Policy Analysis 08-02 A Study on Related Cost and Improving Consumer Use in Mortgage Loans of Bank Cheong, Yoon-Seon 08 02

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1. 조사배경,.,. 2. 주요연구내용 2007 9,782. 5,192 53.1%, 4,590 46.9%.,,,, 5,156 7,852 52.7%, 2,398 9,456 24.4%.

1,916 9,629 19.6%, 319 4,106 3.3%. 2007.1.1~12.31 ( :, %) ( ) 627,658 273,981,921 89,478,924 131,597,978 24,174,690 519,233,513 888,608 241,675,931 102,217,373 107,396,673 7,766,370 459,056,347 1,516,266 515,657,852 191,696,298 238,994,650 31,941,060 978,289,860 ( ) (52.71) (19.60) (24.43) (3.26) (100.00),...

2) ( ). (1981 7.28. 81).. 4. 6 1 2 3 2002.,

,,,. 地方稅法 ( 124 ) 印紙稅法 法務士法 住宅建設促進法 敎育稅法 消費者信用保護法 ( 1, z) 1 2 (A.P.R) 3 4 5 2,000 消費者信用法 ( 4 ) 實質年利率 令 4 實質年利率 貸出業 規制 法律 1,, 2 ( 15 ) 3 ( 18 1 ) 利息制限法 (,, ) (mortgage) (trust deed) (land sale contract) (lien) (Hypothek) (Grundschuld) (Reallst)

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. 132 3. 133. 134. 136 1. ( ) 145 2. ( ) 156 3. ( ) 170 4. ( ) 177 5. ( ) 184 6. ( ) 188 7. 193 8. 201

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< 2 1> 31 < 2 2> 33 < 2 3> 35

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2 39., 1. 2),,,, 0.83%. 1 83. 120%,,., ( 28 ), 2) 4 ( ) 1. 1. 2. 3. 4. 2 1,, 1 365 1.

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2 41 ( )... 2002,,.

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2 43 17. 1).. ( 124 )... 2) 260 2 ( ) 260 3 ( ) 100 20.

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2 45 5). 6). 1981. 7. 28. 81 257,,,..,. I( ), II( 5) 1962. 2. 15, 4294 291. 6) 1981, 1. 27. 79 1978, 79 1979.

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2 49 1990. 6. 22 1990. 7. 21.. 1985. 6. 12. 12, 1991. 10. 1991. 12. 1.., 23.,.. 20.,. 9) 9),,, 1999, 43 45.

50 2) 1986.12.18 10).,,,.. 6 14 ( 18 1 ), 18 60 ( 5 2 ). 3) ). 7 14 10).

2 51. 6.,.,. 11) 7 14 6.,. 12),... 13),. 6 15 7 14. 7 14 6. 11) Schlosser Coester Waltjen Graba, Kommentar zum AGBG. 1977(,, 30.1, 1995, 88 ). 12) Schlosser Coester Waltjen Graba, Kommentar zum AGBG., Vorbem,. zu 9 11 Rdn.1.(,, 88 ). 13),, 88.

52. Ⅰ( ) 3 1, Ⅱ( ) 5 1, Ⅰ( ) 6 1 Ⅱ( ) 7 1 8 2 6. ) 6 1.,. ( 2 ).,. 14) (nicht unerhebliche 14),, 1994,, 183.

2 53 Benachteilung von erheblicherm Gewicht). (Benachteilung von erheblicherem Gewicht)....,,. 15) ),. (Intererrenabwagung). 16),., 15),, 89. 16) S/CW/G. 9 Rdn.41(,, 89 ).

54.. 17).. 18),,... 19) ) ( 6 2 ) (1) 6 2 1 17) 9 2 1. 1 相合 2., (AGB) AGB_Gesatz,, 83. 2, 120. 18),, 90. 19)..,, 91.

2 55.. 20),,,,.. 21).. 22),.. 6 2 1... 20),,, 97.12, 262. 21),, 262. 22) 103, 104,, 6. 6 103 104.,,, 1990, 141 (,, 187 3 ).

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58. 27),.. 28)...,... 29),.,.,. 27). BGH NJW 64,1123 28) BGH NJW 85, 2693 11 12 a 2, 2. 29) Ulmer/Brander/Hensen, AGBG Komm., 9, Rdn.78.

2 59..,,... 30) (Transparenzgebot).. 31).,, 30) :,,, 1990, 141 31) BGH, ZIP 1989, S.154(,, 263 ).

60.,. 32) (2) 6 2 2... 33).,,. 34) 32),,. (,, 263 ). 33),, 188. 34)., (1996.3.),,, 265 22.

2 61 35) 36). (3). 6 2 3. 37). 35),.. 6.,, 207 (,, 188 ). 36),,.,., 189. 37).. U/B./H, AGBG Komm, 9, Rdn. 64.

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2 67..., 1 2..,.,.,,,,...,,.

3 71... ( : (, )) 2003 2004 2005 2006 2007 5,364,213 5,664,081 6,142,235 6,996,802 7,492,860 :,, 2008.,,,,,.. ( ),

72 ( ), ( ).,,,., stock. flow. 2007 1 1 12 31. 2007.,.,..,. 2008 4 1 ( ) ~ 4 30 ( ), 30

3 73 2008 4. < 3 2>. 7 5 6,,,,,, SC,,,,,,,,, :2008 4...

74,. 13 2008 1 (dart.fss.or.kr). 2008 1,,. ( : ) 246,396,624 3,255,065 1,392,466 4,647,531 153,437,568 430,563 153,868,131 122,223,778 2,481,469 2,481,469 82,394,794 82,394,794 196,729,950 5,004,898 5,004,898 110,059,689 110,059,689 58,620,875 671,217 139,810 811,027 20,594,423 142,397 20,736,820 108,547,994 1,526,694 1,724,022 3,250,716 38,300,716 155,156 38,455,872 243,325,306 6,110,317 3,171,186 9,281,503 122,730,566 155,729 122,886,295 62,459,815 2,483,732 153,208 2,636,940 29,271,267 42,980 29,314,247 130,496,178 5,854,235 5,854,235 77,179,647 77,179,647 22,670,893 474,622 405,715 880,337 11,700,053 2,082 11,702,135 16,396,323 757,817 8,098 765,915 8,818,083 440 8,818,523 27,161,740 446,683 10,471 457,154 15,334,617 15,604 15,350,221 28,179,309 1,083,703 33,484 1,117,187 16,284,688 33,532 16,318,220 6,437,535 309,047 8,500 317,547 4,030,414 2,339 4,032,753 3,115,949 117,149 0 117,149 1,943,097 4,141 1,947,238 1,272,762,269 30,576,648 7,046,960 37,623,608 692,079,622 984,963 693,064,585 : (2008. 3),.

3 75 2008 ( ) 1,272 7,622. 1,168 8,005 91.8% 103 9,617 8.2%. 693 645 54.5% 37 6,236 3.0%. 246 3,966 243 3,253, 196 7,299, 130 4,961, 122 2,237, 108 5,479 100 6. 37 6,236 30 5,766 81.3% 7 469 18.7%. 33 9,683 90.3%. 9 2,815 5 8,542, 5 4. 693 645 692 796 99.9%, 9,849 0.1%. 634 8,954 91.6%. 153 8,681 22.2%. 122 8,862 (17.7%), 110 596 (15.9%) 3 55.8%.

76,,. 2006 699 6,802 340 8,166 48.7%, 341 5,365 48.8%. ( : ) 2007 7,492,860 3,820,485 3,474,090 146,725 44,080 7,472 * = + :,, 2008. < 3 5>. 214 9,322 76.8%, 95 2,852 23.2%. 81 6,618 (19.9%) 63 618 (15.4%), 49 2,039 (12.0%), 44 7,301 (10.9), 4

3 77 58.2%. ( :, %) 492,039 12.0 S C 206,684 5.0 447,301 10.9 175,750 4.3 630,618 15.4 110,309 2.7 816,618 19.9 2,879,319 70.2 74,989 1.8 77,369 1.9 30,702 0.7 10,613 0.3 18,861 0.5 57,469 1.4 270,003 6.6 3,149,322 76.8 134,339 3.3 293,972 7.2 876 0.0 459,638 11.2 64,027 1.6 952,852 23.2 4,102,174 100.0 :,, 2008.

78 5, 7, 6 18 13 2007. 2007 1 1 12 31....,....,. 2

3 79. 2, 8, 8, 4. 2 8.. 2,. 13 2007 < 3 6>.. 2007 57 5,175 739,776. 12 6,204 (221,090 ) 21.9%. 9 5,833 (105,012 ) 16.7%, 9 321 (90,229 ) 15.7%. 3 31 2,358 (416,331 ) 54.3%., 2.

80 ( :,, %) 69,415 91,417 120 88,723 26,016 120 SC 35,980 56,355 120 13,169 7,002 120 90,321 90,229 120 69,703 15,568 120 28,058 30,010 120 74,790 34,098 120 95,833 105,012 120 103,571 29,159 120 18,831 22,382 120 126,204 221,090 120 121,058 40,089 120 12,446 18,899 120 21,457 8,601 120 6,424 12,164 120 16,102 4,232 120 140,333 8,694 120 242 4 120 86,524 87,939 120 37,487 16,486 120 5,139 4,279 120 9,870 2,062 120 575,175 739,776 696,505 192,011 :1),,,, 2007. :2),. 69 6,509 192,011. 14 333 (8,694 ) 20.1%. 12 1,058 (40,089 ) 17.4%,

3 81 10 3,571 (29,159 ) 14.9%. 4 2007 36 4,962 (77,942 ) 52.4%..,.,,,.. 2007,. 2008 2007 2007,,, (regression line). BLUE(best linear unbiased estimater), 2007..

82 = α + (β * 2007 ) = α + (β * 2007 ) = α + (β * 2007 ) = α + (β * 2007 ) α, β.. = 6,660.2 + 0.154 * (3.12) (4.03) R 2 = 0.909. α 6,660.2, β 0.154 t 3.12 4.03 0.01. 0.909. = 1813.3 + 0.233 * (2.91) (9.58) R 2 = 0.958.

3 83 α 1,813.3, β 0.233 t 2.91 9.85 0.01. 0.958., α 1,813.3. (bias)..,.. outlier. = 3,719 + 0.1894 * (2.08) (3.26) R 2 = 0.729. α 3,719, β 0.1894 t 2.08 3.26 0.05 0.01.

84 0.729. = 2717.9 + 0.0564 * (0.103) (2.86) R 2 = 0.611. α 0.103, β 0.0564 t 0.103 2.86 0.25 0.01. 0.611. 4,,,,. ( :,, %) 18,756 7,196 12,397 17,219 23,524 8,616 7,434 11,289 13,280 5,565 1,585 2,407 6,167 3,447 3,641 5,528 7,706 3,905 27,426 29,604 122,670 38,139

3 85,,,,, 62 7,658, 88 8,608 ~.. < 3 8>. ( :,, %) 69,415 91,417 120 88,723 26,016 120 S C 35,980 56,355 120 13,169 7,002 120 90,321 90,229 120 69,703 15,568 120 28,058 30,010 120 74,790 34,098 120 95,833 105,012 120 103,571 29,159 120 18,831 22,382 120 18,756 7,196 120 126,204 221,090 120 121,058 40,089 120 12,446 18,899 120 21,457 8,601 120 12,397 17,219 120 23,524 8,616 120 7,434 11,289 120 13,280 5,565 120 1,585 2,407 120 6,167 3,447 120 3,641 5,528 120 7,706 3,905 120 6,424 12,164 120 16,102 4,232 120 27,426 29,604 120 122,670 38,139 140,333 8,694 120 242 4 120 86,524 87,939 120 37,487 16,486 120 5,139 4,279 120 9,870 2,062 120 627,658 805,823 888,608 258,879 :,,,,.

86..,,,,,,,,,,,,,,,,.,,.,,,.,,. 2007.,,,,.

3 87.,,,,. 1) 131 1 6 2.,, (. ).. 131 1 6.(2) 2/1,000.. 2) 260 3. ( 196 2 ),,

88,, ( ) <, ( ) >. 260 3 ( ) l 1. 100 20.. 3) 5 2 ( ) 9,000.. 4) 1 ( ). 1. 2 2. 3 1 < 3 9>.

3 89 1 3 2 3 5 4 5 1 7 1 10 15 10 35,,,,. ( : ) 16,659,600 3,331,920 822,753 6,399,190 27,213,463 S C 8,635,200 1,727,040 507,195 3,944,850 14,814,285 21,677,040 4,335,408 812,061 13,534,350 40,358,859 6,733,920 1,346,784 270,090 4,501,500 12,852,294 22,999,920 4,599,984 945,108 15,751,800 44,296,812 4,519,440 903,888 201,438 3,357,300 8,982,066 30,288,960 6,057,792 1,989,810 15,476,300 53,812,862 2,987,040 597,408 170,091 1,322,930 5,077,469 2,975,280 595,056 154,971 1,205,330 4,930,637 1,784,160 356,832 101,601 790,230 3,032,823 380,400 76,080 21,663 168,490 646,633 873,840 174,768 49,752 386,960 1,485,320 1,541,760 308,352 109,476 851,480 2,811,068 6,582,240 1,316,448 266,436 4,440,600 12,605,724 NA NA NA NA NA NA NA NA NA NA 20,765,760 4,153,152 791,451 13,190,850 38,901,213 1,233,360 246,672 38,511 641,850 2,160,393 150,637,920 30,127,584 7,252,407 85,964,010 273,981,921

90,.. 2007 150,637,920, 30,127,584, 7,252,407, 85,964,010. 273,981,921. ( : ) 21,293,520 4,258,704 234,144 3,902,400 29,688,768 S C 3,160,560 632,112 63,018 1,050,300 4,905,990 16,728,720 3,345,744 140,112 2,335,200 22,549,776 17,949,600 3,589,920 306,882 5,114,700 26,961,102 24,857,040 4,971,408 262,431 4,373,850 34,464,729 4,501,440 900,288 64,764 1,079,400 6,545,892 29,053,920 5,810,784 360,801 6,013,350 41,238,855 5,149,680 1,029,936 77,409 1,290,150 7,547,175 5,645,760 1,129,152 77,544 1,292,400 8,144,856 3,187,200 637,440 50,085 834,750 4,709,475 1,480,080 296,016 31,023 517,050 2,324,169 1,849,440 369,888 35,145 585,750 2,840,223 3,864,480 772,896 38,088 634,800 5,310,264 29,440,800 5,888,160 343,251 5,720,850 41,393,061 33,679,920 6,735,984 78,246 3,042,900 43,537,050 58,080 11,616 36 1,400 71,132 8,996,880 1,799,376 148,374 2,472,900 13,417,530 2,368,800 473,760 18,558 309,300 3,170,418 213,265,920 42,653,184 2,329,911 40,571,450 298,820,465 2007 213,265,920, 42,653,184, 2,329,911, 40,571,450.

3 91 298,820,465., ( 60 1, 62 1 )., 95. 68 1 12. 12 2 10/1,000., 10 10. 92. 1 1. 2 1 5. 5. 11.55%, 2007

92 (11.88%). 41) ( : ) 9,895,802 12,648,351 S C 5,129,309 1,877,373 12,876,162 9,936,860 3,999,948 10,662,062 13,661,952 14,765,082 2,684,547 2,673,855 17,991,642 17,258,028 1,774,302 3,058,910 1,767,316 3,353,581 1,059,791 1,893,197 225,958 879,168 519,061 1,098,567 915,805 2,295,501 3,909,851 17,487,835 20,005,872 34,500 12,334,861 5,344,147 732,616 1,407,067 89,478,924 126,679,956 : 2007 11.88% 41) 2007 ( 1, :, %) 1 10.56 7 12.33 2 10.30 8 11.93 3 9.87 9 12.43 4 10.40 10 12.71 5 11.00 11 13.63 6 11.85 12 15.61 2007 11.88

3 93 2007 89,478,924, 126,679,956.. 19 1, 3. 76 77. 7.. 1 5 1 10/10,000 5 1 40,000 5 9/10,000 1 3 85,000 1 8/10,000 3 5 245,000 3 7/10,000 5 10 285,000 5 6/10,000 10 20 685,000 10 5/10,000 20 200 1,185,000 20 4/10,000 200 8,385,000 200 1/10,000

94. ( : ) 6,399,190 7,039,735 13,438,925 1,343,893 S C 3,944,850 3,604,065 7,548,915 754,892 6,316,030 9,121,961 15,437,991 1,543,799 2,100,700 2,843,618 4,944,318 494,432 7,350,840 9,725,028 17,075,868 1,707,587 1,566,740 1,919,686 3,486,426 348,643 15,476,300 12,524,582 28,000,882 2,800,088 1,322,930 1,249,673 2,572,603 257,260 1,205,330 1,252,781 2,458,111 245,811 790,230 746,427 1,536,657 153,666 168,490 159,145 327,635 32,764 386,960 365,588 752,548 75,255 851,480 632,972 1,484,452 148,445 2,072,280 2,780,916 4,853,196 485,320 NA NA NA NA NA NA NA NA 6,155,730 8,745,999 14,901,729 1,490,173 299,530 514,739 814,269 81,427 56,407,610 63,226,915 119,634,525 11,963,453

3 95 ( : ) 1,821,120 8,363,292 10,184,412 1018441 S C 490,140 1,299,234 1,789,374 178937.4 1,089,760 4,785,096 5,874,856 587485.6 2,386,860 7,350,330 9,737,190 973719 2,041,130 9,720,529 11,761,659 1176166 503,720 1,827,364 2,331,084 233108.4 2,806,230 11,571,987 14,378,217 1437822 602,070 2,102,877 2,704,947 270494.7 603,120 2,277,576 2,880,696 288069.6 389,550 1,302,705 1,692,255 169225.5 241,290 609,267 850,557 85055.7 273,350 759,301 1,032,651 103265.1 296,240 1,500,688 1,796,928 179692.8 2,669,730 11,639,145 14,308,875 1430888 608,580 10,028,370 10,636,950 1063695 280 13,156 13,436 1343.6 1,154,020 3,681,182 4,835,202 483520.2 144,340 679,710 824,050 82405 18,121,530 79,511,809 97,633,339 9763334

96,,,,..,. ( 30,000 ). ( : ) 2,742,510 780,480 S C 1,690,650 210,060 2,706,870 467,040 900,300 1,022,940 3,150,360 874,770 671,460 215,880 6,632,700 1,202,670 566,970 258,030 516,570 258,480

3 97 72,210 103,410 165,840 117,150 364,920 126,960 888,120 1,144,170 NA 260,820 NA 120 2,638,170 494,580 128,370 61,860 24,174,690 7,766,370.,,,.. 62 7,658 5,192. 2,739 52.8%, 1,316 25.3%.

98 895, 17.2%, 241, 4.7%. 0.83% 1 83. 88 8,608 4,590. 2,416 52.6%, 1,073 23.4%. 1,022, 22.3%, 77, 1.7%. 0.52% 1 52. 2007 9,782 8,986. 5,156 7,852 52.7%. 1,916 9,629 19.6%, 2,398 9,456 24.4%, 319 4,106 3.3%.

3 99 ( : ) 69,415 27,213,463 9,895,802 14,782,818 2,742,510 54,634,593 S C 35,980 14,814,285 5,129,309 8,303,807 1,690,650 29,938,050 90,321 40,358,859 12,876,162 16,981,790 2,706,870 72,923,681 28,058 12,852,294 3,999,948 5,438,750 900,300 23,191,292 95,833 44,296,812 13,661,952 18,783,455 3,150,360 79,892,579 18,831 8,982,066 2,684,547 3,835,069 671,460 16,173,142 126,204 53,812,862 17,991,642 30,800,970 6,632,700 109,238,174 12,446 5,077,469 1,774,302 2,829,863 566,970 10,248,604 12,397 4,930,637 1,767,316 2,703,922 516,570 9,918,445 7,434 3,032,823 1,059,791 1,690,323 338,670 6,121,607 1,585 646,633 225,958 360,399 72,210 1,305,199 3,641 1,485,320 519,061 827,803 165,840 2,998,024 6,424 2,811,068 915,805 1,632,897 364,920 5,724,691 27,426 12,605,724 3,909,851 5,338,516 888,120 22,742,210 86,524 38,901,213 12,334,861 16,391,902 2,638,170 70,266,146 5,139 2,160,393 732,616 895,696 128,370 3,917,075 627,658 273,981,921 89,478,924 131,597,978 24,174,690 519,233,513 ( 1 ) 52.8 17.2 25.3 4.7 100.0 ( 2 ) 0.44 0.14 0.21 0.04 0.83

100 ( : ) 88,723 29,688,768 12,648,351 11,202,853 780,480 54,320,452 S C 13,169 4,905,990 1,877,373 1,968,311 210,060 8,961,734 69,703 22,549,776 9,936,860 6,462,342 467,040 39,416,017 74,790 26,961,102 10,662,062 10,710,909 1,022,940 49,357,013 103,571 34,464,729 14,765,082 12,937,825 874,770 63,042,406 18,756 6,545,892 2,673,855 2,564,192 215,880 11,999,820 121,058 41,238,855 17,258,028 15,816,039 1,202,670 75,515,592 21,457 7,547,175 3,058,910 2,975,442 258,030 13,839,557 23,524 8,144,856 3,353,581 3,168,766 258,480 14,925,683 13,280 4,709,475 1,893,197 1,861,481 166,950 8,631,102 6,167 2,324,169 879,168 935,613 103,410 4,242,359 7,706 2,840,223 1,098,567 1,135,916 117,150 5,191,856 16,102 5,310,264 2,295,501 1,976,621 126,960 9,709,346 122,670 41,393,061 17,487,835 15,739,763 1,144,170 75,764,829 140,333 43,537,050 20,005,872 11,700,645 260,820 75,504,387 242 71,132 34,500 14,780 120 120,531 37,487 13,417,530 5,344,147 5,318,722 494,580 24,574,979 9,870 3,170,418 1,407,067 906,455 61,860 5,545,800 888,608 241,675,931 102,217,373 107,396,673 7,766,370 459,056,347 (1) 52.6 22.3 23.4 1.7 100.0 (2) 0.27 0.12 0.12 0.01 0.52

3 101 ( : ) ( ) (A) (B) (C=B/C*100) 627,658 273,981,921 89,478,924 131,597,978 24,174,690 519,233,513 0.83 888,608 241,675,931 102,217,373 107,396,673 7,766,370 459,056,347 0.52 1,516,266 515,657,852 191,696,298 238,994,650 31,941,060 978,289,860 0.65 ( ) (52.71) (19.60) (24.43) (3.26) (100.00)

4 105 42) (fee). (loan),,. (stamp fees), (registration fees), GST(Goods and Service Taxes), (levies) (legal fee) ( ).,,.,, 42) Standard Trems and Conditions Relating to Personal Loans granted by ABN AMRO Bank N.V.

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4 107 (Consumer Credit Protection Act: CCPA). CCPA 1968. 1 (Truth in Lending).. 1980 (Truth in Lending Simplication and Reform Act). 43) (Federal Trade Commision Act), (National Bank Act) (Depository Institutions Dregulation and Controle Act).., 43),, 29, 1988, 156.

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139 16. (1991),, 85 86,. 17. (2006), :,,. 18. (1994),, 19. (1994),,,, 94. 16. 20. (1995),, 30.1. 21. (2003),,. 22. ABN AMRO Bank N.V(2008), Standard Trems and Conditions Relating to Personal Loans. 23. Schlosser Coester Waltjen Graba(1977), Kommentar zum AGBG. 24. 大森泰人 (2008), 金融システムを考える : ひとつの行政現場から.

140 Executive Summary A Study on Related Cost and Improving Consumer Use in Mortgage Loans of Bank Yoon-Seon Cheong This study is aimed to analyze the related cost in mortgage loan in the bank. There are several cost for example tax, registration fee, appraisal cost, discount fee of national bond and so on, when consumer lends mortgage loan from bank. Standard Trems and Conditions Relating to mortgage loans of bank says consumer can select yes or no that charge related cost in mortgage loans. In fact, consumer charged above cost in spite of standard trems and conditions relating to mortgage loans. New mortgage loan in 2007 is 1,516,266 hundred million won. The household loan is 627,658 hundred million won and enterprise loan is 888,608 hundred million won. 2007.1.1~2007.12.31 (unit:a thousand won, %) New mortgage loan (hundred million won) Tax Discount fee of national bond registration fee appraisal cost Total cost household loan 627,658 273,981,921 89,478,924 131,597,978 24,174,690 519,233,513 enterprise loan 888,608 241,675,931 102,217,373 107,396,673 7,766,370 459,056,347 Sum 1,516,266 515,657,852 191,696,298 238,994,650 31,941,060 978,289,860 Ratio 52.71 19.60 24.43 3.26 100.00

Executive Summary 141 For last year 2007, It was investigated the related cost in mortgage loan attain 978,289,860 thousand won. According to this study, tax is 515,657,852 thousand won(52.71%), discount fee of national bond is 191,696,298 thousand won(19.60%), registration fee is 238,994,650 thousand won(24.43%), and appraisal cost is 31,941,060 thousand won(3.26%). Korea Fair Trade Commission judged Standard Trems and Conditions Relating to mortgage loans of bank is not fair, because the bank levied the related cost in mortgage loan to consumer. So, Korea Fair Trade Commission amended Standard Trems and Conditions Relating to mortgage loans of bank. Bank brings an administrative action to Fair Trade Commission on amending standard trems and conditions relating to mortgage loans of bank. This study is suggesting two methods to improve the related cost in mortgage loan in the bank. Lastly, as the related cost in mortgage loan system improve by base on this study, I wish bank and consumer's profit and welfare will increase.

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200 담보제공자 ( 저당권설정자 ) 가꼭알아두어야할사항 저당권이란,.. 담보종류에따른책임범위,.,. ( : ),.. ( : ),.. ( ). 담보제공자가연대보증까지서는경우,.

201 근담보 근저당권설정계약서,., ( ). ( ) ( ) ( ).

202 제1조근저당권의설정 ( ), ( ). 1., (, ). 특정근담보 채무자가채권자 ( 본 지점 ) 에대하여다음약정서에의한거래로말미암아현재 및장래에부담하는모든채무 년 월 일자 약정서 년 월 일자 약정서 한정근담보 채무자가채권자 ( 본 지점 ) 에대하여다음종류의거래로말미암아현재및장래에부담하는모든채무거래, 거래 포괄근담보 채무자가채권자 ( 본 지점 ) 에대하여현재및장래에부담하는다음채무가. 어음대출, 증서대출, 당좌대출, 어음할인, 지급보증, 매출채권거래, 상호부금거래, 사채인수, 외국환거래기타여신거래로말미암은모든채무나. 신용카드거래로말미암은채무 ( 채무자이외의제3자가담보를제공한경우제외 ) 다. 채권자와제3자와의위 가 의거래에대한보증채무라. 채권자가제3자와의위 가 의거래로말미암아취득한어음또는수표상의채무

203 2.. 금원.. 3.,. 지정형 년월일 자동확정형 정하지아니합니다. 이경우계약일부터 3년이경과하면설정자는서면통지에의하여근저당권결산기를지정할수있기로하되, 그결산기는통지도달일부터 14일이후가되어야하며, 이에미달하는때에는통지도달일부터 14일이되는날을결산기로합니다. 다만, 5년이경과할때까지설정자의별도의사표시가없는경우에는계약일부터 5년이되는날을결산기로합니다. 장래지정형 정하지아니합니다. 이경우계약일부터 3년이경과하면설정자는서면통지에의하여근저당권결산기를지정할수있기로하되, 그결산기는통지도달일부터 14일이후가되어야이며, 이에미달하는때에는통지도달일부터 14일이되는날을결산기로합니다.

204 제2조공부와실제의불일치등 1,. 2, 1. 제3조담보가치의유지등 1. 2. 3 2 3,, 13. 제4조보험계약 1,,.

205 2,. 3 1, 2, 4. 4 1 3,,, 13. 제5조지상권 전세권 임차권 1,,,. 2 1,,. 3 1 2. 4

206, 3 3. 제6조근저당물건의처분 관리등 1, 13. 2 1 1. 3. 4 1 3. 제 7 조회보와조사. 제8조제절차이행과비용부담 1. 2 1, V".

207 구 분 부담주체채무자설정자채권자 등록세 교육세 국민주택채권매입 법무사수수료 말소 ( 저당권해지 ) 감정평가수수료 3 2,. 4 2 4. 제9조다른담보 보증약정과의관계 1. 2,. 제 10 조담보등의변경 해지 해제,,

208,,. 제 11 조특약사항 : ( ) :

209. ( : 1.. 2. ) 1.? 2.? 3.,.. ( :.,. )? (..)? (.) : : ( ),.

210 담보제공자 ( 저당권설정자 ) 가꼭알아두어야할사항 저당권이란,.. 담보종류에따른책임범위,.,. ( : ),.. ( : ),.. ( ). 담보제공자가연대보증까지서는경우,.

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