생애 처음 만나는 부동산 교과서

프롤로그································································································ 4

제1장 난생처음, 내 집 찾기
1. 내 집 찾는 첫걸음············································································ 14
2. 매매가 좋을까? 전세가 좋을까? 월세로 살아볼까?···································· 19
3. 집은 언제 사야 좋을까?····································································· 24
4. 계약 전 확인사항············································································· 27
5. 이사와 입주 생활············································································· 30
| 에스크로 제도 |················································································ 33

제2장 부동산 등기의 이해
1. 부동산 공적장부·············································································· 36
2. 부동산 등기의 이해·········································································· 46
3. 부동산 등기의 해석·········································································· 49
4. 거래 시 주의해야 할 등기사항····························································· 55
| 건폐율과 용적률 |·············································································· 66

제3장 계약서 작성과 특약
1. 계약서 작성 전 확인사항···································································· 68
2. 거래계약서 일반약정의 의미······························································· 70
3. 계약서 특약···················································································· 75
4. 매수인에게 유리한 특약····································································· 77
5. 임차인에게 유리한 특약····································································· 79
| 강행규정 |······················································································· 81

제4장 부동산 거래 관련 법
1. 계약의 일반···················································································· 84
2. 부동산 계약의 종류·········································································· 86
3. 계약의 효력요건·············································································· 88
4. 계약의 무효 사유············································································· 89
5. 계약의 취소···················································································· 91
6. 계약의 해제···················································································· 93
7. 계약금과 중도금은 얼마가 적당한가?···················································· 97
| 사적자치의 원칙 |·············································································· 99

제5장 주택임대차보호법
1. 주택임대차법의 성격과 적용······························································102
2. 대항력과 우선변제권·······································································105
3. 임대차 기간···················································································111
4. 차임증감청구권과 월차임 전환률························································115
5. 보증금의 반환················································································117
6. 주택임대차 관련 잦은 문의사항··························································119
| 계약의 갱신과 재계약의 차이 |·····························································121

제6장 상가건물임대차보호법
1. 상가임대차법의 목적과 적용 범위························································124
2. 대항력과 우선변제권·······································································126
3. 계약 갱신 요구권과 차임증감청구························································129
4. 권리금·························································································132
5. 차임 연체와 계약 해지······································································138
6. 투자 시 확인해야 할 상가임대차법·······················································142
| 과밀억제권역 |················································································144
| 준대규모 점포의 권리금 회수 기회 보호 |················································145

제7장 부동산 경매
1. 부동산 경매란?··············································································148
2. 부동산 경매 진행 절차······································································152
3. 말소기준등기·················································································154
4. 경매 시 주의사항············································································157
5. 초보 투자자를 위한 부동산 경매·························································162
| 무료로 경매 정보를 볼 수 있는 사이트 |·················································164

제8장 임대주택의 모든 것
1. 공공임대주택 제도··········································································168
2. 주택임대사업자··············································································171
3. 임대주택과 보증금 반환보증······························································182
4. 주택임대차계약 신고제·····································································186
| 부동산 정책이란 무엇인가? |·······························································189

제9장 주택청약
1. 주택청약 제도의 이해·······································································192
2. 청약통장 상품················································································193
3. 청약 신청 및 당첨자 선정··································································195
4. 부동산 투자의 시작, 아파트 청약························································200
| 청년주택드림 청약통장 |····································································205

제10장 부동산 투자
1. 부동산 투자의 의의·········································································208
2. 부동산 투자와 투기·········································································210
3. 부동산 시장의 참여자·······································································212
4. 부동산 투자 결정 시 고려해야 할 사항··················································214
5. 부동산 종류별 투자 특징···································································218
6. 투자 유형별 특징과 장단점································································232
| 임대 수익률과 레버리지 |···································································252

제11장 부동산 소비자 금융
1. 기본 용어의 이해············································································256
2. 투기과열지구와 조정대상지역····························································259
3. 대표적인 정책자금 대출····································································264
4. 대출 관련 검토사항········································································268
| 부동산의 특성 |···············································································271

제12장 부동산과 세금
1. 세금의 분류···················································································274
2. 취득세·························································································275
3. 재산세와 종합부동산세·····································································278
4. 양도소득세····················································································281
| 공정시장가액비율 |···········································································286

제13장 알아두면 쓸모 있는 부동산 상식
1. 공인중개사 제도·············································································290
2. 동네 부동산 활용············································································297
3. 업무보증(공제증서 등)의 의미·······························································300
4. 알아두면 쓸모 있는 부동산 상식·························································303
| 상권 |····························································································306

처음 집을 사려는 경우라면 ‘회복기 초입’이 가장 이상적이다. 가격이 막 반등하려는 시점, 즉 정부 규제가 완화되거나 금리 인하 기조가 나타나는 때를 포착하는 것이 좋다. 다만, 이러한 사이클은 그 시점을 판단할 때, 정해진 법칙대로 정대칭의 그래프로 나타나지 않는 경우가 대부분이다. 따라서, 지나고 나면 언제가 무슨 시기인지 판단해볼 수 있지만, 현재가 어느 사이클에 해당하는지 판단이 모호하다. 이때는 가격보다 거래량을 중심으로 살펴볼 필요가 있다.

마음에 드는 집을 정해 계약을 진행하려고 할 때, 가장 먼저 준비하고 확인해야 할 사항이 무엇일까? 대부분의 사람들에게 이런 질문을 던지면 돌아오는 대답은 ‘계약금을 준비해야 한다’이다. 몇 번의 부동산 거래계약 경험이 있는 사람들은 ‘이체 한도를 확인한다’라고 하기도 한다.
물론 계약금과 이체 한도의 확인도 중요하지만, 그보다 사전에 확인해야 할 사항이 있다. 먼저 공적 장부를 통해 해당 부동산에 대한 정확한 확인이 필요하다.

부동산 경매는 채무자 (돈을 빌린 사람 등)가 채권 (빌린 돈)을 상환하지 못할 때 부동산을 팔아 빚을 갚게 하는 제도다. 이때, 여러 사람에게 경쟁을 붙여 판매하는 금액이 높아지면 돈을 빌린 사람은 비싼 가격으로 팔게 되어 상환할 수 있는 금액이 많아져 좋고, 돈을 받는 사람도 빌려준 돈을 최대한 받을 수 있어 좋다. 또한, 부동산을 판매하는 과정 자체가 돈을 빌려준 사람이 아닌 법원을 통해 진행되기 때문에 공정하게 판매된다는 장점도 있다.