집 구하기
한국 생활

외국인의 한국 집 구하기

주거는 가장 크고 — 가장 위험한 — 정착의 벽이에요. 보증금은 ₩300만부터 ₩5억 이상까지 다양하고, 전세사기로 외국인들이 평생 모은 돈을 잃기도 했습니다. 6가지 임대 유형을 비교하고(4개 외국인 친화적, 3개 저위험), 내 돈을 지켜주는 안전한 계약 흐름(등기부등본 → 계약 → 전입신고 + 확정일자), 그리고 8가지 팁을 안내합니다.

2026년 7월 기준 정리. 법률 자문이 아닙니다 — 큰 보증금은 법무사/변호사와 상담하고 전세보증보험에 가입하세요. 사기 유형은 /scams에서 확인하고, 먼저 은행 계좌(/banking-arc)와 외국인등록증이 필요합니다.

✨ 프리미엄 · 여기서만
Jeonse / Deposit Fraud — Survival Playbook

Avoid losing your ₩100M+ deposit. The exact checks landlords hope you skip.

As of 2026-06-10 · 🔄 Monthly · ⭐ 4.9 (312 명)

6가지 임대 유형 — 보증금 + 위험도로 필터링

6 개

Goshiwon (tiny private room)

고시원 · goshiwon
🟢 외국인 친화적
보증금
₩0–₩0
월세
₩30만–₩60만
보증금 위험도: 낮음monthly, no contract
추천 대상
Cheapest stopgap — students, brand-new arrivals
특징:
  • • Usually NO deposit
  • • Tiny private room, shared kitchen/bath
  • • Month-to-month, walk-in
  • • Cheapest roof in the city

A 2–6 ㎡ room — small but deposit-free + no contract. Great as a first landing pad while you sort your ARC + bank + a real lease. Rice + kimchi often free.

Short-term / furnished rental

단기임대 · dangi-imdae
🟢 외국인 친화적
보증금
₩50만–₩500만
월세
₩70만–₩200만
보증금 위험도: 낮음1–6 months
추천 대상
New arrivals + those without an ARC yet
특징:
  • • Furnished, flexible 1–6 month terms
  • • Small deposit
  • • Often no ARC needed
  • • Bills sometimes included

Best for your first months before the ARC arrives (long leases need an ARC). Pricier per month but low-risk + low-commitment. Find on Airbnb-style or foreigner housing sites.

Share house

셰어하우스 · share house
🟢 외국인 친화적
보증금
₩50만–₩300만
월세
₩40만–₩90만
보증금 위험도: 낮음1–12 months flexible
추천 대상
Social newcomers wanting English-friendly, low-commitment living
특징:
  • • Private room + shared common areas
  • • Small deposit, flexible terms
  • • Often foreigner-heavy + English-run
  • • Furnished + bills bundled

The easiest soft landing socially — many are run by foreigner-friendly operators in English. Verify what the (small) deposit covers + the move-out cleaning terms.

Wolse (monthly rent + deposit)

월세 · wolse
🟢 외국인 친화적
보증금
₩300만–₩2,000만
월세
₩40만–₩150만
보증금 위험도: 보통1–2 years
추천 대상
Most foreigners — manageable deposit + monthly rent
특징:
  • • Deposit ₩3–20M + monthly rent
  • • The default foreigner choice
  • • Lower capital needed than jeonse
  • • Flexible, widely available

The standard foreigner lease. Monthly rent is roughly 1/20–1/10 of the deposit. Still do 전입신고 + 확정일자 to protect the deposit.

Ban-jeonse (semi-jeonse hybrid)

반전세 · ban-jeonse
🟡 가능한 편
보증금
₩3,000만–₩1억
월세
₩30만–₩80만
보증금 위험도: 높음1–2 years
추천 대상
Middle ground — bigger deposit, lower monthly
특징:
  • • Mid-size deposit + reduced monthly rent
  • • Between wolse and jeonse
  • • Lowers monthly cash outflow
  • • Common as jeonse converts

A higher deposit buys a lower monthly rent. Same deposit-protection rules + 등기부등본 check as jeonse apply because the deposit is substantial.

Jeonse (key money, no monthly rent)

전세 · jeonse
🔴 외국인에게 어려움
보증금
₩1억–₩5억
월세
없음 (전세 방식)
보증금 위험도: 높음2 years
추천 대상
Long-stay residents with large capital who understand the risk
특징:
  • • Huge deposit (50–70% of home value), NO monthly rent
  • • Full deposit returned at lease end
  • • Landlord invests your deposit instead of rent
  • • 2-year standard

Uniquely Korean + uniquely risky for foreigners. 전세사기 (deposit fraud) is real — ALWAYS check the 등기부등본 for liens + buy 전세보증보험 (HUG/SGI deposit insurance). Not for short stays.

안전하게 계약하는 법 — 6단계

내 보증금을 지켜주는 단계들이에요. 3번과 5번은 절대 건너뛰지 마세요.

  1. 1

    Search listings · 집 찾기

    Browse 직방 (Zigbang) / 다방 (Dabang) apps or walk into a neighborhood 부동산 (agent). Apps are Korean-only — use a translation overlay, or use foreigner housing sites/agents for English. Decide wolse vs short-term by whether you have an ARC yet.

  2. 2

    View in person · 집 보기

    Always view before paying anything. Check water pressure, mold, heating (난방), 관리비 (monthly maintenance fee — ask the exact amount), sunlight, and noise. Photograph existing damage.

  3. 3

    Check the 등기부등본 (property register) · 등기부등본 확인

    BEFORE signing, get the 등기부등본 (₩700 online at iros.go.kr) to confirm the landlord owns it + check for mortgages/liens (근저당). Heavy liens = high 전세사기 risk — walk away. The agent can pull it; verify independently for big deposits.

  4. 4

    Sign the contract + pay deposit · 계약 + 보증금

    Sign the 임대차계약서 with the agent. Pay a deposit (계약금, ~10%) to hold it, the balance on move-in. Pay the 중개수수료 (agent commission: ~one month rent for wolse, 0.2–0.5% of deposit for jeonse). Confirm the receiver matches the registered owner.

  5. 5

    Move-in report + fixed date · 전입신고 + 확정일자

    Within 14 days of moving in, do 전입신고 (move-in report) + get 확정일자 (fixed date) at the 주민센터 (or online via Government24). Together they give your deposit a PRIORITY legal claim if the landlord goes bankrupt. This step is non-negotiable.

  6. 6

    For big deposits: buy insurance · 전세보증보험

    For jeonse / ban-jeonse, buy 전세보증보험 (deposit-return insurance via HUG or SGI) so you're repaid even if the landlord defaults. Worth the premium on any large deposit.

팁 — 보증금 보호 + 사기 예방

  • 전입신고 + 확정일자 = deposit protectionThe single most important step: report your move-in (전입신고) and get a 확정일자 at the 주민센터 within 14 days. Together they give your deposit priority over later creditors. Skipping this is how foreigners lose deposits.
  • Always check the 등기부등본Pull the property register (등기부등본, ₩700 at iros.go.kr) before paying anything. If there's a big mortgage (근저당) ahead of your deposit, your money is at risk in a default — especially for jeonse. Walk away from over-leveraged units.
  • 전세사기 is real — cross-check /scamsJeonse fraud (전세사기) has wiped out foreigners' savings: fake landlords, over-mortgaged "villas", duplicate contracts. Verify the owner on the 등기부등본 matches who you pay, and see /scams for the patterns.
  • Agent commission (중개수수료)The 부동산 agent's fee is legally capped (≈ one month rent for wolse; 0.2–0.5% of the deposit for jeonse) and paid at signing. Ask for the exact amount upfront — it's negotiable within the cap.
  • Don't forget 관리비On top of rent, most buildings charge 관리비 (monthly maintenance: cleaning, security, sometimes heating/water) — ₩50k–200k+. Always ask what it is and what it includes before signing.
  • No ARC yet? Go short-termLong leases (wolse/jeonse) almost always need an ARC. Before yours arrives, use a goshiwon, share house, or furnished short-term rental — small deposit, no ARC, no lock-in.
  • 직방 / 다방 + foreigner agentsListings live on 직방 (Zigbang) + 다방 (Dabang) apps (Korean-only) and at neighborhood 부동산. For English service, use foreigner-focused agencies/share-house operators — worth a small premium for your first lease.
  • Get everything in the written contractVerbal promises (repairs, who pays what) mean nothing — get them written into the 계약서. Confirm the move-out date, deposit-return timing, and any cleaning/penalty terms in writing.

부동산에서 쓰는 표현집

I'm looking for a wolse (monthly) place.
월세 방 찾고 있어요.
Wolse bang chatgo isseoyo.
How much is the deposit and the rent?
보증금이랑 월세 얼마예요?
Bojeunggeum-irang wolse eolmayeyo?
How much is the maintenance fee?
관리비 얼마예요?
Gwallibi eolmayeyo?
Can I see the property register?
등기부등본 볼 수 있어요?
Deunggibu-deungbon bol su isseoyo?
What is the agent commission?
중개수수료 얼마예요?
Junggae-susuryo eolmayeyo?
When do I get my deposit back?
보증금 언제 돌려받아요?
Bojeunggeum eonje dollyeo-badayo?

함께 보면 좋은 페이지

보증금 사기 유형: /scams. 보증금 송금용 은행 계좌: /banking-arc. 매물 앱 가입용 전화번호: /mobile-carrier.