반전세 권하는 집주인‥돈없는 세입자들 눈물의 월세계약
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작성자 짱알이 작성일13-10-04 17:06 조회21,997회 댓글113건관련링크
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서울 송파구 잠실동에서 20평대 아파트에 전세로 살던 송경영(31)씨는 최근 전세 만기가 되자 집주인과 반전세(보증부 월세) 계약을 다시 맺었다. 집주인이 전세 보증금을 주변 시세만큼 올려주지 못하면 집을 빼던지, 반전세 계약을 맺던지 둘 중 하나를 선택하라고 했기 때문이다. 송씨가 살고 있는 아파트 전셋값은 2년 전보다 5000만원 가까이 오른 3억2000만원 수준. 당장 5000만원을 구하는 게 불가능했던 송씨는 울며 겨자먹기로 집주인의 요구를 받아들일 수밖에 없었던 것이다. 송씨는 2년간 모은 2000만원을 집주인에게 주고 나머지 3000만원에 대해서는 매달 20만원씩 월세를 내기로 했다. 송씨는 “사실 소득은 뻔한데 전셋값 상승이 너무 가파르다 보니 전세에 계속 눌러 앉아있는 것 자체도 너무 힘들다”며 “앞으로 소형아파트는 반전세 형태가 대세로 자리잡을 것 같다”고 말했다.
◇월세 전성시대 ‘성큼’
바야흐로 월세시대다. 전세의 종말에 대해서는 전문가들마다 의견을 달리 하지만 앞으로 임대차시장에서 전세의 월세 전환이 더 빠르게 진행될 것이라는 점에 대해서는 대체로 의견이 일치한다. 정확한 시기를 예측하는 게 어려울 뿐이지 월세시대는 더 이상 거스를 수 없는 현실이라는 것이다.
최근 들어선 이 속도 역시 점차 빨라지는 추세다. 국토교통부에 따르면 지난 8월 아파트 월세 거래 비중은 33.8%(전세 66.2%)로 나타나 정부가 관련 통계를 집계하기 시작한 2011년 이후 월간 기준으로 최고치를 기록했다. 아파트 월세 거래 비중은 2011년 25.4%에서 지난해 25.7%로 증가한 뒤 올해 1~8월은 평균 30.8%로 크게 뛰었다. 임대차시장만 놓고 보면 2010년 기준 월세가 차지하는 비율은 49.7%로 전체의 절반 가량이다. 지난 1995년에는 이 비율이 34.4%에 불과했는데 최근 들어 급증한 것이다.
◇세입자는 괴롭다
세입자 입장에서는 곧 다가올 월세시대가 달갑지 않다. 무엇보다 다달이 내는 월세 부담이 만만치 않아서다. 현재 서울시의 전·월세 전환율은 6.3% 수준. 시중은행 전세자금 대출금리(연 4% 초반)보다 2%포인트 가량 높다. 가령 1억원을 대출받아 전셋집에 들어가면 이 세입자는 월 33만원의 대출이자만 부담하면 된다. 그러나 월세로 전환하면 매달 50만원을 집세로 내야 한다.
경기개발연구원 봉인식 연구위원이 최근 발표한 ‘존폐기로의 전세제도’ 보고서에 따르면 월세가구는 전세가구보다 1.6~4배 더 많은 임대료를 부담하고 있다. 특히 전세는 처음에 목돈이 들어가지만 강제로 저축하는 효과를 기대할 수 있는 반면 월세는 이런 효과를 기대하기 어렵다. 오히려 매달 임대료를 내다 보니 가처분소득이 줄어 미래를 대비하기가 전세 세입자보다 훨씬 더 어렵다.
이처럼 월세시대가 가져올 풍경은 대단히 암울하지만 정작 우리나라의 경우 준비 상태는 상당히 미흡한 상태다. 정부의 정책은 여전히 전세에 더 초점이 맞춰져 있는 데다 세입자 지원책 역시 실효성이 떨어진다. 박덕배 현대경제연구원 연구위원은 “월세가 보편화된 영국·프랑스·미국 등 선진국은 임대료 규제와 계약, 갱신권 부여 등 각종 조치를 통해 세입자를 보호하고 있지만 우리나라의 경우 이런 제도 자체가 없다”고 지적했다. 심교언 건국대 교수(부동산학과)는 “월세 세입자는 전세 세입자보다 주거비 부담이 더 많아 주거 안정성을 위협받고 있는 게 현실”이라며 “임대차시장이 빠르게 월세 중심으로 재편되고 있는 만큼 정부는 변화된 시장 상황을 반영한 정책을 마련할 필요가 있다”고 말했다.
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