업 무 안 내【참 고 사 항】 ○ 본 업무안내서는 2024년 5월 말 기준으로 작성되었습니다. ○ 향후 변경되는 내용에 대해서는 지속적으로 홈페이지(www.khug.or.kr)에서 확인 가능합니다. 금 융 기 획 실당당한 HUG, 청렴에서 시작합니다 목 차 Ⅰ 공사소개 ······························································································ 1 Ⅱ 보증별 상품안내 1. 주택사업 단계별 보증상품 안내 ································································· 3 2. 도시재생사업 금융보증상품 안내 ······························································· 6 Ⅲ 보증이용절차 ······················································································ 7 Ⅳ 업무거래등록
······················································································ 9 Ⅴ 신용평가 ······························································································ 11 Ⅵ 보증채무약정 ······················································································ 13 Ⅶ 보증한도 ······························································································ 14 Ⅷ 보증별 주요내용 ················································································ 16 1. PF보증
············································································································ 16 2. 기금 건설자금 대출보증 ············································································· 19 3. 도심주택 특약보증 ······················································································· 21 4. 리츠 회사채보증(모리츠/토지지원리츠/임대리츠회사채보증/공간지원리츠회사채보증) ······· 23 5. 인·허가보증 ···································································································· 25 6. 감리비 예치보증 ··························································································· 27 7. 정비사업자금
대출보증(조합원 이주비/부담금/사업비 대출보증) ·················· 28 8. 소규모주택 정비사업자금 대출보증(이주비/부담금/사업비 대출보증) ······· 30 9. 리모델링자금보증(이주비/부담금/사업비 보증) ·············································· 33 10. 도심 공공주택 복합사업 대출보증 ··························································· 35 11. 주택분양보증 ································································································· 37 12. 주상복합주택 분양보증 ··············································································· 41 13. 오피스텔 분양보증 ······················································································· 42 14. 조합주택 시공보증
······················································································· 43 15. 하도급대금 지급보증 ··················································································· 46 16. 주택구입자금보증 ························································································· 49 17. 주택임차자금보증 ························································································· 52 18. 임대보증금보증 ····························································································· 55 19. 후분양대출보증
····························································································· 59 20. 미분양대출보증 ····························································································· 61 21. 하자보수보증 ································································································· 63 22. 모기지보증 ····································································································· 65 23. 전세보증금반환보증 ····················································································· 67 24. 전세금안심대출보증(전세보증금 반환보증+전세자금대출 특약보증) ············· 72 25.
전세임대주택 전세보증금 반환보증 ························································· 74 26. 임차료 지급보증 ··························································································· 76 27. 임대관리보증(임대관리 임대료/임대보증금 보증) ··········································· 78 28. 임대주택 매입자금보증 ··············································································· 80 29. 도시재생 PF보증 ·························································································· 83 30. 도시재생 리모델링 자금보증 ····································································· 85 31. 도시재생 시설·운영 자금보증
··································································· 87 32. 수요자중심형 도시재생지원 자금보증 ····················································· 89 Ⅸ 융자수탁업무 ······················································································ 91 [부록] 보증별 약관 1. 주택사업금융보증약관(PF보증 전부보증용) ················································· 94 2. 주택사업금융보증약관(PF보증 일부보증용) ················································· 98 3. 주택사업금융보증약관(PF대출 유동화용) ·················································· 102 4. 주택사업금융보증약관(임대주택 리츠 PF보증용) ······································· 107 5. 주택사업금융보증약관(임대주택 리츠
P-ABS보증용) ······························· 110 6. 주택사업금융보증약관(주택도시기금 건설자금 대출보증용) ······················· 113 7. 리츠회사채보증약관 ··················································································· 120 8. 도심주택 특약보증 약관 ··········································································· 122 9. 인허가보증약관 ··························································································· 125 10. 감리비예치보증약관 ·················································································· 127 11. 정비사업자금대출보증약관(조합원이주비·부담금, 조합사업비대출보증용) · 129 12. 정비사업자금대출보증약관(조합사업비대출 유동화용)
····························· 133 13. 소규모주택 정비사업자금 대출보증약관(소규모주택정비 이주비·부담금·사업비대출보증용) ··· 138 14. 리모델링자금보증약관(리모델링 이주비·부담금·사업비보증용) ··················· 143 15. 리모델링자금보증약관(조합사업비대출유동화용) ······································· 147 16. 도심 공공주택 복합사업 대출보증 약관 ·············································· 152 17. 주택분양보증약관 ······················································································ 156 18. 분양보증 특별약관(입주금 관리 사업장용) ················································ 163 19. 주상복합주택분양보증약관 ······································································ 164 20. 주상복합주택분양보증약관(「건축물의
분양에 관한 법률」이 적용되는 시설용) ···· 171 21. 오피스텔분양보증약관 ·············································································· 178 22. 조합주택시공보증약관 ·············································································· 185 23. 하도급대금지급보증약관 ·········································································· 190 24. 주택구입자금보증약관 ·············································································· 196 25. 주택임차자금보증약관 ·············································································· 204 26. 임대보증금보증약관(사용검사 전)
····························································· 212 27. 법인임대사업자 임대보증금보증약관(사용검사 후) ······························· 220 28. 개인임대사업자 임대보증금보증약관(사용검사 후) ······························· 230 29. 주택사업금융보증약관(후분양대출보증용) ················································· 239 30. 후분양대출보증보증약관(유동화용) ························································ 243 31. 하자보수보증약관 ······················································································ 249 32. 주택사업금융 모기지보증 약관 ······························································ 255 33. 주택사업금융 모기지보증 약관(유동화용)
············································ 262 34. 전세보증금반환보증약관 ·········································································· 268 35. 전세금안심대출보증약관 ·········································································· 275 36. 임차료지급보증약관 ·················································································· 289 37. 임대관리임대료보증 약관 ········································································ 295 38. 임대관리임대보증금보증약관 ·································································· 299 39. 임대주택매입자금보증 약관
···································································· 302 40. 임대주택매입자금보증 약관(유동화용) ···················································· 307 41. 임대주택매입자금보증약관[임대사업자(리츠)] ········································· 312 42. 임대주택매입자금보증약관[임대사업자(ABS)] ········································· 315 43. 임대주택매입자금보증약관[임대사업자(일반)] ········································· 318 44. 주택도시기금전세자금대출보증약관 ······················································ 321 45. 도시재생사업금융보증약관[PF보증(LOAN)용] ········································· 328 46. 도시재생사업금융보증약관[PF보증(유동화)용]
········································ 332 47. 도시재생사업금융보증약관[리모델링자금보증용] ······································ 338 48. 도시재생사업금융보증약관[시설·운영자금보증용] ····································· 345 49. 도시재생사업금융보증약관(수요자중심형 도시재생지원자금보증용) ·········· 352 50. 인터넷보증이용약관 ·················································································· 357 Ⅰ. 공사 소개 당당한 HUG, 청렴에서 시작합니다 ∙ 1 Ⅰ 공사소개 1 연혁 1993.4. ► 주택사업공제조합 설립등기 ► 분양보증 등 14개 보증 및 융자업무 개시 1999.6. ► 대한주택보증㈜로 조직전환 설립등기 2003.7. ► 주상복합주택분양보증, 조합주택시공보증, 임대보증금보증 신규 취급 2005.1. ► 주택사업금융(PF)보증 등 2개 상품 출시 2008.10. ► 환매조건부 미분양주택 매입사업 개시 2009.5. ► 미분양투자상품 분양보증
편입사업 실시 2010.6. ► 정비사업추진자금 융자수탁업무 실시 2011.4. ► 국민주택기금건설자금대출보증 출시 2012.1. ► 정비사업자금대출보증, 주택구입자금보증 등 8개 상품 출시 2013.9. ► 전세보증금반환보증, 후분양대출보증, 모기지보증 등 9개 상품 출시 2014.1. ► 전세금안심대출보증, 임대관리보증 출시 및 공유형모기지 수탁업무 실시 2014.6. ► 표준PF대출 및 오피스텔분양보증 출시 2015.2. ► 임대사업종합금융보증 출시 2015.7. ► 주택도시보증공사 전환 설립 (주택도시기금법) 2016.3. ► 도시재생사업 금융보증 출시 2018.6. ► 소규모주택 정비사업자금 대출보증 출시 2021.4. ► 도심주택특약보증 출시 2022.12. ► 미분양대출보증 출시 2 설립목적 (주택도시기금법 제1조 및 제16조) ▪ 제1조(목적) 이 법은 주택도시기금을 설치하고 주택도시보증공사를 설립하여 주거복지 증진과 도시재생 활성화를 지원함으로써 국민의 삶의 질 향상에 이바지함을 목적으로 한다.▪ 제16조(설립) 이 법의 목적을 달성하기 위한 각종 보증업무 및 정책사업 수행과 기금의 효율적 운용·관리를 위하여 주택도시보증공사를 설립한다. 3
주주현황 주주명 지분율 비 고 정 부 77.84% 국토교통부 공공기관 0.71% -금융기관 6.35% -주택업계 1.59% -자기주식 13.41% -기 타 0.1% - 4 주요업무 보증업무 ► 분양보증, 주택사업금융(PF)보증 등 30여개 보증상품 운영 보증이행 ► 보증사고 발생시 분양이행 또는 이미 납부한 중도금 환급이행 채권관리 및 신용평가 ► 주채무자 채무 불이행시 채권의 회수 ► 보증거래 고객의 재무상태 및 경영능력에 대한 신용평가 업무 기금업무 ► 주택도시기금법에 따른 기금의 운용·관리에 관한 사무 등 업 무 안 내 2 ∙ 주택도시보증공사 5 본ㆍ지사ㆍ관리센터 구 분 주 소 전 화 팩 스 기획조정실 부산광역시 남구 문현금융로 40 BIFC 18층 051-955-5634 051-955-5306 인사처 부산광역시 남구 문현금융로 40 BIFC 18층 051-955-5375 051-955-5605 혁신성과처 부산광역시 남구 문현금융로 40 BIFC 11층 051-955-5726 051-955-5606 재무관리처 부산광역시 남구 문현금융로 40 BIFC 17층 051-955-5358 051-955-5307 리스크관리처 부산광역시 남구 문현금융로 40
BIFC 17층 051-955-6866 051-998-2250 준법지원처 부산광역시 남구 문현금융로 40 BIFC 17층 051-955-5886 051-955-5705 금융기획실 부산광역시 남구 문현금융로 40 BIFC 16층 051-955-5712 051-955-5705 개인보증처 부산광역시 남구 문현금융로 40 BIFC 16층 051-955-5717 051-998-2330 금융심사처 부산광역시 남구 문현금융로 40 BIFC 16층 051-955-5757 051-955-5706 채권관리실 부산광역시 남구 문현금융로 40 BIFC 11층 051-955-5815 051-955-5805 보증이행처 부산광역시 남구 문현금융로 40 BIFC 11층 051-955-5864 051-955-5806 기금관리실 부산광역시 남구 문현금융로 40 BIFC 10층 051-998-2287 051-998-2310 기금지원처 부산광역시 남구 문현금융로 40 BIFC 10층 051-998-2255 051-998-6890 기금사업처 부산광역시 남구 문현금융로 40 BIFC 10층 051-998-2284 051-998-6870 도시정비처 부산광역시 남구 문현금융로 40 BIFC 10층
051-998-2339 051-998-6799 경영지원실 부산광역시 남구 문현금융로 40 BIFC 18층 051-955-5397 051-955-5405 ICT기획처 부산광역시 남구 문현금융로 40 BIFC 6층 051-955-5498 051-955-5408 ICT운영처 부산광역시 남구 문현금융로 40 BIFC 11층 051-955-5473 051-998-2280 주택도시금융연구원 부산광역시 남구 문현금융로 40 BIFC 17층 051-955-5443 051-955-5407 홍보실 부산광역시 남구 문현금융로 40 BIFC 18층 051-955-5435 051-955-5606 정보보안처 부산광역시 남구 문현금융로 40 BIFC 17층 051-955-5466 051-998-6870 동부PF금융지사 서울특별시 종로구 청계천로 41 (영풍빌딩 6층) 02-3771-6259 02-3771-6250 서부PF금융지사 서울특별시 종로구 청계천로 41 (영풍빌딩 6층) 02-6021-8767 02-6021-8640 남부PF금융지사 부산광역시 동구 중앙대로 244 (초량동, 흥국생명 15층) 051-790-3008 051-790-3049 서울북부지사 서울특별시 종로구 청계천로
41 (영풍빌딩 5층) 02-397-2716 02-397-2731 서울동부지사 서울특별시 강남구 테헤란로 317 (동훈타워 5층) 02-6098-7539 02-2050-7811 서울서부지사 서울특별시 영등포구 의사당대로 8 (태흥빌딩 4층) 02-3771-6509 02-3771-6540 서울남부지사 서울특별시 서초구 서초대로 254 (오퓨런스빌딩 2층) 02-6009-7989 02-6009-7911 인천지사 인천광역시 남동구 백범로 357 (한국교직원공제회관 13,14층) 032-211-4319 032-211-4360 경기북부지사 경기도 의정부시 평화로 489 (전기공사공제조합빌딩 2층) 031-894-3211 031-894-3270 경기남부지사 경기도 수원시 팔달구 권광로 178 (한국교직원공제회관 7,9층) 031-8002-7008 031-8002-7070 부산울산지사 부산광역시 동구 중앙대로 240 (현대해상 사옥 14층) 051-922-7775 051-922-7777 대구경북지사 대구광역시 수성구 동대구로 334 (한국교직원공제회관 15층) 053-210-2921 053-210-2930 광주전남지사 광주광역시 서구 시청로 26 (광주광역시도시공사빌딩
6층) 062-350-5953 062-350-5991 대전충남지사 대전광역시 서구 둔산북로 56 (한화생명 둔산사옥 10층) 042-479-8514 042-479-8501 강원지사 강원도 원주시 북원로 2135 (NH농협은행원주시지부빌딩 3층) 033-902-6604 033-902-6666 충북지사 충청북도 청주시 흥덕구 강서로 107 (BYC빌딩 12층) 043-913-2011 043-913-2070 전북지사 전라북도 전주시 완산구 온고을로 1 (교원공제회관 3층) 063-250-6451 063-250-6450 경남지사 경상남도 창원시 성산구 성남로 25 (산업은행빌딩 1층) 055-210-3412 055-210-3450 제주출장소 제주특별자치도 제주시 은남길 8 (삼성화재빌딩 6층) 064-909-7640 064-909-7620 스마트금융지사 서울특별시 영등포구 의사당대로 8 (태흥빌딩 3층) 02-3771-6363
