🏠 Rent Conversion Calculator
📍 Deposit → Monthly
Converting 3.0억원 deposit to monthly rent
Monthly Rent
1,125,000원
Annual: 1350만원
📍 Monthly → Deposit
To eliminate 500,000 monthly rent
Additional Deposit Needed
1.3억원
Total Deposit: 4.3억원
📊 2-Year Cost Comparison
| Category | Jeonse (Deposit) | Monthly Rent |
|---|---|---|
| Deposit | 3.0억원 | 3.0억원 + α |
| Opportunity Cost | 2400만원 | - |
| Total Rent (2yr) | - | 1200만원 |
| Real Cost | 2400만원 | 1200만원 |
Monthly rent is better!
Save approximately 1200만원 over 2 years.
🔄 Various Scenarios
| Return Rate | Deposit Cost | Better Option | Difference |
|---|---|---|---|
| 2% | 1200만원 | Rent | 0원 |
| 3% | 1800만원 | Rent | 600만원 |
| 4% ← | 2400만원 | Rent | 1200만원 |
| 5% | 3000만원 | Rent | 1800만원 |
| 6% | 3600만원 | Rent | 2400만원 |
| 7% | 4200만원 | Rent | 3000만원 |
| 8% | 4800만원 | Rent | 3600만원 |
💡 Deposit + Rent Combinations
| Deposit | Monthly Rent | Annual Cost (4% opp.) |
|---|---|---|
| 0원 (0%) | 1,125,000원 | 1350만원 |
| 7500만원 (25%) | 843,750원 | 1313만원 |
| 1.5억원 (50%) | 562,500원 | 1275만원Balance |
| 2.3억원 (75%) | 281,250원 | 1238만원 |
| 3.0억원 (100%) | 0원 | 1200만원 |
Rent Conversion Result
Monthly rent is better
Save approximately 1200만원 over 2 years
🔎 Compare results
Compare outcomes by conditions
#전월세 #월세전환 #전세 #부동산
About Conversion Rate
- • Legal maximum conversion rate: 5% annually
- • Actual market rates vary by location
- • Opportunity cost varies by investment ability
💡Check these out next
What is Rent Conversion?
Rent conversion refers to converting all or part of the Jeonse deposit to monthly rent, or vice versa. The Housing Lease Protection Act sets a maximum conversion rate to reduce tenant burden.
Legal Conversion Rate
Maximum Conversion Rate:
5% annually (Bank of Korea base rate + 3.5%)
As of 2024, may vary with base rate changes
How to Choose
| Criteria | Jeonse Better | Monthly Better |
|---|---|---|
| Available Funds | Have savings | Limited savings |
| Investment Skill | Low returns | High returns |
| Stay Duration | Long-term | Short-term |
| Rate Outlook | Rising rates | Falling rates |
What is Opportunity Cost?
When you lock your money in a Jeonse deposit, you give up potential investment returns. This is opportunity cost. For example, 300 million KRW at 4% return would earn 12 million KRW annually, which you forgo with Jeonse.
Important Considerations
- Consider risk of deposit non-return
- Protect against fraud (get deposit insurance)
- Check renewal increase limits (5% cap)
- Consider monthly rent tax deduction benefits
📚 Länderbezogener Rechenleitfaden
Formellogik
Verwendet öffentliche Standards für Finanzen, Darlehen, Quoten und Umrechnung.
Quellenrahmen
Bezug auf öffentliche Standards und übliche Praxis je Land.
Annahmen
Steuern, Gebühren, Zinssätze und Grenzen variieren nach Region/Institut.
Result Interpretation
Nutzen Sie das Ergebnis als Basisszenario. Vor Entscheidungen mit echtem Angebot und lokaler Steuerlage abgleichen.
Lokale Voreinstellung
Währung: EUR
Einheiten: metric
Steuermodell: US payroll estimate
Regulatorischer Hinweis
Dieses Tool nutzt regionale Voreinstellungen zur Schätzung. Reale Vertragsbedingungen und gesetzliche Grenzen variieren je nach Institut und Rechtsraum.
Empfohlene nächste Schritte
- Vergleichen Sie vor Abschluss mindestens 2-3 lokale Anbieter.
- Prüfen Sie Gebühren, Steuerwirkung und Vorfälligkeitsklauseln schriftlich.
- Simulieren Sie ein Stressszenario mit +1-2% Zins.
Vor realen Entscheidungen bitte die aktuellen lokalen Regeln prüfen.