🏠 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
📚 Guía local de cálculo
Lógica de fórmula
Se aplican fórmulas públicas de finanzas, préstamos, ratios y conversión.
Alcance de fuentes
Tomamos como referencia estándares públicos y prácticas habituales por país.
Supuestos
Impuestos, comisiones, tasas y límites cambian según región e institución.
Result Interpretation
Usa este resultado como escenario base. Antes de decidir, compáralo con oferta real y fiscalidad local.
Configuración local
Moneda: EUR
Unidades: metric
Modelo fiscal: US payroll estimate
Aviso normativo
Esta herramienta usa valores locales para estimación. Las condiciones reales y límites legales dependen de la entidad y del país.
Acciones recomendadas
- Compara al menos 2-3 entidades locales antes de contratar.
- Verifica por escrito comisiones, impuestos y cláusulas de prepago.
- Simula un escenario de estrés con +1-2% de interés.
Antes de decidir, verifica las reglas actualizadas de la entidad local.