๐ Rent Conversion Calculator
๐ Deposit โ Monthly
Converting 3.0์ต์ deposit to monthly rent
Monthly Rent
1,125,000์
Annual: 1350๋ง์
๐ Monthly โ Deposit
To eliminate 500,000 monthly rent
Additional Deposit Needed
1.3์ต์
Total Deposit: 4.3์ต์
๐ 2-Year Cost Comparison
| Category | Jeonse (Deposit) | Monthly Rent |
|---|---|---|
| Deposit | 3.0์ต์ | 3.0์ต์ + ฮฑ |
| Opportunity Cost | 2400๋ง์ | - |
| Total Rent (2yr) | - | 1200๋ง์ |
| Real Cost | 2400๋ง์ | 1200๋ง์ |
Monthly rent is better!
Save approximately 1200๋ง์ over 2 years.
๐ Various Scenarios
| Return Rate | Deposit Cost | Better Option | Difference |
|---|---|---|---|
| 2% | 1200๋ง์ | Rent | 0์ |
| 3% | 1800๋ง์ | Rent | 600๋ง์ |
| 4% โ | 2400๋ง์ | Rent | 1200๋ง์ |
| 5% | 3000๋ง์ | Rent | 1800๋ง์ |
| 6% | 3600๋ง์ | Rent | 2400๋ง์ |
| 7% | 4200๋ง์ | Rent | 3000๋ง์ |
| 8% | 4800๋ง์ | Rent | 3600๋ง์ |
๐ก Deposit + Rent Combinations
| Deposit | Monthly Rent | Annual Cost (4% opp.) |
|---|---|---|
| 0์ (0%) | 1,125,000์ | 1350๋ง์ |
| 7500๋ง์ (25%) | 843,750์ | 1313๋ง์ |
| 1.5์ต์ (50%) | 562,500์ | 1275๋ง์Balance |
| 2.3์ต์ (75%) | 281,250์ | 1238๋ง์ |
| 3.0์ต์ (100%) | 0์ | 1200๋ง์ |
Rent Conversion Result
Monthly rent is better
Save approximately 1200๋ง์ over 2 years
๐ Compare results
Compare outcomes by conditions
#์ ์์ธ #์์ธ์ ํ #์ ์ธ #๋ถ๋์ฐ
About Conversion Rate
- โข Legal maximum conversion rate: 5% annually
- โข Actual market rates vary by location
- โข Opportunity cost varies by investment ability
๐กCheck 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
๐ Panduan perhitungan lokal
Logika rumus
Menggunakan rumus publik untuk keuangan, pinjaman, rasio, dan konversi satuan.
Cakupan sumber
Mengacu pada standar publik dan praktik umum per negara.
Asumsi
Pajak, biaya, suku bunga, dan batas berbeda antar wilayah/lembaga.
Result Interpretation
Gunakan hasil ini sebagai skenario dasar. Sebelum memutuskan, bandingkan dengan penawaran nyata dan aturan pajak lokal.
Preset lokal
Mata uang: IDR
Satuan: metric
Model pajak: US payroll estimate
Catatan regulasi
Alat ini memakai preset regional untuk estimasi. Syarat nyata dan batas hukum dapat berbeda menurut lembaga dan aturan lokal.
Aksi yang disarankan
- Bandingkan minimal 2-3 penyedia lokal sebelum final.
- Cek ulang biaya, pajak, dan klausul pelunasan dipercepat secara tertulis.
- Uji skenario stres dengan bunga +1-2% dan pendapatan turun.
Sebelum keputusan nyata, pastikan aturan terbaru di lembaga setempat.