🏠 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
📚 国別の計算ガイド
計算ロジック
金融・ローン・比率・単位変換の公開標準を使用します。
参照範囲
公開された基準と各国で一般的な運用慣行を参照します。
前提条件
税率・手数料・上限は地域や金融機関で異なります。
結果の読み方
結果は基準シナリオとして活用してください。最終判断前に金融機関見積と税務条件を比較してください。
ロケール既定値
通貨: JPY
単位: metric
税計算モデル: US payroll estimate
法規上の注意
本ツールは国別プリセットによる概算です。実際の契約条件や法的上限は金融機関・地域法令により異なる場合があります。
推奨アクション
- 申込前に最低2〜3社の条件を比較してください。
- 手数料・税務・繰上返済条項を書面で再確認してください。
- 金利+1〜2%と収入減少のストレスケースも確認してください。
実際の契約前に、必ず現地機関の最新条件を確認してください。