🏠 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
📚 各地区计算规则说明
计算逻辑
采用公开的金融、贷款、比率与单位换算标准公式。
参考范围
参考公开标准与各地区常见实务规则。
前提条件
税费、费率、上限会因地区和机构而不同。
结果解读
结果可作为基准情景。正式决策前请与当地机构报价和税务规则对比。
地区默认值
货币: CNY
单位: metric
税务模型: US payroll estimate
法规提示
本工具基于地区预设进行估算。实际合同条款与法定上限可能因机构和当地法规而不同。
建议操作
- 正式申请前请至少比较 2~3 家本地机构方案。
- 再次核对费用、税务处理和提前还款条款。
- 用利率 +1~2% 与收入下降场景再测一次。
做真实决策前，请先确认当地机构的最新条款。