3%EC%96%B5 Jeonse vs Rent
Which is better: 3%EC%96%B5 Jeonse or monthly rent?
Jeonse Deposit
3%EC%96%B5
Estimated Rent
1,375,000원
Rent Deposit: 1,500만원
Jeonse Monthly Opportunity Cost
1,000,000원
Rent Monthly Total Cost
1,425,000원
Result at 4% Rate
🏠
Jeonse is better!
Monthly 425,000원 savings
Break-even Rate5.8%
Jeonse is better above this rate
📊 Comparison by Investment Rate
| Rate | Jeonse | Rent | Difference | Recommendation |
|---|---|---|---|---|
| 2% | 500,000원 | 1,400,000원 | +900,000원 | 🏠 전세 |
| 3% | 750,000원 | 1,412,500원 | +662,500원 | 🏠 전세 |
| 4% | 1,000,000원 | 1,425,000원 | +425,000원 | 🏠 전세 |
| 5% | 1,250,000원 | 1,437,500원 | +187,500원 | 🏠 전세 |
| 6% | 1,500,000원 | 1,450,000원 | -50,000원 | ➖ 비슷 |
💡 Rent Choice Tips
- Higher investment returns mean higher opportunity cost for Jeonse.
- Consider loan interest if borrowing for Jeonse deposit.
- Factor in Jeonse fraud risk and insurance costs.
❓ FAQ
Is 3%EC%96%B5 Jeonse or rent better?
At 4% return, rent costs 1,425,000원/mo, Jeonse opportunity cost is 1,000,000원/mo. Jeonse is better.
What's the opportunity cost of 3%EC%96%B5 Jeonse?
At 4% return, monthly opportunity cost is 1,000,000원.
At what rate is Jeonse better?
Jeonse is better when investment return is above 5.8%.
📚 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。