Jeonse vs Monthly Decision Calculator

Jeonse vs Monthly Decision Calculator helps compare Korea-related jeonse, monthly rent, guarantee, and lease-cost assumptions in English.

Jeonse vs monthly decision calculator

Uses the Korean decision model for total cost, cash flow, tax benefit, risk, flexibility, guarantee insurance, brokerage fee, rent tax credit, jeonse loan deduction, and sensitivity.

Korean source inputs

Recommendation

monthly

Korean decision result key.

Jeonse total cost

₩28,368,000

Interest, opportunity cost, insurance, brokerage, management, moving, tax benefit.

Monthly total cost

₩25,044,000

Rent, opportunity cost, brokerage, management, moving, tax benefit.

Jeonse score

46

Weighted decision matrix score.

Monthly score

78

Weighted decision matrix score.

Tax benefit gap

₩1,140,000

Jeonse deduction vs monthly rent credit.

This English calculator calls the same pure real-estate calculation function used by the Korean page. Inputs and labels are translated; the formula is not replaced by a generic stub.

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Jeonse vs monthly decision calculator

This English page keeps the Korean decision matrix for total cost, cash flow, tax benefit, risk, flexibility, guarantee insurance, brokerage, rent tax credit, and loan deduction.

Decision weights

The decision matrix weights total cost at 40 percent, cash flow at 20 percent, tax benefit at 15 percent, risk at 15 percent, and flexibility at 10 percent. The score is not only the cheaper total-cost option.

Jeonse cost includes loan interest, opportunity cost, guarantee insurance when selected, brokerage, moving cost, management fee, renewal cost, and jeonse-loan tax benefit. Monthly-rent cost includes rent, opportunity cost, brokerage, moving cost, management fee, and monthly-rent tax credit.

Tax and insurance assumptions

The source uses HUG guarantee insurance at 0.128 percent as the default jeonse insurance fee. Monthly rent tax credit uses 17 percent up to KRW 55 million income and 15 percent up to KRW 80 million income, subject to the modeled caps.

Jeonse loan interest deduction is capped at KRW 3 million deduction base in the model, then a 15 percent tax effect is estimated. These are planning assumptions and must be checked against actual year-end tax eligibility.

How to use

Use this calculator when the cheaper lease form is not obvious. The result should be reviewed together with liquidity needs, deposit-return risk, guarantee eligibility, expected residence period, and moving plan.