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Housing & Real Estate
Compare jeonse loan interest and deposit opportunity cost with monthly-rent payments and deposit opportunity cost over the same period.
How to read these results
These values are calculated from your current inputs. Check the input units and this calculator’s stated assumptions or included scope alongside the results.
Primary result: Total jeonse economic cost
Supporting value: Total monthly-rent economic cost
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This South Korea housing comparison assumes refundable deposits are returned at the end of the lease, so deposit principal itself is not treated as a cost. It compares financing and opportunity costs only and excludes brokerage, moving costs, taxes, deposit-return risk, and loan-principal amortization.
Jeonse cost combines jeonse-loan interest with compounded opportunity cost on the part of the jeonse deposit funded by your own cash. Monthly-rent cost combines the opportunity cost of the rent deposit with all rent payments over the selected period.
The opportunity return is an assumption for what your tied-up cash might otherwise earn, not a guaranteed return. Try conservative and higher-return scenarios to see how sensitive the decision is.