전월세 전환 계산기 (전월세 전환 계산기)
전환율을 이용하여 전세 보증금과 월세를 변환합니다.
원
원
%
법정 상한: 한국은행 기준금리 (3.0%) + 3.5% = 6.5%
월 임대료 (월 임대료)
| 보증금 차액 (보증금 차액) | |
| 월 임대료 (월세) | |
| 연 임대료 (연 임대료) |
공식 (산정 공식)
월 임대료 = (전세 - 보증금) × 요율 / 12
- 법정 전환율 상한 = 한국은행 기준금리 + 3.5%
- 현재 한국은행 기준금리: 3.0% (2025년 기준)
- 현재 상한: 6.5%
- 임대인은 법정 상한을 초과하는 전환율을 적용할 수 없습니다
Frequently Asked Questions
What is jeonse and how does it differ from monthly rent?
Jeonse (전세) is a unique Korean rental system where the tenant pays a large lump-sum deposit (typically 50–80% of the property value) instead of monthly rent. The landlord invests or earns interest on the deposit, returning the full amount at lease end.
How is the jeonse-to-monthly-rent conversion rate calculated?
The conversion rate (전월세 전환율) converts between jeonse deposit and monthly rent. Monthly rent = (Jeonse deposit – Actual deposit) × Conversion rate / 12. The government publishes a reference rate (typically 2–4%), though actual rates vary by location and market conditions.
Is jeonse still popular in Korea?
Jeonse has become less common due to low interest rates reducing landlord returns, and several high-profile jeonse fraud cases. The trend has shifted toward wolse (monthly rent with a smaller deposit) or half-jeonse arrangements combining a moderate deposit with reduced monthly rent.