INPUT LEDGER
What is known, entered, or assumed.
| Input | Value | Origin |
|---|---|---|
| Purchase case | ₩900M price; ₩540M loan | Illustrative scenario |
| Jeonse case | ₩600M deposit; ₩360M loan | Illustrative scenario |
| Rate | 4.2% | Held constant for illustration |
| Purchase term | 30-year equal payment | User assumption |
REPRODUCIBLE CALCULATION
Follow the intermediate result.
Purchase scheduled payment
Formula or rule: ₩540M, 4.2%, 360 payments
Result: About ₩2,640,693 per month
Jeonse interest layer
Formula or rule: ₩360M × 4.2% ÷ 12
Result: About ₩1,260,000 per month
Visible cash-flow gap
Formula or rule: ₩2,640,693 − ₩1,260,000
Result: About ₩1,380,693 per month
Classification check
Formula or rule: Purchase payment = principal + interest
Result: Not equivalent to interest-only cost
DECISION READING
What the result means.
The ₩1.38M gap is not a verdict that jeonse is cheaper: part of the purchase payment builds equity. A useful tool must show cash outflow, interest cost, principal change, capital tied up, and deposit risk as separate rows.
SENSITIVITY
What could change the answer.
- Changing the two loan amounts can reverse the visible cash-flow gap.
- Deposit return risk and guarantees matter to the jeonse case.
- Acquisition tax, ownership costs, and expected holding period matter to the purchase case.
BOUNDARIES
What this case does not prove.
- The jeonse line is an interest-layer illustration, not a quoted loan product.
- No property appreciation, rent change, or investment return is forecast.
- Eligibility and legal protections require household-specific verification.
OFFICIAL SOURCES
Where factual context is verified.
RELATED APT CASES
Change one assumption and compare again.
Each case keeps inputs, arithmetic, evidence, and uncertainty in separate layers.