#Base Rate
Related posts · 5 posts
Money
Seoul's Policy Loans Cost 2.65% After the Subsidy — and the Subsidy Is Where Banks Differ
A policy loan brochure quotes two rates: what the bank charges and what the city pays. The borrower carries the gap, which nothing publishes.
Real Estate
Jeonse Loan Rates Differ by 1.99 Points Between Banks — With the Same Guarantee Behind Them
The lowest was 3.79% and the highest 5.78%. On a KRW 100 million loan that is KRW 1.99 million a year.
Calculators
Jeonse to Monthly Rent Calculator — The 4.75% Cap Comes From Two Clauses (2026)
Enter deposits and a rate for the fair monthly rent — plus where "the lower of base rate plus two and ten percent" actually comes from.
Money
Fixed or Variable — One Point Is About 60,000 Won a Month per 100 Million
Don't choose on a forecast. You can answer whether you could pay two points higher — and on a 300-million loan that answer is 370,000 won a month.
Real Estate
Jeonse vs Monthly Rent — the Numbers the Law Actually Fixes
The conversion cap is the lower of 10% a year and the base rate plus 2 points. At a 2.75% base rate in August 2026, that is 4.75%.
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