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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.

Still on an old high rate? Refinance in-app to save millions a year. Costs and watch-outs included.

Same ₩300M at 4.32% over 30 years: ₩235.7M interest one way, ₩194.9M the other. See where the two methods cross over.