Loan Prepayment Penalty Calculator
Enter principal, fee rate, and elapsed period to get the sliding-scale fee, your 3-year exemption D-day, and refinance break-even at once.
🧮 Prepayment Details
Most banks: 36 months (3 years)
Enter in 10,000 KRW if you have a 10% partial-repayment exemption, else 0
💸 Prepayment Penalty Result
Estimated prepayment penalty
100,730원
approx. 약 10.1만원
Days remaining as of the prepayment date
Remaining days 184일 · Sliding ratio 17%
Exemption date
2027-01-15
Fee-eligible principal
5,000 ×10K KRW
Fee = eligible principal × rate × (remaining days ÷ fee-period days)
🔄 Refinance (Switch) Break-even
Compare the interest you'd save by switching against the prepayment penalty you'd owe.
Net benefit (interest saved − fee)
899,270원
Refinancing worth itTotal saved over term
1,000,000원
Annual interest saved 500,000원
Break-even
약 2.4개월
Uses the prepayment penalty calculated above.
A simple approximation assuming a fixed balance. In reality the balance falls as you repay, so savings are somewhat lower — use for directional guidance only.
🏦 Bank Fee-Rate Reference (2025.1.13 reform)
| Bank | Mortgage | Credit loan |
|---|---|---|
| KB Kookmin | 0.7% | 0.5% |
| Shinhan | 0.7% | 0.5% |
| Hana | 0.7% | 0.6% |
| Woori | 0.7% | 0.5% |
| NH Nonghyup | 0.8% | 0.6% |
These figures are representative examples reflecting the 2025.1.13 reform. Actual rates vary by product and enrollment date — confirm with your terms or the KFB consumer portal.
Check actual per-bank rates on the KFB consumer portal →