Loan Refinance Net-Savings Calculator
Enter your existing and new loan terms to see net savings after all prepayment fees and closing costs — plus your break-even point. Looking at the rate gap alone can mislead you.
📄 Existing loan
Remaining principal (e.g. 200,000,000)
e.g. 240 months = 20 years
✨ New (refinanced) loan
Keep equal to the remaining term for a fair comparison
💸 Prepayment fee
Fee is waived after 36 months (3 years)
⏳ 18 months until waived
🧾 Closing costs
Net savings
+15,833,732원
📈 Break-even — Pays off after 27 months
Net savings = interest saved − prepayment fee − closing costs
Existing total interest
103,671,701원
New total interest
85,836,969원
Interest saved
+17,834,732원
Total closing costs
2,001,000원
Basis · Sources
- 💸 Prepayment fee: bank federation standard — amount × rate × (remaining days / term), waived after 3 years (1,095 days)
- 🏦 Registration: registration license tax (max claim × 0.2%) + local edu tax (20%) + scrivener fee
- 🧾 Stamp duty: Stamp Duty Act Article 3 brackets, typically 50% borrower share
- 📐 Appraisal: usually skipped for apartments with public market prices; actual cost for villas/detached houses
※ All calculations are reference estimates. Actual rates, fees, and costs vary by institution, scrivener, and year.
Guide · FAQ · bal.pe.kr 금융 도구
계산 방법 상세는 Guide, 자주 묻는 질문은 FAQ, 계산 기준·운영 정보는 About 참조. 마지막 업데이트 2026-07-11.