Jeonse–Wolse Conversion Calculator
Convert jeonse (deposit-only) ↔ wolse (deposit + monthly rent) both ways and check the statutory ceiling (currently 4.5%/yr).
Compute the monthly rent when converting part of a jeonse deposit to wolse.
✍️ Input
= 3억원
= 1억원
Current housing ceiling 4.5% (base rate 2.5% + 2%)
📊 Result
Monthly rent
75만원
The applied conversion rate is within the housing legal ceiling.
Housing legal ceiling
4.5%
Base rate applied
2.5%
Market-rate scenario comparison
| Rate | Monthly rent |
|---|---|
| 3% | 50만원 |
| 3.5% | 58.33만원 |
| 4% | 66.67만원 |
| 4.5% | 75만원 |
| 5%상한초과 | 83.33만원 |
| 5.5%상한초과 | 91.67만원 |
Market conversion rates are roughly 3–5.5% depending on region and prices. Below is a comparison by rate.
Calculation basis
- 🏦 Base rate: Bank of Korea 2.50%/yr (verified 2026-07-11; changes on MPC decisions)
- 📜 Formula: Housing Lease Protection Act §7-2 (limit on monthly-rent conversion rate)
- 🏠 Housing ceiling: min(10%/yr, base rate + 2%) — Enforcement Decree §9 → currently 4.5% (4.5%)
- 🏢 Commercial ceiling: min(12%/yr, base rate × 4.5) — Commercial Lease Decree §5 → currently 11.25% (11.25%)
※ Reference calculation only, not legal advice. For a definitive judgment, consult the Korea Legal Aid Corporation (132), a lease dispute committee, or a licensed agent.
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