INPUT AND EVIDENCE LEDGER
Put the two cases on the same footing.
| Field | Value | Origin |
|---|---|---|
| Purchase case | ₩900M price; ₩540M loan | Illustrative scenario |
| Jeonse case | ₩600M deposit; ₩360M loan | Illustrative scenario |
| Rate | 4.2% | Held constant for illustration |
| Purchase term | 30-year equal payment | User assumption |
DECISION READING
Read the gap, not just the winner.
The ₩1.38M gap is not a verdict that jeonse is cheaper: part of the purchase payment builds equity. A useful tool must show cash outflow, interest cost, principal change, capital tied up, and deposit risk as separate rows.
REPRODUCIBLE WORK
The comparison ledger.
| Check | Formula or rule | Result |
|---|---|---|
| Purchase scheduled payment | ₩540M, 4.2%, 360 payments | About ₩2,640,693 per month |
| Jeonse interest layer | ₩360M × 4.2% ÷ 12 | About ₩1,260,000 per month |
| Visible cash-flow gap | ₩2,640,693 − ₩1,260,000 | About ₩1,380,693 per month |
| Classification check | Purchase payment = principal + interest | Not equivalent to interest-only cost |
SOURCE SNAPSHOT
Official context and the limited role it supports.
SENSITIVITY
Conditions that can reverse the gap.
- Changing the two loan amounts can reverse the visible cash-flow gap.
- Deposit return risk and guarantees matter to the jeonse case.
- Acquisition tax, ownership costs, and expected holding period matter to the purchase case.
HUMAN ACCOUNTABILITY + AI USE RECORD
The owner is accountable; the technical checks were AI-assisted.
The TOOOLBOX site owner authorized the publication scope and remains the correction contact. AI assistance was used for drafting, implementation, arithmetic recomputation, and source-link checks. This record does not claim line-by-line human fact-checking or licensed professional review.
- Record ID
- TB-APT-03-20260906
- Owner role
- TOOOLBOX site owner and developer
- Technical check date
- 2026-09-06
- Human fact-check
- No separate human fact-check recorded
- AI use
- Drafting, code, arithmetic, and link checks
- Correction channel
- Public contact page
- Recomputed the purchase payment and the jeonse interest-only layer from the declared balances and 4.2% rate.
- Confirmed that principal repayment is separated from interest before interpreting the ₩1.38M cash-flow gap.
- Checked that deposit risk, guarantees, ownership costs, appreciation, and eligibility remain outside the conclusion.
BOUNDARIES
Claims this comparison cannot support.
- The jeonse line is an interest-layer illustration, not a quoted loan product.
- No property appreciation, rent change, or investment return is forecast.
- Eligibility and legal protections require household-specific verification.
MORE APT DECISION NOTES
Test the result yourself.
This note preserves a dated calculation. Change the inputs in the live workspace, or compare another evidence pattern below. Live source availability and results can differ from the dated example.