INPUT AND EVIDENCE LEDGER
Put the two cases on the same footing.
| Field | Value | Origin |
|---|---|---|
| Loan principal | ₩480,000,000 | Held constant |
| Term | 30 years / 360 payments | Held constant |
| Lower-rate case | 3.5% | Illustrative assumption |
| Higher-rate case | 5.0% | Illustrative assumption |
DECISION READING
Read the gap, not just the winner.
A property can fit at one assumed rate and fail the same household budget at another. APT should therefore expose the rate as an editable assumption rather than burying it inside a score.
REPRODUCIBLE WORK
The comparison ledger.
| Check | Formula or rule | Result |
|---|---|---|
| 3.5% payment | Standard equal-payment formula | About ₩2,155,415 per month |
| 5.0% payment | Same principal and term | About ₩2,576,744 per month |
| Monthly difference | ₩2,576,744 − ₩2,155,415 | About ₩421,329 |
| First-year cash difference | ₩421,329 × 12 | About ₩5,055,948 |
SOURCE SNAPSHOT
The official values behind the comparison.
SENSITIVITY
Conditions that can reverse the gap.
- Shorter terms usually raise the monthly payment while reducing total interest.
- A larger cash contribution reduces both payments, but ties up more capital.
- Actual products can use different repayment structures, fees, and rate-reset rules.
OWNER AUTHORIZATION + VERIFICATION RECORD
One accountable operator and a reproducible check record.
The TOOOLBOX site owner authorized this publication scope and remains the correction contact. The checks below were completed during preparation with AI-assisted implementation; they are an audit record, not a claim of licensed professional review.
- Review ID
- TB-APT-02-20260902
- Owner role
- TOOOLBOX site owner and developer
- Release scope
- Owner-authorized · 2026-09-02
- Correction channel
- Public contact page
- Recomputed every displayed result from the declared inputs.
- Opened each linked official source and verified the limited role it supports.
- Read the final page for claims that extend beyond the evidence or calculation.
BOUNDARIES
Claims this comparison cannot support.
- The calculation assumes a constant nominal rate for the full term.
- It excludes fees, insurance, early repayment, and lender-specific schedules.
- The two rates are scenarios, not current offers.
MORE APT DECISION NOTES
Compare another evidence pattern.
The related notes deliberately use different questions, data states, and editorial forms.