중도상환수수료 계산기 - 대출 갈아타기 손익

"Is it really advantageous to switch now?"

If interest is decreasing but you have to pay an early repayment fee, you need to calculate to know how much is actually left.

This app does exactly that calculation.

▸ Switching Profit & Loss Calculation

Enter your loan details (balance, interest rate, repayment method, maturity),

and it calculates the interest difference for the remaining period by comparing it to the rates publicly announced by the Financial Supervisory Service.

It then subtracts the early repayment fee from that figure and shows the actual net profit remaining.

▸ Early Repayment Fee

Calculated using the standard formula published by the Financial Supervisory Service.

Balance × Fee Rate × (Remaining Loan Days ÷ Loan Period)

Since the fee rate and waiver period vary by contract, please enter the values ​​from the loan agreement directly.

▸ We Count the Days You Need to Keep Anonymous

· Early Repayment Fee Waiver Date — D-30, D-7, Notification on the day

· Variable Rate Renewal Date — D-7, Notification on the day

These are dates that cannot be found through a search because each person's loan execution date is different.

▸ Publicly Disclosed Interest Rates by Bank

Mortgage Loans · Jeonse Loans · Personal Credit Loans

Along with interest rate conditions (Fixed/Variable × Repayment Method × Collateral Type),

You can view early repayment fees, late payment interest rates, loan limits, and incidental expenses exactly as disclosed in the original text.

▸ No login, identity verification, or MyData connection required

The loan information you enter is stored only on this device and is not transmitted anywhere else.

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Data Source

Financial Supervisory Service Integrated Financial Product Comparison Disclosure (finlife.fss.or.kr)

Automatically updated daily

This app simply transmits and calculates the publicly disclosed data as is.

It does not recommend or broker specific products, nor does it accept loan applications.

The actual applicable interest rate and limit may vary depending on creditworthiness, collateral, and the results of the screening.