자동차 할부 이자 계산
월 납입금으로 자동차 할부의 실제 연이율을 계산할 수 있습니다. 유예할부라면 마지막에 내는 유예금을 입력하세요. 원리금균등상환 기준으로 계산합니다.
계산기는 영어로 되어 있습니다. 브라우저 번역 기능으로 한 번에 한국어로 볼 수 있습니다.
Car loan rules in South Korea
- Car installment plans (자동차 할부) and auto loans quote an annual rate on the remaining balance, usually repaid in equal monthly installments (원리금균등상환).
- Deferred installment plans (유예할부) are common, often deferring 45% to 55% of the price to the final payment. That keeps monthly payments low but adds interest.
- Under the Financial Consumer Protection Act, lenders cannot charge an early repayment fee (중도상환수수료) once a loan is more than 3 years old. Since January 2025, fees in the first 3 years may only cover the lender’s actual costs; auto installment fees are usually 0% to 2%, shrinking as the loan ages. The example uses 1%.
Sources: Hyundai balloon installment terms · 2025 early repayment fee reform. Rules checked October 2026.
How to use this calculator
Choose Find my APR and enter the price, your down payment, the term and the monthly payment from your offer. The calculator works backward to the APR that lenders in South Korea must disclose, and shows the same loan as a nominal rate and an effective rate. Choose Find my payment to turn a quoted rate into a monthly payment. All figures are in KRW and you can switch country at the top of the page.
Frequently asked questions
How is interest on a Korean car installment calculated?
Installment plans quote an annual rate (연이율) on the remaining balance, usually repaid in equal monthly payments (원리금균등상환).
Is there an early repayment fee?
Not after a loan is 3 years old. In the first 3 years, fees may only cover the lender’s actual costs; auto installment fees are usually 0% to 2%.
중도상환수수료는 얼마인가요?
금융소비자보호법에 따라 대출 후 3년이 지나면 중도상환수수료를 받을 수 없습니다. 2025년부터는 3년 이내에도 실제 비용 수준으로만 받을 수 있으며, 자동차 할부는 보통 0~2%입니다.
유예할부란 무엇인가요?
차량 가격의 일부(보통 45~55%)를 마지막 회차로 미루는 할부입니다. 월 납입금은 줄지만 전체 이자는 늘어납니다.