Equal Principal & Interest vs. Equal Principal Repayment

This is a summary of Korean tax and finance rules. The full article is available in Korean.Switch to Korean (KO)

Comparing the two main loan repayment methods: equal principal and interest (fixed monthly payments, more total interest) versus equal principal (decreasing payments, less total interest). This guide shows the total interest difference with concrete examples.

Related Calculators

→ Loan Interest Calculator

All calculations use 2026 official Korean government rates. Amounts are in Korean Won (KRW). Input data never leaves your browser.