{
  "asOf": "2026-10-08",
  "kind": "편집부 가정 계산 · 실제 계약·은행 조건·은마 사업비가 아님",
  "magok": {
    "assumption": "보증금 전액을 동일한 가정금리로 차입하고 원금상환·수수료·세금·교통비는 제외. 실제 대출 가능 여부와 무관.",
    "cases": [
      {
        "depositManwon": 30000,
        "assumedAnnualRate": 4,
        "monthlyRentManwon": 0,
        "managementManwon": 15,
        "monthlyInterestManwon": 100,
        "monthlyTotalManwon": 115
      },
      {
        "depositManwon": 10000,
        "assumedAnnualRate": 4,
        "monthlyRentManwon": 80,
        "managementManwon": 20,
        "monthlyInterestManwon": 33.333333333333336,
        "monthlyTotalManwon": 133.33333333333334
      }
    ],
    "rates": [
      {
        "rate": 3,
        "cases": [
          {
            "depositManwon": 30000,
            "assumedAnnualRate": 3,
            "monthlyRentManwon": 0,
            "managementManwon": 15,
            "monthlyInterestManwon": 75,
            "monthlyTotalManwon": 90
          },
          {
            "depositManwon": 10000,
            "assumedAnnualRate": 3,
            "monthlyRentManwon": 80,
            "managementManwon": 20,
            "monthlyInterestManwon": 25,
            "monthlyTotalManwon": 125
          }
        ]
      },
      {
        "rate": 4,
        "cases": [
          {
            "depositManwon": 30000,
            "assumedAnnualRate": 4,
            "monthlyRentManwon": 0,
            "managementManwon": 15,
            "monthlyInterestManwon": 100,
            "monthlyTotalManwon": 115
          },
          {
            "depositManwon": 10000,
            "assumedAnnualRate": 4,
            "monthlyRentManwon": 80,
            "managementManwon": 20,
            "monthlyInterestManwon": 33.333333333333336,
            "monthlyTotalManwon": 133.33333333333334
          }
        ]
      },
      {
        "rate": 5,
        "cases": [
          {
            "depositManwon": 30000,
            "assumedAnnualRate": 5,
            "monthlyRentManwon": 0,
            "managementManwon": 15,
            "monthlyInterestManwon": 125,
            "monthlyTotalManwon": 140
          },
          {
            "depositManwon": 10000,
            "assumedAnnualRate": 5,
            "monthlyRentManwon": 80,
            "managementManwon": 20,
            "monthlyInterestManwon": 41.666666666666664,
            "monthlyTotalManwon": 141.66666666666666
          }
        ]
      },
      {
        "rate": 6,
        "cases": [
          {
            "depositManwon": 30000,
            "assumedAnnualRate": 6,
            "monthlyRentManwon": 0,
            "managementManwon": 15,
            "monthlyInterestManwon": 150,
            "monthlyTotalManwon": 165
          },
          {
            "depositManwon": 10000,
            "assumedAnnualRate": 6,
            "monthlyRentManwon": 80,
            "managementManwon": 20,
            "monthlyInterestManwon": 50,
            "monthlyTotalManwon": 150
          }
        ]
      }
    ],
    "breakEvenAnnualRate": 5.1
  },
  "eunma": {
    "assumption": "이미 임시주거로 옮긴 가상 가구. 보증금 1억5천만원 전액 차입·연4% 단순이자·월세150만원. 관리비·이사비·원금상환·세금 제외.",
    "monthlyInterestManwon": 50,
    "monthlyRentManwon": 150,
    "delays": [
      {
        "additionalMonths": 12,
        "additionalCostManwon": 2400
      },
      {
        "additionalMonths": 24,
        "additionalCostManwon": 4800
      },
      {
        "additionalMonths": 36,
        "additionalCostManwon": 7200
      }
    ]
  }
}