My initial search for “common mistakes when using homebuyer loan interest calculators” in Korean provided good foundational information. I found articles discussing the importance of accurate calculations for financial planning, especially with “이자후불제” (post-payment interest) systems. They highlight that many people underestimate the final interest amount. Some search results also provided downloadable Excel calculators and explained the basic principles of how interest accrues in stages.
However, the initial search results didn’t explicitly list a “Top 3” mistakes. They focused more on the “why” accurate calculation is important rather than the specific “how” people misuse the calculators.
To fulfill the user’s request for a “TOP 3 실수 (Top 3 Mistakes)” structure, I need to synthesize common errors from the existing information and potentially conduct more targeted searches. The current results hint at mistakes like:
1. Not understanding the interest calculation period for each installment loan.
2. Incorrectly applying the interest rate (e.g., using a monthly rate instead of an annual rate, or not accounting for variable rates).
3. Misunderstanding “이자후불제” (post-payment interest) and thinking it’s “무이자” (interest-free).
I will now refine my approach to confirm these as the top mistakes and gather more detailed explanations for each. I will also search for information regarding the difference and selection criteria between variable and fixed interest rates, as this is a crucial factor in the calculation and a likely source of error. I will also look for details on how COFIX and add-on rates (가산금리) work, as this is key to understanding variable rates. This will enable me to write the in-depth “상세 설명” section incorporating the LSI keywords naturally.