Calculators
Calculator controls and specialist explanations below are in Korean. Results are estimates based on your inputs. Review the conditions and sources before signing.
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Mortgage limit calculator
Calculated from your conditions
Loan limit for your circumstances
The lowest limit from LTV, price-based caps, DSR and DTI is used. Applies to standard household loans for home purchase.
₩500,000,000
Capital-region and regulated-area status are separate. Check designation at acquisition.
₩60,000,000
Combine co-borrower income only where the lender accepts it.
0 KRW
Enter annual payments recognised in the lender's DSR assessment, including unsecured loans and mortgages.
Existing debt, rate type and lender details
0 KRW
0 KRW
Enter the annual burden used for DTI, including existing mortgage payments and other loan interest.
0 KRW
Lender deductions such as senior liens and rental deposits. Avoid double counting.
0 KRW
Zero means no separate limit has been confirmed. Enter a limit if obtained in consultation.
Estimated regulatory limit
300,615,135 KRW
3억 61만 5,135 KRW
Estimated monthly principal and interest
1,435,183 KRW
Binding limit
DSR / affordability
LTV 70%
₩350,000,000
Home value / bank cap
₩600,000,000
DSR 40%
3억 61만 5,136 KRW
DTI 60%
6억 2,838만 3,721 KRW
Assessment surcharge 3 percentage points · term used 30 years · equal principal and interest payments
Assumptions and checks
- Check the six-month move-in rule, disposal commitments for existing owners, regulated status and land transaction permits.
- Price uses lender-recognised market / collateral value. Small-tenant deposit deductions, guarantees, bank limits and credit assessment may change the result.
First-home standard and policy loans have different limits
| Category | LTV | Maximum limit |
|---|---|---|
| Standard mortgage · first home | Capital / regulated areas 70%; other areas 80% | KRW 600m; capital / regulated areas: 600m, 400m or 200m by home value |
| Didimdol · first home | Standard 80%; capital / regulated areas 70% | KRW 240m (standard 200m; newlyweds / two children, etc. 320m) |
| Bogeumjari loan · first home | Up to 80%; capital / regulated areas 70% | KRW 420 million |
Policy loans have separate home-value, income, asset, household and guarantee criteria. This result is not a policy-loan approval. Confirm the first-home exceptions and youth future-income guidance effective 2026-08-31 through lender assessment. Planned 2027 rules are not applied here.
Check Korea Housing Finance Corporation eligibilityRules reviewed 2026-09-08 · Estimate based on selected conditions. Legislative changes are not guaranteed to update in real time.
Policy, business and group loans follow separate rules. Final lending limits are determined by the lender.
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