Korean LTV / DTI / DSR Loan Limit Calculator
Calculate your maximum mortgage under Korea's LTV, DTI, and DSR lending caps
Enter your property value, annual income, and existing debt payments, and this calculator instantly shows the maximum loan allowed under each of Korea's three mortgage regulations — LTV, DTI, and DSR — plus the final amount you could actually borrow. It's built for homebuyers and refinancers in Korea who want a rough figure before sitting down with a bank. Every amount you enter is calculated in your browser and never sent to a server.
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How to use
- Enter the appraised property value and your annual income in Korean won.
- Enter the loan amount you're hoping for, plus the annual principal-and-interest and annual interest payments on your existing debts.
- Select the interest rate and term for the new loan, along with the LTV/DTI/DSR caps that apply to you.
- Check the maximum loan under each of the three regulations, see whether your target amount clears them, and copy the results.
FAQ
- What do LTV, DTI, and DSR actually mean?
- LTV (loan-to-value) is the loan as a share of the property price. DTI (debt-to-income) compares your new mortgage payments plus interest on other debts against your annual income. DSR (debt service ratio) compares the annual principal and interest on all of your loans against your annual income. Whichever of the three yields the lowest cap becomes your real borrowing limit.
- Why might the result differ from the bank's decision?
- This tool applies the general regulatory formulas as a reference only. Actual underwriting depends on each bank's internal policy, your credit score, regional lending restrictions, and whether policy-backed funding is involved.
- Why are payments on other loans treated differently under DTI and DSR?
- DTI counts only the interest on your other debts, while DSR counts the full principal-and-interest payments on all of them. That makes DSR the stricter of the two limits.