What is the DSR rule for mortgages in South Korea?

Korea's Debt Service Ratio (DSR) rule limits total annual debt repayments (mortgage + all loans) to 40% of gross annual income for borrowers from regulated financial institutions.

What LTV limit applies to homes in regulated Seoul areas?

In speculative overheating zones in Korea, LTV is capped at 40–50% for properties under KRW 900m, and 20–30% for higher-value properties.

South Korea 주택담보대출 (Home Mortgage) Calculator

Calculate South Korean mortgage (주택담보대출) repayments and LTV compliance. Korea's DSR (Debt Service Ratio) rule caps annual debt repayments at 40% of income. LTV limits vary: regulated area properties above KRW 900m capped at 30% LTV.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Calculate South Korean mortgage (주택담보대출) repayments and LTV compliance. Korea's DSR (Debt Service Ratio) rule caps annual debt repayments at 40% of income. LTV limits vary: regulated area properties above KRW 900m capped at 30% LTV. Use the south korea mortgage result to inform your calculation.

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South Korea 주택담보대출 (Home Mortgage) Calculator

How to Use

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Frequently Asked Questions

What is the DSR rule for mortgages in South Korea?

What LTV limit applies to homes in regulated Seoul areas?