Credit Loan Limit Calculator

Estimate an unsecured loan limit from income, credit score tier, current debt, and DSR assumptions.

Credit loan inputs

Estimate an unsecured loan limit from income, current debt, score tier, and DSR.

Estimated limit

$70,000

Score tier and rate

Near prime / 8.4%

Payment at limit

$1,433

Requested loan gap

+$35,000

This is a planning estimate. Actual underwriting also uses employment history, collateral, bank policy, recent inquiries, and verified income.

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What is the credit loan limit calculator?

This calculator estimates how much additional unsecured credit loan a Korean borrower may obtain under 2026 DSR, income-cap, and stress-rate rules. It reflects the Korean page where credit loan limits are constrained by regulation, not just by an interest formula.

It distinguishes bank loans, second-tier and card loans, installment loans, bullet loans, and overdraft limits. Existing mortgage payments and already-approved minus-account limits are included because they consume DSR and income-cap space.

2026 regulatory structure

DSR and income cap

  • If total debt exceeds KRW 100,000,000, banks generally apply a 40% DSR limit and second-tier, card, and capital companies apply a 50% DSR limit.
  • Credit-loan totals are capped at 100% of annual income under the household-debt strengthening rule announced on June 27, 2025.
  • Example: annual income KRW 50,000,000 means total credit loans cannot exceed KRW 50,000,000 even if DSR would allow more.
  • Overdraft accounts use the full approved limit, not the used balance, and the regulatory maturity is 5 years.

Stress DSR stage 3

  • Stress DSR stage 3 began on July 1, 2025 in the Korean source schedule.
  • For DSR calculation only, a stress rate of +1.5 percentage points can be added to relevant household loans.
  • For credit loans, the stress-rate effect is especially relevant when aggregate credit loans exceed KRW 100,000,000.
  • Installment credit loans use the actual maturity up to 10 years, while bullet or one-time repayment credit loans are treated as 5-year maturity for regulatory DSR.

Calculation workflow and examples

Order of calculation

  • Annual allowed principal and interest = annual income x DSR limit.
  • Subtract existing annual debt service, including mortgage and other loan repayments.
  • Estimate the new credit-loan limit under the selected rate, repayment method, and regulatory maturity.
  • Final limit = the smaller of the DSR-based amount and annual income minus existing credit-loan total.

Practical cases

  • With annual income KRW 50,000,000, no existing debt, a bank DSR limit of 40%, a 4.7% rate, and 5-year installment repayment, DSR may allow about KRW 89,000,000, but the annual income cap makes the final limit KRW 50,000,000.
  • With annual income KRW 60,000,000 and an overdraft limit of KRW 30,000,000, additional credit-loan room is only KRW 30,000,000. Reducing the overdraft limit to KRW 10,000,000 can restore additional room to KRW 50,000,000.
  • With annual income KRW 70,000,000 and mortgage repayment KRW 1,500,000 per month, annual existing debt service is KRW 18,000,000, so a 40% bank DSR limit leaves only about KRW 44,000,000 of credit-loan capacity.
  • Score-band examples range from bank rates near 4.2% to 5.2% for high scores to card or capital-company rates near the 20% legal ceiling for very low scores.