Jeonse Loan Limit Calculator

Jeonse Loan Limit Calculator helps estimate Korea-related mortgage, jeonse loan, policy loan, or reverse-mortgage assumptions in English.

Jeonse loan limit calculator

Uses the Korean government and bank jeonse-loan model for Beotimmok-style products, youth, newlywed, SME-youth, HUG, SGI, HF, DSR, product limits, preferential rates, and costs.

Korean source inputs

Eligibility

Eligible

3 government programs available.

Final loan limit

₩160,000,000

collateral limits this case.

Self funds

₩40,000,000

Deposit minus final loan limit.

Final rate

1.8%

Base 1.8%, discounts 0%p.

Monthly interest

₩240,000

Initial cost ₩139,000.

Guarantee options

3

HUG, SGI, and HF comparison from the source function.

This English calculator calls the same pure Korean calculation function used by the Korean page. Inputs and labels are translated; the formula is not replaced by a generic stub.

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Jeonse loan limit calculator

This guide follows the Korean jeonse loan limit calculator for government-supported and bank products.

Government product caps

The Korean source includes general Beotimmok-style jeonse loan, youth product, newlywed product, and SME youth product. Income caps are KRW 50 million for general, youth, and SME youth, and KRW 60 million for newlywed in the source constants.

The net-asset cap is KRW 361 million. Deposit caps are KRW 300 million in the capital region and KRW 200 million outside for the government products shown here, while product loan caps differ by program.

Guarantee institutions

The calculator compares HUG, SGI, and HF guarantee limits. HUG and HF use 80 percent guarantee ratio with capital-region maximum guarantee deposit KRW 700 million and non-capital maximum KRW 500 million in the source constants.

SGI uses a 90 percent guarantee ratio and a higher fee rate, but it has no income limit in the guarantee comparison. The final loan limit can be constrained by collateral ratio, guarantee limit, DSR, or product limit.

Rates and costs

Government rates in the source are income-band based: general 1.8 to 2.4 percent, youth 1.5 to 2.1 percent, newlywed 1.5 to 2.1 percent, and SME youth 1.2 percent. Bank loans use a default 3.8 percent with DSR review.

Preferential rate items include electronic contract 0.1 percentage point, two-child 0.3 percentage point, three-or-more children 0.5 percentage point, and disability 0.2 percentage point. Stamp duty is also included in initial cost.