Loan Limit Simulator Calculator

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

Loan limit simulator

Uses the Korean LTV, DTI, DSR, stress-DSR, recognized-income, debt-service, and financial-sector comparison model.

Korean source inputs

Max loan

₩325,700,000

DSR is the binding constraint.

Self funds

₩174,300,000

House price minus max loan.

Monthly payment

₩1,510,000

Total interest ₩217,900,000.

LTV limit

₩350,000,000

수도권 비규제지역 일반 LTV 70%

DSR stress rate

4.6%

Stress DSR limit ₩325,700,000.

Available sectors

4

Bank, savings bank, insurance, and policy products compared.

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.

Related calculators

Loan limit simulator

This English guide follows the Korean LTV, DTI, DSR, and stress-DSR mortgage limit simulator.

Three constraints

The Korean simulator calculates LTV, DTI, and DSR limits and chooses the smallest as the maximum loan amount. The binding constraint is shown because it tells whether price, income, or existing debt is the practical blocker.

The 2026 LTV table includes speculation area 40 percent normal, 60 percent first-home or newlywed, and 0 percent multi-home; overheated or regulated areas 50 percent normal and 60 percent preferential; capital non-regulated and local areas 70 percent normal and 80 percent first-home or newlywed.

Income and stress DSR

Recognized income depends on income type. Salary and business income use 100 percent, freelancer income uses 75 percent, and mixed income uses 90 percent in the source constants.

The Korean model applies stress DSR stage 2 with a 0.75 percentage point add-on from 2024-09-01. Bank DSR is 40 percent, savings-bank DSR is 50 percent, insurance DSR is 40 percent, and policy finance uses a 60 percent policy threshold in the comparison.

Sector comparison

The source compares bank, savings bank, insurance, and policy finance sectors using their default rates, LTV adjustments, and DSR limits. Policy finance can be blocked when recognized income exceeds KRW 70 million.

Existing mortgage, credit-loan, and other debt payments reduce the DSR limit. Raising loan term can help monthly capacity, but it increases total interest, so the final answer should be read with the monthly payment and total-interest outputs.