LTV measures against property value, DTI against mortgage principal and interest, DSR against all loan payments — the actual limit is whichever of the three is smallest. Adding Stress DSR cuts the limit by about 16%.
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The answer depends on the tax type. For subscription purposes it is not included; for acquisition tax, units acquired after August 12, 2020 are included; for capital gains tax, actual use determines the count.
The monthly recognized contribution for housing subscription accounts rose to 250,000 KRW in November 2024. Based on the 14.93 million KRW average winning balance for public housing pre-applications, here is the gap in time-to-target between depositing 100,000 KRW and 250,000 KRW per month.
The registry certificate is the first line of defense for your jeonse deposit. What to check in the Title, Section A, and Section B, how to read red flags like seizure, trust registration, and mortgage liens, and how to calculate total senior claims — based on HUG and KB guidance.
The claim that good school districts drive up home prices is familiar, but narrowing that connection to numbers is harder than it sounds. With tax changes and wait-and-see sentiment converging, this post examines the school district premium as a data question, not a feeling.
Seoul has signaled a supply of 310,000 units by 2031, but a long lag exists between plan and actual move-ins, during which the jeonse market moves on its own. Layering Yongsan redevelopment momentum and the post-surcharge transaction decline clarifies the path from supply to jeonse price impact.
The monthly recognized contribution for housing subscription accounts rose to 250,000 KRW in November 2024. Based on the 14.93 million KRW average winning balance for public housing pre-applications, here is the gap in time-to-target between depositing 100,000 KRW and 250,000 KRW per month.
The 84-point cheongyak scoring structure looks simple, but application errors are common. The homelessness period start date, dependent count, and subscription account tenure are where most mistakes occur. A single error can turn a winning ballot into disqualification.
Yongsan redevelopment and Seoul's 2031 supply plan are converging in H2 2026. Yet transactions fell after the capital gains surcharge, wait-and-see sentiment deepened, and prosecutors are cracking down on speculation. This post lays out criteria for evaluating a cheongyak application.