Acquiring a completed home through an ipjugwon (redevelopment membership right) carries a flat 2.8% acquisition tax regardless of how many homes you own. The same home via a bunyangkwon can reach 8%.
Korea's prepayment fee is set by principal repaid × rate × (days remaining ÷ loan term), and hits zero three years after drawdown. Here is what repaying 100 million won costs at each point, at the 0.55% rate for 2026 loans.
Of Korea's three mortgage ratios, DSR usually decides the number. Running one case through a 40% LTV, the KRW 600m price-band cap and a 40% DSR shows which gate closes first.
A single-home household pays no jongbuse (comprehensive real estate holding tax) below 1.2 billion won in assessed value, and only 60% of the excess enters the tax base. A 2bn-won home computes to 2.76 million won. Every step calculated.
The chaegwon-choegoaek on a Korean property register is a ceiling, not the loan balance. At the usual 120% setting, the principal is that figure divided by 1.2. On a 600 million won home with a 120 million won ceiling, the safe deposit line works out to 300 million.
Whether an officetel counts toward your housing tally depends on which tax is asking. Acquisition tax counts only units bought after August 12, 2020; capital gains tax counts any unit actually lived in; housing subscription counts none of them.
Owner contributions in Korea's first-generation new-town rebuilds hinge on two numbers: how far the floor area ratio is raised, and how public contribution charges are calculated. Bundang's rises 142 points.
Korea's Didimdol loan covers households up to 60 million won of combined income and a 500 million won home; above that sits Bogeumjari. On the same 400M won home the limit splits 200M vs 280M, and 0.4pp of rate is 16.6M won of interest over 30 years.
From 27 February 2026, the cooperative consent threshold for garo (street-block) housing redevelopment fell from 80% to 75%. Blocks under 13,000㎡ skip safety diagnosis entirely.
Gukmin jutaek (public housing) ranks applicants by deposit count; minyeong jutaek (private housing) by total account balance. Running three saving patterns through both sets of rules shows where the same account qualifies for one and fails the other.