LTV vs DTI vs DSR in Korea: Which One Actually Sets Your Limit
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.
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#대출한도 3 posts
Korea's Stage-3 Stress DSR: What 1.5%p Cuts From Your Limit
Under stage-3 stress DSR, banks size a Seoul-area mortgage using the actual rate plus 1.50 percentage points. At a 60 million won income, 30-year term and 4% rate, the limit falls from 419 million to 352 million won.
Why Loan Limits Shrink After the Stress DSR
With Seoul transactions significantly reduced and wait-and-see sentiment deepening after the capital gains surcharge, this post examines the stress DSR — the core axis of lending regulation. Understanding how the numbers work is what allows end-buyers to estimate their own borrowing capacity.