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.
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.