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#DSR 2 posts

LTV, DTI, DSR — The Calculation Order That Determines Your Loan Limit

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%.

Policy & RatesJul 21, 20265 min

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.

Policy & RatesJul 19, 20265 min