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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#LTV 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%.