LTV Mortgage Calculator
Calculate Korean mortgage loan limits (LTV/DTI/DSR) from home price, region, and income. Automatically applies speculative zone and first-time buyer ratios.
This calculator is for reference only and may differ from actual amounts due to law changes or individual circumstances. Please consult a licensed professional (tax accountant, labor attorney, etc.) for accurate calculations.
Max Loan Amount
β
LTV
β
DTI
β
Est. Monthly Payment
β
Notice: Based on 2026 Korean mortgage regulations. Actual loan limits may differ by bank and individual credit rating. DTI/DSR income verification is required at application.
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Frequently Asked Questions
Q. How do I check if an area is a speculative zone?
Search your address at the Ministry of Land, Infrastructure and Transport's real transaction system (rt.molit.go.kr) or Toji-eum (eum.go.kr) to check zoning status.
Q. Does the first-time buyer LTV benefit apply automatically?
No. Combined household income must be under β©90M and home price under β©900M. If either spouse previously owned a home, it does not apply.
Q. How is the DSR 40% limit calculated?
(New annual principal+interest + all existing loan payments) Γ· annual income Γ 100 must be β€40%. Student loans and auto installments are included.
Q. What is LTV?
LTV (Loan-to-Value) is the ratio of loan to collateral value. A β©300M loan on a β©500M apartment = 60% LTV. Lower LTV improves bank approval odds.
Q. Do LTV limits differ by region?
Yes. Speculative zones: LTV 40%, adjustment-required zones: 50%, non-regulated areas: up to 70%. First-time buyers receive preferential limits.
Q. What is the difference between DSR and LTV?
LTV is collateral-to-loan ratio; DSR (Total Debt Service Ratio) is income-to-all-loan-payments ratio. Both must be satisfied to obtain a mortgage.
How to Use
Input the actual transaction price or official assessed value of the apartment you are buying or own.
Choose: Speculative Overheating Zone, Adjustment-Required Zone, or Non-Regulated Area.
Enter annual income and current monthly debt payments to calculate DTI/DSR limits.
Input desired interest rate (%) and loan term (years) to calculate monthly payment automatically.
Expert Knowledge: LTV Mortgage Calculator
LTV (Loan-to-Value) measures loan amount as a percentage of property value. In speculative overheating zones, homes under β©900M have 50% LTV; the amount above β©900M is capped at 40%. First-time buyers meeting income and price thresholds can receive a +10% LTV boost, reaching up to 60β70%.
DTI (Debt-to-Income) caps annual principal-plus-interest repayments relative to annual income: 40% in speculative zones, 50% in adjustment-required zones. If existing loans already approach this limit, new mortgage eligibility shrinks significantly.
DSR (Debt Service Ratio), tightened in 2022, requires that ALL financial institution loan repayments combined do not exceed 40% of annual income (bank-tier) or 50% (non-bank). Practically, high-income earners are the only ones who can comfortably borrow on properties over β©900M.
The Stress DSR regime β adding a 0.75β1.5% stress buffer on top of the actual interest rate for qualification purposes β has further reduced real borrowing limits since 2024β2026. Always calculate your maximum loan amount before committing to a purchase price, as overlooking DSR limits can leave buyers unable to close transactions.
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