Enter your annual income, existing debt payments, and your new loan's interest rate and term to estimate your maximum loan amount under Korea's DSR and DTI lending limits.
Enter your annual income and your new loan's rate and term to estimate your loan limit.
This calculator simplifies Korea's DSR (Debt Service Ratio = total annual debt principal-and-interest payments ÷ annual income) and DTI (Debt to Income = (new mortgage principal-and-interest payment + other debts' interest-only payment) ÷ annual income) formulas, assuming the new loan uses equal principal-and-interest repayment, and works backward from your entered DSR/DTI limits (%) to estimate the maximum principal-and-interest payment you could afford — and from that, the loan amount. Actual DSR/DTI ratios and calculation methods vary by lender, loan product, and whether the property is in a regulated speculation/adjustment area; other debts such as credit loans, card loans, and overdraft accounts may also be included, and stress DSR add-on rates may apply — none of which are reflected here. For your actual loan limit, please consult a lender's credit review. This is not financial advice.
Korean lenders cap how much they'll loan you based on debt-related ratios of your income — DSR (Debt Service Ratio) considers your total annual debt payments (principal plus interest on all loans) against your income, while DTI (Debt To Income) considers only interest payments on other debts alongside the new loan's principal and interest, making DSR generally the stricter of the two. This tool estimates your maximum loan amount under both ratios, using whichever produces the lower (more conservative) limit as your effective borrowing cap.
Both calculations work backward from your ratio cap: the tool first determines your maximum allowed total annual debt payment (income × ratio limit), subtracts your existing debt payments (or interest-only portion for DTI) to find how much annual payment capacity remains for the new loan, then converts that payment capacity into a loan principal using standard equal-payment loan amortization math based on your entered interest rate and loan term. The two resulting limits (from DSR and DTI) are compared, and the lower amount becomes your effective estimated borrowing limit, since a loan must satisfy both regulatory ratios simultaneously.