Enter the appraised price, area, homes owned and first-time status to get the LTV cap and the maximum mortgage, after senior loans and tenant deposits.
Max loan = price × LTV cap − senior loans − tenant deposit. The cap depends on regulated area, homes owned and first-time status.
Regulated areas: 40% for non-owners / one-home sellers, 70% for first-time buyers; 70% in non-regulated areas; a separate ₩600M ceiling applies in the Seoul metro / regulated areas. Multi-home owners: 0% in regulated areas.
Even within the LTV cap, DSR above 40% blocks the loan. The lower of the two is your real limit.
All 25 districts of Seoul and 12 areas in Gyeonggi since the Oct 15, 2025 measures. Designations change — check MOLIT notices.
Banks also deduct the small-tenant priority amount and use their own price source. This is an upper-bound estimate.