Korea Stress DSR Calculator

(new + existing annual loan payments) ÷ annual income, with a stress add-on rate on the new loan

Input

Annual income before tax (₩)

Existing loan payments per year (₩)

New loan amount (₩)

Loan rate (%)

Term (years)

Stress add-on (%p)H2 2026 (to Dec 31): 3.0%p for variable-rate mortgages in the Seoul area and regulated zones, 0.75%p elsewhere; hybrid and periodic-reset loans get only part. Ask the bank

DSR limit

Result

Legal basis (Korean law): 은행업감독규정, 금융위원회 스트레스 DSR 시행방안 · Values as of 2026-10-30

How it works

DSR = all annual loan payments ÷ annual income. The personal limit is 40% at banks and 50% at non-bank lenders.
Stress DSR adds a rate to the real rate when calculating payments, lowering the limit. Foreign residents are assessed the same way, using income documented in Korea.
Equal installments (원리금균등) keep the payment the same every month; equal principal (원금균등) starts higher and falls each month, with less total interest.
This is an estimate; LTV and bank rules also apply.

FAQ

What is DSR in Korea?

The share of your annual income that goes to all loan payments. Banks cap it at 40%.

What is the monthly payment on ₩300M over 30 years at 4%?

About ₩1.43M a month with equal installments; with equal principal it starts near ₩1.83M and falls to about ₩0.83M.

Input

Result

How it works

FAQ

What is DSR in Korea?

What is the monthly payment on ₩300M over 30 years at 4%?

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