Real Estate & Tax Β· π°π· Korea
Dual-Income DSR Calculator (Korea)
Compare solo, joint, and spouse-only mortgage limits under Koreaβs 2026 Stress DSR Phase 3.
About this tool
Dual-Income DSR Calculator is a free tool that compares Korean mortgage limits across three name-holding scenarios β solo, joint with spouse, or spouse-only β under the 2026 Stress DSR Phase 3 rules. Enter each spouse income (employment, business, rental, other) plus existing mortgage payments, credit-line balances, and negative-balance account limits, and the calculator auto-applies the stress add-on (+3.0%p for Seoul metro, +0.75%p for regional areas) and breaks out limits by repayment method (annuity, graduated, balloon). Toggle policy loans (Bogeumjari, Didimdol, special Bogeumjari) and the DSR cap rises to 50β60% automatically. The scenario with the largest available loan is highlighted with a recommended badge. All calculations run in your browser; income and debt details never leave your device.
Use cases
Scenario 1
Newlywed dual-income first home
A dual-income couple buying a β©600M Seoul apartment compares solo vs. joint application β joint often unlocks β©100M+ extra capacity.
Scenario 2
When spouse-only is the right call
When the primary borrower already carries heavy mortgage or credit-line debt, simulate spouse-only ownership to see whether the larger limit justifies acquisition-tax and gifting trade-offs.
Scenario 3
Effect of closing a credit line
See how closing a β©50M unused negative-balance account drops DSR by a few points and lifts the limit β just lower the input field.
Scenario 4
Policy loan vs. bank loan
Display caps from special Bogeumjari (DSR 60%) and a commercial bank (DSR 40%) at the same income to choose the better path.
Scenario 5
Freelancer or self-employed couple
Enter declared (reported) income for self-employed spouses to approximate what banks actually credit, and locate the largest joint-application limit.
Features
- Separate income input per spouse (employment / business / rental / other)
- Auto-applied 2026 Stress DSR Phase 3 add-on (Seoul +3.0%p / regional +0.75%p)
- Side-by-side limits for solo / joint / spouse-only scenarios
- Annuity / graduated / balloon repayment limits in one view
- Visualize how credit lines and negative-balance accounts move DSR
- Policy-loan toggle (Bogeumjari / Didimdol / Special) for DSR 50β60% caps
- Shareable URL + localStorage save (in-browser only)
Frequently asked
- Q. Does joint ownership automatically mean joint DSR?
- A. No. The bank only treats it as joint when both spouses sign as joint-and-several debtors. Mere co-ownership often defaults to single-borrower DSR. Confirm at the branch β rules differ between banks.
- Q. What is the exact 2026 Stress DSR Phase 3 add-on?
- A. As of 2026-04, +3.0%p in Seoul metro and +0.75%p in regional areas. Final figures and effective dates depend on FSC notices β check the latest release.
- Q. Do unused credit-line balances still count toward DSR?
- A. Yes. The DSR uses your set credit limit, not actual usage. Closing or reducing the line immediately lowers DSR.
- Q. How do I enter freelancer / self-employed income?
- A. Use the declared-income line on your Hometax tax return. Banks credit declared income, not gross revenue, so it usually undercounts what you feel you earn.
- Q. Can I sign a purchase contract relying on this result?
- A. No. This is a reference based on published formulas. Real limits depend on internal underwriting, credit score, and LTV β get formal pre-approvals from 2β3 banks before signing.
Sources / references
Related guides / blog posts
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How we run it / disclaimer
This tool is advisory and does not constitute legal, tax, medical, or financial advice. All calculations and document generation run in your browser; inputs are never sent to a server. Ads follow Google AdSense policy and are kept separate from tool accuracy.