Real Estate & Tax · 🇰🇷 Korea
Korean Jeonse Loan Limit Comparator
Compare Korean jeonse loan limits across HF, SGI, HUG, and Beotimmok with income, region, and age inputs.
About this tool
Korean Jeonse Loan Limit Comparator (jeondae) puts HF (Housing Finance Corp), SGI (Seoul Guarantee Insurance), HUG (Housing & Urban Guarantee), and the MOLIT Beotimmok fund side-by-side. Enter combined household income, deposit, housing type, region, ownership status, and youth / newlywed / child flags. The tool computes (1) HF limit (₩220M, with sale-price caps for 1-home), (2) SGI no-absolute-cap with strong apartment / large-deposit support, (3) HUG’s combined deposit-insurance loan, and (4) Beotimmok policy rates (regular / youth / newlywed) and produces the effective rate including DSR 40%, the +1.5pp Stress DSR surcharge for capital-region jeonse, and guarantee fees. A 30-year total-cost figure surfaces the top pick clearly.
Use cases
Scenario 1
Newlyweds’ first jeonse
Newlyweds with combined ₩70M income looking at a ₩400M capital-region apartment compare all four institutions’ limits and effective rates to pick the best youth / newlywed package.
Scenario 2
1-home jeonse top-up
A family with one home in Seoul moving for school district sees the HF / SGI branching and the 1-home sale-price-cap rule immediately.
Scenario 3
Youth Beotimmok eligibility
A 30-year-old early-career renter checks deposit / income eligibility for the 1.5%-class Youth Beotimmok and simulates topping up with HF if the limit isn’t enough.
Scenario 4
Stress DSR surcharge impact
See at a glance how the Stress DSR Phase-3 +1.5pp surcharge for capital-region jeonse affects both the limit and the effective rate.
Features
- Side-by-side limits + rates across HF / SGI / HUG / Beotimmok
- Auto-apply youth / newlywed / multi-child preferences
- DSR 40% cross-check (jeonse loans are subject too)
- +1.5pp Stress DSR Phase-3 surcharge for capital-region jeonse
- HUG product highlights combined deposit-insurance loan
- Auto branching of 1-home eligibility (HF vs SGI)
- Effective rate incl. guarantee fees + 30-year total cost
Frequently asked
- Q. Does DSR apply to jeonse loans?
- A. Yes — since 2022 part of jeonse loan principal+interest counts toward DSR. The tool auto-checks the 40% cap including existing loans.
- Q. Can I combine Beotimmok with HF?
- A. Only one institution per deposit. If the primary limit is insufficient, the residual can be supplemented via SGI or a regular jeonse loan.
- Q. What’s the upside of HUG’s product?
- A. It bundles the loan with HUG’s deposit-return guarantee — HUG repays you if the deposit isn’t returned. Especially valuable for higher-risk listings like new-build villas.
- Q. How is the effective rate computed?
- A. Loan rate + guarantee fee (0.05–0.30% pa) + surcharges (Stress DSR etc.) annualized. The tool keeps these updated against the latest disclosure.
Sources / references
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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.