Korea 6·27 Mortgage Limit Checker
Enter house price, region, homes owned, and first-time status to see your estimated loan limit and any rule violations under the June 27 measures.
📝 Your Situation
Purchase price (100M won)
Neither spouse has owned a home
Combined pre-tax (10K won, for DSR)
Outstanding mortgage balance (10K won)
Criteria sources
- 🏛️ 6·27 measures: FSC 'Household Debt Management Plan' (2025-06-27)
- 📊 LTV & occupancy duty: banking supervision rules / 6·27 implementation
- 📉 Stress DSR phase 3: FSC/FSS (effective 2025-07)
※ All results are reference estimates; actual loan amounts depend on the lender's review. Verified 2026-07-06.
Result
Loan available
New purchase mortgage allowed under 6·27
Estimated maximum loan
5억 6,000만원
Applied LTV
70%
LTV-based amount
5억 6,000만원
📉 Before vs After 6·27
Before 6·27
6억 4,000만원
After 6·27
5억 6,000만원
Reduction −8,000만원
✅ Rule-violation checklist
- 🏠Occupancy duty — must move in within 6 months of transfer/contract↳ Violation: immediate loan recall + 3-year mortgage ban
- 🔒Gap-investment block — jeonse loans conditioned on title transfer are banned
DSR note (separate review)
The actual limit may be lower depending on stress DSR, rate, and term. Your final limit is the lower of the 600M cap and DSR.
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