Capital-Region First-Home 70% LTV Scenario
Explore the preset named for first-time buyers in Korea’s capital region. The FSC June 2025 source explains that historical change, but does not establish every current regional, borrower and price-band rule.
- Runs in your browser
- Nothing is uploaded
- No signup; device limits apply
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How to use this tool
Choose home value or desired-loan direction and enter prior secured debt in KRW. Record the selected preset and cap checkbox because changing either alters restrictions beyond the ratio itself.
Results and examples
The worksheet subtracts prior debt from 70% of value and applies the selected cap. Reverse-calculated value may still fail to support the desired loan because of that cap; it is not purchase eligibility.
Worked example
A KRW 800 million value with no prior debt gives KRW 560 million by ratio, below a KRW 600 million cap.
Limitations
- First-buyer eligibility, move-in duties, designations and current price-band caps need review.
- DSR, appraisal, tenant deductions and lender restrictions are excluded.
Fields
| Field | Guidance and constraints |
|---|---|
| Home value → available loan | Check the unit and format displayed beside this field. |
| Desired loan → required home value | Check the unit and format displayed beside this field. |
| Home market or collateral value (KRW) | Check the unit and format displayed beside this field. |
| Desired loan amount (KRW) | Check the unit and format displayed beside this field. |
| Senior or existing secured loan (KRW; 0 if none) | Check the unit and format displayed beside this field. |
Data handling
Processing stays in the current browser tab; the site does not upload tool input for the calculation itself.
Sources
Frequently asked questions
Does 70% guarantee that loan?
No. Amount caps and income underwriting also matter.
Is reverse-calculated value an approval condition?
No. It is ratio algebra and must be read with cap warnings.
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