Regulated-Area 40% Collateral Scenario
Use the 40% preset to examine the cash implications of a collateral ratio. The page’s region list or recency wording cannot by itself establish a property’s current regulated-area designation.
- Runs in your browser
- Nothing is uploaded
- No signup; device limits apply
Loading the tool. If it does not appear, reload this page.
How to use this tool
Enter home value and prior secured debt in KRW. For a desired-loan calculation change direction, and confirm the preset remains at 40% before interpreting the reverse result.
Results and examples
Ratio room is 40% of value minus prior debt, floored at zero. A smaller selected amount cap lowers the final loan, while required cash is value minus that final amount.
Worked example
A KRW 1 billion home with KRW 100 million prior debt leaves KRW 300 million at a 40% ratio.
Limitations
- Current 40% eligibility, regional scope and transitional rules need primary-source verification.
- The June 2025 source’s historical 50% rule does not validate the current 40% preset.
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 the tool check an address?
No. There is no address-based designation lookup.
Does required cash include taxes?
No. It is only value minus the calculated loan.
Related tools
You do not need to start over. Continue with the tool that fits your next step.
