First-Home LTV Comparison in a Regulated Area
Inspect the arithmetic difference between a first-home preset and a comparison ratio. When an amount cap binds, a higher ratio may not translate into the same increase in actual available funds.
- 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
Set home value, prior debt and the preset. Both comparisons use the same value and selected cap, so avoid comparing one result with the checkbox on against another with it off.
Results and examples
Both ratio amounts pass through prior-debt subtraction and the chosen cap before the difference is shown. This does not establish first-buyer status or a guaranteed preferential loan benefit.
Worked example
At KRW 800 million without prior debt, 70% gives KRW 560 million and a 40% comparison gives KRW 320 million before any binding cap.
Limitations
- Current first-buyer eligibility, designations and price-band limits require review.
- Reverse values for a desired loan above the cap do not guarantee an executable loan.
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 percentage gap always increase borrowing?
A binding cap can reduce or eliminate the amount difference.
Does this verify first-time-buyer status?
No. Confirm product eligibility with the lender.
Related tools
You do not need to start over. Continue with the tool that fits your next step.
