Unregulated-Area 70% Collateral Worksheet
Calculate additional ratio room after existing secured debt at 70%. The unregulated-area name does not mean lending rules are absent; capital-region amount restrictions may apply separately.
- Runs in your browser
- Nothing is uploaded
- No signup; device limits apply
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How to use this tool
Enter value or desired borrowing and prior debt. A preset change can also change the cap checkbox, so inspect its state rather than assuming the tool identified the property’s region automatically.
Results and examples
The final amount is the smaller of ratio room and the selected cap. Effective LTV is final amount divided by value, so prior debt or a cap can bring it below 70%.
Worked example
A KRW 500 million home with KRW 50 million prior debt gives KRW 300 million additional room and a 60% effective ratio.
Limitations
- Current designations, borrower exceptions and capital-region restrictions are not checked.
- Purchase, living-expense and business-purpose distinctions are not modelled.
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 unregulated mean no amount cap?
Not necessarily; location and loan purpose still matter.
Why is effective LTV below 70%?
Prior debt subtraction or an amount cap can reduce it.
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