DSR 계산기 - 주택담보대출 한도 계산

Buying a Home: Start by Checking How Much You Can Get as a Loan.

The Mortgage Loan Limit Calculator is a professional-grade calculator created by active loan consultants for direct practical use. You can check your estimated limit in advance and plan your finances before consulting with a bank.

■ Key Features

- LTV (Loan-to-Value) Limit Calculation: Calculates the loan limit by reflecting housing prices and regional regulations (Speculative Overheating Zones, Adjustment Target Areas, and Non-regulated Areas).

- DSR (Debt Service Ratio) Limit Calculation: Calculates the actual limit you can receive by reflecting your annual income and existing debt.

- DTI (Debt-to-Income) Calculation: Checks DTI regulatory standards by region.

- Automatically determines and displays the final applicable limit among the three criteria.

■ Practical, Precise Calculation

- Reflection of Existing Debt: Accurately applies DSR calculation standards for 15 standard debt types, including credit loans, overdrafts, Jeonse (lease deposit) loans, and auto installment plans. - You can freely adjust interest rates and maturity conditions to perform simulations.

- Automatic calculation of monthly repayment amounts (equal principal and interest, equal principal, lump sum at maturity).

■ Convenient Usage

- You can save calculation results as a PDF to share with family or consultants.

- Immediate use without registration. The information you enter is not stored on the server.

■ Recommended for:

- Those preparing to buy a home and curious about their loan eligibility

- Those planning to move or refinance and needing financial planning

- Those who want to check how loan limits change due to shifts in regulated areas

- Real estate and financial professionals requiring quick limit calculations for customer consultations

■ Notice

The calculation results in this app are for reference only and are simulations. Actual loan limits and interest rates may vary depending on the financial institution's screening criteria, creditworthiness, and product conditions. Please confirm your exact limit through consultation with a financial institution.

Inquiries: sanso0404@gmail.com