2026 Korea Stress DSR Mortgage Limit Examples | Annual Income and Credit Loan Scenarios

<p dir="ltr">This reusable dataset provides illustrative mortgage-limit calculations for Korea under a 40% bank DSR assumption and a 30-year principal-and-interest amortization schedule.</p><p dir="ltr">The first CSV compares estimated mortgage capacity by annual income under assessment-rate scenarios of 4.0%, 4.75% and 7.0%. The second CSV shows how existing credit-loan debt service can reduce remaining mortgage capacity for an example borrower with annual income of KRW 80 million.</p><p dir="ltr">These figures are calculation examples for comparing DSR effects.

They are not a bank approval, loan quote, or individualized financial advice.</p><p dir="ltr">Methodology and original source page:<br><a href="" target="_new" rel="noopener">resimanor.com/housing-finance-dsr-data/</a></p><p dir="ltr">Official Korean policy source:<br><a href="" target="_new" rel="noopener">fsc.go.kr/po010101/85824</a></p><p dir="ltr">Reference date: 2026-09-18</p><p dir="ltr">The same version 1.0 dataset is preserved on Zenodo:<br><a href="" target="_new" rel="noopener">doi.org/10.5281/zenodo.22840870</a></p>