Korea DSR calculator 2026 — stress DSR mortgage limit
Same engine as the Korean page. Stress add-ons for 2026-07-01~12-31 from Korea Federation of Banks. Not a bank commitment.
H2 2026 stress rate add-ons
| Case (2026-07-01 ~ 12-31) | Floating | Mixed (fixed <30%) | Fixed (cycle ≥5y, <30%) |
|---|---|---|---|
| Metro / regulated mortgage | +3.00pp | +2.40pp | +1.20pp |
| Local non-regulated mortgage (stage 2) | +0.75pp | +0.45pp | +0.225pp |
Source: Korea Federation of Banks stress rate notice and H2 2026 operating plan (checked 2026-10-16). Longer fixed periods get smaller add-ons — the table shows the <30% band.
DSR vs stress DSR
- DSR: annual principal + interest on all household loans ÷ annual income
- Stress DSR: the new mortgage payment is recomputed at contract rate + stress add-on before it enters DSR. It lowers the limit to buffer future rate rises; your actual rate does not change.
- Bank mortgage limits are typically DSR 40%. Real limits vary with income recognition, credit, and product.
How the limit is calculated
- Stress rate = contract rate + add-on for your region and loan type
- Max new annual payment = income × target DSR − existing annual debt service
- DSR cap = largest equal-payment loan at the stress rate and term that fits that payment
- Binding limit = smaller of DSR cap and collateral × LTV
확인일 2026-10-16. 스트레스금리 적용기간 2026.7.1~12.31(은행연합회 2026.6.30 산정). 기본 스트레스금리 1.50%. 수도권·규제지역 변동형 주담대 +3.0%p, 지방 비규제 변동형 +0.75%p(2단계 50%×1.5%), 혼합·고정형은 은행연합회 표의 <30% 구간 값. DSR 한도 기본 40%(은행권 주담대 통상). LTV는 입력한 담보가×비율. 미반영: 은행별 소득 산정, 신용대출 스트레스 별도, 중도금·이주비 예외, 전세대출 DSR, 차주·상품별 예외. 결과는 참고용이며 실제 한도는 은행 심사 기준. — 출처: 은행연합회 스트레스금리 공시, 은행연합회 26년 하반기 스트레스 DSR 운영방안, 금융위원회 스트레스 DSR·주담대 관련 정책문답
FAQ
How much can I borrow at DSR 40%?
It depends on income, existing debt service, contract rate, term, and region (stress add-on). Set the desired loan to 0 above and the maximum loan at your target DSR appears immediately.
What is stress DSR?
Banks recompute the new mortgage payment at contract rate plus a published stress add-on (e.g. +3.0pp for metro floating loans in H2 2026) when checking the DSR limit. Your actual interest does not change.
Are credit loans included?
Enter existing household loan payments, including credit loans, in “Existing annual debt service”. The separate stress add-on for credit loans (e.g. +1.5pp when balance exceeds ₩100M) is simplified out of this tool.
Why do banks give different limits?
Income recognition (salary, business, imputed income), LTV/DSR exceptions, product add-ons, and internal caps differ. This result is a reference using the published stress table and equal-payment math.
How do I combine it with LTV?
Enter the collateral value and LTV %. The final limit shown is the smaller of the DSR limit and the LTV limit.
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