Home buying budget

Home Buying Budget Calculator

Check cash on hand, mortgage capacity, DSR, LTV, monthly payment, and a safer search range before comparing apartment rankings.

This is a planning estimate based on your inputs, not an automatic policy or lender approval result.

Inputs

Amounts are entered in KRW 10k units. LTV/DSR are user-entered assumptions only.

Quick search-intent presets

Load income, home price, cash, DSR, and LTV assumptions in one tap.

Verified sample presets

A-D are verified KRW sample inputs used by the test script.

Key result

Simplified estimate using equal principal-and-interest payments.

Open real estate dashboard
Final affordable price
KRW 432,314,920
DSR loan capacity
KRW 302,620,444
New monthly capacity
KRW 1,533,333
Monthly payment at final price
KRW 1,533,333
Safer search range
KRW 345,851,936 ~ KRW 389,083,428
80~90%
Main constraint
DSR constraint
Monthly payment capacity relative to income is the first limit.

Why this amount?

The final affordable price is the lower of the DSR-based price limit and the LTV/cash-based price limit.

Monthly payment capacity relative to income is limiting the result first. Try changing existing debt, term, income, or the target price.

Short items: DSR / LTV / Cash

Target home check

Based on the entered assumptions, the target price is difficult. Check the short items first.

Not possible
Target home price
KRW 600,000,000
Required loan
KRW 438,000,000
LTV max loan
KRW 420,000,000
Target monthly payment
KRW 2,219,282
Target DSR usage
51.8%
Required cash
KRW 198,000,000
Cash on hand
KRW 180,000,000
Cash gap/surplus
-KRW 18,000,000
Max shortfall: 30.9%
DSR checkFail
LTV checkFail
Cash checkFail

Check real transaction prices in this range

Your safer search range is KRW 345,851,936 ~ KRW 389,083,428. Compare transaction volume and price distribution in the real estate dashboard.

Open real estate dashboard

Related reading

DSR 40% income tableRate +1pp loan impactMortgage risk checklistFind homes with the dashboardApartment budgets with KRW 100M, 200M, or 300M cash

Next steps

Save this DSR/LTV calculator result and continue planning

Save a PDF, copy the result URL, then use a related guide and calculator to review the assumptions.

View checklistHome buying budget calculator

Get a free checklist/PDF

Download a home, salary, DCA, or retirement planning file without entering an email.

Sensitivity analysis

The same calculation core recalculates the result after changing rate, DSR, existing monthly debt, and LTV.

ScenarioDSR loan capacityFinal affordable priceMonthly payment at final priceSafer search rangeMain constraintTarget home decision
Rate -1%pKRW 341,465,644KRW 487,808,062KRW 1,533,333KRW 390,246,450 ~ KRW 439,027,256DSR constraintNot possible
Base rateKRW 302,620,444KRW 432,314,920KRW 1,533,333KRW 345,851,936 ~ KRW 389,083,428DSR constraintNot possible
Rate +1%pKRW 270,053,370KRW 385,790,529KRW 1,533,333KRW 308,632,423 ~ KRW 347,211,476DSR constraintNot possible
Rate +2%pKRW 242,589,923KRW 346,557,033KRW 1,533,333KRW 277,245,627 ~ KRW 311,901,330DSR constraintNot possible
DSR -5%pKRW 245,056,772KRW 350,081,103KRW 1,241,667KRW 280,064,883 ~ KRW 315,072,993DSR constraintNot possible
Base DSRKRW 302,620,444KRW 432,314,920KRW 1,533,333KRW 345,851,936 ~ KRW 389,083,428DSR constraintNot possible
DSR +5%pKRW 360,184,115KRW 514,548,736KRW 1,825,000KRW 411,638,989 ~ KRW 463,093,862DSR constraintNot possible
No existing monthly debtKRW 460,509,371KRW 545,454,545KRW 1,934,617KRW 436,363,636 ~ KRW 490,909,091LTV/cash constraintNot possible
Base existing debtKRW 302,620,444KRW 432,314,920KRW 1,533,333KRW 345,851,936 ~ KRW 389,083,428DSR constraintNot possible
Existing debt + KRW 500kKRW 203,939,864KRW 291,342,663KRW 1,033,333KRW 233,074,131 ~ KRW 262,208,397DSR constraintNot possible
LTV -10%pKRW 302,620,444KRW 418,604,651KRW 1,272,605KRW 334,883,721 ~ KRW 376,744,186LTV/cash constraintNot possible
Base LTVKRW 302,620,444KRW 432,314,920KRW 1,533,333KRW 345,851,936 ~ KRW 389,083,428DSR constraintNot possible
LTV +10%pKRW 302,620,444KRW 378,275,555KRW 1,533,333KRW 302,620,444 ~ KRW 340,447,999DSR constraintNot possible

Important disclaimer

This calculator is a simplified estimate based on user-entered LTV, DSR, rate, and loan term. Actual lending decisions may differ depending on lender review, income recognition, credit profile, existing debt, property type, location, regulation, and guarantee conditions.

  • - No automatic policy updates
  • - Uses the LTV/DSR values you enter
  • - Equal principal-and-interest monthly repayment only
  • - Actual review may vary by lender, credit profile, income recognition, collateral value, and local rules
  • - Even when DSR passes, living costs, maintenance fees, taxes, and emergency cash need separate review
  • - This is a pre-check tool, not a loan recommendation

How to read the result

A home-buying budget is not one number. Separate cash, borrowing capacity, monthly payment, and real transaction prices.

  1. Check cash surplus or shortage after closing costs and the cash you want to keep aside.
  2. Use the DSR/LTV calculator to retest borrowing capacity with income, debt, and target price.
  3. Once the loan amount is clear, use the mortgage payment calculator for monthly payment and total interest.
  4. Compare the safer search range with real transaction rankings and volume.

Six checks before comparing prices

Home price
Cash on hand
Annual income
Existing debt
Rate & term
DSR & LTV

Use the result with these pages

After calculating, refine borrowing capacity in the DSR/LTV calculator, check monthly payment in the mortgage calculator, and compare real transaction rankings.

Open DSR/LTV calculatorMortgage paymentSeoul Top 100Magok Top 100Gangnam 3 Top 100