Mortgage payment

Mortgage Payment Calculator

Start with a loan amount and estimate monthly payment, total interest, first and last payment, and +1pp rate sensitivity. Use the DSR/LTV calculator separately for income and home-price affordability.

Inputs

Money inputs use KRW 10k units. This calculator focuses on payment and interest from a loan amount.

Quick presets
Repayment type
Advanced options

Estimated payment result

This is a simplified estimate from your inputs. Actual lender review and final rates can differ.

Estimated monthly payment
KRW 1,432,246
Total interest
KRW 215,608,519
Total repayment
KRW 515,608,519
First-month payment
KRW 1,432,246
Last-month payment
KRW 1,432,246
Monthly change at rate +1pp
+KRW 178,219
KRW 1,610,465 / 5.0%

DSR reference

Enter income to show

-

Repayment schedule

First 12 months

1KRW 1,432,246
PrincipalKRW 432,246
InterestKRW 1,000,000
BalanceKRW 299,567,754
2KRW 1,432,246
PrincipalKRW 433,687
InterestKRW 998,559
BalanceKRW 299,134,067
3KRW 1,432,246
PrincipalKRW 435,132
InterestKRW 997,114
BalanceKRW 298,698,935
4KRW 1,432,246
PrincipalKRW 436,583
InterestKRW 995,663
BalanceKRW 298,262,352
5KRW 1,432,246
PrincipalKRW 438,038
InterestKRW 994,208
BalanceKRW 297,824,314
6KRW 1,432,246
PrincipalKRW 439,498
InterestKRW 992,748
BalanceKRW 297,384,816
7KRW 1,432,246
PrincipalKRW 440,963
InterestKRW 991,283
BalanceKRW 296,943,853
8KRW 1,432,246
PrincipalKRW 442,433
InterestKRW 989,813
BalanceKRW 296,501,420
9KRW 1,432,246
PrincipalKRW 443,908
InterestKRW 988,338
BalanceKRW 296,057,512
10KRW 1,432,246
PrincipalKRW 445,388
InterestKRW 986,858
BalanceKRW 295,612,125
11KRW 1,432,246
PrincipalKRW 446,872
InterestKRW 985,374
BalanceKRW 295,165,252
12KRW 1,432,246
PrincipalKRW 448,362
InterestKRW 983,884
BalanceKRW 294,716,891
View yearly summary
YearMonthsPaymentPrincipalInterestEnding balance
112KRW 17,186,951KRW 5,283,109KRW 11,903,841KRW 294,716,891
212KRW 17,186,951KRW 5,498,351KRW 11,688,599KRW 289,218,539
312KRW 17,186,951KRW 5,722,363KRW 11,464,588KRW 283,496,177
412KRW 17,186,951KRW 5,955,501KRW 11,231,450KRW 277,540,676
512KRW 17,186,951KRW 6,198,137KRW 10,988,814KRW 271,342,539
612KRW 17,186,951KRW 6,450,658KRW 10,736,292KRW 264,891,881
712KRW 17,186,951KRW 6,713,468KRW 10,473,482KRW 258,178,413
812KRW 17,186,951KRW 6,986,985KRW 10,199,965KRW 251,191,427
912KRW 17,186,951KRW 7,271,646KRW 9,915,305KRW 243,919,782
1012KRW 17,186,951KRW 7,567,904KRW 9,619,047KRW 236,351,878
1112KRW 17,186,951KRW 7,876,232KRW 9,310,719KRW 228,475,646
1212KRW 17,186,951KRW 8,197,122KRW 8,989,829KRW 220,278,524
1312KRW 17,186,951KRW 8,531,085KRW 8,655,865KRW 211,747,439
1412KRW 17,186,951KRW 8,878,655KRW 8,308,296KRW 202,868,784
1512KRW 17,186,951KRW 9,240,385KRW 7,946,566KRW 193,628,399
1612KRW 17,186,951KRW 9,616,852KRW 7,570,098KRW 184,011,546
1712KRW 17,186,951KRW 10,008,658KRW 7,178,293KRW 174,002,888
1812KRW 17,186,951KRW 10,416,426KRW 6,770,525KRW 163,586,462
1912KRW 17,186,951KRW 10,840,807KRW 6,346,143KRW 152,745,655
2012KRW 17,186,951KRW 11,282,479KRW 5,904,472KRW 141,463,177
2112KRW 17,186,951KRW 11,742,144KRW 5,444,807KRW 129,721,033
2212KRW 17,186,951KRW 12,220,537KRW 4,966,413KRW 117,500,495
2312KRW 17,186,951KRW 12,718,421KRW 4,468,530KRW 104,782,075
2412KRW 17,186,951KRW 13,236,589KRW 3,950,362KRW 91,545,486
2512KRW 17,186,951KRW 13,775,868KRW 3,411,083KRW 77,769,618
2612KRW 17,186,951KRW 14,337,118KRW 2,849,833KRW 63,432,500
2712KRW 17,186,951KRW 14,921,234KRW 2,265,716KRW 48,511,266
2812KRW 17,186,951KRW 15,529,148KRW 1,657,802KRW 32,982,118
2912KRW 17,186,951KRW 16,161,830KRW 1,025,121KRW 16,820,288
3012KRW 17,186,951KRW 16,820,288KRW 366,663KRW 0

Continue the purchase funnel

After checking the monthly payment, review affordability by income, home price, and cash on hand separately.

Check DSR/LTV affordabilityCheck cash with home buying budgetView Seoul Top 100View Magok Top 100

Next steps

Save this Mortgage payment calculator result and continue planning

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

View checklistDSR/LTV calculator

Get a free checklist/PDF

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

Important notice

This calculator is a planning estimate based on your inputs. Actual mortgage terms may vary by lender review, final rate, credit profile, recognized income, collateral value, regulated area, stress DSR, and guarantee conditions. The result does not guarantee approval or a borrowing amount.

share & cite

Share this calculator

Use the query-free canonical URL when citing this calculator from articles or communities.

Mortgage payment calculator FAQ

How is this different from the DSR/LTV calculator?

This calculator starts from a loan amount and estimates payment and interest. The DSR/LTV calculator starts from income, existing debt, home price, cash, LTV, and DSR assumptions to estimate affordability.

Which repayment method should I use?

Equal payment is easier for monthly cash-flow planning. Equal principal starts with a higher payment, declines over time, and usually produces lower total interest.

What does the +1pp rate result mean?

It keeps the loan amount, term, and repayment type unchanged and shows how the representative monthly payment changes if the annual rate rises by one percentage point.

Does this result guarantee mortgage approval?

No. Actual terms can differ by lender review, final rate, credit profile, recognized income, regulated area, stress DSR, collateral value, and guarantee conditions.

citation

How to cite this calculator

When referencing the method or examples, cite the canonical page with a simple HTML link.

HTML
<a href="https://www.finmaphub.com/en/tools/mortgage-loan-calculator">mortgage payment calculator</a>

Recommended anchor text

  • mortgage payment calculator
  • Korean apartment mortgage calculator
  • home loan payment calculator