#DSR

Real Estate·Apr 15, 2026

LTV vs DTI vs DSR: What Actually Decides Your Loan Limit in 2026

LTV, DTI and DSR look interchangeable, but in 2026 the DSR effectively decides Korean mortgage limits. Here's how the same house and the same income end up with very different numbers.

Real Estate·Apr 13, 2026

Is a 40% DSR Really Safe? Why Real Households Hit the Wall Earlier

A 40% DSR is the bank's lending ceiling, not a household safety line. Pressure rises sharply around 30%, and once rate and income shocks are added, the comfortable zone drops further.

Real Estate·Apr 9, 2026

Who Should Buy a Home Now vs. Who Absolutely Shouldn't (A Rate-Era Framework)

The real line between buyers who should proceed now and buyers who absolutely shouldn't is not market timing — it is personal loan structure. This rate-era framework lays out rate-buffer, DSR, leverage, and cash-flow thresholds with real numbers and a concrete case.