Overview

The LTV (Loan-to-Value) Calculator determines the maximum borrowable amount based on the ratio of loan to property value in Korea. LTV limits vary by region (speculation zones, regulated areas, non-regulated areas), property price, and number of properties owned. Use this calculator to find your exact borrowing limit based on your situation.

Formula

LTV (%) = (Mortgage amount ÷ Property collateral value) × 100
Max loan = Property value × LTV ratio - Senior loan balance

LTV Regulations (2025):
- Non-regulated areas: 70%
- Regulated areas: 50% (non-homeowners), 30% (1-home owners)
- Speculation zones: 40% (non-homeowner, under 900M), 20% (portion over 900M)
- Apartments over 1.5B (speculation zones): No loans → Check latest policy changes

How to Use

1. 1Select the property location (regional classification).
2. 2Enter the property market value (appraisal or KB price).
3. 3Select the number of properties currently owned.
4. 4If there are existing senior mortgages, enter the balance.
5. 5Click calculate to see the applicable LTV ratio and maximum loan amount.

Tips

• ✔For LTV calculation, the lower value among appraisal, KB price, and Korea Real Estate Board price is used.
• ✔Existing senior mortgages are deducted from the LTV-based limit.
• ✔Jeonse deposit return guarantees may be treated as senior claims, affecting LTV limits.
• ✔LTV regulations change frequently with policy updates, so always check the latest rules.
• ✔Korea Housing Finance Corporation (HF) Bogeumjari loans apply their own LTV criteria (up to 70%).

FAQ