Loan Interest Calculator
Compare monthly payments and total interest for equal-payment, equal-principal, and bullet methods.
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DSR, LTV & DTI Calculator — Korean Mortgage Check
Estimate LTV, DTI, DSR, and stress-DSR limits from home price, income, and debt.
Future income for DSR
LTV limit
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DTI limit
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DSR limit
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For reference only. Actual limits can vary by lender review, policy loans, guarantees, small-tenant deposit deductions, and debt maturity assumptions.
Rules checked on 2026-07-02. Reflects FSC household debt controls from 2025-06-27 and 2025-09-07, the Oct. 15 measure raising the stress-rate floor for capital-area/regulatory-area mortgages to 3.0%, future-income recognition guidance, and public representative rates of 51.6% for borrowers in their 20s and 17.7% for borrowers in their 30s.
How to use
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Enter the loan principal, annual rate, and term, then choose a repayment method.
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Monthly payment, total interest, and total paid are calculated automatically for the chosen method.
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The schedule table shows how principal and interest change over each period.
Frequently asked questions
Q What is the difference between the three methods?
A Equal payment keeps the same amount every month; equal principal starts higher but with less interest; bullet pays interest only until the principal is repaid in full at maturity.
Q Is it exactly accurate for a real loan?
A It is an estimate for reference. Lenders may differ in fees, grace periods, day counts, and other terms, so results may vary.
Q Is early repayment included?
A No. It assumes equal payments over the term. Early-repayment fees and similar costs are not included.
Q How should I enter the interest rate?
A Use the annual rate (%). For example, enter 5 for 5% per year; it is converted internally to a monthly rate.