Question 1

What is LTV?

Accepted Answer

LTV (Loan to Value) is the ratio of the loan amount to the property value. For example, if the LTV is 70% and the house price is $500,000, you can get a maximum loan of $350,000.

Question 2

What are the LTV regulations by region?

Accepted Answer

In South Korea: Speculation zones allow 40% for non-homeowners/1-homeowners, speculative overheating areas allow 50%, adjustment target areas allow 60%, and non-regulated areas allow 70%. Stricter regulations apply to multi-homeowners.

Question 3

What is the difference between LTV and DSR?

Accepted Answer

LTV is the loan ratio relative to property value, while DSR is the ratio of total debt repayment to annual income. Both regulations must be met when taking out a loan.

Question 4

Can multi-homeowners get loans?

Accepted Answer

It depends on the region. Multi-homeowner loans are not available in speculation zones, but are possible within limited LTV ratios in other areas.

Region Category	Non-homeowner/1-homeowner	Multi-homeowner
Speculation Zone	40%	Not Available
Speculative Overheating Area	50%	30%
Adjustment Target Area	60%	50%
Non-regulated Area	70%	60%

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📌 2025.10.16 최신 기준

What is LTV?

LTV Regulations by Region (South Korea)

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