The Apartment Loan Calculator is a comprehensive real estate finance calculation app that calculates your loan limit, monthly repayment, and acquisition costs all at once before purchasing. It helps both buyers and investors determine a reasonable purchase price and fully understand all expenses.

Key Features

Loan Limit Calculation: Calculate the maximum loanable amount based on LTV, DTI, and DSR regulations.

Monthly Repayment Simulation: Separate principal and interest and display the repayment ratio based on interest rate and term.

Automatic Purchase Cost Calculation: Simply enter the acquisition price to automatically calculate acquisition tax, local education tax, stamp duty, stamp duty, legal fee, and brokerage fee.

Investment Amount Presentation: Visualize leverage utilization and repayment capacity by integrating assets, annual salary, and existing loans.

Input Parameters (Example)
Annual Salary (KRW 10,000), Assets (KRW 10,000), Existing Loan Monthly Repayment Amount (KRW 10,000), Interest Rate (%), Repayment Period (Years), Speculation Area/First-Time Purchase, Stress DSR Level, Acquisition Price (KRW)

Output Information

Limits and Final Loanable Amount by LTV/DTI/DSR

Estimated Monthly Repayment Amount (Principal/Interest, Total Interest)

Total Fund Requirements (Acquisition Price + All Expenses) and Investment Amount

Repayment Ratio to Income, Public Leverage Utilization

Why? Is it useful?

Automatically reflects complex regulations to support fast and accurate decision-making.

Calculate incidental costs that are easily overlooked to determine actual payment amounts.

Easy input allows for realistic financial planning.

Convenient Features

Supports unit input for 10,000 won and 100,000 won, with instant calculation.

Save and compare results (expandable with future updates)

※ Calculation results are for reference only. Actual limits and taxes may vary depending on financial institution and local government regulations.