#Interest Rates
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Money
Seoul's Policy Loans Cost 2.65% After the Subsidy — and the Subsidy Is Where Banks Differ
A policy loan brochure quotes two rates: what the bank charges and what the city pays. The borrower carries the gap, which nothing publishes.
Real Estate
Jeonse Loan Rates Differ by 1.99 Points Between Banks — With the Same Guarantee Behind Them
The lowest was 3.79% and the highest 5.78%. On a KRW 100 million loan that is KRW 1.99 million a year.
Calculators
Korean DSR Calculator — the Ratio That Sets Your Limit, Not You
Enter income and existing debt to see how much more you can borrow, and what the limit would be with the stress rate switched off.
Money
Korea's 40% DSR Is Not in the Statute — the Three Documents That Set It
The Banking Act carries no figure, the regulation pushes it into a table, and the arithmetic is delegated again to the supervisor.
Money
Time Deposit or Installment — and the Trap in “Best Rate” (2026)
We worked out the exact multiple behind "an installment plan pays about half the headline rate": an n-month plan yields (n+1)÷2n — 13/24, or 54.17%, over twelve months, converging on 50% as the term lengthens.
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