In the Seoul apartment market, 1.5 billion won has become the threshold for whether to buy, as the maximum mortgage loan limit for homes priced at 1.5 billion won has decreased from 600 million won to 400 million won, a decrease of 200 million won. According to the Financial Services Commission on the 5th, the maximum mortgage loan available for purchasing a home priced at 1.5 billion won or less in the metropolitan area and regulated areas is 600 million won, while for homes between 1.5 billion and 2.5 billion won, the limit is reduced to 400 million won. If the loan exceeds 2.5 billion won, the maximum loan limit is limited to 200 million won. Even for apartments in the 1.5 billion won range, the amount of cash needed varies greatly depending on price. If you simply apply the maximum limit excluding other loan regulations, the minimum amount needed to buy a 1.5 billion won apartment is At least 900 million won, but if the price is 1.51 billion won, the loan limit drops to 400 million won, and the personal funds increase to at least 1.11 billion won. Although the price difference is 10 million won, the cash needed increases by 210 million won, The loan boundary also affects actual transactions. However, not everyone can borrow 600 million won just because a house is 1.5 billion won or less; the actual loan amount depends on the loan-to-value ratio (LTV), debt-to-interest ratio (DSR), borrowers' income, and existing debt. Depending on banks' total household loan management, financial companies may lower their own limits,,, and it would be nice if there were apartments priced at least 1.5 billion won!!!!!!!!
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