[2027 Housing Outlook] "Answering Your Questions!" [Friday Emergency Committee]

An independent exercise, not a statement by the video creator or verification of every claim in the video.

Separate available cash from the denominator of LTV

Assume a home costs KRW 1.1 billion, funded with KRW 500 million cash and KRW 600 million debt. If collateral value equals the price, LTV is 6 ÷ 11 × 100, approximately 54.55%, rather than the 120% obtained by dividing debt by cash. Now assume a collateral-based limit of KRW 770 million, an income-and-debt assessment allowing KRW 400 million, and a product cap of KRW 600 million. These conditions permit at most KRW 400 million in borrowing. The purchase requires KRW 700 million cash before transaction costs, leaving a KRW 200 million shortfall. Passing a collateral-ratio test differs from securing enough funding to complete the purchase.

Check for yourself

1. Does the expected collateral valuation equal the purchase price?
2. Has an actual assessment incorporated income and existing debt?
3. Does the cash plan include acquisition costs, moving expenses and future project contributions?

Limits of application

All prices and limits are hypothetical calculation inputs, not current regional restrictions or product terms. Applicable rules, collateral assessment, borrower and product requirements, and deductions affect actual limits.