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Loan and credit calculator
Estimate the Korea Housing Finance Corporation general jeonse guarantee limit using its published subject, funding-needs, and repayment-capacity formulas. All amounts are KRW.
This planning tool compares the published HF general jeonse guarantee limits. Actual loan approval and borrowing can differ after HF and lender underwriting.
How to read these results
These values are calculated from your current inputs. Check the input units and this calculator’s stated assumptions or included scope alongside the results.
Primary result: Estimated guarantee limit
Supporting value: Binding constraint
Use the result for your next decision
Compare the primary result with your target or another option, then change only the conditions you want to test and recalculate. Before acting, also check the calculator-specific guidance and applicable conditions.
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Official HF general jeonse guarantee guidance was verified on 2026-08-27. For capital or regulated areas, HF recognizes 8/9 of the minimum result from the three published limits.
This is a guarantee-limit estimate, not an eligibility decision or loan approval. Deposit, homeownership, property, and lender requirements must be checked separately.
Under HF guidance, the estimate uses the smallest of the subject-level, funding-needs, and repayment-capacity limits. The standard subject cap is KRW 400 million; for one-home households it is KRW 180 million in capital/regulated areas and KRW 200 million elsewhere. The funding-needs cap is the lower of the requested amount and 80% of the deposit minus the existing guarantee balance.
Korea Housing Finance Corporation general jeonse guarantee guidance