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Loan and credit calculator
Compare base and stressed debt service ratios using South Korea-style stress-rate assumptions. Monetary inputs and results are in KRW.
This planning tool models the mechanics of South Korea's Stress DSR framework. The applicable stress add-on can vary by period and loan type.
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: Stress DSR
Supporting value: Base DSR
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.
Keep up to three calculated result snapshots only for this page session and compare them with the current result. Inputs, URLs, and browser storage are not used.
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All monetary values are KRW. The stress add-on is used for borrowing-limit assessment and is not an extra interest rate charged on the actual loan.
Actual lender assessments can differ because recognized income, loan type, repayment method, exemptions, and current South Korean policy rules may vary.
The calculator compares DSR at the entered loan rate with DSR at a stressed assessment rate formed by adding the stress-rate input. The new loan assumes level monthly principal-and-interest payments.