South Korea 2026 Stress DSR Mortgage Limits: A Reproducible Reference Note

Eun Kim

No 1, Resimanor Housing Finance Research Notes from Resimanor

Abstract: This research note documents a reproducible reference framework for comparing mortgage borrowing capacity in South Korea under the 2026 Stress Debt Service Ratio regime. It explains how annual income, standardized debt-service assumptions, and existing credit-loan obligations interact when constructing mortgage-limit scenarios. The note is intended as a transparent benchmark for research, education, and housing-finance analysis rather than as an individualized bank underwriting result.

Keywords: South Korea; mortgage; Stress DSR; housing finance; household debt; credit constraints (search for similar items in EconPapers)
JEL-codes: G21 G28 R21 R31 (search for similar items in EconPapers)
Date: 2026-10-01
Note: Underlying machine-readable data and methodology are available from Resimanor. Canonical dataset DOI: 10.5281/zenodo.22840870
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