6 posts
Why the actual transaction price of the apartment you're buying and the bank's official appraisal benchmark — the KB Real Estate Price — can differ, and how that gap shrinks your loan limit. Covers how KB Price is set, the small-deposit deduction, and contract clauses that protect you from a funding shortfall.
How fixed and variable rates are structured, plus 4 practical decision criteria — loan holding period, the rate spread, cash flow, and the base-rate outlook. Also covers hybrid and periodic-reset rate alternatives for choosing a mortgage rate type.
5 practical response strategies for real homebuyers when loan regulations tighten: recalculating your limit under the new rules, drafting a funding plan before signing, clearing existing debt, prioritizing policy loans, and building in extra time before your balance date.
A practical guide for young professionals who get turned down for loans over short employment history or missing income documentation. Covers how to use an alternative withholding certificate, the core LTV/DTI/DSR concepts, and 4 principles for actually getting your first loan approved.
Calculating actual LTV/DSR limits, clearing existing debt, uncovering hidden costs like acquisition tax and broker fees, checking your monthly payment capacity and emergency funds, and navigating contract clauses and government loans — 6 reality checks every first-time homebuyer must do before signing.
A complete beginner's guide to understanding LTV, DTI, and DSR. Learn the difference between these terms, LTV limits by regulated zones, how the 40% DSR rule is calculated, simulations of maximum loan amounts by salary, and 3 practical strategies to increase your limit.
