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주택담보대출 한도 계산법 — LTV·DSR·스트레스 DSR로 내 한도 구하기 🏠
주택담보대출 한도는 LTV·DSR·스트레스 DSR 세 가지 관문 중 가장 작은 금액으로 정해집니다. 연소득과 집값으로 내 한도를 직접 계산하는 법을 정리했습니다.
부동산
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📉 Asia, Europe, and U.S. Chip Stocks Collapse in a Single Day — China's Lithography Shock, 'AI Bubble' Fears, and Today's SK hynix·MS·Meta Earnings Face the Test
News that China had begun mass-producing its own DUV lithography tools, coupled with do...
IT
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🏠 Despite Curbs and Cooling Signs, 'Prices Will Keep Rising' — Korea's July Home-Price Outlook Hits 127, a Near-5-Year High as Big Policy Package Looms
The Bank of Korea's July home-price outlook index hit 127, its highest in four years an...
Real Estate
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🛢️ Oil Tumbles From the $100 Line, KOSPI Rebounds to 6,755 — Mideast Fears Ease, Now All Eyes on the FOMC
A U.S.-Iran de-escalation sent oil prices sharply lower, helping the KOSPI rebound 0.97...
Economy
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📱 Android Opens Up to ChatGPT and Claude — The EU Decision That Cracks Gemini's Grip, With Today as the Legal Deadline
On July 16 the European Commission handed Google two binding specification measures. Th...
IT
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🏠 After 3 Weeks of Rules and Debate, Is Seoul Housing Catching Its Breath? July KB Prices Slow to +1.05%, Outlook Index Turns Down
In KB Real Estate's July data, Seoul apartment sale prices rose 1.05%, a slight slowdow...
Real Estate
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🤖 The AI Intelligence Crown Changes Hands Again — Claude Opus 5 and July's AI Model Showdown: Same Price, a Full Generation Leap in Coding
Anthropic unveiled Claude Opus 5 on July 24, taking the top spot on an independent inte...
IT
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📊 Korea's 'Super Week' Preview — FOMC, Samsung, SK Hynix and Big Tech Earnings Set the KOSPI's Direction (Jul 27–Aug 1)
A single week packs the July FOMC decision (early Jul 30 KST), Q2 results from Samsung ...
Economy
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🏠 [Weekly Review] The Week Property Tax Shook Everything — From the Grand Debate to the '3x Hike' Remark, Korea's Real Estate 7 Days (Jul 20–26)
This week Korean real estate revolved around one question — how much to raise the holdi...
Real Estate
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🤝 Korea Inc. and Global Big Tech Hit a $950B Chip 'Jackpot' — Inside the San Francisco AI Summit
On the sidelines of the 'San Francisco AI Summit' attended by President Lee Jae-myung, ...
IT
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🚨 US 'Forced-Labor Tariff' of 12.5% Hits Korea Head-On — KOSPI Plunges 5.72%, Will the 15% Cap Hold?
The US finalized a 12.5% Section 301 'forced-labor' tariff on Korea, sending the KOSPI ...
Economy
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🏠 What President Lee's 'Triple the Property Tax' Remark Really Means — A Full Rundown Ahead of the July 27 Forum and the Late-July Tax Overhaul
At the July 23 real estate town hall, President Lee Jae-myung backed stronger holding t...
Real Estate
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📈 Korea's Q2 GDP Jumps 0.6%, Triple the Forecast as Chips Beat Middle East Risks
South Korea's real Q2 2026 GDP grew 0.6% quarter-on-quarter, three times the Bank of Ko...
Economy
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📱 Galaxy Unpacked 2026 Recap — The 'Passport-Style' Fold8 Arrives, and Prices Hold in the 2-Million-Won Range
Samsung showed three foldables at its London Unpacked on the night of July 22. The 'pas...
IT
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📊 Google Cloud Explodes 82% but the Stock Still Fell — The Two Faces of Alphabet's Q2 and Its $205B Capex
Alphabet beat expectations with Q2 revenue of $119.8B (+24%) and Google Cloud of $24.8B...
IT
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🏠 Korea's Housing Grand Debate Starts Today at 10 AM — President and 140 Voices on Property Tax, Loans and Supply, a Preview of the Late-July Comprehensive Plan
President Lee Jae-myung chairs a national housing debate at 10 AM today — property tax,...
Real Estate
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📈 KOSPI Touches 7,000 Then Gives It Back, as Seoul Mounts a Full-Court Won Defense
The KOSPI crossed 7,000 intraday on July 22 before slipping back to close at 6,797.70, ...
Economy
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📊 Big Tech Earnings Season Opens: The ₩1,074 Trillion 'AI Capex' Test — Alphabet Sets the First Benchmark Tonight
U.S. Big Tech Q2 earnings begin this week. Combined 2026 AI capex at Alphabet, Microsof...
IT
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🏠 Korea's National Property Debate, D-2 — Holding Tax, Lending Rules and Supply on the Table
President Lee Jae-myung chairs a nationally televised property debate on July 23. Holdi...
Real Estate
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📱 Galaxy Unpacked 2026 Is One Day Away — Why the 'Passport-Style' Wide Fold Is the Real Story
Samsung holds Galaxy Unpacked 2026 in London on July 22 at 10 p.m. KST. Three foldables...
IT
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📉 KOSPI Plunges 4.46% to 6,516 — China's 'Kimi K3' Shock Meets Hormuz Risk
The KOSPI closed down 4.46% at 6,516.27. The release of Moonshot AI's open-weight 'Kimi...
Economy
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🏠 Why Is It So Hard to Find a Jeonse Rental? — Supply Index at a 5.5-Year High, Six Years After Korea's Lease Laws
Seoul's apartment jeonse supply-demand index hit 126.7, a 5.5-year high. Listings fell ...
Real Estate
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📦 Korea's Early-July Exports Hit a Record $29.8B — but the Tariff Clock Reads D-5
Korea's exports for July 1-10 reached $29.839 billion, a record for the period, but the...
Economy
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🏠 Curbs Cooled Dongtan, but Seongbuk and Guro Are Surging — Seoul's Price Rally Is Shifting, 4 Days to the Presidential Forum
Seoul apartment prices rose 0.30% for a second straight week in the second week of July...
Real Estate
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💻 [Weekly Review] AI Bubble vs. Supercycle — The Week Earnings Answered Back (Jul 13–19): TSMC, Netflix, and Next Week's Big Tech Watch
The 'AI bubble' debate dragged the KOSPI down 8.77% for the week, yet TSMC's +77.4% pro...
IT
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📉 KOSPI Sheds 8.77% in a Week as Oil Jumps 14% — The Two Forces That Rattled Markets
This week the KOSPI plunged 8.77% to fall back below 6,800, while WTI crude surged 14% ...
Economy
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🎬 Netflix Q2 Revenue Hits $12.6B, But Stock Drops 8% — The Q3 Outlook Scared Investors More Than Earnings
Netflix posted Q2 revenue of $12.6 billion, up 13% year over year and in line with mark...
IT
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🏠 Korea Raises Rates for First Time in 3.5 Years, Mortgages Near 8% — Seoul Apartments Rise for 75th Week but Cool
On July 16, the Bank of Korea raised its base rate from 2.50% to 2.75% for the first ti...
Real Estate
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🔷 TSMC's Q2 Net Profit Jumps 77% to a Record — AI Demand Proves the 'Chip Supercycle' Again
TSMC, the world's top foundry, posted record Q2 results with net profit of NT$706.56 bi...
IT
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🏛️ Korea May Base Its Property Tax on Value, Not the Number of Homes — Key Takeaways From the July 16 Tax Reform Forum
On July 16 Korea's Ministry of Economy and Finance held a public forum on property taxa...
Real Estate
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🛒 Homeplus on the Brink of Bankruptcy — a Last-Minute ₩200 Billion Lifeline as Meritz and MBK Strike a Deal, Today's Board Vote Decides It All
Homeplus, pushed to the edge of bankruptcy after a court ended its rehabilitation, has ...
Economy
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📊 BOK Decision Day — First Hike in 3.5 Years Looms; What a Move to 2.75% Means for Your Loans
The Bank of Korea's rate board is widely expected to raise its policy rate from 2.50% t...
Economy
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🏦 How Far Will Korea Tighten Jeonse, Relocation and DSR Loans? — Key Takeaways From the July 15 FSC Housing-Finance Forum
On July 15 Korea's Financial Services Commission held a public forum on housing finance...
Real Estate
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🔐 Over 500 GitHub Access Tokens Leaked — Korean Police Issue Urgent Advisory: Revoke and Reissue Your PAT Now
Korea's National Office of Investigation confirmed a leak of over 500 GitHub personal a...
IT
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📉 US Inflation Cools to 3.5% — Falling Oil Reverses June CPI, What Now for the Fed and BOK?
US June CPI fell 0.4% on the month to 3.5% year-over-year. A sharp drop in energy price...
Economy
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📈 Korea's H1 ICT Exports Hit Record $253.9B — Over Half of All Exports for the First Time, Powered by AI Chips and SSDs
Korea's ICT exports reached a record $253.86 billion in the first half of 2026, and for...
IT
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🏠 Korea's 'Fateful Week' for Housing Begins — Three-Day Relay of Public Forums on Supply, Finance, Tax, with a Presidential Debate on the 23rd
Starting today (the 14th), the Korean government is putting the three pillars of housin...
Real Estate
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🤖 The AI Price War Begins — Grok, Muse Spark, GPT-5.6, and a Week of 'Half-Price Models' Reshaping the Field
Over the past week OpenAI, xAI, and Meta rolled out new models one after another, ignit...
IT
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🏠 Deals Down to a Quarter, Prices Hold — Seoul's 'Frozen Volume, Firm Prices' Split After the June 27 Rules
July Seoul apartment sales fell to a provisional 2,973, down about 75% from June's 11,9...
Real Estate
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🧾 Tariff Time Bomb, D-12: What Ends on July 24 — U.S. Section 301 Tariffs and Korea's '15% Line'
On July 24 the U.S. 10% temporary tariff (Section 122) expires, and Section 301 tariffs...
Economy
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🤖 AI Now Does the Work — Inside OpenAI's 'ChatGPT Work' and the Dawn of Autonomous Agents
OpenAI unveiled 'ChatGPT Work,' an autonomous agent, on July 9. Built on GPT-5.6, it wo...
IT
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🏠 [Weekly Review] Loans Are Tightening, So Why Does Seoul Keep Rising? — Regional Unsold Homes Hit 65,000, BOK Meets 7/16, Presidential Housing Forum 7/23 (7/6–7/12) + Week Ahead
This week Korean real estate split in two directions: lenders tightened credit while Se...
Real Estate
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📈 BOK Meeting D-5: A Rate Hike Looms, So Why Is the KOSPI Surging?
A July 16 BOK hike from 2.50% to 2.75% looks likely, yet the KOSPI jumped to 7,475 — he...
Economy
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🏠 Seoul Surges While the Provinces Sit on 65,000 Unsold Homes — Why Korea's Housing Market Split in Two
May's nationwide unsold-home count was 65,239 units, 46,638 of them outside the capital...
Real Estate
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🤖 OpenAI Launches GPT-5.6 'Sol, Terra, Luna' — The First AI Model Cleared by U.S. Government Pre-Review: What's New?
OpenAI released three GPT-5.6 models (Sol, Terra, Luna) worldwide on July 9. As the fir...
IT
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🏠 KB's Mortgage Cap Halved to ₩300M Today — What It Means for Homebuyers
From July 10, KB Kookmin Bank halves its maximum home-purchase mortgage from ₩600M to ₩...
Real Estate
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🏛️ The Fed's 'Family Fight' Laid Bare — June FOMC Minutes Reveal a Dead Heat Between Hike and Hold
The June FOMC minutes, released early on July 9 Korea time, show Fed officials split he...
Economy
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💾 Bain Capital Fully Exits Kioxia — A 23 Trillion Won Jackpot, the Question Marks It Leaves, and SK hynix
On July 8, US private equity firm Bain Capital sold its entire stake in Kioxia, the wor...
IT
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🏠 Seoul's Sub-600M-Won Apartments Have Vanished — Why Didimdol and Beotimmok Policy Loans Can't Keep Up With Prices
After the June 27 lending curbs shrank Didimdol and Beotimmok loan limits, Seoul's medi...
Real Estate
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📈 Korea's May Current-Account Surplus Hits a Record $38.6B — Chips Set a New High, So Why Is the Won Still Weak?
The Bank of Korea's May balance-of-payments data, released July 8, shows a record curre...
Economy
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💾 SK hynix Nasdaq Debut, T-2: Raising ₩45T to Go All-In on HBM, Topping Alibaba and Aramco
SK hynix lists ADRs on Nasdaq on July 10, raising about $29 billion (₩45T) in the large...
IT
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💵 The Won Slides Back to 1,530 — Why Is the Korean Currency So Weak? Foreign Selling, FX, and the July Rate Meeting
In July 2026 the won/dollar rate is back near 1,530 as won weakness persists. Foreign n...
Economy
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🏠 "Buy Instead of Rent": Seoul Apartment Sales Volume Tops Jeonse for the First Time in 4 Years
In May, Seoul apartment purchase transactions outnumbered jeonse deals for the first ti...
Real Estate
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🤖 From OpenAI's 'Jalapeño' Onward — Big Tech's Custom AI-Chip Rush: Can It Shake Nvidia's Reign?
On June 24, OpenAI unveiled 'Jalapeño,' its first in-house inference chip, with Broadco...
IT
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🏠 Seoul Apartment Move-Ins Double in H2 2026 — So Why the 'Supply Cliff'? A Guide Ahead of the Late-July Policy Package
Seoul apartment move-ins are back-loaded into H2 2026, double the first half — yet the ...
Real Estate
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📅 A July Rate 'Super Week' Is Coming — Preview of the US CPI (14th), BOK MPC (16th) and FOMC (28-29th) Triple Header
Three events will decide where rates head this half — the US June CPI (14th), the Bank ...
Economy
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🏠 Seoul Jeonse About to Overtake Sale Prices — Dongtan·Giheung·Guri Hit 'Triple Regulation' Today (Late-June Housing)
Seoul apartment jeonse (deposit-lease) prices are up 5.10% year-to-date, all but matchi...
Real Estate
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🧠 [Weekly Review] One Meta Report Cracked KOSPI 8000 — Did the AI Chip Cycle Really Wobble? (Jun 29–Jul 5) + Next Week Outlook
A single report that Meta might rent out spare GPUs sent the KOSPI down 7.89% on July 2...
IT
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📉 The Day the KOSPI Cracked 8,000 — How One Meta Remark Sank Korea's Chip Titans
On July 2, the KOSPI plunged 7.89% and lost the 8,000 line. Meta's plan to lease out sp...
Economy
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📉 US June Jobs 'Shock' — Just 57K Added, Fed Hike Bets Cool: Won, KOSPI & BOK Meeting Explained
US June payrolls rose just 57K, far below forecasts, cooling bets on a Fed rate hike th...
Economy
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🟢 NVIDIA Just 'Open-Sourced' Its Own AI Models — A Full Guide to Nemotron 3, With Weights, Data and Recipes
NVIDIA has released its own Nemotron 3 AI models as open models — weights, training dat...
IT
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🏠 Why Seoul's Jeonse Crunch Won't Ease — Record-Low Housing Starts, and the Government's 90,000 'Non-Apartment' Bet
Last month Seoul apartment jeonse prices rose the most in 11 years and 1 month. The roo...
Real Estate
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📈 June Inflation Hits 3.2%, a 2.5-Year High — Fuel and 'Chipflation' Drive Up the Grocery Bill
Korea's June CPI rose 3.2% year over year, the highest in 2.5 years. A 24.7% jump in pe...
Economy
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🏠 Loan Curbs Couldn't Stop It: Seoul Home Prices Rise Across All 25 Districts, and Gangnam Jeonse Tops 800M Won for the First Time
In June, Seoul apartment prices rose across all 25 districts and Gangnam jeonse topped ...
Real Estate
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🤖 LG Electronics Launches CEO-Led Robotics Business Center — A July 1 Bet on 'Physical AI' and the Robot Race
LG Electronics set up a CEO-led Robotics Business Center effective July 1. Coming about...
IT
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💸 Korea's 2027 Minimum Wage: Labor 11,900 vs. Business 10,360 Won — Mid-July Showdown Explained
Korea's 2027 minimum wage talks are in the home stretch. In the second revised offers, ...
Economy
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🏠 [Monthly Review] One Year After the 6·27 Rules: Seoul Home Prices +11.8% — June Housing Recap and the H2 'Supply Cliff'
One year into the 6·27 lending rules, Seoul apartment prices rose 11–12%, climbed for a...
Real Estate
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🚀 800 Trillion Won for Chips, 550 Trillion for AI Data Centers — Korea's 'Three Mega-Projects' Explained
On June 29 Korea unveiled 'Three Mega-Projects' — 800 trillion won for southwestern chi...
IT
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💰 Samsung's 47% and SK's 2,964% Bonuses Rattle Japan — Why 'K-Incentives' Became the Global Pay Standard
Samsung's chip division set OPI at 47% and SK hynix at 2,964% of base pay, turning Kore...
Economy
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📈 Record $87.7B Exports vs First Job Drop in 17 Months — Inside Korea's 'K-Shaped' Recovery
May exports hit a record $87.75 billion (+53.2% YoY), yet employment fell for the first...
Economy
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🏠 Loans Curbed, Prices Climbed — One Year On, Seoul Home Prices Up ~11% as Demand Shifts to Small, Outer Homes
One year after the June 27 lending curbs, Seoul apartment prices rose about 11% on the ...
Real Estate
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💰 Korea's 'Youth Future Savings' Opens to All from the 29th — ₩500k a Month, Plus Up to 12% From the Government
Korea's 'Youth Future Savings' account for ages 19–34 opens to all applicants regardles...
Economy
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📉 Up 100%, Then -9.99% in a Day: KOSPI's H1 2026 Rollercoaster and What to Watch in July
In H1 2026 the KOSPI surged roughly 100% year-to-date to a record close of 9,114.55 on ...
Economy
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💸 Is the 'Cheap AI' Era Ending? — The Inference-Cost Crisis and the Coming Price Normalization
Today's cheap AI prices are actually propped up by massive industry losses. OpenAI is p...
Economy
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🏠 Is 'the Land of Jeonse' Fading? — Monthly Rent Tops Half of Seoul Apartment Leases for the First Time
This year, monthly rent (wolse) made up 54.1% of new Seoul apartment leases — topping h...
Real Estate
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🗓️ [Weekly Review] (Jun 22–28) — 'AI Memory Crunch,' Reaccelerating Inflation, Korea's Shift to Monthly Rent, Plus the Week Ahead
Three threads ran through the fourth week of June (Jun 22–28): an AI-driven memory crun...
Economy
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📱 Samsung Develops Industry-First 'UFS 5.0' — 2× Faster Phone Storage to Speed Up On-Device AI
Samsung has developed UFS 5.0, the industry's first mobile storage optimized for on-dev...
IT
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📈 U.S. Inflation Hits 4.1%, a 3-Year High — A Fed Dove Flips to 'Hike,' and the Rate Clock Runs Backward
U.S. PCE inflation rose to 4.1% in May, the highest in about three years. Core PCE jump...
Economy
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🏛️ 'Live In It, or Pay More' — Korea Kicks Off a Residence-Focused Property Tax Overhaul
Korea's government is reworking property taxes around actual residence, spanning acquis...
Real Estate
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🍎 Apple Hikes Mac & iPad Prices — 'AI Memory Crunch' Pushes Macs Up to 20%, iPads to 25%
Apple raised Mac and iPad prices across the board on June 25 (Macs 15–20%, iPads 15–25%...
IT
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🤖 ChatGPT Falls Below 50% for the First Time — Gemini and Claude Close In on a Multipolar AI Market
By Sensor Tower's count, ChatGPT's generative-AI share fell to 46.4% by late May — belo...
IT
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📊 Sentiment Is Up, but Koreans Now Expect Higher Rates and Home Prices — June Consumer Index at 106.6
Korea's June Composite Consumer Sentiment Index came in at 106.6, above 100 for a secon...
Economy
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🔥 How Far Can the HBM 'Sold-Out Supercycle' Go — Tonight's Micron Earnings and Korea's Memory Battle
Micron reports quarterly earnings after the close on June 24 local time. Here is the me...
IT
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🏠 Seoul Apartment Prices Keep Rising in June 📈 New Highs in Gangnam Despite Tight Rules, Provinces Flat — A Look at the Widening Divide
Per the Korea Real Estate Board's first-week-of-June reading, Seoul apartment prices ro...
Real Estate
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🏛️ Warsh's First FOMC: A 'Hawkish Hold' — Global Markets Wobble, KOSPI Hits Record 9,000
A clear rundown of Chair Warsh's first FOMC 'hawkish hold,' the higher dot plot, and th...
Economy
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⚖️ Korea's AI Basic Act at Five Months: A One-Year Grace Period and What Companies Should Prepare
A clear rundown of Korea's AI Basic Act now in force since Jan 22, 2026 — its one-year-...
IT
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🏠 Seoul Jeonse Rents Hit a One-Year High — A Land-Permit-Driven Rental Crunch Spreads to Southern Gyeonggi
With listings drying up after the land-transaction permit rules, Seoul jeonse rents jum...
Real Estate
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💵 Won Hovers Above 1,500 per Dollar as Foreigners Keep Selling — Korea Market Check, June
Korea's June market in brief — a weak won in the 1,500s, foreign net selling, and the b...
Economy
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