Economy and finance

Auto Select · publishedJoint Spousal Income for Mortgage DSR: Does Adding Your Spouse's Income Increase Your Loan Limit? Their Debts Count Too

Joint Spousal Income for Mortgage DSR: Does Adding Your Spouse's Income Increase Your Loan Limit? Their Debts Count Too

When a mortgage's debt service ratio (DSR) is assessed using a couple's combined income, the spouse's income can be included in evaluating repayment capacity. However, the spouse's existing loan repayment obligations are also taken into account. As a result, having two incomes does not necessarily increase the mortgage limit in direct proportion to the additional income. As of 2026-09-29, the key question is ‘

Economy and financeAutomatic analysisInternal SEO 86Views 402026-09-29 23:01:27

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#Mortgage#Combined Spousal Income#DSR#Spouse#Income

Auto Select · publishedMortgage Loan Limits by Annual Salary: In 2026, DSR 40% and Regional Stress Interest Rates Make the Difference

Mortgage Loan Limits by Annual Salary: In 2026, DSR 40% and Regional Stress Interest Rates Make the Difference

Mortgage loan limits are not fixed at a certain multiple of annual salary. Under 2026-09-29 banking-sector standards, borrowers whose total outstanding loans exceed KRW 100,000,000 must generally comply with the DSR 40% regulation. Mortgage loans are also subject to stress DSR calculations that vary by region and interest rate structure. In the Seoul metropolitan area and regulated regions, loan limits are calculated using an assessment interest rate higher than the actual borrowing rate, which can result in different limits even for borrowers with the same annual income.

Economy and financeLatest IssuesInternal SEO 87Views 242026-09-29 17:23:15

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#Mortgage Loans#Salary-Based Loan Limits#DSR#Regional Differences#Stress DSR

Auto Select · publishedBogeumjari Loan for Newlyweds: 1-Person Income Threshold of KRW 70,000,000 Applies from October 19 Even If Combined Income Exceeds the Limit

Bogeumjari Loan for Newlyweds: 1-Person Income Threshold of KRW 70,000,000 Applies from October 19 Even If Combined Income Exceeds the Limit

There is a change for newlywed couples who previously could not apply for a Bogeumjari Loan because their combined income exceeded the existing threshold. For new loan applications from 2026-10-19, newlywed households may apply under the new income criteria if either spouse has an annual income of KRW 70,000,000 or less, even when their combined income exceeds the previous limit. However, meeting the income requirement alone does not guarantee loan approval.

Economy and financeLatest IssuesInternal SEO 94Views 412026-09-28 21:02:21

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#Newlyweds#Bogeumjari Loan#Combined Income#Exceeding the Limit#Individual Income

Auto Select · publishedFixed Deposit Rates of 3.5% vs. 3.7%: After-Tax Interest Difference on 1 Thousand Won Deposited for 1 Year Is KRW 16,920

Fixed Deposit Rates of 3.5% vs. 3.7%: After-Tax Interest Difference on 1 Thousand Won Deposited for 1 Year Is KRW 16,920

Assuming 1 thousand won is placed in a fixed deposit for 1 year, an annual rate of 3.5% produces approximately KRW 296,100 in after-tax interest, while an annual rate of 3.7% produces approximately KRW 313,020. After applying the standard tax rate of 15.4%, the difference is KRW 16,920. Although the interest rates differ by 0.2% percentage points, the actual difference received is smaller than the pre-tax difference of KRW 20,000. The calculation is straightforward. Deposit 1 thousand won for 12 months

Economy and financeLatest IssuesInternal SEO 92Views 262026-09-28 11:02:12

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#Fixed Deposits#10 Million Won#If Deposited#After Tax#Interest

Auto Select · publishedSwitching from the Youth Leap Account to the 2 Round of the Youth Future Savings Plan: Why You Should Not Close Your Existing Account First and the Correct Procedure

Switching from the Youth Leap Account to the 2 Round of the Youth Future Savings Plan: Why You Should Not Close Your Existing Account First and the Correct Procedure

If you currently hold a Youth Leap Account, you should not close it before applying for the 2 round of the Youth Future Savings Plan. As of 2026-09-28, the Financial Services Commission has outlined the following sequence: apply for the Youth Future Savings Plan and undergo eligibility screening → receive confirmation of eligibility → open a Youth Future Savings Plan account → complete a special early termination of the Youth Leap Account. Switching from the Youth Leap Account is once again permitted during the 2 recruitment round of the Youth Future Savings Plan.

Economy and financeAutomatic analysisInternal SEO 90Views 242026-09-28 09:01:03

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#Youth Leap Account#Youth Future Savings Plan#Second Round#Switching Accounts#Account Closure

Auto Select · publishedHow Much Would Your Mortgage Limit Decrease With an Annual Salary of KRW 50,000,000 and an Existing Personal Loan of KRW 30,000,000?

How Much Would Your Mortgage Limit Decrease With an Annual Salary of KRW 50,000,000 and an Existing Personal Loan of KRW 30,000,000?

Even with an annual income of KRW 50,000,000, an existing personal loan can significantly reduce your mortgage borrowing limit. Under the banking sector's DSR limit of 40%, your annual debt repayment capacity is KRW 20,000,000, but an existing personal loan uses up part of that allowance first. In particular, as of September 2026, the minimum stress interest rate for mortgages in the Seoul metropolitan area and regulated areas is 3.0%.

Economy and financeAutomatic analysisInternal SEO 90Views 392026-09-26 17:01:27

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#Annual Salary#50 Million Won#Personal Loan#30 Million Won#Existing Loan

Auto Select · publishedHow to Calculate the Average Price of Accumulation Candles in Stocks and Crypto: Trading Value ÷ Volume vs. the 'Average Cost of Major Players'

How to Calculate the Average Price of Accumulation Candles in Stocks and Crypto: Trading Value ÷ Volume vs. the 'Average Cost of Major Players'

When calculating the average trading price of a period identified by accumulation candles, you can divide the total trading value of the selected candles by their total trading volume, provided both figures are available. As of 2026-09-23, this represents the volume-weighted average price of all trades executed during that period and must be distinguished from the actual average purchase price of a particular major player, whale, or account. Even when looking at the same chart, the calculated average price

Economy and financeAutomatic analysisInternal SEO 92Views 302026-09-23 23:33:37

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#Stocks#Cryptocurrency#Accumulation Candles#Average Cost#Calculation Methods

Auto Select · published쇼트트랙

쇼트트랙 서울 월드투어 티켓 예매 언제 열리나? 11월 20~22일 확정, 예매처·가격은 아직 미공개

2026년 9월 23일 21시 기준, 2026/27 ISU 쇼트트랙 월드투어 서울 대회는 11월 20~22일 서울에서 열리는 3차 대회로 확정돼 있습니다. 다만 ISU 공식 이벤트 페이지에는 현재 서울 대회의 티켓 예매 링크·가격·판매 시작 시각·구체적인 경기장·세션별 시간표가 표시되지 않습니다. 따라서 아직은 예매 오픈

Economy and financeAutomatic analysisInternal SEO 88Views 402026-09-23 21:04:11

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#쇼트트랙#서울#월드투어#티켓#예매

Auto Select · published5 Indicators to Use with RSI: Why Moving Averages and Trading Volume Come First

5 Indicators to Use with RSI: Why Moving Averages and Trading Volume Come First

RSI is a momentum indicator that shows the speed and strength of price changes, so RSI alone cannot fully assess trend direction, trend strength, trading participation, and volatility. An easy approach is to start with moving averages and trading volume, then add ADX, Bollinger Bands, or MACD when necessary. An RSI reading above 70 does not necessarily mean prices will immediately fall

Economy and financeAutomatic analysisInternal SEO 89Views 402026-09-23 19:48:04

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#RSI#Indicators#5 Types#Moving Averages#Trading Volume

Auto Select · publishedLee Jae-myung's Youth Day Address: A Dedicated Youth Policy Organization Under Consideration and Solutions to Employment and Housing Challenges

Lee Jae-myung's Youth Day Address: A Dedicated Youth Policy Organization Under Consideration and Solutions to Employment and Housing Challenges

President Lee Jae-myung said at the Youth Day ceremony on 2026-09-19 that he was considering establishing a separate organization to oversee youth policies. However, the announcement did not confirm the creation of such an organization; the proposal remains under consideration. Expanding opportunities for young people in employment, education, housing, and asset building was among the main topics discussed. President Lee Jae-myung emphasized that youth issues are not problems affecting only one generation but are closely connected to South Korea's future.

Economy and financeLatest IssuesInternal SEO 94Views 252026-09-19 21:04:20

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#Lee Jae-myung#Youth#Commemorative Address#Youth Policy#Dedicated