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Buying your own home, lending is different. Regulated in Seoul and 12 other cities, LTV 40%, DSR for all household expenses, land transaction permit + 2 years of actual residence. Stress rate increased to 3%, so the limit may be reduced. Check your borrowing capacity before signing a contract. #realestate #loanregulation #LTV #DSR #LandTransactionPermit #ResidentialResidencyRequirements #Pre-Mortgage #MakingMyHome #SeoulReal Estate #GyeonggiReal Estate