How to do Texas Hold ’em? Do six ring 오프라인홀덤


Real Texas Hold ’em is a 오프라인홀덤 구글 검색창에 홀덤다모아 

With the advent of online poker, 6-player 6-ring games became more popular than 9-player games. This is because, in the case of 9 players, waiting for an excellent hand to come in can be tedious, and in the case of a 6-ring, if you do not play with a broader hand range, you only lose blinds.

Even with the same Texas Hold ’em, the strategy varies depending on how many players play. For example, people who are good at 6-ring are good at 9-ring, but people who are good at 9-ring are often not good at 6-ring.

To become an absolute Texas hold’em master, start with a six-player cash game.

And let’s take a closer look at the reason from now on.

Two forms of online cash games

Online cash games are mainly divided into two types. : Full 링게임 오프라인홀덤, usually nine players at a table, and six hands, with a maximum of 6 players per table. Would a complete circle or six hands be better if given a choice? First, let’s look at the differences between the two.

First of all, in theory, you can think of a 6-hand as the first three people folding in a full ring game. Would such a situation be different with a six-hand?

Theoretically, it can be said to be the same. The blinds are the same, the number of players remaining is the same, and the stack of players does not change. Everything is the same except that the three players fold.

Because the three of them folded, their hand would have been wrong, and it could be argued that the odds of getting a better card from your house increased.

But this also doesn’t make sense. Let’s say a player folds A4, and a player folds K6. Then your chances of getting a better card will be lower than higher.

In a short position, you usually play with a better hand than your back position, so even if you have one high card, you are more likely to fold.

Theoretically, the six-hand play and the situation described a while ago are the same, but the play method is not the same or similar. The two games have different ways of playing, which is fundamental.

Reason 1: Players have a more comprehensive range of play on six hands.

Range refers to the content of hands being played in a particular situation.

For example, if you’re under the gun at a full ring table, the range of opening hands you’ll play is very small. Generally, only 5% to 7% of hands play under the gun.

Because if you place an opening bet on a short position, you want to have the best writing on the table.

If eight players are in the back waiting for their turn, the probability that their hand is worse than their 5% top hand is 95% with one player and 90% with two players.

0.9025 = 0.95 X 0.95

If you count eight people, you get about 66%

0.6634 = (0.95)8

So, if you open a bet on Under the Gun with the top 5% of the hand, it’s likely to be the best hand on the table (pockets 8 or 9, A J suited, or better).

The odds are very different if you open bet even with the top 10% hand. The odds of the best hand drop to 43%.

So, if you open a bet with a hand that is not in the top 10%,

(e.g., A 9 suit, Q 10 suit, etc.), 강남 오프라인홀덤 You should expect to have a better hand than you among the other players.

The more players fold in front of you, the more likely you are to be the best hand, and the more comprehensive the range of hands you can play.

For example, if everyone folds down to the small blind, a hand like the Q 10 offsuit would be playable with the big blind.

In a full ring game, the hands played by fast players are minimal. As a result, most players, even in good positions, are less likely to call unless they have good hands. The result is a very tight game.

However, at the 6-hand table, only five players are behind the under-the-gun player. This increases the range of hands to open bet on.

As a result, the content of indicators from which players behind will call their chances is also increased.

A lot of raises from behind will also result in a re-raise bluff that makes good hands fold. (This re-raise is sometimes referred to as a triple bet.)

The result is a more extensive range of hands that players play, and more action is formed in the game. That’s why you have to choose more carefully, and it feels like a lot of pressure on the weaker players.

Would the same level of action and aggression be achieved if the first three people fold in a full-오프라인홀덤 링게임? https://오프홀덤.com

In theory, the same situation, but in practice, it is not. Occasionally, even in high-level competitions.

Most of the entire ring players get used to playing slowly and tightly, so even if a few people fold in front or the number of players on the table decreases due to empty seats, they cannot adapt to it.

Reason 2: Multi-table is more difficult with six hands.

When you play online, you don’t just have to play at one table. You can play on as many tables as you want. This is called a multi-table. Because it takes longer for a turn to come in the entire ring than six hands, you can participate in many tables more comfortably with the whole crew. Even a player who quickly plays an eight full ring table will have to adjust to a 5 or 6 6 hand table on six hands.

Reason 3: The blinds are less disadvantaged on the 6th hand.

In a full ring game, the blinds lose money. It is a full-ring game where seven people do not lose money even if they do not have to bet. The 6-hand game has the same principle: the blinds lose money but lose less than the pool-ring game. The reason is simple. This is because the possibility that your opponent is a good hand is lower in 6 hands. But to use this, you must play more actively with the handheld by the blinds.

Reason 4: 6-hand requires more skill.

Athletes who play tight and regular (also known as ABC poker) can make good, if not significant, full-ring games. However, in a 6-hand game, more action and more ability to respond to aggression are needed to bring the same income.

The most important question is whether you want to be successful as an online player, full ring, or six hands.

6-Hand explained why more skill is needed. But that doesn’t mean you should go out and play a six-hand game. The problem is that 6-hand requires more talent, but there are more talented players in 6-hand games.

If you’re good at the level you’re playing at; you’ll be able to get a similar income if you go 6-hand.

(But if you look at the results, you will see that the range of hands you are playing has increased, and the more hands you play, the more showdowns and all-ins you will see.)

To be a great player, you must first focus on the 6th hand. Choosing which game you want to play only after you have mastered it is best.

Even if you play in the entire ring, the skills you developed in 6 hands will be beneficial.

While the players go back and forth, the whole ring table also has a lot of time to go back to 6-7 people.

In this situation, players familiar with six hands have an advantage over other players.

Most popular 카지노사이트 table games

Extra – Variant of 오프라인홀덤 동전방


Pineapple Hold ’em is all the same as Texas Hold ’em, except that you take the first three cards and discard one pre-flop.

Depending on the region, you may receive the first five cards, but the default is three pineapples. Discard one of the three cards, and compete with five community cards and two pocket hands.

Unlike Omaha Hold ’em, you can freely use seven pineapples to make a hand. In other words, no rule requires you to combine 2 of your hand and 3 of your community cards. Pineapples are again divided according to when one of the three cards is discarded.

Crazy Pineapple: Discard one card from the flop.

Lazy Pineapple: Discard a card from River or Showdown. She also called Tahoe.

Super Holdem: A method of playing with a total of 8 cards without discarding one of the three cards.

Pineapple Hold ’em uses a lot of cards, so there is a high probability of high-grade hands appearing. Rage Pineapple Hold ’em carries three cards to the end, so there are many opportunities to develop into various hands. A hand with a higher rating is more likely to appear than discarding a card pre-flop. Inevitably, the most important thing is to discard which of the first three cards to create a mighty hand. Usually, it is essential to discard the lower-numbered card and aim for a pair.

Hold’em Basic Strategy for Sports 오프홀덤 mental game

Greek Holdem

Same as 서울 오프라인홀덤, but with a difference in how the community cards are used. Instead of freely choosing five cards out of a total of 7 cards, you must use two pocket hands unconditionally. Two pocket hands and three community cards are combined to form a hand. Since you must use two pocket hands, the overall height of the writing is inevitably lowered, while the value of a fair hand is very high.


This is a hold’em variant that was popular in Australia. Play 1 deck of 32 cards with all 2-6 cards removed. Also, unlike Texas Hold ’em, which reveals three cards on the flop, five cards are shown one at a time, and you can take action on betting each time you show them. That’s two more actions than Texas Hold ’em.

Royal Holdem

Same as Texas Hold ’em, but with only A, K, Q, J, and ten cards. Since there are only 20 cards in total, the number of possible hands is minimal, and the probability of appearing in pairs is exceptionally high. A hand rarely seen in Texas Hold ’em like a 4 card will appear.

The probability is also high. Since there is a high probability that your opponent and your hand are similar, it is one of the most fiercely contested hold’em.

Short Deck

They are also known as Six Plus 경기 오프라인홀덤. Proceed with all cards numbered 2-5 removed from a deck of cards. By removing 16 cards, you proceed to 36 cards. Compared to Texas Hold ’em or Omaha Hold ’em, the element of luck is firm.

This is not always the case, but you pay an Ante instead of the blind amount in many cases. If you pay an ante, the dealer button position is obliged to pay twice the Ante amount, and you can take action from the small blind place. As the number of cards is reduced by about 70%, most cases are conducted with 5-6 people.

Short Deck Holds ’em is one of the unique variations of Texas Hold ’em. There are quite a few differences from the rules of 강남 오프라인홀덤 동전방

The most typical example is the reversal of a flush and a whole house. By removing 4 out of 13 cards, the probability of flush appearance is lowered, and the likelihood of occurrence of the same number is increased, so the rampant grade is higher than that of the whole house. That’s why “Flush Beats Full House” is the epitome of short decks.

Also, as 2, 3, 4, and 5 cards are removed, the probability of making a high number increases and appearing in a high hand increases. In particular, since the odds of a straight are very high, the expected win rate of connectors is much higher than a hand that can aim for a pocket pair or a top pair. The odds of winning the AK hand and the JT hand are similar.

Because the odds of a straight are so high, a triple (Three of a Kind) is sometimes considered a more substantial hand than a straight. The lowest straight is the A-6-7-8-9 hand. Since there is a high probability of a serial or full house appearing after the flop, there is a high rate of betting all-in on the failure to induce the opponent to fold.

Premium hands, represented by AA hands, are not very powerful. Players’ win rates fluctuate considerably whenever a community card is revealed so that you can feel exhilarating fun like baccarat; the more robust the element of luck, the more Chinese people like it. With the growing popularity of Texas Hold ’em, the popularity of Short Deck Hold ’em is also on the rise.

Ultimate Texas 오프라인홀덤 정보방

A variation on playing Texas Hold ’em at the casino. This game was developed in 2009 by Bally Technologies, a professional slot game producer. Like any other casino-only poker, you play 1:1 against the dealer regardless of other players.

Ultimate Texas Hold ’em has no turns and is played in three stages: pre-flop – flop – river. Then, on the last river, reveal the remaining two community cards. This means that the number of bets is reduced by one.

Players bet the same amount on the Ante and the blinds, and if they raise, they place additional chips in the Play area. If you win, you get an ante and 1x your play amount. Blinds are a mandatory bet that pays extra for a hand that is straight or better but is similar to a side bet.

However, as with other casino poker games such as Caribbean Stud, Three Card Poker, and Four Card Poker, conditions for a regular match are attached. To receive 100% of the winnings, the dealer must ultimately have a hand of one pair or more. Otherwise, the ante amount will be refunded.

The most significant difference is the bet amount limit. Ultimate Texas Hold ’em is a fixed limit system, so betting limits are set according to the game stage.

Pre-flop: Ante amount × three or × 4

Flop: Ante Amount × 2

River: Ante amount × 1

Where to get a 소액대출 for the unemployed and freelancers


1. Where unemployed mobile 소액대출 are available

Mobile microloan for unemployed people Woori Bank Woori Emergency Loan
It is a product that determines whether a loan is possible by using the telecommunication rating regardless of occupation or income.

1 Because it is a loan from a financial institution, the interest rate is also low.

The maximum loan limit is 3 million won, and the interest rate is 4.5% per annum.

The loan term is up to one year, and the loan can be repaid by repayment at the maturity date.

소액대출 추천 Summary of telecommunication grade loan products (Nonghyup and Woori Bank emergency loan)

1Financial sector mobile microloan Shinhan Bank Sol Pyeon Handy Emergency Loan

For a convenient emergency loan, you must be able to obtain an insurance policy from Seoul Guarantee Insurance.

You can apply for KCB grades 1-6 or if the credit rating of Seoul Guarantee Insurance is between grades 1-5.

The maximum loan limit is 2 million won, and the interest rate is 3.8% per annum.

The loan term is one year and can be extended up to 10 years.

The repayment method is the repayment at the maturity date.

Mobile Loan Kakao Bank Emergency Loan

Kakao Bank Emergency Loan is also available regardless of occupation or income, so it is a mobile microloan product that can be used by unemployed people as well.

Loan limits range from 500,000 won to a maximum of 3 million won, with interest rates ranging from 3.4% to 13.9% per annum.

The loan term is one year, and the repayment method can be repaid at the maturity date.

Kakao Bank Minus Passbook Loan Conditions, Limits, Interest Rate Summary

A small loan of KRW 500,000 Hana Bank Hana OneQ Emergency Loan
It is one of the small numbers of simple loan products available at Hana Bank.

Those who are 19 years of age or older and those who can issue insurance policies from Seoul Guarantee Insurance can apply for unemployed persons.

The maximum loan limit is 3 million won, and the interest rate is 5.2% per annum.

The term of the loan is one year, and the repayment method is a lump-sum repayment at maturity.

Hana OneQ Emergency Loan Review: Easy Loan for Unemployed

1 million won small loan Finck emergency loan
This is a micro-loan product created jointly by DGB Daegu Bank and Finck, a financial institution.

It is a no-document, no-visit loan that can be used regardless of occupation or income and does not require any documents to apply.

The maximum loan limit is 3 million won, and the interest rate is 3.08% per annum.

The term of the loan is one year, and the repayment method is repayment at maturity.

For reference, the loan limit differs depending on when you borrow with lump-sum repayment and when you borrow with a negative bankbook.

Please note that the maximum loan limit is 3 million won in the case of lump-sum repayment and up to 1 million won in the case of a harmful bankbook method.

Simple 소액대출 후기 NH Nonghyup All One Emergency Loan

It is a loan product that determines whether a loan is possible through the communication grade. Of course, keep in mind that occupation and income are irrelevant.

The maximum loan limit is 500,000 won to 3 million won, and the loan interest rate is 3.5% to 4.5% per annum.

The loan term is three years without a deferral period, and the repayment method can be repaid in equal installments of principal and interest.

Nonghyup Loan for Unemployed: All-One Emergency Loan Available to Non-Income People
Non-face-to-face small loan Cider bank small negative bankbook loan
Regardless of occupation or income, any Korean citizen over the age of 20 who has passed the personal credit evaluation criteria can apply.

The maximum loan limit is 5 million won, and the interest rate is 6.9% to 16.5% per annum.

The loan term is one year and can be extended up to 5 years.

The repayment method is the repayment at the maturity date.

Cider Loan Summary of loan products available to unemployed people

ID card microloan KB Savings Bank kiwi emergency fund loan
It is a micro-loan product that can be used on PC, mobile, and branch offices.

It is a product that has the advantage of being able to easily inquire how much the loan limit is available without an official certificate.

The loan limit is 3 million won, and you can apply in 500,000 won increments. And you can use up to 2 accounts.

The loan interest rate is 8.9% to 19.4% per annum, and the loan term is one year.

If you wish to extend the loan period, you can extend the loan period up to 5 years.

Loan repayment is possible through negative repayment or lump-sum repayment.

There is also no fee charged when using the Kiwi Emergency Loan.

It will be easy to use because the document you need to prepare when applying for a loan is one identification card.

Shinhan Savings Bank Novelty 500 Loan

This is Shinhan Savings Bank’s  간편 소액대출 product that those can use over 19 years of age with proof of income and those with a NICE credit score of 590 or higher.

The maximum loan limit is 100,000 won to 5 million won, and the loan interest rate is 11.9% to 19.9% ​​per annum.

I think it is a valuable product for those who need a small amount of money because loans are available from 100,000 won.

The loan period can be selected from 1 to 5 years, and the repayment method can be repaid in equal installments of principal and interest.

Small Loan Unemployed – Lotte Capital Elon (Loan by Credit Card Holders)
Lotte Capital Elon is a product that can borrow up to 60 million won if you prove your real estate.

The loan limit is very high compared to other small loans.

The interest rate for the loan is 7.1% to 19.9% ​​per annum, and the loan period can be selected from 1 to 6 years.

Loan repayment can be made in equal installments of KRW (li).

For reference, Lotte Capital Elon can be applied by those who have a credit card and have a history of using it.

If you currently have a credit card and have used it, you may be eligible for a loan.

Where you can get a small loan Korea Capital Super 모바일소액대출
It is a capital microloan product that can borrow from a minimum of 1 million won to a maximum of 5 million won.

The loan interest rate is 16.1% to 19.9% ​​per annum, and the loan period can be selected from 1 to 3 years.

Loans can be repaid through equal amortization of principal and interest or equal amortization of principal, and this product is intended for homemakers and unemployed people.

The documents you need to prepare when applying for a loan are ID cards and a copy of resident registration.

Easy place to get a 300,000 won small loan – OK Savings Bank Women’s OK Loan.
It is a loan product from 2 Financial Savings Bank that allows you to borrow from a minimum of 100,000 won to a maximum of 50 million won.

The loan interest rate is set between 15.9% and 19.99% per annum, and you can choose one of the repayment methods among lump-sum repayment, equal principal and equal amortization, and equal principal repayment method.

You can choose the loan term from 1 to 5 years.

Loan conditions include office workers with a NICE credit score of 351 or higher, personal bosses, free vocational earners, dispatched workers, contract workers, homemakers, etc.

Top 31 places where loans of 300,000 won and 토스 소액대출 are possible (must read for unemployed people, college students, etc.)

Where you can get a 소액대출 of 500,000 won – SBI Savings Bank Medium Interest Loan
Loan limits range from a minimum of 1 million won to a maximum of 150 million won.

Loan conditions include employees with more than six months of service, those between the ages of 23 and 60, those with Korean nationality, and those with a NICE credit score of 350 or higher.

The interest rate on a loan is between 5.9% and 16% per annum, and repayment can be made in equal installments of principal and interest or equal installments of principal.

You can choose the loan period from 12 months to 108 months.

Where you can get a small loan of 100,000 won – Finck Loan for Living Expenses

The Finck Living Expense Loan is a product created by Finck and Hana Bank, the first financial institution.

So, the loan application is made through the Finck app, and the loan review is conducted at Hana Bank.

You must be 19 years of age or older and have Korean citizenship. You must also pass the loan screening conducted by Hana Bank.

For your reference, the evaluation proceeds quickly because it is conducted automatically.

The maximum loan limit is KRW 5 million, and the loan interest rate is from 3.917% per annum to 13.937% per year at maximum.

The loan period is one year when repayment is made by lump-sum compensation and can be used from 1 to 5 years when a refund is made in an equal installment of principal.

There are no prepayment cancellation fees or required documents.

Information on 후순위아파트담보대출

Where you can borrow 50,000 won, you can also borrow 30,000 won (refer to this when you need urgent money)

1 Micro-loan product for unemployed people in the financial sector

Kakao Bank Emergency Loan

Loan conditions – Koreans aged 19 years or older who can receive insurance policies from Seoul Guarantee Insurance
Loan limit – 500,000 won to 3 million won
Loan period – 1 year (the term can be extended)
Loan repayment method – lump-sum repayment, negative account repayment
Loan interest rate – 3.4% to 13.9% per annum
Early redemption fee – none
This is a Kakao Bank micro-loan product that can be used by those who can get insurance policies from Seoul Guarantee Insurance.

Since you can apply regardless of your occupation or income, anyone who meets the loan conditions can apply.

1 This is a small loan from the financial sector so that you can use it at a low-interest rate.

Woori Bank Woori Emergency Loan

Loan conditions – Those who can calculate the communication grade (SKT, KT, LG U+ telecommunication company users can figure it), those who are within the CB section 1 to 6
Loan limit – up to 3 million won
Loan period – 1 year
Loan repayment method – lump-sum repayment, freely used and repaid within the limit
Loan interest rate – 4.5% to 12% per annum
Early redemption fee – none
This is a Woori Bank micro-loan product that can be used by those who can calculate the communication grade.

Loans of up to 3 million won are available, so it is a suitable product for those who need a small loan.

Because mobile loans are available, you can apply for a loan face-to-face.

NH Nonghyup Bank All One Emergency Loan

Loan conditions – Those with a Telco communication rating of 9 or less, only individuals can borrow, regardless of occupation or income
Loan limit – 500,000 won to 3 million won
Loan period – 3 years
Loan repayment method – repayment in equal installments of principal and interest
Loan interest rate – 3.5% to 4.5% per annum
Early redemption fee – none
This is a micro-loan product of Nonghyup Bank that can be applied for by those with a communication rating of 9 or less.

You can borrow up to 3 million won, and you can use it for up to 3 years.

You can apply for a 대출커뮤니티( https://모든대출.com ) loan 24 hours a day so that you can apply at any time.

Information on 후순위아파트담보대출


What is a 후순위아파트담보대출? First, we have summarized how different subordinated apartment mortgage loan conditions and interest rates differ by the financial sector, including when and how much-subordinated mortgages can be obtained by taking additional loans while already having secured loans.

What is a 후순위아파트담보대출 금리?

I have taken out a loan with my apartment as collateral, and taking an additional loan on top of that is called a subordinated mortgage.

Dividing the apartment mortgage loan into senior and subordinated categories is when you must forcibly collect the loan when failing to pay the debt. You can think of it as the order of collection.

For example, suppose you receive 300 million won in a 1 billion won apartment mortgage loan from the 700 million subordinate in the seniority.

In that case, you must first repay the 700 million won loan to the senior and receive 300 million won in the subordinated apartment loan out of the remaining 300 million won.

Suppose there is a reason, such as a fall in apartment price or a lower auction than when receiving an apartment-secured loan.

In that case, the subordinated financial institution cannot return the loan, so for high-risk reasons, the subordinated mortgage loan This interest rate is high.

If you borrowed 1 billion won from the senior and the subordinated 300 million, but the apartment had an auction price of 800 million, the old collateral loan would be repaid 700 million won first.

The subordinated loan would only be able to recover 100 million even after borrowing 300 million won.

후순위아파트담보대출 조건 are available to individual business owners, corporate business owners, unemployed people, and apartments and real estates such as officials, villas, and detached houses.

However, this does not necessarily mean that the interest rate is higher than that of the senior secured loan, and it can be used at a low-interest rate depending on the loan amount and conditions.

When you need a 후순위아파트담보대출 후기

1. When you need funds but there is a limit to your credit loan

2. When other loans are impossible due to low credit rating

3. When repayment of subordinated apartment mortgage loan interest rate is lower than the existing loan amount

Compare Subordinated Apartment Loans
The contents of the table below are subject to change.



Commercial banks indeed have the lowest interest rates, but they only lend up to 100 million won a year, and even that does not meet the LTV standards.

Also, most metropolitan areas are subject to regulation, so getting a loan from commercial banks is almost impossible.

*Commercial banks refer to the first financial institutions such as Woori Bank, Kookmin Bank, and Shinhan Bank.

*2 Financial sector refers to Saemaul Geumgo, savings bank, Nonghyup, Suhyup, post office deposits, capital, and credit card companies.

Two financial institutions are the best, and the lenders and PSP lenders are almost the same.

Interest is lower than lenders, but upfront costs such as handling fees are higher, and lenders have higher interest rates than PSPs but lower upfront costs.

Each has pros and cons, so choose according to the conditions that suit you. Still, please proceed after consulting accurately about additional costs such as fees for extension or repayment.

Even if interest rates are low, you can lose money if the additional costs are high.


What is LTV?

The loanable amount compared to the value of the collateral of the apartment is the percentage that can be borrowed compared to the market price of the apartment.

For example, if the market price of my apartment is 600 million won and the remaining mortgage loan amount is 200 million won, 300 million won (50% of 600 million won) based on 50% of the LTV of commercial banks – 200 million won = 100 million 후순위아파트담보대출 금리비교  possible no see.

Loan policy to change loan regulations from July 2022

– Reinforcement of DSR regulation
– Increase LTV for first-time homebuyers to 80%
– Abolition of credit limit regulation


1) Reinforcement of DSR regulation – 40% DSR applied for loans exceeding KRW 100 million

From July 2022, the 3rd stage of DSR regulation will be implemented for household debt management.

The DSR application target will be expanded to individual borrowers with a total loan amount of more than 100 million won.

The existing DSR regulation is a two-step regulation. First, if the total loan amount exceeds 200 million won, the annual principal and interest repayment should not exceed 40% of the annual income (50% of the second financial sector).

Since it was lowered to 100 million won, it can be seen that the regulation has been strengthened.

As the national debt rises, interest rates soar, and uncertainty rises,
It is interpreted as a will to manage household debt without solving the DSR.

What Is DSR?
DSR (Debt Service Ratio) is the total debt repayment ratio.

In other words, it is the ratio of how much money I can repay when considering the totality of other credit loans, student loans, car loans, credit installments, car installments, etc.
When reviewing a loan, the DSR ratio becomes more important as the loan limit is reduced compared to when the total debt service ratio (DTI) was assessed.

*DSR = Household loan principal and interest repayment (annual loan repayment amount + annual principal repayment amount of other loans) ÷ gross yearly income

*DTI = (annual principal and interest repayment of household loan + interest repayment of other loans) ÷ yearly total income

The ‘DSR by borrower’ was introduced to establish a loan practice centered on the repayment capacity and manage household debt risk.’ has been applied.

Phase 1: July 2021
For borrowers receiving loans over KRW 600 million or credit loans over KRW 100 million in all regulated areas

Phase 2: Early 2022
For borrowers whose total loan amount exceeds KRW 200 million

Phase 3: July 2022
For borrowers with a total loan exceeding 100 million won

However, excluding Jeonse Loan, Interim Payment Loan, Small Credit Loan, etc.

The above three-step DSR 40% regulation has a structure in which the loan limit is reduced when the income is low, so it is difficult for young people with low income to borrow.

Therefore, an improvement plan was also prepared to a countermeasure for ‘expansion of the recognition rate of future income.’

[Future Income Recognition Ratio]
Office workers aged 20 to 24: 51.6% of current income
25-29 years old office worker: 31.4% added to current income
Office workers aged 30-34 years: 13.1% plus

However, if you are over 35, the long-term income does not apply.

2) Expanded to 80% of LTV for first-time homebuyers

The 후순위아파트담보대출 ratio (LTV) limit for first-time homebuyers will be eased from 60-79% to 80%.

They ease the mortgage ratio to 80% LTV irrespective of housing location, house price, or income. However, the total loan limit is limited to KRW 600 million.

3) Abolition of credit limit regulation

Commercial banks are said to increase the loan limit to around 200% of annual income, and the low 200 million won.

The Nonghyup plans to provide credit loans of up to 270% of annual income or 250 million won.

As interest rates continue to rise, obtaining credit loans won’t be easy.
According to the tightening of DSR regulations, commercial banks are launching home mortgage products that have extended the loan maturity from 35 years to 40 years. The longer the maturity, the greater the likelihood of avoiding the DSR regulation, but since the interest burden also increases, it seems advantageous to obtain a loan after carefully considering the interest and principal according to the conditions.