2026-09-19 · YN 상세페이지

How to Increase Your Credit Loan Limit: What You Shouldn’t Miss

This summarizes essential points you need to know about increasing your credit loan limit. The lending field is one where knowledge makes a significant difference, so we have included everything from basic concepts to actual procedures, costs, and common mistakes in order.

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Loans have an interest rate of 0.

Why You Need to Check How to Increase Your Credit Loan Limit

A difference of 0.5% in interest rates can mean hundreds of thousands of won in a few years. Even with the same income and collateral, the limit and interest rates vary depending on the products you choose and the order you prepare them in. If you rush to get a loan from just anywhere, the losses can be significant, so preparation before applying is money.

Basic Concepts You Should Know First

Loans are broadly divided into secured loans (collateral such as homes or jeonse deposits) and unsecured loans (based on income and credit score). Key indicators include DSR (Debt Service Ratio), LTV (Loan to Value Ratio), and DTI (Debt to Income Ratio). DSR is the ratio of your income to annual principal and interest payments, and due to this regulation, income affects the limits.

Check Your Credit Score and DSR First

Check your credit score for free using services like Toss, Kakao Bank, or Nice Credit. By dividing the annual principal and interest of existing loans by your income, you can roughly calculate your DSR and see the possible limits.

Check Eligibility for Policy Funds

If you meet the conditions, the interest rates are significantly lower than those of commercial banks. Check your eligibility for housing funds (Jeonse supports, home purchase supports) and products for young people first. Many people qualify but are unaware and go to commercial banks instead.

Compare Rates from at Least 3 Banks

Each bank has different preferential interest rate conditions (salary transfers, card usage, subscription savings), so the actual applied interest rates vary. Checking limits at multiple places won’t significantly affect your credit score in the short term.

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Prepare Documents and Execute

Preparing income verification (withholding tax receipts, income certificates), employment certificates, and property registration details in advance will speed up the execution. For Jeonse loans, a contract and deposit receipt, as well as landlord consent, may be required, so schedule comfortably.

Where Is the Money Going? — Cost Structure

In addition to interest rates, you need to include early repayment fees (typically incurred if repaid within 3 years) and ancillary costs such as stamp duty and appraisal fees in the total cost. Variable rates may seem low now, but they can become burdensome during interest rate hikes, while fixed rates are stable but slightly higher initially. The longer the repayment period, the lower the monthly burden, but the total interest increases.

Avoid These Common Mistakes

Common mistakes include: ① Not checking eligibility for policy funds and going to a commercial bank first, ② Executing actual loans simultaneously from multiple places, thus blocking your own DSR, ③ Switching loans without knowing about early repayment fees, ④ Skipping landlord cooperation and registration checks for Jeonse loans. Especially with Jeonse, signing contracts without confirming mortgage and priority can put your deposit at risk.

Long-term Helpful Management Tips

Executing the loan is not the end. During interest rate declines, you can reduce interest through refinancing, and if your credit score improves, you can exercise your right to request a rate reduction. Check once a year to see if your loan interest rates are reasonable compared to the market. ※ This article is for general informational purposes, and systems, figures, and rates may change. Always verify actual application criteria with the official guidance of the relevant institution or through expert consultation.

Comparison of Loan Types

Category	Interest Rate	Key Conditions
Policy Funds (Funds)	Lowest	Must meet income and asset requirements
Secured Loans	Low	Collateral required, subject to LTV regulations
Unsecured Loans	Medium	Based on income and credit score, affected by DSR
Card Loans/Cash Services	High	Only for urgent needs, risk of credit score drop

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💡 TIP

Do not create any credit card delinquencies in the three months before applying for a loan. Even a single day of delinquency will affect your credit score. While it’s okay to check limits at multiple places, be cautious with "execution" — executed loans are immediately reflected in your DSR.

✅ 체크리스트

I have checked my credit score
I have checked my eligibility for policy funds
I have compared rates from more than 3 banks
I have checked early repayment fees
I have prepared income verification documents

📌 핵심 요약

The key to increasing your credit loan limit is ① Understanding the basic concepts → ② Checking your situation → ③ Comparing and deciding → ④ Periodic checks. Common mistakes include ① Not checking eligibility for policy funds and going to a commercial bank first, ② Executing actual loans simultaneously from multiple places, thus blocking your own DSR, ③ Switching loans without knowing about early repayment fees, ④ Skipping landlord cooperation and registration checks for Jeonse loans. Following the above checklist can help you avoid most losses.

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FAQ

Does checking loan limits multiple times lower my credit score?

Simple limit checks have little impact on your credit score. However, an increase in actual loan executions can affect it.

Which is better, fixed interest rates or variable interest rates?

In times of rising interest rates, fixed rates are better; in times of falling rates, variable rates are advantageous. If predictions are difficult, decide based on repayment periods and your risk tolerance.

What is DSR?

It is the ratio of all annual principal and interest payments of loans to your annual income. If this ratio exceeds regulated limits, additional loans become difficult.