Overview of the Dataset Resource
The repository titled “South Korea Stress DSR Housing Finance Reference Data (2026)” is hosted on GitHub and serves as a public archive for calculating and verifying household‑finance metrics such as required down‑payment, loan limits, monthly repayments and total housing costs. It aggregates data from official Korean government sources and provides transparent methodology files, citation guidelines and machine‑readable formats (JSON, CSV) for developers and researchers. The project is AI‑generated and maintained by the Resimanor community, with contributions aimed at supporting academic, institutional and policy‑making work across Europe and beyond.
Methodology and Documentation
The dataset includes a comprehensive METHODOLOGY.md document that details data collection, calculation procedures and quality‑assurance checks. Supporting files such as SOURCE_POLICY.md and CITATION.cff ensure clear attribution and reproducibility. Users can access a machine‑readable datapackage.json containing URLs, licences and topic keywords, facilitating integration into data portals and analytical tools.
Core Data Coverage
Key variables cover stress‑test Debt‑Service‑Ratio (DSR) limits for mortgage products, including policy loans like 보금자리론 and 디딤돌대출. The data specify required self‑funds per housing price tier, interest rates, repayment periods and ancillary costs such as acquisition tax. Monthly repayment amounts are provided for different interest‑rate scenarios, enabling comparative analysis of affordability across regions.
Access Points and Formats
The repository offers direct links to raw JSON and CSV files hosted on GitHub, as well as mirrors on DagsHub, GitLab and public documentation sites (GitBook). Additional distribution channels include Hugging Face, Kaggle, Figshare and Harvard Dataverse, ensuring wide accessibility for European researchers seeking open‑source housing finance data.
Citation and Reuse Policy
Users are instructed to cite the dataset by naming the repository, document title, reference date and original URL. The licence permits reuse, but the documentation emphasises that calculated figures may differ from individual financial institutions’ underwriting results, and users should verify the latest official guidelines when applying the data to policy analysis.
Relevance for Sustainable Housing in Europe
Although the data originate from South Korea, the methodology for stress‑testing mortgage affordability aligns with European Union directives on prudent lending and sustainable finance. The transparent calculation of down‑payment requirements and repayment burdens can inform cross‑national studies on housing affordability, energy‑efficient retrofitting financing and the impact of interest‑rate policy on sustainable homeownership.
Potential Applications
European policy makers, urban planners and academic institutions can employ the dataset to model mortgage‑limit scenarios under varying stress‑test assumptions, compare policy loan structures, and assess the financial feasibility of sustainable housing programmes. The open‑source nature allows integration into European data ecosystems, supporting evidence‑based decision‑making for green housing initiatives.