Housing

Home Ownership Didimdol Loan (내집마련 디딤돌대출) Preference for Newlyweds and Households with 2 or More Children (General Didimdol): How to Apply, Amount & Eligibility (2026)

This page is a translation of the Korean original and is for reference only. The official Korean guidance is the authoritative source for amounts and conditions, so be sure to confirm on the official website before applying. View Korean original (한국어)

Benefit: Loan limit KRW 200,000,000 in general (KRW 240,000,000 for first-time buyers), within KRW 320,000,000 for newlywed households and households with 2 or more children (LTV 70%, DTI 60%). Interest rate 2.85~4.15% per year. Interest rate preferences (cannot be combined): newlyweds 0.2%p (up to 5 years), first-time buyers 0.2%p, single parents (KRW 60,000,000 or less) 0.5%p, etc.
Who is eligible: Homeless household heads. Combined annual income of spouses of KRW 60,000,000 or less (KRW 70,000,000 for first-time buyers and households with 2 or more children, KRW 85,000,000 or less for newlyweds). Net assets of KRW 511,000,000 or less. Separate home price and area requirements (85 m2 or less of exclusive area, KRW 500,000,000 or less, etc. - check the product page).
When to apply: When buying a home, regardless of the timing of marriage or childbirth. Limits and income criteria are relaxed for newlywed households or households with 2 or more children. Used by households not eligible for the Newborn Special program (such as those more than 2 years after childbirth).
How to apply: Visit a Housing and Urban Fund trustee bank to apply. See My Home Portal (마이홈포털) product guidance.
Important notes: Income, assets, and interest rates may be revised quarterly or annually -> check My Home Portal before applying.
Note: Varies by income, region, and home price, and preferential rates cannot be applied together. Based on search summaries (My Home Portal product page snippets), so re-check the product page before applying.

Go to the official guide →

Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.

Frequently asked questions

Home Ownership Didimdol Loan (내집마련 디딤돌대출) Preference for Newlyweds and Households with 2 or More Children (General Didimdol): who can receive it?

Homeless household heads. Combined annual income of spouses of KRW 60,000,000 or less (KRW 70,000,000 for first-time buyers and households with 2 or more children, KRW 85,000,000 or less for newlyweds). Net assets of KRW 511,000,000 or less. Separate home price and area requirements (85 m2 or less of exclusive area, KRW 500,000,000 or less, etc. - check the product page).

Home Ownership Didimdol Loan (내집마련 디딤돌대출) Preference for Newlyweds and Households with 2 or More Children (General Didimdol): how do I apply?

Visit a Housing and Urban Fund trustee bank to apply. See My Home Portal (마이홈포털) product guidance.

Home Ownership Didimdol Loan (내집마련 디딤돌대출) Preference for Newlyweds and Households with 2 or More Children (General Didimdol): how much will I receive?

Loan limit KRW 200,000,000 in general (KRW 240,000,000 for first-time buyers), within KRW 320,000,000 for newlywed households and households with 2 or more children (LTV 70%, DTI 60%). Interest rate 2.85~4.15% per year. Interest rate preferences (cannot be combined): newlyweds 0.2%p (up to 5 years), first-time buyers 0.2%p, single parents (KRW 60,000,000 or less) 0.5%p, etc.

Home Ownership Didimdol Loan (내집마련 디딤돌대출) Preference for Newlyweds and Households with 2 or More Children (General Didimdol): when can I apply?

When buying a home, regardless of the timing of marriage or childbirth. Limits and income criteria are relaxed for newlywed households or households with 2 or more children. Used by households not eligible for the Newborn Special program (such as those more than 2 years after childbirth).