- Benefit
- Household heads without a home with combined annual income of KRW 50,000,000 or less for the couple and net assets of KRW 345,000,000 or less. Limit: within KRW 120,000,000 in the Seoul metropolitan area and KRW 80,000,000 outside it (within 70-80% of the jeonse deposit). Interest 2.5-3.5% per year (by income; preferential rates separate). Term 2 years (up to 10 years). Exclusive area of 85㎡ or less.
- Who is eligible
- Household heads where all household members are without a home, with combined annual income of KRW 50,000,000 or less for the couple and net assets of KRW 345,000,000 or less
- When to apply
- Within 3 months from the earlier of the lease balance payment date or move-in date
- How to apply
- Consult and apply at a branch of a Housing and Urban Fund trustee bank (Woori, Kookmin, Shinhan, Hana, NongHyup). nhuf.molit.go.kr, inquiries HUG 1566-9009
- Important notes
- A deposit of at least 5% must be paid after signing the contract. Apply within 3 months after the balance payment and move-in.
- Note
- Higher limits for newlyweds and families with many children (KRW 250,000,000 in the Seoul metropolitan area, etc.) are separate products. Rates change when the fund's rates are revised, so check at the time of application.
Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.