Loans · Finance

Bogeumjari Loan (보금자리론: Long-Term Fixed-Rate Home Purchase Loan): How to Apply, Amount & Eligibility (2026)

Home price of KRW 600,000,000 or less, annual income of KRW 70,000,000 or less (KRW 100,000,000 for newlyweds), limit KRW 360,000,000-420,000,000

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: Adult citizens with a credit score of 271 or higher, buying a home of KRW 600,000,000 or less to live in themselves, with no home or a condition to dispose of one home. Combined annual income of the couple of KRW 70,000,000 or less (up to KRW 100,000,000 for newlyweds, etc.). Limit KRW 360,000,000 to KRW 420,000,000, 10-50 years, LTV 70% and DTI 60%. Preferential rates of up to 1.0 percentage point for youth, newlyweds, families with many children and jeonse fraud victims.
Who is eligible: Adults without a home (or with a condition to dispose of one home) who meet the income and home price requirements
When to apply: Year-round (applications through banks)
How to apply: HF u-Bogeumjari Loan (online), Akkim-e Bogeumjari Loan, or a bank branch. 1688-8114
Important notes: After the purchase contract, follow the bank's guidance
Note: Based on HF guidance; rates and limits change from time to time. Products exclusively for youth and newlyweds are handled elsewhere.

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

Bogeumjari Loan (보금자리론: Long-Term Fixed-Rate Home Purchase Loan): who can receive it?

Adults without a home (or with a condition to dispose of one home) who meet the income and home price requirements

Bogeumjari Loan (보금자리론: Long-Term Fixed-Rate Home Purchase Loan): how do I apply?

HF u-Bogeumjari Loan (online), Akkim-e Bogeumjari Loan, or a bank branch. 1688-8114

Bogeumjari Loan (보금자리론: Long-Term Fixed-Rate Home Purchase Loan): how much will I receive?

Adult citizens with a credit score of 271 or higher, buying a home of KRW 600,000,000 or less to live in themselves, with no home or a condition to dispose of one home. Combined annual income of the couple of KRW 70,000,000 or less (up to KRW 100,000,000 for newlyweds, etc.). Limit KRW 360,000,000 to KRW 420,000,000, 10-50 years, LTV 70% and DTI 60%. Preferential rates of up to 1.0 percentage point for youth, newlyweds, families with many children and jeonse fraud victims.

Bogeumjari Loan (보금자리론: Long-Term Fixed-Rate Home Purchase Loan): when can I apply?

Year-round (applications through banks)