- Benefit
- Combined annual income of the couple: KRW 60,000,000 or less generally (KRW 70,000,000 for first-time buyers and 2-child households, KRW 85,000,000 for newlyweds). Net assets of KRW 511,000,000 or less. Home price of KRW 500,000,000 or less (KRW 600,000,000 for newlyweds and 2-child households), exclusive area of 85㎡ or less (100㎡ in eup and myeon outside the Seoul metropolitan area). Limit: general KRW 200,000,000, first-time buyers KRW 240,000,000, newlyweds and 2-child households KRW 320,000,000. LTV 70% (80% for first-time buyers), DTI 60%. Interest 2.85-4.15% by income (as posted by HF as of October 2026), minus 0.2 percentage points in provincial areas. 10, 15, 20 or 30 years.
- Who is eligible
- Household heads where all household members are without a home, who meet income, net asset and home price requirements and live in the home themselves
- When to apply
- Apply at the bank after the home purchase contract (ad hoc)
- How to apply
- Branch of a Housing and Urban Fund trustee bank. nhuf.molit.go.kr, HF 1688-8114 (rate inquiries)
- Important notes
- Apply after the purchase contract and before the balance payment (check bank guidance)
- Note
- Preferential rates: families with many children up to 0.7 percentage points, first-time buyers and newlyweds 0.2 percentage points, etc. Conditions exclusively for newlyweds and youth are handled separately. Regulated areas and fund limits change frequently.
Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.