Housing

Mortgage Principal Repayment Deferral During Parental Leave (육아휴직 중 주택담보대출 원금 상환 유예, Commercial Banks): How to Apply, Amount & Eligibility (2026)

Mortgage principal repayment deferral: up to 1 year initially, and if parental leave continues, it can be extended up to 2 times by 1 year each (up to 3 years in total). Interest continues to be paid.

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)

Who is eligible: The borrower or spouse is on parental leave as of the application date, at least 1 year has passed since loan execution, and the borrower owns a single home with a market price of KRW 900,000,000 or less.
When to apply: Applications accepted at banks from Jan. 31, 2026. Apply while you or your spouse is on parental leave.
How to apply: Apply by submitting a parental leave certificate and other documents to the lending bank (KB, Shinhan, Woori, Hana, NongHyup, etc.).
Important notes: The deferral ends when parental leave ends. Detailed criteria may differ by bank and product.
Note: Based on reports citing the Korea Federation of Banks announcement (some reports state the period differently -> check with the bank). Principal repayment deferral during parental leave is already in operation separately for policy loans such as Bogeumjari and Didimdol.

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

Mortgage Principal Repayment Deferral During Parental Leave (육아휴직 중 주택담보대출 원금 상환 유예, Commercial Banks): who can receive it?

The borrower or spouse is on parental leave as of the application date, at least 1 year has passed since loan execution, and the borrower owns a single home with a market price of KRW 900,000,000 or less.

Mortgage Principal Repayment Deferral During Parental Leave (육아휴직 중 주택담보대출 원금 상환 유예, Commercial Banks): how do I apply?

Apply by submitting a parental leave certificate and other documents to the lending bank (KB, Shinhan, Woori, Hana, NongHyup, etc.).

Mortgage Principal Repayment Deferral During Parental Leave (육아휴직 중 주택담보대출 원금 상환 유예, Commercial Banks): how much will I receive?

Mortgage Principal Repayment Deferral During Parental Leave (육아휴직 중 주택담보대출 원금 상환 유예, Commercial Banks): when can I apply?

Applications accepted at banks from Jan. 31, 2026. Apply while you or your spouse is on parental leave.