- Benefit
- Up to KRW 240,000,000 per household (within 80% of the lease deposit; KRW 300,000,000 for contracts before June 27, 2025). Special interest rate of 1.3~4.3% per year (by income and deposit size). The special interest rate is extended up to 12 years for each additional birth. Eligible homes: 85 m2 or less of exclusive area (100 m2 in rural eup/myeon areas outside the metropolitan area), deposit within KRW 500,000,000 in the metropolitan area and KRW 400,000,000 outside it.
- Who is eligible
- Homeless household heads who gave birth within 2 years of the loan application date (children born on or after Jan. 1, 2023). Combined annual income of spouses of KRW 130,000,000 or less (KRW 200,000,000 or less for dual-income, each at KRW 130,000,000 or less). Net assets of KRW 345,000,000 or less (2026 standard, average for households in the 3rd income quintile per Statistics Korea).
- When to apply
- Households that had a childbirth (including adoption) within 2 years of the loan application date. Apply at a trustee bank after the lease contract.
- How to apply
- Visit a Housing and Urban Fund trustee bank to apply. Check product guidance on My Home Portal (마이홈포털) / the Housing and Urban Fund (주택도시기금).
- Important notes
- You cannot apply after 2 years have passed since childbirth. You must apply after the lease contract and before the balance payment date (check each bank's application deadline).
- Note
- Same income criteria as the Newborn Special Didimdol, but the net asset criterion is separate (KRW 345,000,000).
Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.