Housing

Newborn Special Didimdol Loan (신생아 특례 디딤돌대출, Home Purchase Funds): How to Apply, Amount & Eligibility (2026)

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: Up to KRW 400,000,000 (within LTV 70%, DTI 60%). 1.8~4.5% per year (special interest rate by income level). Loan terms of 10, 15, 20, and 30 years. The special interest rate period is extended for each additional birth (up to 15 years). Eligible homes: 85 m2 or less of exclusive area (100 m2 or less outside the metropolitan area), KRW 900,000,000 or less.
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) (for refinancing, single-home household heads). Combined annual income of spouses of KRW 130,000,000 or less (KRW 200,000,000 or less for dual-income, with each spouse at KRW 130,000,000 or less). Net assets of KRW 511,000,000 or less (2026 standard).
When to apply: Households that had a childbirth (including adoption) within 2 years of the loan application date are eligible (children born on or after Jan. 1, 2023). Apply at a bank (Woori, Kookmin, Shinhan, Hana, NongHyup, and other trustee banks) after signing the home purchase contract. Cannot be applied for during pregnancy.
How to apply: Visit a Housing and Urban Fund trustee bank for consultation and application. Run a loan simulation on the Housing and Urban Fund (주택도시기금, nhuf.molit.go.kr) or My Home Portal (마이홈포털). Inquiries: Housing & Urban Guarantee Corporation (주택도시보증공사) 1566-9009.
Important notes: The child must be within 2 years after birth at the time the loan application is received. Some blogs' claims of 'income limit relaxed to KRW 200 million' and 'limit of KRW 500 million' differ from the official (My Home Portal, 마이홈포털) information, so please rely on the official guidance.
Note: For contracts from June 27, 2025, the limit was adjusted from KRW 500,000,000 to KRW 400,000,000 (My Home Portal standard). Refinance loans (for single-home household heads) are also partly possible. After the loan is executed, you must move in within 1 month and actually live there for 2 years or more.

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

Newborn Special Didimdol Loan (신생아 특례 디딤돌대출, Home Purchase Funds): who can receive it?

Homeless household heads who gave birth within 2 years of the loan application date (children born on or after Jan. 1, 2023) (for refinancing, single-home household heads). Combined annual income of spouses of KRW 130,000,000 or less (KRW 200,000,000 or less for dual-income, with each spouse at KRW 130,000,000 or less). Net assets of KRW 511,000,000 or less (2026 standard).

Newborn Special Didimdol Loan (신생아 특례 디딤돌대출, Home Purchase Funds): how do I apply?

Visit a Housing and Urban Fund trustee bank for consultation and application. Run a loan simulation on the Housing and Urban Fund (주택도시기금, nhuf.molit.go.kr) or My Home Portal (마이홈포털). Inquiries: Housing & Urban Guarantee Corporation (주택도시보증공사) 1566-9009.

Newborn Special Didimdol Loan (신생아 특례 디딤돌대출, Home Purchase Funds): how much will I receive?

Up to KRW 400,000,000 (within LTV 70%, DTI 60%). 1.8~4.5% per year (special interest rate by income level). Loan terms of 10, 15, 20, and 30 years. The special interest rate period is extended for each additional birth (up to 15 years). Eligible homes: 85 m2 or less of exclusive area (100 m2 or less outside the metropolitan area), KRW 900,000,000 or less.

Newborn Special Didimdol Loan (신생아 특례 디딤돌대출, Home Purchase Funds): when can I apply?

Households that had a childbirth (including adoption) within 2 years of the loan application date are eligible (children born on or after Jan. 1, 2023). Apply at a bank (Woori, Kookmin, Shinhan, Hana, NongHyup, and other trustee banks) after signing the home purchase contract. Cannot be applied for during pregnancy.