Housing

Principal Repayment Deferral for Policy Loans (Bogeumjari and Didimdol) (정책자금 원금상환 유예) - Households with Childbirth, Multiple Children, or Reduced Income: How to Apply, Amount & Eligibility (2026)

Principal repayment deferral. For Bogeumjari and qualified loans, up to 5 times and 5 years in total; for the Home Ownership Didimdol Loan, up to 3 times and 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: Users of the relevant policy loans who meet a deferral reason set by HF (job loss or business closure, income decrease of 20% or more, 2 or more minor children, childbirth within the last 3 years, serious illness, high medical expenses, etc.).
When to apply: After a certain period has passed since loan execution (9 months for Bogeumjari and qualified loans, 1 year for Didimdol), apply to the Korea Housing Finance Corporation when a deferral reason arises (Didimdol applications are received by HF).
How to apply: Korea Housing Finance Corporation website, the Smart Housing Finance app, or visit the local branch. Customer center 1688-8114.
Important notes: Interest must still be paid during deferral, and documents proving the reason are required. Make a final check of detailed requirements on the HF page.
Note: Deferral reasons include 'childbirth within the last 3 years' and 'households with 2 or more children under age 19' (HF guidance). The government has explained that principal repayment deferral during parental leave is already in operation for policy loans (see the separate item).

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

Principal Repayment Deferral for Policy Loans (Bogeumjari and Didimdol) (정책자금 원금상환 유예) - Households with Childbirth, Multiple Children, or Reduced Income: who can receive it?

Users of the relevant policy loans who meet a deferral reason set by HF (job loss or business closure, income decrease of 20% or more, 2 or more minor children, childbirth within the last 3 years, serious illness, high medical expenses, etc.).

Principal Repayment Deferral for Policy Loans (Bogeumjari and Didimdol) (정책자금 원금상환 유예) - Households with Childbirth, Multiple Children, or Reduced Income: how do I apply?

Korea Housing Finance Corporation website, the Smart Housing Finance app, or visit the local branch. Customer center 1688-8114.

Principal Repayment Deferral for Policy Loans (Bogeumjari and Didimdol) (정책자금 원금상환 유예) - Households with Childbirth, Multiple Children, or Reduced Income: how much will I receive?

Principal Repayment Deferral for Policy Loans (Bogeumjari and Didimdol) (정책자금 원금상환 유예) - Households with Childbirth, Multiple Children, or Reduced Income: when can I apply?

After a certain period has passed since loan execution (9 months for Bogeumjari and qualified loans, 1 year for Didimdol), apply to the Korea Housing Finance Corporation when a deferral reason arises (Didimdol applications are received by HF).