- Benefit
- Limit of KRW 150 million (KRW 120 million for single household heads under age 25) or 80% of the jeonse deposit, whichever is smaller. Base interest 2.2-3.3% per year, variable (by income and deposit; homes outside the Seoul metropolitan area -0.2%p). Eligible homes up to 85㎡ of exclusive area (60㎡ or less for those under 25), deposit up to KRW 300 million. Contracts made before 2025-06-27 are subject to KRW 200 million (KRW 150 million for those under 25).
- Who is eligible
- Ages 19-34, household heads not owning a home (including prospective household heads), combined annual income of the couple up to KRW 50 million, net assets up to KRW 345 million.
- When to apply
- Anytime. Apply after signing the lease and before paying the balance or moving in (apply after the contract is signed).
- How to apply
- Visit a Housing and Urban Fund commissioned bank (Woori, Kookmin, Shinhan, Hana, Nonghyup, etc.) or use the app. https://nhuf.molit.go.kr Inquiries 1566-9009
- Important notes
- Within 3 months of the lease contract date or before moving in, etc. – check by bank. A deposit of 5% or more must have been paid.
- Note
- Rates change from time to time – check with the commissioned bank. Net assets up to KRW 345 million (2026). A different product from the Youth-Only Guaranteed Monthly Rent Loan (청년전용 보증부월세대출).
Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.