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Youth Housing Dream Subscription Account (청년 주택드림 청약통장): How to Apply, Amount & Eligibility (2026)

4.5% per year (simple interest) if held 2 or more years, interest tax-free (limit KRW 5 million in interest, KRW 6 million in principal per year)

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: Interest rate (simple): over 1 month to under 1 year 2.3%, 1-2 years 2.8%, 2-10 years 4.5%, over 10 years 3.1% (partial preferential rate if terminated upon winning a subscription). If held 2 or more years, tax-free on interest income up to KRW 5 million and principal up to KRW 6 million per year (enrollment through 2028-12-31). The preferential rate applies up to KRW 50 million of deposited principal.
Who is eligible: Ages 19-34 (military service recognized up to 6 years), not owning a home, with income in the prior and the year before that and annual income up to KRW 50 million.
When to apply: Anytime (enrollment possible through 2028-12-31).
How to apply: App or counter of a bank handling the Housing Subscription Comprehensive Savings. https://nhuf.molit.go.kr/FP/FP07/FP0701/FP07010301.jsp
Important notes: Enrollment eligibility (age) is determined as of the time of enrollment. The Didimdol Loan requires age 39 or younger at the time of winning a subscription.
Note: Condition for using the Youth Housing Dream Didimdol Loan (enrolled 1 year or more, KRW 10 million or more paid in). Only people not owning a home can enroll.

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

Youth Housing Dream Subscription Account (청년 주택드림 청약통장): who can receive it?

Ages 19-34 (military service recognized up to 6 years), not owning a home, with income in the prior and the year before that and annual income up to KRW 50 million.

Youth Housing Dream Subscription Account (청년 주택드림 청약통장): how do I apply?

App or counter of a bank handling the Housing Subscription Comprehensive Savings. https://nhuf.molit.go.kr/FP/FP07/FP0701/FP07010301.jsp

Youth Housing Dream Subscription Account (청년 주택드림 청약통장): how much will I receive?

Interest rate (simple): over 1 month to under 1 year 2.3%, 1-2 years 2.8%, 2-10 years 4.5%, over 10 years 3.1% (partial preferential rate if terminated upon winning a subscription). If held 2 or more years, tax-free on interest income up to KRW 5 million and principal up to KRW 6 million per year (enrollment through 2028-12-31). The preferential rate applies up to KRW 50 million of deposited principal.

Youth Housing Dream Subscription Account (청년 주택드림 청약통장): when can I apply?

Anytime (enrollment possible through 2028-12-31).