Loans · Finance

Youth Housing Dream Didimdol Loan (청년 주택드림 디딤돌 대출): How to Apply, Amount & Eligibility (2026)

Up to KRW 300 million for singles and KRW 400 million for newlyweds, 2.4-4.15% per year, LTV 70% (80% for first-time buyers)

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: Limit KRW 300 million for singles and KRW 400 million for newlyweds (LTV 70%, 80% for first-time buyers, 70% in the Seoul metropolitan area and regulated areas, DTI 60%). Interest 2.4-4.15% per year (by income). Repayment 10, 15, 20, 30 years; up to 40 years for annual income of KRW 40 million or less (0.1%p added). Preferential rate of 0.5-0.2%p per child upon childbirth.
Who is eligible: Young people aged 39 or younger at the time of winning a subscription who do not own a home, with income up to KRW 70 million for singles and KRW 100 million for newlyweds.
When to apply: Apply anytime after winning a subscription.
How to apply: Housing and Urban Fund commissioned bank. https://nhuf.molit.go.kr Inquiries 1566-9009
Important notes: Apply in line with the sale contract and balance payment schedule after winning.
Note: Requires enrollment in the Youth Housing Dream Subscription Account (청년 주택드림 청약통장) for 1 year or more and payment of KRW 10 million or more. Net assets up to KRW 511 million (2026).

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 Didimdol Loan (청년 주택드림 디딤돌 대출): who can receive it?

Young people aged 39 or younger at the time of winning a subscription who do not own a home, with income up to KRW 70 million for singles and KRW 100 million for newlyweds.

Youth Housing Dream Didimdol Loan (청년 주택드림 디딤돌 대출): how do I apply?

Housing and Urban Fund commissioned bank. https://nhuf.molit.go.kr Inquiries 1566-9009

Youth Housing Dream Didimdol Loan (청년 주택드림 디딤돌 대출): how much will I receive?

Limit KRW 300 million for singles and KRW 400 million for newlyweds (LTV 70%, 80% for first-time buyers, 70% in the Seoul metropolitan area and regulated areas, DTI 60%). Interest 2.4-4.15% per year (by income). Repayment 10, 15, 20, 30 years; up to 40 years for annual income of KRW 40 million or less (0.1%p added). Preferential rate of 0.5-0.2%p per child upon childbirth.

Youth Housing Dream Didimdol Loan (청년 주택드림 디딤돌 대출): when can I apply?

Apply anytime after winning a subscription.