South Korea's Housing & Urban Fund low-interest jeonse deposit loan: up to 200M KRW (youth) or 300M KRW (newlywed, capital region). 2026 rate 1.5–3.1% for Korean-resident renters
| Product | Eligibility | Limit | Rate (p.a.) | Property / Deposit Cap |
|---|---|---|---|---|
| Youth Beotimmok | Korean age 19–34, no home, head of household | Up to 200M KRW | 1.5–2.7% | ≤300M KRW capital / ≤200M non-capital |
| Under-25 single household | Korean age 19–<25, single household (or planned) | 150M KRW | 1.5–2.7% | ≤ 60㎡ exclusive-use |
| Newlywed Beotimmok | Married ≤ 7 yrs or pre-marriage Korean couple | 300M capital / 200M non-capital | 1.5–3.0% | Deposit ≤ 400M capital / 300M non-capital |
| General Beotimmok | Combined income ≤ 50M KRW, no home | 120M capital / 80M non-capital | 2.0–3.1% | ≤ 85㎡ (100㎡ outside urban) |
| Household | Head of Korean household (or prospective) on the loan application date |
| No-home rule | All members of the Korean household must be home-less |
| Income | Combined annual income ≤ 50M (youth) / 75M (newlywed) / 60M (≥2 kids) KRW |
| Net assets | Household net assets ≤ 337M KRW (2026 Korean statistics) |
| No stacking | Cannot overlap with other Korean Housing Fund / jeonse / mortgage loans |
| Credit | No default records at Korea Credit Information Services |
| Youth Beotimmok | 1.5%–2.7% p.a. (by income bracket) |
| Newlywed Beotimmok | 1.5%–3.0% p.a. (tiered by children and income) |
| General Beotimmok | 2.0%–3.1% p.a. |
| Discounts | Up to 1.5%p off for multi-child (0.2%p/child), e-contract, basic-livelihood, etc. |
Rules can change during the year — always confirm the latest terms with Korea's official sources below.
This page summarises public information from the Korean Housing & Urban Fund, the Ministry of Land, Infrastructure and Transport, and MyHome Portal as of April 2026. Rates, limits, and discount conditions change each year; individual terms depend on the borrower's Korean income, assets, property price, and credit. Calculator outputs are reference estimates with no legal effect — final approval and interest calculations follow the screening of Korean handling banks. Verify the latest conditions with Fund e-Deundeun or a handling bank before any decision. South Korea residents only.
The Beotimmok Jeonse Loan is a South Korean policy loan from the Housing & Urban Fund (Ministry of Land, Infrastructure and Transport) that lends jeonse deposits at preferential rates to Korean-resident low-income, youth, and newlywed renters. In 2026, Youth Beotimmok covers Korean-resident heads of household aged 19–34 with up to 200M KRW at 1.5–2.7%, while Newlywed Beotimmok offers up to 300M KRW (capital region) or 200M KRW (non-capital) at 1.5–3.0% for couples within 7 years of marriage or pre-marriage. Applicants must be home-less, meet household net-asset (≤ 337M KRW) and combined-income limits, and have no overlapping Korean Housing Fund or bank jeonse loans. Apply via Fund e-Deundeun (enhuf.molit.go.kr) or a Korean handling bank (Kookmin, Woori, NH, Shinhan, Hana, Busan, iM). The loan is disbursed directly to the landlord's Korean bank account. Extra discounts (up to 1.5%p) are available for multi-child households, e-contracts, jeonse-fraud victims, and more.
Only one can be selected. If you qualify as Youth, Youth Beotimmok usually offers better limits and rates. Newlyweds should compare the Newlywed track separately.
Overlapping loans are restricted, but refinancing (using Beotimmok to pay off the old loan) is possible — ask a Korean handling bank for the specific conditions.
Officially recognised Korean jeonse-fraud victims get a dedicated low-rate loan (up to 240M KRW at ~1.2%). Bring the MOLIT victim-support committee decision to a handling Korean bank.
Beotimmok rates renew every 2 years and can step with MOLIT's official notices. Re-check terms at each renewal.
Korean nationals are the default. F-5 permanent residents and F-6 marriage immigrants may qualify case-by-case; ask a Korean handling bank.
Residential officetels (≤ 85㎡) are allowed; villas require an inspection and appraisal. Neighbourhood facility properties and sharehouses are generally excluded.
South Korea's 2026 Beotimmok Jeonse Loan, run by the Korean Housing & Urban Fund under the Ministry of Land, Infrastructure and Transport, provides low-rate jeonse deposit loans to Korean-resident renters. Youth Beotimmok supports Koreans aged 19–34 with up to 200M KRW at 1.5–2.7% p.a.; Newlywed Beotimmok offers up to 300M KRW (capital region) / 200M KRW (non-capital) at 1.5–3.0% for couples within 7 years of marriage or pre-marriage; General Beotimmok covers low-income households (combined income ≤ 50M KRW) with 120M (capital) / 80M (non-capital) KRW at 2.0–3.1%. Eligible properties are ≤ 85㎡ (60㎡ for single-household youth) with jeonse deposits capped per region; households must have net assets ≤ 337M KRW and no overlapping Korean Housing Fund or bank jeonse loans. Extra discounts up to 1.5%p apply for multi-child families, e-contracts, and jeonse-fraud victims. Apply through Fund e-Deundeun (enhuf.molit.go.kr) or Korean handling banks (Kookmin, Woori, NH, Shinhan, Hana, Busan, iM); funds are paid directly to the Korean landlord on closing. Hotlines: 1599-0001 (HUF), 1566-9009 (HUG); details via myhome.go.kr. This program applies exclusively to residents of the Republic of Korea.