South Korea's Korea Housing Finance Corporation (HF) Bogeumjari Loan 2026: Korean fixed-rate mortgage for Korean residential property ≤ 600M KRW, up to 360M KRW, 10–30 Korean years, ~4% p.a. fixed; estimate Korean monthly equal-installment payment.
| Korean property | Korean price ≤ 600M KRW (preferential up to 900M) |
| Korean income | Korean ≤ 70M KRW/yr (Korean newlyweds 85M, multi-child 100M) |
| Korean age/nationality | Korean 19+ Korean nationals (Korean F-2/F-5/permanent residents partial) |
| Korean ownership | Korean 0-home or Korean 1-home with disposal commitment |
| Korean property type | Korean apartment/villa/multi-unit/detached (Korean officetel excluded) |
| ① Korean long-term fixed | Korean 10/15/20/30 yrs no rate change — Korean market-risk hedge |
| ② Korean cap | Korean ≤ 360M KRW (Korean LTV 70%, Korean first-time 80%) |
| ③ Korean preferential | Korean newlyweds/multi-child/e-contract/MyHome -0.10 to -0.60 pp |
| ④ Korean prepayment | Korean fee-free after 3 Korean years (limited fee-free within 3 yrs) |
| ⑤ Korean vs Didimdol | Korean Didimdol cheaper (2–3%) but Korean tighter eligibility |
| Korean item | Korean target | Korean reduction |
|---|---|---|
| Korean e-contract | Korean online apply | -0.10 pp |
| Korean MyHome app | Korean MyHome app apply | -0.10 pp |
| Korean newlywed | Korean ≤ 7 yrs married | -0.20 pp |
| Korean multi-child | Korean ≥ 2 minor kids | -0.40 pp (Korean 3 kids -0.50 pp) |
| Korean low-income youth | Korean ≤ 39 + Korean ≤ 60M KRW | -0.10 pp |
| Korean disabled / multicultural / single-parent | Korean qualifying household | -0.40 pp |
| Korean item | Korean Bogeumjari (HF) | Korean Didimdol (NHUF) | Korean Standard Bank |
|---|---|---|---|
| Korean rate (2026) | Korean 4.00–4.50% | Korean 2.45–3.55% | Korean 4.5–6.5% |
| Korean income cap | Korean 70M (Korean newlywed 85, Korean multi-child 100) | Korean 60M (Korean first-time 70) | Korean DSR only |
| Korean property cap | Korean ≤ 600M (Korean preferential 900) | Korean ≤ 500M | None |
| Korean loan cap | Korean ≤ 360M | Korean ≤ 250–400M | Korean LTV/DSR |
| Korean term | Korean 10/15/20/30 yrs | Korean 10/15/20/30 yrs | Korean ≤ 40 yrs |
| Korean rate type | Korean fixed | Korean fixed/variable | Korean mixed/variable |
| Korea Housing Finance Corp call | 1688-8114 |
| Korean MOLIT civil affairs | 1599-0001 |
| Korean bank customer center | Varies by Korean bank |
| Korean MyHome call center | 1600-1004 |
This South Korea–only summary follows Korea's Korea Housing Finance Corporation Act / Housing Act and Korean HF / MOLIT notices (as of April 2026). Korean rate, cap, LTV, DSR, and Korean preferential items vary with Korean market and Korean policy; Korean actual loan terms are finalized by Korea Housing Finance Corporation review and Korean bank agreement. Non-binding Korean reference; verify at Korean HF 1688-8114 or Korean partner banks. This Korean tool does not solicit or broker any Korean financial product.
South Korea's Bogeumjari Loan, operated by the Korea Housing Finance Corporation (HF) under the Korean Korea Housing Finance Corporation Act, is a Korean long-term fixed-rate mortgage product designed to give Korean middle-income borrowers stable Korean monthly equal-installment payments over Korean 10–30 year maturities without Korean market-rate risk. As of 2026 the Korean property must be ≤ 600M KRW (preferential variants up to 900M), Korean combined household income ≤ 70M KRW (Korean newlyweds 85M, Korean multi-child households 100M); Korean borrowers must be Korean no-home or Korean 1-home with a disposal commitment. Korean LTV is up to 70% (Korean first-time buyers 80%), Korean cap up to 360M KRW; Korean rates run roughly 4.00–4.50% p.a. with Korean preferential reductions of 0.10–0.60 pp for Korean e-contract, Korean MyHome app, Korean newlyweds (≤ 7 yrs), Korean multi-child (≥ 2 kids), Korean low-income youth (≤ 39, income ≤ 60M), Korean disabled / multicultural / single-parent households. Apply at Korean HF (hf.go.kr) U-Bogeumjari, Korean MyHome app, or Korean 9 partner banks (Woori, KB Kookmin, NH, Shinhan, IBK, Hana, Busan, Daegu, Gyeongnam). Korea's Didimdol Home Loan (Housing & Urban Fund, 2–3%) is cheaper but Korean tighter eligibility, so Korean Bogeumjari serves as the Korean middle-income mainstay.
Korean Didimdol (Housing & Urban Fund) is cheaper at 2–3% but Korean tighter eligibility (Korean income ≤ 60M, Korean property ≤ 500M, Korean strict no-home). Korean Bogeumjari (HF) at ~4% p.a. allows Korean broader income/property caps for Korean middle-income borrowers.
Korean dual policy mortgages on the same Korean property are not allowed. Korean borrowers usually take Korean Didimdol first if Korean eligible.
Korean Bogeumjari fixes the Korean rate up to 30 Korean years, hedging Korean market-rate hikes. Korean variable bank loans may be cheaper short-term but Korean swing with Korean COFIX/base rate. Korean long-term residence favors Korean Bogeumjari.
Korean fee-free after 3 Korean years; Korean within 3 yrs has annual fee-free quotas (~10% of Korean principal). Korean exact rates appear in Korean agreement.
Yes, with Korean disposal commitment (Korean existing home transferred within Korean grace period). Korean 2+ homes are typically excluded.
Korean ≤ 7 yrs married: -0.20 pp; Korean stacks with Korean multi-child (-0.40–0.50 pp), reaching Korean 0.6 pp+ total. Korean exact reductions follow Korean HF current notice.
South Korea's 2026 Bogeumjari Loan, operated by the Korea Housing Finance Corporation (HF) under the Korean Korea Housing Finance Corporation Act, is a Korean policy long-term fixed-rate mortgage providing Korean stable monthly equal-installment payments over Korean 10/15/20/30-year maturities without Korean market-rate risk. The Korean 2026 conditions: Korean property price ≤ 600M KRW (preferential variants up to 900M), Korean combined household income ≤ 70M KRW (Korean newlyweds 85M, Korean multi-child 100M), Korean LTV up to 70% (Korean first-time 80%), Korean loan cap up to 360M KRW, Korean fixed rates roughly 4.00–4.50% p.a. depending on the Korean term and Korean offer date. Korean preferential reductions stack: Korean e-contract -0.10 pp, Korean MyHome app -0.10 pp, Korean newlywed -0.20 pp, Korean multi-child -0.40 pp (-0.50 pp for Korean 3+ kids), Korean low-income youth -0.10 pp, Korean disabled / multicultural / single-parent -0.40 pp, totaling 0.60 pp+ in Korean rate cuts. Apply at Korean HF (hf.go.kr) U-Bogeumjari, Korean MyHome app, or Korean 9 partner banks (Woori, KB Kookmin, NH, Shinhan, IBK, Hana, Busan, Daegu, Gyeongnam); Korean review takes 7–14 Korean business days, and Korean disbursement aligns with Korean closing. Korean prepayment fees waive after Korean 3 years (Korean within 3 yrs has Korean annual fee-free quotas). Korean Didimdol Home Loan (Housing & Urban Fund, 2–3%) is cheaper but Korean tighter eligibility, leaving Korean Bogeumjari as the Korean middle-income mainstay. Korean contacts: Korea Housing Finance Corporation 1688-8114, Korean MOLIT 1599-0001.