Korea Housing & Urban Fund's Didimdol low-rate mortgage: 200M (general) / 240M (first-time) / 320M KRW (newlywed or multi-child) at 2.55–4.15% p.a. for Korean-resident first-home buyers
| Type | Eligibility | Limit | Income cap | Rate p.a. |
|---|---|---|---|---|
| General Didimdol | Home-less head of Korean household, combined income ≤ 60M KRW | 200M KRW | ≤ 60M | 2.85 ~ 4.15% |
| First-time | Korean first-time home buyer (combined ≤ 70M KRW) | 240M KRW | ≤ 70M | 2.55 ~ 3.85% |
| Newlywed | Married ≤ 7 yrs or pre-marriage Korean couple | 320M KRW (with 2 children) | ≤ 85M | 2.55 ~ 3.85% |
| ≥2 Children | Household with ≥2 minor children | 320M KRW | ≤ 85M | Extra -0.7%p |
| Exclusive use area | ≤ 85㎡ (≤ 100㎡ in eup/myeon outside capital region) |
| Appraised price | ≤ 500M KRW (newlywed / ≥2 kids: ≤ 600M KRW) |
| Net assets | Household net assets ≤ 488M KRW (2026) |
| No home | All Korean household members must be home-less on the loan application date |
| Property types | Apartment, row house, multi-family, detached, residential officetel |
| Base rate | 2.85% – 4.15% p.a. (by income & maturity) |
| First-time / Newlywed | 2.55% – 3.85% p.a. (base) |
| Newlywed extra | -0.2%p |
| Multi-child | 0.3%p (1 kid) / 0.5%p (2) / 0.7%p (≥3) |
| Rural property | -0.2%p |
| E-contract / long-term housing-subscription savings | -0.1~0.2%p |
Rates and caps update yearly — always verify with Korea's official sources.
This page summarises South Korean Housing & Urban Fund, MOLIT, and KHFC public guidance as of April 2026. Rates, caps, and discounts change during the year; individual terms depend on Korean income, maturity, property price, LTV, DSR, and credit. Calculator outputs are reference-only and carry no legal effect. Final approval follows the screening of Korean handling banks and MOLIT notices. Residents of the Republic of Korea only — verify with Fund e-Deundeun or a handling bank before any decision.
The Didimdol Home Purchase Loan (내집마련 디딤돌대출) is a policy mortgage from South Korea's Housing & Urban Fund that lends long-term, low-rate funds to Korean-resident home-less, newlywed, and first-time buyers. In 2026, General Didimdol supports heads of household with combined income ≤ 60M KRW at up to 200M KRW (2.85–4.15% p.a.); First-time buyers with income ≤ 70M KRW get up to 240M KRW (2.55–3.85%); Newlywed and ≥2-children households with income ≤ 85M KRW qualify for up to 320M KRW. Property must be ≤ 85㎡ and appraised at ≤ 500M KRW (600M for newlywed / multi-child), with household net assets ≤ 488M KRW. Apply via Fund e-Deundeun or a Korean handling bank (Kookmin, NH, Shinhan, Woori, Hana, Busan, iM). Extra discounts up to 0.7%p are stacked for multi-child, rural, e-contract, and long-term savings.
Both spouses must have no prior Korean home ownership. MOLIT verifies using Korean civil records; divorce/remarriage triggers cross-check of spouses' histories.
If the appraisal exceeds 500M KRW (600M for newlywed/multi-child), Didimdol is not allowed — consider Bogeumjari (KHFC) or Qualifying Loan instead.
Yes, for final payment only. Pre-registration (분양권) stage is excluded. Coordinate timing with Fund e-Deundeun or your handling bank.
Didimdol has partial DSR exemption in 2026 but household DSR rules keep tightening — confirm with the handling bank at filing.
The home-less rule is judged on the application date. Provide registration cancellation proof; handling banks will verify overlap.
Up to 1.2% for repayment within 3 years (2026 basis). Check the fee schedule with your Korean handling bank or Fund e-Deundeun.
South Korea's 2026 Didimdol Home Purchase Loan, operated by the Korean Housing & Urban Fund under the Ministry of Land, Infrastructure and Transport, is a long-term low-rate mortgage for Korean-resident home-less, newlywed, and first-time buyers. General Didimdol lends up to 200M KRW (2.85–4.15% p.a.) to households earning ≤ 60M KRW; First-time buyers (≤ 70M KRW income) can borrow up to 240M KRW at 2.55–3.85%; Newlyweds and ≥2-children households (≤ 85M KRW income) qualify for up to 320M KRW. Eligible properties are ≤ 85㎡ and appraised at ≤ 500M KRW (600M for newlywed / multi-child), with household net assets ≤ 488M KRW. Extra discounts combine up to 0.7%p for multi-child (0.3/0.5/0.7%p), rural property (-0.2%p), e-contract and long-term housing-subscription savings (-0.1~0.2%p), and newlywed (-0.2%p). Apply via Fund e-Deundeun (enhuf.molit.go.kr) or Korean handling banks (Kookmin, NH, Shinhan, Woori, Hana, Busan, iM); funds are disbursed directly to the Korean seller after collateral registration. Hotlines: HUF 1599-0001, MyHome myhome.go.kr. This program is limited to residents of the Republic of Korea.