South Korea's MOLIT Youth Housing Dream Account (launched Feb 21, 2024) for Korean residents aged 19–34 with no home and Korean income ≤ 50M KRW: up to 4.5% p.a. interest plus discounted 2% mortgage upon Korean subscription win.
| Korean age | 19–34 (military service subtracts up to 6 Korean years) |
| Korean home ownership | None |
| Korean income | ≤ 50M KRW / yr (Korean wage + self-employed) |
| Korean existing account | Korean existing subscription account can convert without Korean cancellation |
| Korean excluded | Some Korean non-head household members — check Korean bank |
| ① ≤ 4.5% p.a. | Korean 1.5–2 pp above standard (Korean 2.0–2.8%) |
| ② Korean subscription bonus | Korean 1st-priority after 24 Korean months |
| ③ Korean 2% mortgage link | Up to 80% Korean purchase price on win |
| ④ Korean tax deduction | 40% deduction on Korean 2.4M KRW/yr contribution |
| ⑤ Korean flexibility | Korean 20k–1M KRW/mo |
| Korean item | Korean Standard Subscription | Korean Youth Housing Dream |
|---|---|---|
| Korean target | Korean anyone | Korean 19–34 no-home ≤ 50M KRW |
| Korean rate | Korean 2.0–2.8% | Korean ≤ 4.5% |
| Korean cap | Korean 20k–500k/mo | Korean 20k–1M/mo |
| Korean subscription | Korean 24 mo (general) / 6 mo (region) | Korean 24 mo |
| Korean mortgage link | Korean didimdol 2–3% | Korean ~2% up to 80% |
| Korean tax deduction | Korean 2.4M × 40% | Same |
| Korean Housing & Urban Fund call | 1566-9009 |
| Korean MOLIT civil affairs | 1599-0001 |
| Korean bank customer center | Varies by Korean bank |
| Korean LH subscription center | 1600-1004 |
This South Korea–only summary follows Korea's Housing Urban Fund Act / Housing Act and Korean MOLIT / HUF notices (as of April 2026). Korean interest, Korean eligibility, and Korean mortgage-link conditions change with Korean market and Korean policy; Korean figures are finalized by the Korean bank / HUF review. Non-binding Korean reference.
South Korea's Youth Housing Dream Account (청년 주택드림 청약통장), launched by the Korean MOLIT and Housing & Urban Fund on Feb 21, 2024, is a Korean youth-only subscription savings product for Korean residents aged 19–34 with no Korean home ownership and Korean annual income ≤ 50M KRW. Korean interest rate is up to 4.5% p.a., significantly above the standard Korean subscription rate of 2.0–2.8%, and a Korean subscription win links to a Korean Housing & Urban Fund discounted mortgage at ~2% p.a. for up to 80% of the Korean purchase price. Korean monthly deposits range 20,000–1,000,000 KRW; Korean subscription first-priority eligibility kicks in after 24 months. Korea's 40% deduction on 2,400,000 KRW/yr Korean contribution is maintained. Open an account via 9 Korean participating banks (Woori, KB Kookmin, NH, Shinhan, IBK, Hana, Daegu, Busan, Gyeongnam) or Korean Fund e-Deundeun online; Korean existing subscription accounts convert without cancellation.
No — Korean existing subscription accounts convert to Korean Youth Housing Dream without Korean cancellation, preserving Korean contribution history.
Yes. Korean youth leap account (5-yr Korean savings) and Korean Youth Housing Dream (Korean housing) coexist.
Korean marriage alone doesn't remove eligibility if Korean individual has no home and still meets Korean age/income rules. Korean spouse's home may affect Korean no-home subscription requirement.
Korean account remains valid; Korean premium rate / mortgage link may be partially adjusted. Korean annual income re-check at Korean bank.
Not automatic. File separately at Korean Fund e-Deundeun or Korean bank, meeting Korean property-size/price rules.
Korean account continues with Korean deposits allowed; Korean youth premium conditions lapse and Korean terms converge on standard Korean subscription.
South Korea's 2026 Youth Housing Dream Account (청년 주택드림 청약통장), launched February 21, 2024 by the Korean Ministry of Land, Infrastructure & Transport and the Korean Housing & Urban Fund, is a Korean youth-only subscription savings product for Korean residents aged 19–34 without a Korean home and with Korean annual income ≤ 50M KRW. Korean interest is up to 4.5% p.a. (vs Korean standard 2.0–2.8%), and a Korean subscription win links to a Korean HUF mortgage at ~2% p.a. for up to 80% of the Korean purchase price. Korean monthly deposits range 20,000–1,000,000 KRW with Korean first-priority subscription eligibility after 24 months; Korea's 40% deduction on Korean 2.4M KRW/yr contribution continues. Open through Korean 9 participating banks (Woori, KB Kookmin, NH, Shinhan, IBK, Hana, Daegu, Busan, Gyeongnam) or Korean Fund e-Deundeun (enhuf.molit.go.kr); Korean existing subscription accounts convert without cancellation. Korean military service subtracts up to 6 Korean years from the 34 age ceiling; Korean marriage alone does not strip eligibility. Korean couple-up-level / Korean didimdol / Korean youth leap / Korean newlywed housing stack possibilities apply. Korean contacts: Housing & Urban Fund 1566-9009.