Didimdol loan: eligibility & rates

Low-rate mortgage for first-time buyers without a home

Gov. loans As of 2026 Inputs not saved No install or sign-up
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Didimdol loanHousing & Urban Fund · home purchase
Rate
2.85–4.15%/yr
Limit
General ₩200M · first-time buyers ₩240M · newlyweds & 2+ children ₩320M
Period
10 · 15 · 20 · 30 years (1-year grace possible)
Who qualifiesHomeless household head (all household members without a home). Single household heads under 30 are generally excluded
Income (couple combined)General ₩60M or less · first-time buyers & 2+ children ₩70M or less · newlyweds ₩85M or less
Net assetsCouple combined ₩511M or less
HomeAppraised at ₩500M or less (newlyweds & 2+ children ₩600M), 85㎡ or less exclusive area (100㎡ in towns and townships outside the capital area)
LimitGeneral ₩200M · first-time buyers ₩240M · newlyweds & 2+ children ₩320M (LTV 70%, first-time 80% · capital area 70%, DTI 60%)
Rate2.85–4.15%/yr (by income and term), 0.2%p lower for homes outside the capital area, discounts up to 0.5%p (multi-child 0.7%p)
Period10 · 15 · 20 · 30 years, 1-year grace possible
When to applyBefore ownership transfer registration (if already registered, within 3 months of the registration date)

How much a month with this loan?

×₩10K
%
years
Monthly payment
-

Checklist

  • Limits were cut for contracts from June 27, 2025 (general ₩250M → ₩200M etc.).
  • If you qualify for the newborn special loan, check its home purchase loan first — the limit and rate are better.
  • Rates change from time to time by Ministry of Land notice.
Find government loans you qualify forHousing & Urban Fund (Gigeum e-Deundeun) ↗MyHome Portal (government loan info) ↗
What to check next
  1. Government loan finder (eligibility check)Find the government loans you qualify for by income, assets and household
  2. DSR calculatorYour loans' DSR and how much more you could borrow
  3. Loan interest calculatorMonthly payment and total interest by repayment method
Official agencies

What is the Didimdol loan?

A low-rate mortgage for first-time buyers without a home. A policy finance product run by the Housing & Urban Fund, designed to offer lower rates than commercial loans or to be available even with lower credit. You must meet every condition in the table above; the final limit and rate depend on the review.

What to prepare before applying

  • Proof of income (withholding receipt · income certificate)
  • Resident registration and family relation certificates (to check household requirements)
  • Sale or lease contract, property register

Related calculators

Compare your total repayment burden with other loans in the DSR calculator, and total interest by repayment method in the loan interest calculator.

This guide is based on 2026 disclosures and press releases; government loan terms change often with government announcements and fund operations. Always check the latest terms with the official agency before applying. This page doesn't broker loans.

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