Beotimmok jeonse loan: eligibility & rates

Low-rate jeonse loans for general, youth and newlywed borrowers

Gov. loans As of 2026 Inputs not saved No install or sign-up
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Beotimmok jeonse loanHousing & Urban Fund · jeonse
Rate
1.2–2.9%/yr
Limit
General ₩120M in the capital area · youth ₩200M · newlyweds ₩300M in the capital area
Period
2-year terms, up to 10 years (extendable by number of children)
General BeotimmokHomeless household head, couple's combined income ₩50M or less, net assets ₩345M or less, deposit ₩300M or less in the capital area / ₩200M elsewhere → limit ₩120M capital area / ₩80M elsewhere, around 2%/yr (by income and deposit bracket)
Youth BeotimmokAges 19–34, income ₩50M or less, deposit ₩300M or less → up to ₩200M, mid-to-high 1% to low 2% per year
Newlywed BeotimmokMarried within 7 years (incl. marrying within 3 months), meets couple's combined income criteria, deposit ₩400M or less in the capital area / ₩300M elsewhere → ₩300M capital area / ₩200M elsewhere, 1–2% per year
All typesUp to 70–80% of the deposit, 2-year term with 4 extensions (up to 10 years), plus 2 years per minor child
When to applyWithin 3 months of the earlier of the balance payment date or move-in date

How much a month with this loan?

×₩10K
%
years
Monthly payment
-

Checklist

  • If you meet the youth or newlywed criteria, those have better limits and rates than general Beotimmok.
  • You can't use more than one, so pick the best. If you qualify for the newborn special loan, check that first.
  • Rate brackets change often. Check again on Gigeum e-Deundeun before applying.
Find government loans you qualify forHousing & Urban Fund (Gigeum e-Deundeun) ↗Korea Housing & Urban Guarantee Corporation (1566-9009) ↗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 Beotimmok jeonse loan?

Low-rate jeonse loans for general, youth and newlywed borrowers. 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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