Hello! I'm your homebuying mentor. The biggest challenge for newlyweds preparing for a new beginning in 2026 is undoubtedly: ‘'house'’Interest rates are fluctuating and housing prices are still a burden.
But the government supports ‘Housing and Urban Development Fund Loan’ If you use it well, it is much cheaper than commercial banks. Interest rates for 1~2% (varies by conditions)You can raise funds with it. Today, I will leave out all the complicated explanations and tell you what newlyweds must know. Two loan products과 Application FormWe would like to inform you.
1. Decide first: Are you going to 'buy' or 'rent' a home?
Government-backed loans fall into two broad categories. They have different names depending on their purpose, so it's important to distinguish between them first.
- When buying (selling) a home: For newlyweds only [Stepping Stone Loan]
- When moving into a lease: For newlyweds only [Support Loan]
2. 'When Buying a Home' - Purchase Funds for Newlyweds (Stepping Stone)
If you want to purchase a house in your name ‘'stepping stone'’Knock on the door. In 2026, income requirements are expected to be relaxed as a measure to address the low birth rate.
- Eligibility:
- Duration of marriage: Within 7 years from the date of marriage registration (or those planning to get married within 3 months)
- Homeownership: Couple combined homeless people (All members of the household)
- Income requirements: Combined annual income of married couple Less than 85 million won (However, the standards are significantly higher for first-time homebuyers or households with newborns, so be sure to check!)
- Asset requirements: Below the average income of all households in the 4th income quartile as of 2026 (usually 400-500 million won, fluctuating annually)
- Target House: Less than 600 million won (some conditions may be raised in metropolitan areas, etc.), exclusive area less than 85㎡.
- Loan limit: Up to 400 million won (up to LTV 80%)
💡 Editor's Tips: If you have a child born within the past two years (including adopted children) ‘Newborn Special Stepping Stone Loan’ You can be eligible. The income standard is significantly relaxed to 130 million won or more, and the interest rate is lower, so if you have children, it is definitely possible. ‘Newborn Special Case’Check it out first!
3. 'When looking for a jeonse (rental deposit)' - Jeonse funds exclusively for newlyweds (support)
If you are still hesitant to buy a house and want to start with a lease, ‘'crutch‘'This is the correct answer.
- Eligibility:
- Duration of marriage: Those who have been married for less than 7 years or are planning to get married within 3 months
- Homeownership: Couple combined homeless people
- Income requirements: Combined annual income of married couple Less than 75 million won
- Asset requirements: Below the asset standard as of 2026 (approximately 300 million won in the mid-range)
- Target House: Rental deposit: 400 million won (metropolitan area) / 300 million won (local areas) or less.
- Loan limit: Up to 300 million won in the metropolitan area, up to 200 million won in local areas (within 80% of the deposit)
4. The foolproof application process (3 steps)
If you want to avoid wasting your time at the bank, you should do it in this order.
- Pre-qualification: Housing and Urban Development Fund e-Solidarity‘ The site simulates calculations to see if a couple can qualify for a loan based on their income and assets.
- Bank visit consultation (preliminary review): Before signing a contract for a house, take a copy of the register and income documents to the bank (Woori, Kookmin, Shinhan, Nonghyup, Hana, etc. trustee bank) “Can I get a loan for this house?”Ask.
- Apply online: After the contract is signed, you will receive a confirmation date., Fund e-Ddeundeun homepageI am applying formally at .
5. Notes from the editor
- No duplicates: You cannot receive a Stepping Stone and a Support at the same time. (Of course, right?) However, there are cases where a combination of Stepping Stone (shortage) + Treasure Chest (additional) is possible, so check if you are running low on funds.
- Head of household requirements: Applicants must be the head of household. (Newlyweds may apply as prospective heads of household.)
In conclusion
2026 is the year when interest rate benefits for newlyweds and families with children will be stronger than ever. It may seem complicated, but “"Give priority to low-interest loans (stepping stones/supports) guaranteed by the government."” You just need to remember the principle.
For more accurate latest income standards and interest rate table for 2026, The official government website, 'Housing and Urban Development Fund'‘ It's safest to check at . Click the button below to check right away.
👇 Check the loan that suits your needs in just 1 minute on the official website. (You can check with confidence as it is a government-run site)
🏠 Check your 2026 newlywed loan eligibility (official)
※ You will be taken to the official portal of the Housing and Urban Development Corporation.