Checked on 2026-08-18. If a product page has no last-modified date, it is dated "original checked on 2026-08-18".
The boxes to check are who (income, net assets, home ownership, head of household, lease deposit cap) / how much (ratio, per-unit cap, region). There is no recommendation column.
This post covers Korean housing finance rules, and the linked official sources are in Korean. Jeonse is the Korean lump-sum housing deposit lease, in which the tenant pays the landlord a large deposit instead of (or in addition to) monthly rent and gets it back at the end of the lease; a jeonse loan finances that deposit.
1. The boxes this post covers
Korea Housing Finance Corporation (HF) original: "A product in which the Corporation provides collateral (a letter of guarantee) at the bank's request when a jeonse loan is made" (S2)
General jeonse loan guarantee and group jeonse loan guarantee original: "Even if the guarantee requirements are met, whether a loan is possible may differ depending on the bank's review." (S2, S3)
Housing and Urban Fund Beotimmok jeonse loan original (Beotimmok is the government's Housing and Urban Fund jeonse loan program for households without a home): "For details, you can visit a nearby fund trustee bank." (S10)
The primary figures for eligibility and limits are the guarantee and fund disclosures. The bank makes the final loan. This post does not recommend products.
2. Pinning down the program names
Categories in HF's "Find a jeonse loan guarantee": general jeonse / group jeonse / special jeonse / agreement jeonse. The finder page product list has 56 entries (checked 2026-08-18). (S1)
Original names on the fund portal: Beotimmok Jeonse Loan, Youth-Only Beotimmok Jeonse Loan, Newborn Special Beotimmok Loan (see note 1). (S10, S11, S12)
Return guarantees are kept separate from the loan limit tables. Names: General Jeonse Protection Guarantee, Special Jeonse Protection Guarantee_for Tenants. (S6, S7)
There is no recommendation column. Only the original names are placed as rows.
Note 1: Beotimmok Jeonse Loan for Relocation Support of Housing-Vulnerable Groups: S13. It is not included in the main comparison table.
3. Table A. HF jeonse loan guarantee eligibility and limits
3-1. General jeonse loan guarantee
Program name: General Jeonse Loan Guarantee. Original checked on 2026-08-18. (S2)
| Item | Original |
|---|---|
| Lease deposit cap | 700 million won or less (500 million won for households located outside Seoul, Gyeonggi and Incheon) |
| Monthly rent conversion | Monthly-rent deposit + (monthly rent × 12 / jeonse-to-monthly-rent conversion rate) |
| Head of household and down payment | A head of household who has paid 5% or more of the lease deposit |
| Home ownership | The applicant and spouse (including a prospective spouse) together own no more than 1 home |
| Regulated apartments | The applicant and spouse must not acquire ownership of an apartment priced over 300 million won in a speculation zone or overheated speculation district |
| Funds covered by the guarantee | Funds required to pay the lease deposit / a jeonse loan to repay an existing jeonse loan (including an interim lease payment) |
| Guarantee ratio | 90% of the loan amount (partial guarantee). However, 80% in the capital region and regulated areas |
| Senior claims | The sum of senior claims and the lease deposit cannot exceed 90% of the home price. 80% for corporate landlords |
| Application timing | New: within 3 months of the earlier of the balance payment date and the resident registration move-in date. Renewal: within 3 months of the contract renewal date (3 months or more after the move-in date) |
| Guarantee limit | The smallest of ①–③ below. However, in the capital region and regulated areas only 8/9 of the calculated result is recognized |
| ① By category | 400 million won − existing jeonse loan guarantee balance. Owners of 1 home: 180 million won in the capital region and regulated areas, 200 million won elsewhere |
| ② By required funds | The smaller of (lease deposit × 80% − existing balance) and the guarantee amount applied for |
| ③ By repayment capacity | Recognized annual income − expected annual debt repayments + preferential amount by repayment method − existing balance |
| Standard guarantee fee rate | Lease deposit of 100 million won or less 0.06%, over 100 million won up to 200 million won 0.08%, over 200 million won up to 300 million won 0.10%, over 300 million won up to 400 million won 0.12%, over 400 million won up to 500 million won 0.14%, over 500 million won 0.20% |
Participating financial institutions (original): Kookmin, IBK, NongHyup, Shinhan, Woori, Hana, Kyongnam, Kwangju, iM Bank, Busan, Suhyup, Jeonbuk, Jeju Bank, KakaoBank, K bank, Toss Bank. The names are in the original. (S2)
The limit sentence in "Find a jeonse loan guarantee": "The above result does not take into account income level and so on, and may differ from the actual result. For a more accurate result, please use the Internet Financial Service." (S1)
The S2 body has no figures for an annual income cap or a net asset cap. There is only the repayment-capacity formula.
3-2. Group jeonse loan guarantee
Program name: Group Jeonse Loan Guarantee. Original checked on 2026-08-18. (S3)
| Item | Original |
|---|---|
| Eligible persons | Same as the general jeonse loan guarantee. However, a head of household who has not paid 5% or more of the lease deposit can also be handled with headquarters approval |
| Target property | Limited to sites that have received the Corporation's group guarantee approval |
| Guarantee ratio | 90% of the loan amount. However, 80% in the capital region and regulated areas |
| Limit | The smallest of ① and ②. In the capital region and regulated areas only 8/9 of the calculated result is recognized |
| ① By category | 400 million won − existing balance. See the table below |
| ② By required funds | The smaller of lease deposit × 80% (90% for public rental housing) − the same person's existing jeonse loan guarantee balance / lease deposit − the amount the same person has already paid (refinancing funds among amounts already paid are not deducted) |
| Guarantee fee rate | 0.02%–0.40% per year, varying by lease deposit amount, income, etc. |
| Repayment capacity | "A product for which the repayment capacity assessment based on income and debt levels can be omitted" |
① Limit by category (S3)
| Landlord | Home ownership | Capital region and regulated areas | Elsewhere |
|---|---|---|---|
| Public housing operator under the Special Act on Public Housing | No home | 400 million won | 400 million won |
| Public housing operator | 1 home | 180 million won | 200 million won |
| Not a public housing operator | No home | 200 million won | 200 million won |
| Not a public housing operator | 1 home | 180 million won | 200 million won |
3-3. Special jeonse loan guarantee
Program definition: "A product that relaxes the handling requirements by target group compared with the general jeonse loan guarantee." Original checked on 2026-08-18. (S4)
| Original target name | Eligibility (original) | Limit (original) | Special terms (original) |
|---|---|---|---|
| Young people without a home | A person without a home aged 34 or under as of the application date + combined annual income of the applicant and spouse of 70 million won or less | Up to 200 million won | When using 100 million won or less, the repayment-capacity guarantee limit is omitted and the guarantee ratio is 100%. Senior-claim check and claim protection mandatory |
| Multi-child households | 2 or more minor children under the Civil Act (including unborn children) | Up to 200 million won | Repayment-capacity guarantee limit and CSS assessment omitted |
| Users of policy-based microfinance | Annual income of 45 million won or less at the application date + repaid a Korea Inclusive Finance Agency microfinance product 6 or more times without delinquency, or within 4 years of full repayment | Up to 60 million won (80 million won with claim protection). If annual income is 15 million won or less, up to 50 million won (60 million won with claim protection) | Repayment capacity and CSS omitted, guarantee ratio 100% (90% for loans funded by the Housing and Urban Fund) |
| Credit recovery support recipients | A person with no credit management information who meets one of S4 ①–④ (3 years of faithful payment or full repayment under credit recovery, 8 years after bankruptcy discharge, 8 years after approval of individual rehabilitation, etc.) | Up to 50 million won (60 million won with claim protection) | Repayment capacity and CSS omitted, guarantee ratio 100% |
| Partial installment repayment agreement holders | A person without a home who agrees to repay 5% or more of the principal in installments during the loan period | Up to 222 million won | Preferential guarantee limit, guarantee ratio 100% |
| Housing and Urban Fund refinancing loans | A person refinancing a Housing and Urban Fund jeonse loan such as a Beotimmok jeonse loan | Up to 200 million won | Repayment capacity and CSS omitted |
| Rental housing tenants | Tenants of rental properties of public housing operators and rental businesses recognized by the Corporation | Up to 200 million won | Repayment-capacity guarantee limit omitted, claim protection mandatory |
| Tenants relocating from redevelopment and reconstruction complexes | Tenants who lived for 6 months or more on jeonse or monthly rent in a complex with approved management and disposal plans and are relocating or have relocated | Up to 200 million won | Repayment capacity omitted, claim protection mandatory |
| Tenants with a registered leasehold | Combined annual income of the applicant and spouse of 130 million won or less + a leasehold registration order application has been received or registered and the tenant wishes to relocate | Up to 400 million won | Repayment-capacity guarantee limit not applied, claim protection mandatory |
| Small self-employed persons | Without a home, in business for 1 year or more since opening + business income of 25 million won or less. If this cannot be confirmed, a simplified taxpayer with a prior-year VAT sales tax base under 48 million won | Up to 60 million won (80 million won with claim protection) | Repayment capacity and CSS omitted, guarantee ratio 100% |
| Socially disadvantaged persons | National basic livelihood security recipients, near-poverty groups, persons with severe disabilities, North Korean defectors, self-reliant children, child-headed households, multicultural families, those supporting elderly parents, permanent rental housing tenants, small-amount lessees, disaster victims | Up to 50 million won (60 million won with claim protection) | Repayment capacity and CSS omitted, guarantee ratio 100% |
| Jeonse fraud victims | Article 2, subparagraph 4, item (a) or (c) of the Special Act on Support for Jeonse Fraud Victims and Housing Stability | Up to 100 million won | Repayment capacity and CSS omitted, guarantee ratio 100%, claim protection mandatory. Application timing: after the auction or public sale ends, within 3 years of the decision date (even after 3 years, possible within 1 year after the sale ends) |
| Housing pension subscribers | A housing pension guaranteed person or spouse who must live in a home other than the collateral home because of participation in redevelopment, reconstruction or remodeling | Up to 300 million won | Preferential guarantee limit, repayment capacity and CSS omitted, guarantee ratio 100%, claim protection mandatory |
| No-Lump-Sum Jeonse II | Without a home + combined annual income of the applicant and spouse of 60 million won or less + lease deposit of 300 million won (200 million won outside the capital region) or less | Up to 300 million won | Preferential guarantee limit, claim protection mandatory |
| Stepping-Stone Jeonse Loan Guarantee | Combined annual income of the applicant and spouse of 70 million won or less + a head of household currently using a jeonse loan from a secondary financial institution in good standing | Up to 150 million won | CSS omitted, guarantee ratio 100%, guarantee application timing requirement not applied |
| Special jeonse loan guarantee for permanent rental housing tenants | Tenants of permanent rental apartments of LH, SH, local public corporations, etc. | 50 million won (60 million won with claim protection) | Repayment capacity and CSS omitted, guarantee ratio 100% |
3-4. Agreement jeonse loan guarantee
Program definition: "A jeonse loan guarantee product through which jeonse loan interest is subsidized or reduced under agreements with local governments, financial institutions, etc." "Check details on the local government website, etc." Original checked on 2026-08-18. (S5)
This table includes only the 4 nationwide rows.
| Original name | Eligibility summary (original) | Limit | Original additional notes |
|---|---|---|---|
| Newlywed and multi-child household agreement | Newlyweds married within 7 years as of the application date or planning to marry within 3 months, or multi-child households with 2 or more minor children under the Civil Act (including unborn children) | Up to 200 million won | Preferential interest reduction of 0.15%p or more. Handling banks (original): Hana, Kookmin |
| Single-parent household agreement | A single-parent household as of the application date + lease deposit of 700 million won (500 million won outside the capital region) or less | Up to 200 million won (near-poverty 30 million won, 45 million won with claim protection) | Interest reduction of 0.1%p or more. Handled by Hana |
| Fixed-rate agreement | A person without a home who has applied for a fixed-rate jeonse loan as of the application date | Up to 400 million won | Handling (original): Kyongnam, IBK, K, Hana, Toss |
| Agreement for employees of social welfare institutions and social economy enterprises | Employed at a social welfare institution etc. for 3 months or more + annual income of 50 million won or less | Up to 200 million won | Interest reduction of 0.15%p |
For local government rows, check the eligibility and limits by city and province at the S5 URL.
4. Table B. Housing and Urban Fund Beotimmok eligibility and limits
Common net asset sentence: "At or below the average for all households in income quintile 3 in 'Assets and liabilities by income quintile' of the most recent Survey of Household Finances and Living Conditions published by Statistics Korea (rounded at the 100,000 won unit)." 345 million won as of 2026. (S10, S11, S12)
Definition of head of household: the head of a household made up of a spouse, lineal ascendants (including the spouse's lineal ascendants) and lineal descendants (siblings not included). Deemed a head of household: ① a spouse who is a member of the head of household's household ② a prospective head of household due to marriage within 3 months as of the loan application date. For the Beotimmok jeonse loan, "including a prospective head of household through household separation or merger within 1 month of the loan execution date". (S10)
No duplicate loans: persons not using a Housing and Urban Fund loan, a bank-funded jeonse loan (including relocation costs) or a mortgage loan. Some exceptions for interim lease payments are in the S10 original. (S10)
Application timing: within 3 months of the earlier of the balance payment date and the move-in date. Renewal is within 3 months of the contract renewal date (for a switch from monthly rent to jeonse, the switch date).
Choice of collateral: ① HF jeonse loan guarantee ② Korea Housing & Urban Guarantee Corporation (HUG) Jeonse Deposit Safe Loan Guarantee ③ assignment of the deposit return claim to a claim assignment agreement institution. The guarantee limit "follows the regulations of the relevant guarantee". (S10)
4-1. Beotimmok jeonse loan
Program name: Beotimmok Jeonse Loan. Original checked on 2026-08-18. (S10)
Headline interest rate: 2.5%–3.5% per year (variable rate, announced by the Ministry of Land, Infrastructure and Transport). The income × deposit detail boxes are empty in the original checked on 2026-08-18.
| Item | General households | Newlywed households | 2 or more children (multi-child, two-child) |
|---|---|---|---|
| Program name | Beotimmok Jeonse Loan | Household category within the same product | Household category within the same product |
| Income | Combined annual income of the loan applicant and spouse of 50 million won or less | 75 million won or less for newlyweds | 60 million won or less for multi-child and two-child households. (Employees of public institutions relocated to innovation cities, tenants in redevelopment zones and relocation support for hazardous buildings are also 60 million won or less, in the same original item) |
| Assets | 345 million won or less as of 2026 | Same | Same |
| Housing | All household members including the head of household own no home | Same | Same |
| Down payment | 5% or more of the lease deposit paid | Same | Same |
| Exclusive area of the leased unit | 85㎡ (100㎡ for eup and myeon outside urban areas, excluding the capital region). Residential officetels 85㎡ or less | Same | Same |
| Lease deposit cap | 300 million won in the capital region, 200 million won outside the capital region | 400 million won in the capital region, 300 million won outside the capital region | 400 million won in the capital region, 300 million won outside the capital region |
| Loan limit per unit | 120 million won in the capital region (Seoul, Incheon, Gyeonggi), 80 million won outside the capital region | 250 million won in the capital region, 160 million won outside the capital region | 250 million won in the capital region, 160 million won outside the capital region |
| Ratio (new) | Within 70% of the jeonse amount | Within 80% of the jeonse amount | Within 80% of the jeonse amount |
| Ratio (renewal) | Within the increased amount, up to 70% of the total deposit after the increase | Up to 80% of the total deposit after the increase (within the increased amount) | Same |
| Term | Within 2 years, not exceeding the lease end date. Up to 10 years. HUG Jeonse Deposit Safe up to 2 years 1 month (up to 10 years 5 months). After the maximum 10 years, 2 more years per minor child at the time of extension (up to 20 years) | Same | Same |
| Headline interest rate | 2.5%–3.5% per year (variable rate, announced by the Ministry of Land, Infrastructure and Transport) | ||
| Income × deposit rate details | |||
| Application | Non-face-to-face through Fund e-Deundeun, or at a trustee bank. "Checking loan eligibility and the loan limit" is the original wording for the trustee bank document review stage |
Original limit calculation: "the smallest of the following" = per-unit limit / required-funds ratio / limit by collateral. For employees with less than 1 year of employment, the loan limit may be restricted to 20 million won or less. (S10)
4-2. Youth-only Beotimmok jeonse loan
Program name: Youth-Only Beotimmok Jeonse Loan. Original checked on 2026-08-18. (S11)
Headline interest rate: 2.2%–3.3% per year.
| Item | Original |
|---|---|
| Age | A head of household (including a prospective head of household) aged 19 to 34 as of the loan application date. Share houses (owned by claim assignment agreement institutions) are an exception to the head-of-household requirement. For persons aged 34 or under employed at small or mid-sized companies or receiving startup guarantees or funding from SBC, KODIT or KIBO, the age is extended by the period of military service, up to 39 |
| Income | Combined income of the applicant and spouse of 50 million won or less. 60 million won or less for employees of public institutions relocated to innovation cities, redevelopment tenants, and multi-child and two-child households; 75 million won or less for newlywed households |
| Assets | 345 million won or less as of 2026 |
| Housing | All household members own no home |
| Lease deposit cap | 300 million won or less |
| Area | 85㎡ or less (including residential officetels). 60㎡ or less for single-person heads of household under 25. No area limit for share houses (agreement institutions) |
| Per-unit limit (current) | Within 150 million won (120 million won for single-person heads of household under 25) |
| Previous limit | However, contracts signed on or before '25.6.27. are subject to a limit of 200 million won (150 million won for single-person heads of household under 25) |
| Ratio | New: within 80% of the jeonse amount. Renewal: within the increased amount, up to 80% of the total deposit after the increase |
| Headline interest rate | 2.2%–3.3% per year |
| Term | Within 2 years, up to 10 years (HUG Safe 2 years 1 month, up to 10 years 5 months; additional for minor children, up to 20 years) |
Original interest rate table (lease deposit of 300 million won or less) (S11)
| Annual income | Interest rate |
|---|---|
| Up to 20 million won | 2.2% per year |
| Over 20 million to 40 million | 2.5% per year |
| Over 40 million to 60 million | 2.9% per year |
| Over 60 million to 75 million | 3.3% per year |
0.2%p reduction for properties outside the capital region.
4-3. Newborn special Beotimmok loan
Program name: Newborn Special Beotimmok Loan (page title). The body says "Newborn Special Beotimmok Loan" with a space. Original checked on 2026-08-18. (S12)
Headline interest rate: 1.3%–4.3% per year. "Rate when the special rate applies (basic 4 years)". The income × deposit detail boxes are empty in the original checked on 2026-08-18.
| Item | Original |
|---|---|
| Birth | Birth (adoption) within 2 years as of the loan application date. For children born on or after '23.1.1. Unborn children during pregnancy not included. For adoption, the adopted child is under age 2 as of the application date. Births and adoptions without a marriage registration can also be handled |
| Income | Combined annual income of the applicant and spouse of 130 million won or less. If both have income, combined 200 million won or less (each spouse 130 million won or less) |
| Assets | 345 million won or less as of 2026 |
| Housing | All household members own no home (without a marriage registration, including the parents listed on the newborn's family relationship certificate) |
| Lease deposit cap | 500 million won in the capital region, 400 million won outside the capital region |
| Area | 85㎡ (100㎡ for eup and myeon outside urban areas, excluding the capital region). Officetels 85㎡ or less |
| Per-unit limit (current) | Within 240 million won. Within 80% of the lease deposit (new). Renewal: up to 80% of the total deposit after the increase (within the increased amount) |
| Previous limit | However, contracts signed on or before '25.6.27. are subject to a limit of 300 million won |
| Headline interest rate | 1.3%–4.3% per year |
| Income × deposit rate details | |
| Term | Within 2 years, up to 12 years. HUG Safe up to 2 years 1 month (up to 12 years 6 months). After 12 years, 2 years per minor child (up to 20 years) |
Original application URL: Fund e-Deundeun website (https://enhuf.molit.go.kr). Banks available through Fund e-Deundeun (original): Woori, Kookmin, Shinhan, NongHyup, Hana. (S14)
5. Limit formulas
HF general jeonse loan guarantee (S2)
- min(① 400 million − balance, or 180/200 million for owners of 1 home, ② deposit × 80% − balance, ③ repayment capacity)
- Then 8/9 of the calculated result in the capital region and regulated areas
Fund Beotimmok products (S10, S11, S12)
- min(per-unit cap, jeonse amount × 70% or 80%, limit by collateral)
- If the collateral is HF, the "HF regulations"; if HUG, the "HUG regulations"
Assumption sentences in the HF estimated guarantee amount lookup (S8)
"All guarantee limits assume a bank-funded loan secured on a home owned by a general rental business, with claim protection measures in place."
"The lookup result is calculated from minimal information on the premise of a person without a home who meets the requirements of the guarantee, so it may differ from the actual result."
No personal limit simulation is included.
6. Recalculating the lease deposit: the jeonse-to-monthly-rent conversion rate
The formula for recalculating the lease deposit for a lease with monthly rent is common to the HF finder, general and special originals.
Monthly-rent deposit + (monthly rent × 12 ÷ jeonse-to-monthly-rent conversion rate)
| Announcement | Rate | Effective | Source |
|---|---|---|---|
| Second half of 2026 (current, as of the check date) | 6.5% | Guarantee applications from 2026.7.1. (Wed) | S16, posted 2026-06-22 |
| First half of 2026 (previous) | 6.4% | Guarantee applications from 2026.1.2. (Fri) | S15, posted 2025-12-19 |
| Second half of 2025 (previous) | 6.2% | Guarantee applications from 2025.7.1. (Tue) | S25, posted 2025-06-23 |
Original purpose: "The lease deposit is recalculated by applying the jeonse-to-monthly-rent conversion rate in the guarantee review for new applications for general, group and special jeonse loan guarantees." Addition in the second-half notice: eligibility is judged by "total lease deposit = {lease deposit + (monthly rent × 12 ÷ jeonse-to-monthly-rent conversion rate)}". (S16)
7. Jeonse protection guarantees (return guarantees)
This is not a loan limit table. It is a guarantee for the return of the lease deposit.
"Currently using an HF jeonse loan guarantee or applying together with a jeonse loan guarantee." "Available only if the entire lease deposit is at or below the guarantee limit." (S17) "A guarantee for part of the lease deposit is not possible." (S6)
Table C. Protection guarantees
| Item | General Jeonse Protection Guarantee | Special Jeonse Protection Guarantee_for Tenants |
|---|---|---|
| Launch and definition | If the landlord does not return the deposit without a legitimate reason, the Corporation pays | Mandatory when "a landlord who used a mortgage loan for the purpose of returning a jeonse deposit under relaxed DSR rules" signs a contract with a subsequent tenant, to protect the subsequent tenant's deposit. Launched '23.7.27. |
| Lease deposit | 700 million won or less (500 million won or less outside the capital region). Contracts on or after 2020.4.1. (including implied renewal). Term of 1 year or more | 1 billion won or less. Term of 1 year or more. The contract bears a licensed real estate agent's seal and the special protection rider |
| Eligible persons | Using a Corporation jeonse loan guarantee at the financial institution concerned, or applying simultaneously with a jeonse loan guarantee (execution of a guaranteed jeonse loan mandatory). A head of household who has paid 5% or more of the deposit | A tenant whose target property is the collateral home for the deposit-return loan. Can be handled even without using a Corporation jeonse loan guarantee. Special-guarantee eligible persons cannot apply for the general protection guarantee. A head of household who has paid 5% or more of the deposit |
| Target property price | Home price calculated by the Corporation of 1.2 billion won or less | Same |
| Limit | The smaller of ① 90% of the home price (home value) − total senior claims and ② the regional limit of 700 million won (500 million won outside Seoul/Gyeonggi/Incheon) | The smaller of ① the same formula and ② 1 billion won per person (no regional distinction) |
| Senior-claim restrictions | Detached and multi-household houses: total senior claims within 80% of home value + senior mortgages within 60% (both). Others: total senior claims within 60%. For contracts on or before '23.9.30, you can apply if total senior claims are at or below the home value and mortgages are 78% or less | Same + the same previous cutoff |
| Application timing | Before half of the lease term has passed (for Toss Bank, up to 3 months from the execution date of the jeonse or monthly-rent deposit loan) | Before half of the lease term has passed |
| Claim protection | Applications on or after '24.7.10: the deposit return claim is assigned to the Corporation before the letter of guarantee is issued | Same |
| Guarantee fee rate | 0.04%–0.18% per year (reduced by 0.01%p–0.03%p when preferential). LTV bands: 70% or less 0.04%, over 70 up to 80 0.11%, over 80 up to 90 0.18% | Apartments 0.13%, other housing 0.15% |
General Jeonse Protection Guarantee: S6. Special Jeonse Protection Guarantee_for Tenants: S7. Originals checked on 2026-08-18.
8. Where to look it up
| Name (original) | URL | What the original says about limits |
|---|---|---|
| Find a jeonse loan guarantee | https://www.hf.go.kr/ko/sub02/sub02_01_01.do | Income not considered, may differ from the actual result. For accuracy, the Internet Financial Service |
| Estimated guarantee amount lookup: jeonse loan guarantee | https://www.hf.go.kr/ko/sub02/sub02_03_01.do | Premise of a person without a home, minimal information, may differ from the actual result. Assumes claim protection and a general rental business |
| Estimated guarantee amount lookup: jeonse protection guarantee | https://hf.go.kr/ko/sub02/sub02_03_03.do | Minimal information on home price and senior claims, no binding effect. Limit lookup not available for detached and multi-household houses |
| Check eligibility to apply for the jeonse protection guarantee | https://www.hf.go.kr/ko/sub02/sub02_05_06.do | Even without conflicts, it may be refused depending on review, credit and the target property. Exact eligibility is reviewed after the handling bank receives the application |
| Internet Financial Service | "Internet Financial Service" at the top of the Corporation website (www.hf.go.kr) | "Check more details through the Internet Financial Service" |
| Smart Housing Finance | App name in the S9 original | HF Jeonse ON: look up and apply for the guarantee limit in advance on the website or mobile |
| Fund portal Beotimmok loan guide | https://nhuf.molit.go.kr/FP/FP05/FP0502/FP05020101.jsp | Visit a trustee bank to check |
| Youth-only Beotimmok loan guide | https://nhuf.molit.go.kr/FP/FP05/FP0502/FP05020301.jsp | Same |
| Newborn special Beotimmok loan guide | https://nhuf.molit.go.kr/FP/FP05/FP0502/FP05021401.jsp | Same |
| Fund e-Deundeun | https://enhuf.molit.go.kr | "Submit the required documents at a bank branch: check loan eligibility and the loan limit, loan execution" |
| Korea Federation of Banks consumer portal, household loan interest rates | https://portal.kfb.or.kr/compare/loan_household_new.php | Comparative disclosure of household loans. The menu has a jeonse loan item |
| Korea Federation of Banks | https://www.kfb.or.kr | Parent of the portal |
HF Jeonse ON: "A service for looking up and applying for the guarantee limit in advance on the website or mobile for a Hana Bank jeonse loan." (S9)
Customer center (original): HF 1688-8114 (Housing Guarantee Department). Fund loan review: HUG 1566-9009 and trustee banks. Asset review 1551-3119.
9. Where interest rates are disclosed
The Korea Federation of Banks consumer portal publishes comparative household loan interest rates (including a jeonse loan item). (S19)
The Korea Housing Finance Corporation publishes weekly and monthly average interest rates for jeonse loans made with the Corporation's letter of guarantee as collateral. Loans funded by the Housing and Urban Fund such as the Beotimmok jeonse loan, and local government interest support agreement products, are excluded. Check the actual applicable rate with the bank you want to borrow from. (S20, S21)
- Weekly: https://hf.go.kr/ko/sub02/sub02_01_07_01.do
- Monthly: https://hf.go.kr/ko/sub02/sub02_01_07_02.do
The headline interest rate ranges for the Beotimmok Jeonse Loan, Youth-Only Beotimmok Jeonse Loan and Newborn Special Beotimmok Loan are placed only in the original boxes of Table B.
10. Application timing and documents
Original document list for the general jeonse loan guarantee (S2)
- Certified copy of resident registration and ID
- Annual income verification documents and certificate of employment or business registration certificate
- Lease contract with a fixed-date stamp and receipt for the down payment etc.
Application timing (general jeonse loan guarantee): new applications within 3 months of the earlier of the balance payment date and the resident registration move-in date. Renewals within 3 months of the contract renewal date (3 months or more after the move-in date). (S2)
Fund documents are checked against the documents listed by the trustee banks and Fund e-Deundeun. (S12, S14)
11. Sentences where eligibility and limits reappear in condition changes and term extensions
Original condition change guide. Checked on 2026-08-18. (S22)
- If the lease deposit exceeds 700 million won (500 million won outside Seoul/Gyeonggi/Incheon), only 1 term extension is allowed.
- For multi-home owners or those who acquired a regulated apartment, whether an extension is possible and its length differ depending on when the loan was newly made and the reason for and timing of the acquisition.
- The general jeonse loan guarantee and the special jeonse loan guarantee for young people without a home have restrictions on changing the target property. However, bank-funded general jeonse or young-people-without-a-home special jeonse applied for on or before 2025.8.27. may change the target property once.
- For group guarantees, the target property can only be changed to another building or unit number with the same landlord in the same rental complex.
- If the lease deposit is reduced in a condition change, the guaranteed loan must be reduced.
12. What this post does not write
- Product recommendations, solicitations to sign up, "Beotimmok is better", "HF is better", "this bank is lower"
- One-line lowest or highest interest rates, reproducing the figures in the S20 and S21 tables, extracting the lowest rate from KFB disclosures
- Evaluations of specific banks. Lists of handling institutions only as enumerated in the originals
- The main DSR piece from issue 7. How DSR is calculated for tenants' jeonse loans
- An eligibility and limit table for the loan exclusively for young people employed at small and medium enterprises
- Invented limit figures for the HUG Jeonse Deposit Safe Loan Guarantee
- Personal "my limit" calculation examples
- News and bank marketing pages
Overall comparison table
"—" means the page body has no figure for that box.
| Program | Operator | Income | Assets | Housing | Lease deposit cap | Limit | Date |
|---|---|---|---|---|---|---|---|
| General jeonse loan guarantee | HF | No annual income cap figure in the page body (reflected through repayment capacity) | No net asset cap in the page body | Up to 1 home. No acquisition of apartments over 300 million in speculation or overheated speculation areas | 700 million (500 million outside Seoul, Gyeonggi and Incheon) | min(400 million − balance or 180/200 million for owners of 1 home, deposit × 80%, repayment capacity), then 8/9 in the capital region and regulated areas. Guarantee ratio 90% (80% in the capital region and regulated areas) | Checked 2026-08-18 |
| Group jeonse loan guarantee | HF | Same intent as general | — | Same as general + group-approved site | Same 700/500 million | min(by category 400/200/180/200 million, deposit × 80% or 90% for public), then 8/9 | Checked 2026-08-18 |
| Special: young people without a home | HF | Combined 70 million or less | — | No home, aged 34 or under | — | Up to 200 million. At 100 million or less, repayment capacity omitted and ratio 100% | Checked 2026-08-18 |
| Special: multi-child | HF | No income cap in the body | — | 2+ minor children | — | Up to 200 million | Checked 2026-08-18 |
| Newlywed and multi-child agreement | HF | No income figure in the nationwide agreement row of the body | — | Newlyweds within 7 years / marrying within 3 months, or multi-child | — | Up to 200 million | Checked 2026-08-18 |
| Beotimmok jeonse loan, general | Fund | 50 million won or less | 345 million (2026) | No home for the whole household | Capital region 300 million / elsewhere 200 million | Capital region 120 million / elsewhere 80 million, 70% of the jeonse amount | Checked 2026-08-18 |
| Beotimmok newlywed | Fund | 75 million won or less | 345 million (2026) | No home | Capital region 400 million / elsewhere 300 million | Capital region 250 million / elsewhere 160 million, 80% | Checked 2026-08-18 |
| Beotimmok 2 or more children | Fund | 60 million won or less | 345 million (2026) | No home | Capital region 400 million / elsewhere 300 million | Capital region 250 million / elsewhere 160 million, 80% | Checked 2026-08-18 |
| Youth-only Beotimmok | Fund | 50 million (exceptions 60 million, newlyweds 75 million) | 345 million (2026) | No home, aged 19–34 (up to 39 with military service) | 300 million | 150 million (120 million for single heads of household under 25), 80%. Contracts on or before '25.6.27.: 200 million / 150 million | Checked 2026-08-18; cutoff 2025-06-27 |
| Newborn special Beotimmok | Fund | 130 million (dual income 200 million, each 130 million or less) | 345 million (2026) | No home, birth on or after '23.1.1. within 2 years | Capital region 500 million / elsewhere 400 million | 240 million, 80%. Contracts on or before '25.6.27.: 300 million | Checked 2026-08-18; cutoff 2025-06-27 |
Sources
- [S1] Korea Housing Finance Corporation, "Find a jeonse loan guarantee", https://www.hf.go.kr/ko/sub02/sub02_01_01.do, checked 2026-08-18.
- [S2] HF, "General jeonse loan guarantee", https://www.hf.go.kr/ko/sub02/sub02_01_02.do, checked 2026-08-18.
- [S3] HF, "Group jeonse loan guarantee", https://www.hf.go.kr/ko/sub02/sub02_01_03.do, checked 2026-08-18.
- [S4] HF, "Special jeonse loan guarantee", https://www.hf.go.kr/ko/sub02/sub02_01_04.do, checked 2026-08-18.
- [S5] HF, "Agreement jeonse loan guarantee", https://www.hf.go.kr/ko/sub02/sub02_01_05.do, checked 2026-08-18.
- [S6] HF, "General Jeonse Protection Guarantee", https://www.hf.go.kr/ko/sub02/sub02_05_01.do, checked 2026-08-18.
- [S7] HF, "Special Jeonse Protection Guarantee_for Tenants", https://www.hf.go.kr/ko/sub02/sub02_05_04.do, checked 2026-08-18.
- [S8] HF, "Estimated guarantee amount lookup: jeonse loan guarantee", https://www.hf.go.kr/ko/sub02/sub02_03_01.do, checked 2026-08-18.
- [S9] HF, "HF Jeonse ON (With. Hana Bank)", https://www.hf.go.kr/ko/sub02/sub02_01_10.do, checked 2026-08-18.
- [S10] Housing and Urban Fund, "Beotimmok Jeonse Loan guide", https://nhuf.molit.go.kr/FP/FP05/FP0502/FP05020101.jsp, checked 2026-08-18.
- [S11] Housing and Urban Fund, "Youth-Only Beotimmok Jeonse Loan guide", https://nhuf.molit.go.kr/FP/FP05/FP0502/FP05020301.jsp, checked 2026-08-18.
- [S12] Housing and Urban Fund, "Newborn Special Beotimmok Loan guide", https://nhuf.molit.go.kr/FP/FP05/FP0502/FP05021401.jsp, checked 2026-08-18.
- [S13] Housing and Urban Fund, "Beotimmok Jeonse Loan for Relocation Support of Housing-Vulnerable Groups guide [private]", https://nhuf.molit.go.kr/FP/FP05/FP0502/FP05021301.jsp
- [S14] Housing and Urban Fund, Newborn Special "Procedure and required documents", https://nhuf.molit.go.kr/FP/FP05/FP0502/FP05021406.jsp
- [S15] HF notice, "Jeonse-to-monthly-rent conversion rate for the first half of 2026", https://www.hf.go.kr/ko/sub04/sub04_08.do?articleNo=599598&mode=view, posted 2025-12-19.
- [S16] HF notice, "Jeonse-to-monthly-rent conversion rate for the second half of 2026", https://www.hf.go.kr/ko/sub04/sub04_08.do?articleNo=600176&mode=view, posted 2026-06-22.
- [S17] HF, "Jeonse protection guarantee estimated guarantee amount lookup", https://hf.go.kr/ko/sub02/sub02_03_03.do, checked 2026-08-18.
- [S18] HF Internet Financial Service: Corporation website www.hf.go.kr → [Internet Financial Service].
- [S19] Korea Federation of Banks consumer portal, household loan interest rates, https://portal.kfb.or.kr/compare/loan_household_new.php, checked 2026-08-18.
- [S20] HF, "Jeonse loan interest rate guide, weekly", https://hf.go.kr/ko/sub02/sub02_01_07_01.do, checked 2026-08-18. Figures not reproduced in the body.
- [S21] HF, "Jeonse loan interest rate guide, monthly", https://hf.go.kr/ko/sub02/sub02_01_07_02.do. Figures not reproduced in the body.
- [S22] HF, "Condition change guide", https://hf.go.kr/ko/sub02/sub02_01_08.do, checked 2026-08-18.
- [S23] The Financial Supervisory Service "Comparative disclosure by association" URL returned a 500 error when fetched on 2026-08-18. No interest rate figures in the body. The channel used is the S19 KFB portal.
- [S25] HF notice, "Jeonse-to-monthly-rent conversion rate for the second half of 2025", https://www.hf.go.kr/ko/sub04/sub04_08.do?articleNo=598636&mode=view, posted 2025-06-23. Jeonse-to-monthly-rent conversion rate 6.2%, effective for guarantee applications from 2025.7.1.
- [S24] HF notice list, https://www.hf.go.kr/ko/sub04/sub04_08.do: "Notice of changes to the jeonse loan guarantee system" 2025-12-24 (articleNo=599606), "Notice of changes to the jeonse loan guarantee system to favor child-rearing households" 2026-01-28 (articleNo=599697). Title, date and link only.