Pick the Didimdol Loan or the Newborn Special Loan, enter your income, assets, and the home's purchase price, and this checks eligibility and estimates your LTV-based loan limit. Because the income/asset/price caps, LTV, and loan caps all shift with government policy, only reference defaults are auto-filled for the selected product — everything stays directly editable.
First-time buyers, newlywed households, households with 2+ children, and similar special categories may have different income/price caps and loan caps. Edit the criteria fields below to match the current official announcement.
If you have more than one child, enter the most recent birth (or adoption) date.
The birth or adoption must fall within this window, measured from the loan application date, to qualify. This window has changed with policy announcements before, so verify the current figure and edit it if needed.
Reference defaults for the selected loan product are auto-filled here. Because the income/asset/price caps, LTV, and loan caps all change under government housing policy, none of these are fixed values — check the latest official announcement from the Korea Housing Finance Corporation (HF) or Fund e-Deundeun before you apply, and edit the fields below to match.
Enter combined household income, net assets, and the home's purchase price to check eligibility and estimate your loan limit.
At least one of the requirements above isn't met. The figures below assume every requirement is met, so treat them as reference only.
This is a reference estimate only and does not guarantee loan approval. Both the Didimdol Loan and the Newborn Special Loan are policy home-purchase loans guaranteed by the Korea Housing Finance Corporation (HF) and handled through Fund e-Deundeun (Housing and Urban Fund) — applying requires meeting the no-home household head requirement together with the combined household income, net asset, and house price caps, the loan-to-value ratio (LTV), and the product's overall loan cap. This calculator approximates your final loan limit as the lower of the 'LTV-based limit (house price × LTV cap)' and the 'product's overall loan cap'; the actual underwriting review also factors in DSR/DTI, credit score, existing loans, the property's actual appraised value, and the mandatory minimum-deposit protection deduction (방공제) for tenant priority claims, any of which can change your real limit. The income/net asset/house price caps, LTV, loan caps, and — for the Newborn Special Loan — the eligible birth/adoption window are all expanded or tightened from time to time under government policy and budget conditions, so this calculator avoids hardcoded figures: it only auto-fills reference defaults for the selected product, and all date comparisons are made dynamically against the actual current date at calculation time. Before applying, always verify the latest official announcement and your exact eligibility through Fund e-Deundeun (nhuf.molit.go.kr) or the Korea Housing Finance Corporation. This is not legal or financial advice.