EasyTicket From jeonse and monthly rent to buying your first home, here are 8 government housing support programs, all in one place. The benefits you can get vary quite a bit by income bracket and household type, so quickly finding the program that fits your situation is key.
Housing Benefit, National Rental Housing, and Purchased Rental Housing are mainly for low-income households, while the Didimdol Loan, Beotimmok Jeonse Loan, and Shared Equity Mortgage are mainly for non-homeowners who actually need to buy or rent. Just checking the table below should tell you which category you fall into.
📋 8 Housing Support Programs at a Glance
| Program | Type | Who It’s For | Key Benefit |
|---|---|---|---|
| Housing Benefit | Cash/repair | Recognized income 48% of median or below | Rent and home-repair cost support |
| National Rental Housing | Rental supply | Non-homeowner, income 70% or below | Long-term rental, 30+ years |
| Existing Housing Purchase Rental | Rental supply | Low-income, non-homeowner | Affordable multi-family rental in the city center |
| Public Sale Housing | Sale | Non-homeowner household members | Chance to buy publicly developed housing |
| Didimdol Loan | Purchase funds | Combined couple income 60 million won or below | 2.45-3.55% low interest |
| Beotimmok Jeonse Loan | Jeonse funds | Combined couple income 50 million won or below | 2.1-2.9% jeonse loan |
| Jeonse Deposit Return Guarantee fee support | Guarantee fee | Non-homeowner, deposit 300 million won or below | Up to 400,000 won refunded |
| Shared Equity Mortgage | Purchase funds | Non-homeowner household head | Ultra-low 1.3-2.3% interest |
🏠 Rental and Cash Support to Check First If You’re Low-Income
Housing Benefit (Customized Benefit)
This is the first program to check. It supports rent or home-repair costs for households whose recognized income (income and assets combined, as assessed by the government) falls at or below 48% of the median income standard. For a 4-person household, that works out to roughly 3.11 million won or less in recognized income.
- Tier-3 area (metropolitan city), 4-person household: rental benefit up to 381,000 won
- Homeowning households get repair-and-maintenance benefits based on how aged the home is
- Apply anytime, in person at your local community service center (eup/myeon/dong) or online
- Inquiries: MyHome Call Center, 1600-0777
National Rental Housing Supply
This is public housing built by the Korea Land & Housing Corporation (LH) or a regional housing corporation and rented out long-term for 30+ years. General supply is open to non-homeowner household members whose income is 70% or below of urban workers’ average monthly income, and newlyweds, multi-child families, and national merit recipients can enter through priority supply.
For units over 60㎡ in exclusive area, you can apply with income up to 100% of the standard. Check the LH or regional housing corporation website regularly for recruitment announcements.
Existing Housing Purchase Rental Housing Program
Rather than new construction, this program has the public sector buy existing multi-family and multiplex homes and rent them out. Its biggest advantage is letting you stay affordably in your existing neighborhood. Top priority goes to recipients of livelihood/medical benefits, single-parent families, low-income seniors 65 and older, and registered persons with disabilities.
- Priority 1: Average monthly income 70% or below + permanent-rental-housing asset criteria
- Priority 2: Average monthly income 50% or below
- Priority 3: Among those with average monthly income 70% or below, selected by the mayor/governor
🏢 If You’re Preparing to Buy Your First Home
Public Sale Housing Supply
This program expands homeownership opportunities for ordinary non-homeowners. General supply for units of 60㎡ or less in exclusive area requires the previous year’s urban-worker average monthly income of 100% or below; special supply for newlyweds and first-time buyers requires 130% or below (140% for dual-income households).
| Supply Type | Income Standard |
|---|---|
| General supply (60㎡ or less) | Average monthly income 100% or below |
| Special supply for newlyweds/first-time buyers | Average monthly income 130% or below (140% for dual-income) |
| Special supply for elderly-parent support/multi-child households | Average monthly income 120% or below |
| General supply (over 60㎡) | No income standard |
Applications are submitted through the LH or SH Corporation website, timed to each occupant recruitment announcement.
Didimdol Loan for Homebuyers
This is the flagship program for low-interest home-purchase funds. Non-homeowners with combined couple annual income of 60 million won or below (70 million for first-time buyers, 85 million or below for newlywed households) can borrow up to 250 million won. The cap rises to 400 million won for newlyweds/households with 2+ children, and 300 million won for first-time buyers.
Eligible homes must be 85㎡ or less in exclusive area, valued at 500 million won or below (600 million won for first-time buyers/households with 2+ children). Interest rates range from 2.45-3.55%, varying by income and loan term.
Preferential rates for number of children, housing-subscription savings, single-parent status, and multicultural households cover a wide range, so your final rate can end up quite a bit lower.
🏦 Housing Support for Jeonse Tenants
Beotimmok Jeonse Loan
If you’re a household head aged 19 or older (25+ for single-person households), own no home, and have combined couple annual income of 50 million won or below, you can apply. General households in the Seoul metro area can borrow up to 120 million won, and newlyweds/households with 2+ children up to 300 million won in the metro area.
- Interest rate: 2.1-2.9% annually (1.2-2.1% for newlywed households)
- Preferential rate by number of children: up to 0.7 percentage points off (can go as low as 1.0%)
- Eligible homes: 85㎡ or less in exclusive area
- Term: 2-year lump-sum repayment, extendable up to 4 times for a maximum of 10 years
Jeonse Deposit Return Guarantee Fee Support
If you’re worried about jeonse fraud, this is a program worth checking. It refunds the guarantee fee for non-homeowner tenants with a deposit of 300 million won or less who’ve signed up for a Jeonse Deposit Return Guarantee through HUG, HF, or SGI.
- Young adults: annual income 50 million won or below
- Non-young-adults: annual income 60 million won or below (90% of the amount paid is supported)
- Newlyweds: annual income 75 million won or below
- Cap: up to 400,000 won (300,000 won for guarantees signed up before March 30, 2025)
Since these close early once each local government’s budget runs out, apply right away if you already have a guarantee — don’t put it off. You can apply in person at your city/county/district office or community service center, or online.
Shared Equity Mortgage Loan
This is an ultra-low-interest product for first-time buyers or household heads who haven’t owned a home in 5+ years. It’s for households with combined couple annual income of 60 million won or below (70 million for first-time buyers), buying a condo unit of 85㎡ or less valued at 600 million won or below.
| Category | Profit-Sharing Type | Profit-and-Loss-Sharing Type |
|---|---|---|
| Funding cap | 70% of home price (200 million won cap) | 40% of home price (200 million won cap) |
| Interest rate | 1.8% fixed | 1.3% for 5 years, then 2.3% |
| Repayment | 20-year equal principal and interest | 20-year bullet repayment at maturity |
Since you share any gain or loss with the Housing and Urban Fund when you sell, this program trades away part of your resale profit for a much lower interest rate.
✅ Pre-Application Checklist
- Check your household’s recognized income / combined couple annual income
- Check whether your household owns no home (check your resident registration and property-tax records)
- Get your jeonse/monthly-rent lease and full certified copy of the property register ready in advance
- Sort out your housing-subscription savings account, number of children, first-time-buyer status, and other preferential conditions
- Bookmark application channels like MyHome, LH, and Gigeum e-Deundeun
- If you already have guarantee insurance, apply separately for the guarantee fee support
Within the same category (e.g., rental vs. sale, loan vs. guarantee), applying for more than one program at once may be restricted. Before applying, be sure to check your eligibility with the MyHome Call Center (1600-1004) or your local community service center.
🔍 Frequently Asked Questions (FAQ)
Q. Can I receive both Housing Benefit and National Rental Housing?
A. The rental benefit is a cash subsidy that covers part of your rent, so National Rental Housing residents can sometimes still receive it. However, the rent calculation method is different, so check with your community service center based on your household’s specifics.
Q. Which is better, the Didimdol Loan or the Shared Equity Mortgage?
A. If you just need a simple low-interest loan, go with Didimdol. If you’re willing to share some of your resale gain for an even lower rate, the Shared Equity Mortgage is better. The right choice depends on your future selling plans and how long you intend to hold the home.
Q. Can I use the Beotimmok Loan and the Jeonse Deposit Return Guarantee fee support together?
A. Yes, they’re separate programs. You borrow your jeonse deposit through Beotimmok, and separately get the guarantee fee refunded for a return guarantee you signed up for on your own, so as long as you meet the conditions, you can use both.
Q. Where do I apply?
A. Apply for Housing Benefit and guarantee fee support at your community service center; for rental and sale housing, at the LH or SH Corporation website; and for the Didimdol Loan, Beotimmok Loan, and Shared Equity Mortgage, through Gigeum e-Deundeun or a designated bank (Woori, Kookmin, IBK, NongHyup, Shinhan).
Once you’ve sorted out your income and household type, you’ll often find you’re eligible to apply for at least 2-3 of the 8 programs above under your own name. EasyTicket put this together directly from Gov24 and MyHome materials, so go through the tables line by line to quickly find your category.