한국주택금융공사, 특례보금자리론/전세자금대출 정리, 이젠 디딤돌대출

Korea Housing Finance Corporation Loan Products Summary

Korea Housing Finance Corporation offers three main loan products: Special Housing Loan, Rental Deposit Loan, and Didimdol Loan. Each loan product serves different purposes and target groups.

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Special Housing Loan

Summary: Special long-term fixed-rate housing loan that combines reassurance conversion loans and qualified loans to mitigate interest rate risks for low-income and genuine demand borrowers during interest rate hikes.

Key Features: Operates temporarily for one year.

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한국주택금융공사 특례보금자리론/전세자금대출/디딤돌대출 정리 👈 클릭

Rental Deposit Loan

Summary: Loan product secured by Korea Housing Finance Corporation's guarantee certificate. Caution: Make sure to distinguish between the corporation's rental deposit loan and those offered by housing finance funds and banks as they are separate products.

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Didimdol Loan

Summary: A policy mortgage loan for low-income genuine demand borrowers, integrating the government's housing finance support programs. This loan is operated by Korea Housing Finance Corporation and specifically targets low-income genuine demand borrowers.

Key Features: Support provided to low-income genuine demand borrowers.

Details and Comparison of Interest Rates

Korea Housing Finance Corporation Special Housing Loan Interest Rates

Currently, only the premium-type product is available as the regular-type Special Housing Loan application has been temporarily suspended since September 27th.

Loan Term	10 Years	15 Years
Premium (House price ≤ 600 million won, Income ≤ 100 million won)	4.25%	4.35%
Premium t-house Loan	4.25%	4.35%

For detailed interest rates for Special Housing Loans, visit the official Korea Housing Finance Corporation website.

Korea Housing Finance Corporation Rental Deposit Loan Comparison by Bank

The advertised Rental Deposit Loan rates by Korea Housing Finance Corporation are the average rates for lease loans secured by the corporation's guarantee certificates during the respective periods.

Financial Institution	Interest Rate (Monthly)
Daegu Bank	2.36% - 2.76%
Kakao Bank	3.71% - 3.75%
Toss Bank	3.77%
Gyeongnam Bank	3.99%
KEB Hana Bank	4.15%

For the most recent Rental Deposit Loan interest rate comparison, visit the official page.

Korea Finance Corporation Didimdol Loan Interest Rates

The interest rates for Korea Finance Corporation's Didimdol Loan are as follows:

Income Level (Combined)	Loan Term (Years)	Interest Rate (%)
Up to 20 million won	10 Years	2.45%
20 million won to under 40 million won	15 Years	2.80%
40 million won to under 70 million won	20 Years	3.05%

For detailed information on Didimdol Loan preferential interest rates, visit the official page for more comprehensive details.

자주 묻는 질문 FAQ

질문 1. 특례보금자리론은 무엇인가요?

특례보금자리론은 소득이 낮거나 자산이 없어 중도금을 마련하기 어려운 분들을 위해 주택금융공사에서 운영하는 주택 구입자금 및 중도금 대출 상품입니다. 상환 기간도 길고, 이자율도 낮아서 안정적인 주거생활을 영위할 수 있도록 도와줍니다.

질문 2. 전세자금대출은 무엇인가요?

전세자금대출은 전세금을 대출받아 주택을 구입할 때 사용할 수 있는 대출 상품으로, 대출한 금액을 전세금으로 사용할 수 있습니다. 상환기간은 최대 20년으로 매월 이자만 내는 원리금균등방식을 적용하여 상환합니다.

질문 3. 디딤돌대출은 어떤 대출 상품인가요?

디딤돌대출은 청년층의 주거안정을 지원하기 위해 주택금융공사에서 운영하는 청약통장 담보대출 상품입니다. 청약통장 가입자 및 가입 6개월 이상 누적저축액이 3백만원 이상인 분들이 해당 대출을 신청할 수 있으며, 저렴한 금리와 우대조건이 적용되어 저소득층 청년들에게 많은 사랑을 받고 있습니다.