2025์‹ ์ƒ์•„ ํŠน๋ก€ ๋””๋”ค๋Œ๋Œ€์ถœ, ๋†“์น˜๋ฉด ํ›„ํšŒํ•ฉ๋‹ˆ๋‹ค! ์กฐ๊ฑด·์šฐ๋Œ€๊ธˆ๋ฆฌ ์™„๋ฒฝ ์ •๋ฆฌ

| ์‹ ์ƒ์•„ ํŠน๋ก€ ๋””๋”ค๋Œ๋Œ€์ถœ, ์ง€๊ธˆ ์™œ ๋‹ค์‹œ ์ฃผ๋ชฉ๋ฐ›์„๊นŒ? ์š”์ฆ˜ ๋ถ€๋™์‚ฐ ์‹œ์žฅ์ด ๋‹ค์‹œ ์ถœ๋ ์ด๊ณ  ์žˆ์–ด์š”. ์ฃผํƒ๋‹ด๋ณด๋Œ€์ถœ ๊ธˆ๋ฆฌ๋Š” ์™„๋งŒํ•˜๊ฒŒ ๋‚ด๋ ค๊ฐ€๋Š” ๋“ฏํ•˜์ง€๋งŒ, ์‹ค์ˆ˜์š”์ž ์ž…์žฅ์—์„œ๋Š” ์—ฌ์ „ํžˆ ๋ถ€๋‹ด์Šค๋Ÿฝ์ฃ . ์ด๋Ÿฐ ์ƒํ™ฉ์—์„œ ์ •๋ถ€๊ฐ€ ์‹ ์ƒ์•„ ์ถœ์‚ฐ ๊ฐ€๊ตฌ ๋ฅผ ์œ„ํ•ด ๋งˆ๋ จํ•œ ํŠน๋ก€์ƒํ’ˆ์ด ๋‹ค์‹œ ์ฃผ๋ชฉ๋ฐ›๊ณ  ์žˆ์Šต๋‹ˆ๋‹ค. 2023๋…„ ์ดํ›„ ์ถœ์‚ฐํ•œ ๊ฐ€๊ตฌ๋ผ๋ฉด ๋ˆ„๊ตฌ๋‚˜ ํ•œ ๋ฒˆ์ฏค ๋“ค์–ด๋ดค์„ ‘์‹ ์ƒ์•„ ํŠน๋ก€ ๋””๋”ค๋Œ๋Œ€์ถœ’ , ๊ทธ ์กฐ๊ฑด๊ณผ ์šฐ๋Œ€๊ธˆ๋ฆฌ, ๊ทธ๋ฆฌ๊ณ  ์‹ค์ˆ˜ํ•˜๊ธฐ ์‰ฌ์šด ํฌ์ธํŠธ๊นŒ์ง€ ์˜ค๋Š˜ ํ•œ๋ˆˆ์— ์ •๋ฆฌํ•ด๋“œ๋ฆด๊ฒŒ์š”. ํŠนํžˆ, 1์ฃผํƒ์ž์˜ ๋Œ€ํ™˜๋„ ๊ฐ€๋Šฅ ํ•˜๊ณ , ์ถ”๊ฐ€ ์ถœ์‚ฐ ์‹œ ๊ธˆ๋ฆฌ ํ˜œํƒ์ด ์ตœ๋Œ€ 15๋…„ ๊นŒ์ง€ ์ด์–ด์งˆ ์ˆ˜ ์žˆ๋Š” ์ ์€ ์ž๋…€ ๊ณ„ํš์ด ์žˆ๋Š” ๊ฐ€๊ตฌ์—๊ฒ ๋”ํ•  ๋‚˜์œ„ ์—†๋Š” ๊ธฐํšŒ๊ฐ€ ๋  ์ˆ˜ ์žˆ์–ด์š”. ์ง€๊ธˆ ์‹ ์ฒญ ๊ฐ€๋Šฅํ•œ์ง€, ์–ด๋–ค ๊ธฐ์ค€์„ ์ถฉ์กฑํ•ด์•ผ ํ•˜๋Š”์ง€ ๊ถ๊ธˆํ•˜์‹œ๋‹ค๋ฉด ์˜ค๋Š˜ ๊ธ€ ๋๊นŒ์ง€ ์ฝ์–ด๋ณด์‹œ๋ฉด ๋ถ„๋ช… ๋„์›€์ด ๋˜์‹ค ๊ฑฐ์˜ˆ์š”. ๐Ÿ“Œ ๋ชฉ์ฐจ ๋ณด๊ธฐ (ํด๋ฆญํ•˜์—ฌ ํŽผ์น˜๊ธฐ) | ์‹ ์ƒ์•„ ํŠน๋ก€ ๋””๋”ค๋Œ๋Œ€์ถœ, ์ง€๊ธˆ ์™œ ๋‹ค์‹œ ์ฃผ๋ชฉ๋ฐ›์„๊นŒ? | ๋Œ€์ถœ ์ž๊ฒฉ์š”๊ฑด ์ด์ •๋ฆฌ (2025๋…„ ๊ธฐ์ค€) | ๋Œ€์ถœ์กฐ๊ฑด – ํ•œ๋„, ๊ธˆ๋ฆฌ, ๊ธฐ๊ฐ„ | ์šฐ๋Œ€๊ธˆ๋ฆฌ ์ ์šฉ ์š”๊ฑด 7๊ฐ€์ง€ | ์‹ค์ˆ˜ํ•˜๊ธฐ ์‰ฌ์šด ์ฃผ์š” ํฌ์ธํŠธ | ์ž์ฃผ ๋ฌป๋Š” ์งˆ๋ฌธ ์ •๋ฆฌ (Q&A) | ์‹ ์ƒ์•„ ๋””๋”ค๋Œ๋Œ€์ถœ ์ฒดํฌ๋ฆฌ์ŠคํŠธ | ๋งˆ๋ฌด๋ฆฌ ์š”์•ฝ ๋ฐ ์‹ ์ฒญ ํŒ | Why the “Newborn Special Didimdol Loan” is getting attention again The housing market has been fluctuating again recently. While mortgage interest rates seem to be slightly declining, they remain a heavy burden for actual homebuyers. That’s why the government’s special mortgage program for families with newborns — t...

๐Ÿ’ ์‹ ํ˜ผ๋ถ€๋ถ€ ์ „์„ธ๊ธˆ ์ง€์›, ๋ชจ๋ฅด๋ฉด ์ง„์งœ ์†ํ•ด!



์•ˆ๋…•ํ•˜์„ธ์š”, ๋จธ๋‹ˆ๋กœ๊ทธ(MoneyLog)์ž…๋‹ˆ๋‹ค!
ํ˜น์‹œ ์ง€๊ธˆ ๊ฒฐํ˜ผ ์ค€๋น„ ์ค‘์ด๊ฑฐ๋‚˜ ๊ฐ“ ๊ฒฐํ˜ผํ•œ ์‹ ํ˜ผ๋ถ€๋ถ€์ด์‹ ๊ฐ€์š”?
๊ทธ๋ ‡๋‹ค๋ฉด ์˜ค๋Š˜ ์ด ๊ธ€, ์‹ ํ˜ผ๋ถ€๋ถ€ ์ „์„ธ๊ธˆ ์ง€์›์— ๋Œ€ํ•ด ์ œ๋Œ€๋กœ ์•Œ ์ˆ˜ ์žˆ๋Š” ๊ธฐํšŒ์˜ˆ์š” ๐Ÿ™Œ
Hello, this is MoneyLog! Are you planning a wedding or newly married? Then this is your perfect guide to the Newlywed Rental Support program!
์‹ ํ˜ผ๋ถ€๋ถ€ ์ „์„ธ๊ธˆ ์ง€์› ์•ˆ๋‚ด๋ฌธ์„ ๋“ค๊ณ  ์žˆ๋Š” ํ•œ๊ตญ์ธ ๋ถ€๋ถ€



| ์‹ ํ˜ผ๋ถ€๋ถ€ ์ „์„ธ์ž๊ธˆ ์ง€์›์ด๋ž€?
 What is the Newlywed Rental Loan?
์ •๋ถ€๊ฐ€ ์‹ ํ˜ผ๋ถ€๋ถ€์—๊ฒŒ ์ €๊ธˆ๋ฆฌ๋กœ ์ „์„ธ๊ธˆ์„ ๋นŒ๋ ค์ฃผ๋Š” ์ œ๋„์˜ˆ์š”!
๋Œ€ํ‘œ์ ์ธ ์ƒํ’ˆ์œผ๋กœ๋Š” ๋ฒ„ํŒ€๋ชฉ ์ „์„ธ์ž๊ธˆ ๋Œ€์ถœ์ด ์žˆ๋‹ต๋‹ˆ๋‹ค.
This is a government program that offers rental loans at low interest rates to newlyweds, with the “Bogeumjari (Supportive) Rental Loan” being the most well-known product.

✅ ํ˜ผ์ธ 7๋…„ ์ด๋‚ด ๋˜๋Š” 6๊ฐœ์›” ์ด๋‚ด ๊ฒฐํ˜ผ ์˜ˆ์ •์ž
✅ ๋ถ€๋ถ€ ํ•ฉ์‚ฐ ์—ฐ์†Œ๋“ 7,500๋งŒ ์› ์ดํ•˜
✅ ๋ฌด์ฃผํƒ ์„ธ๋Œ€์ฃผ (๋ฐฐ์šฐ์ž ํฌํ•จ ๋ชจ๋‘ ๋ฌด์ฃผํƒ)
✅ ์ˆœ์ž์‚ฐ๊ฐ€์•ก 4์–ต 8,800๋งŒ ์› ์ดํ•˜
Eligible applicants: married within 7 years or planning marriage within 6 months, combined annual income under 75M KRW, no home ownership, and total net assets under 488M KRW.

์ง€์› ๋‚ด์šฉ:
- ์ˆ˜๋„๊ถŒ ์ตœ๋Œ€ 3์–ต ์› / ๋น„์ˆ˜๋„๊ถŒ ์ตœ๋Œ€ 2์–ต ์›
- ์ตœ์ € ์—ฐ 2.3% ~ ์ตœ๊ณ  3.3% ๊ธˆ๋ฆฌ
- ์ตœ๋Œ€ 10๋…„๊นŒ์ง€ ์—ฐ์žฅ ๊ฐ€๋Šฅ (2๋…„ + 4ํšŒ ์—ฐ์žฅ)
Loan Details: Up to 300M KRW in metropolitan areas, 200M KRW in others. Interest rates range from 2.3% to 3.3%. Renewable every 2 years, up to 10 years.

๐Ÿ’ฌ ์˜ˆ์‹œ: ์ˆ˜๋„๊ถŒ ์ „์„ธ 2.8์–ต ์•„ํŒŒํŠธ ๊ณ„์•ฝํ•œ A ์ปคํ”Œ, ๋ฒ„ํŒ€๋ชฉ ๋Œ€์ถœ๋กœ 2.5์–ต ์ง€์›๋ฐ›๊ณ  ์›” ์ด์ž๋Š” ์•ฝ 27๋งŒ ์›!
Example: Couple A rented a 280M KRW apartment and received a 250M KRW loan with monthly interest around 270,000 KRW.

| ์˜ˆ๋น„๋ถ€๋ถ€๋„ ์‹ ์ฒญ ๊ฐ€๋Šฅํ• ๊นŒ์š”?
 Can Engaged Couples Apply?
๋„ค! ํ˜ผ์ธ์‹ ๊ณ  ์ „์ด๋ผ๋„ ์˜ˆ์‹์žฅ ๊ณ„์•ฝ์„œ ๋˜๋Š” ์ฒญ์ฒฉ์žฅ๋งŒ ์žˆ์œผ๋ฉด ์‹ ์ฒญ ๊ฐ€๋Šฅํ•ฉ๋‹ˆ๋‹ค.
๋‹จ, ์‹ค์ œ ๋Œ€์ถœ๊ธˆ ์ง€๊ธ‰์€ ํ˜ผ์ธ์‹ ๊ณ  ์ดํ›„์— ๊ฐ€๋Šฅํ•˜๋‹ˆ ์ฐธ๊ณ ํ•˜์„ธ์š”!
Yes! As long as you have a wedding hall contract or invitation, you can apply even before registering marriage. But funds are disbursed only after legal registration.

| ์–ด๋””์„œ ์‹ ์ฒญํ•˜๋‚˜์š”?
 How to Apply?
๋ฐฉ๋ฒ•์€ ๋‘ ๊ฐ€์ง€์ž…๋‹ˆ๋‹ค:
1. ์ฃผํƒ๋„์‹œ๊ธฐ๊ธˆ ํ™ˆํŽ˜์ด์ง€์—์„œ ์˜จ๋ผ์ธ ์‚ฌ์ „ํ™•์ธ
2. ๊ตญ๋ฏผ์€ํ–‰, ์šฐ๋ฆฌ์€ํ–‰, ๋†ํ˜‘ ๋“ฑ ์€ํ–‰ ์ฐฝ๊ตฌ ๋ฐฉ๋ฌธ ์‹ ์ฒญ
๐Ÿ’ก ์ผ๋ถ€ ์€ํ–‰์€ ๋ชจ๋ฐ”์ผ ์•ฑ์œผ๋กœ ์„œ๋ฅ˜ ์ œ์ถœ๋„ ๊ฐ€๋Šฅํ•ด์š”!
You can apply via the Housing & Urban Fund website or by visiting banks like Kookmin, Woori, or Nonghyup. Some banks even accept documents through mobile apps.

| ์ „์„ธ ์™ธ์—๋„ ์ด๋Ÿฐ ํ˜œํƒ๋„ ์žˆ์–ด์š”!
 Other Perks for Newlyweds
ํ˜œํƒ ์ด๋ฆ„
Benefit
๋‚ด์šฉ
Description
์‹ ํ˜ผํฌ๋งํƒ€์šด
Newlywed Hope Town
๊ณต๊ณต๋ถ„์–‘ ๋ฐ ํŠน๋ณ„๊ณต๊ธ‰ ์ฒญ์•ฝ ์šฐ๋Œ€
์‹ ํ˜ผ๋ถ€๋ถ€ ์ „์„ธ์ž„๋Œ€ (LH)
Newlywed Lease (LH)
LH๊ฐ€ ์ „์„ธ๊ธˆ์„ ๋ถ€๋‹ดํ•˜๊ณ , ์†Œ์•ก ์ž„๋Œ€๋ฃŒ๋งŒ ๋‚ฉ๋ถ€
๋งž์ถคํ˜• ๋Œ€์ถœ์ƒํ’ˆ
Custom Loan Products
์นด์นด์˜ค๋ฑ…ํฌ, ์‹ ํ•œ์€ํ–‰ ๋“ฑ์—์„œ ๋‹ค์–‘ํ•œ ๋งž์ถคํ˜• ์ƒํ’ˆ ์ œ๊ณต
์ฃผํƒ์ฒญ์•ฝ ์šฐ๋Œ€๊ธˆ๋ฆฌ
Subscription Bonus Rate
์ฒญ์•ฝํ†ต์žฅ ๊ธˆ๋ฆฌ์— ์ตœ๋Œ€ +0.5%p ์šฐ๋Œ€

| ์ž๋…€๊ฐ€ ์žˆ๋‹ค๋ฉด? ์šฐ๋Œ€๊ธˆ๋ฆฌ ํ˜œํƒ๊นŒ์ง€!
 Child Benefits – Preferential Interest
2025๋…„๋ถ€ํ„ฐ๋Š” ์ž๋…€ ์ˆ˜์— ๋”ฐ๋ผ ์šฐ๋Œ€๊ธˆ๋ฆฌ ์ ์šฉ + ์ ์šฉ๊ธฐ๊ฐ„ ํ™•๋Œ€ ํ˜œํƒ์ด ์ œ๊ณต๋ผ์š”!
From 2025, you’ll get preferential interest rates and longer benefit periods based on the number of children.

์ž๋…€ ์ˆ˜
Children
์šฐ๋Œ€๊ธˆ๋ฆฌ
Preferential Rate
์ ์šฉ๊ธฐ๊ฐ„
Duration
1์ž๋…€ 0.3%p ์ตœ๋Œ€ 5๋…„
2์ž๋…€ 0.5%p ์ตœ๋Œ€ 10๋…„
3์ž๋…€ ์ด์ƒ 0.7%p ์ตœ๋Œ€ 20๋…„

๐Ÿ“Œ ๊ธฐ์กด ๋Œ€์ถœ์ž๋„ ์†Œ๊ธ‰ ์ ์šฉ ๊ฐ€๋Šฅํ•ฉ๋‹ˆ๋‹ค!
※ ๋‹จ, ์ง€๋ฐฉ ์†Œ์žฌ ์ฃผํƒ์€ ์ผ๋ถ€ ์šฐ๋Œ€ ์ œ์™ธ ๋Œ€์ƒ์ด ๋  ์ˆ˜ ์žˆ์–ด์š”.

| ์ž์ฃผ ๋ฌป๋Š” ์งˆ๋ฌธ Q&A
 Frequently Asked Questions

Q1. ํ˜ผ์ธ์‹ ๊ณ  ์ „์ธ๋ฐ, ๋Œ€์ถœ ์‹ฌ์‚ฌ๋„ ์•ˆ ๋˜๋‚˜์š”?
  I haven't registered my marriage yet. Can I still go through loan review?
ํ˜ผ์ธ์‹ ๊ณ  ์ „์—๋„ ์˜ˆ์‹์žฅ ๊ณ„์•ฝ์„œ๋‚˜ ์ฒญ์ฒฉ์žฅ์ด ์žˆ์œผ๋ฉด ์‹ฌ์‚ฌ ์ง„ํ–‰์€ ๊ฐ€๋Šฅํ•ฉ๋‹ˆ๋‹ค.
๋‹จ, ๋Œ€์ถœ๊ธˆ ์ง€๊ธ‰์€ ํ˜ผ์ธ์‹ ๊ณ  ์ดํ›„์—๋งŒ ๊ฐ€๋Šฅํ•˜๋‹ˆ ์‹œ๊ธฐ๋ฅผ ์ž˜ ์กฐ์ ˆํ•˜์„ธ์š”!

Q2. ์‹ ์šฉ์ ์ˆ˜๊ฐ€ ๋‚ฎ์•„๋„ ๋Œ€์ถœ๋ฐ›์„ ์ˆ˜ ์žˆ์„๊นŒ์š”?
  Can I get the loan even with a low credit score?
์ผ์ • ๊ธฐ์ค€ ์ด์ƒ์˜ ์†Œ๋“๊ณผ ๋ฌด์ฃผํƒ ์š”๊ฑด์„ ์ถฉ์กฑํ•˜๋ฉด ์‹ ์šฉ์ ์ˆ˜๊ฐ€ ๋‹ค์†Œ ๋‚ฎ์•„๋„ ๊ฐ€๋Šฅํ•ด์š”.
ํ•˜์ง€๋งŒ ๊ธˆ๋ฆฌ๋‚˜ ํ•œ๋„๋Š” ์‹ ์šฉ๋“ฑ๊ธ‰์— ๋”ฐ๋ผ ๋‹ฌ๋ผ์งˆ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.

Q3. ์ด๋ฏธ ๋‹ค๋ฅธ ์ „์„ธ์ž๊ธˆ ๋Œ€์ถœ์ด ์žˆ๋Š”๋ฐ ์ค‘๋ณต ์‹ ์ฒญ์ด ๋˜๋‚˜์š”?
 I already have another rental loan. Can I apply for this one too?
๊ธฐ์กด ์ „์„ธ์ž๊ธˆ ๋Œ€์ถœ์ด ์žˆ๋‹ค๋ฉด ์ค‘๋ณต ์‹ ์ฒญ์€ ๋ถˆ๊ฐ€ํ•ฉ๋‹ˆ๋‹ค.
๋ฐ˜๋“œ์‹œ ๊ธฐ์กด ๋Œ€์ถœ์„ ๋จผ์ € ํ•ด์ง€ํ•œ ํ›„ ์‹ ์ฒญํ•ด์•ผ ํ•ด์š”!

| ๋งˆ๋ฌด๋ฆฌํ•˜๋ฉฐ – ๋จธ๋‹ˆ๋กœ๊ทธ์˜ ํ•œ๋งˆ๋””
Final Words from Moneylog
์‹ ํ˜ผ๋ถ€๋ถ€ ์ „์„ธ๊ธˆ ์ง€์› ์ œ๋„๋Š” ๋‘ ์‚ฌ๋žŒ์ด ํ•จ๊ป˜ ๊ฟˆ์„ ํ‚ค์›Œ๋‚˜๊ฐˆ ์ˆ˜ ์žˆ๋„๋ก ๋•๋Š” ์•„์ฃผ ์†Œ์ค‘ํ•œ ๊ธฐํšŒ์ž…๋‹ˆ๋‹ค.
The Newlywed Rental Support program is a great way to ease into your new life together with confidence and financial peace.
์ ˆ์ฐจ๊ฐ€ ๋ณต์žกํ•ด ๋ณด์—ฌ๋„ ํ•˜๋‚˜์”ฉ ๋”ฐ๋ผ๊ฐ€๋‹ค ๋ณด๋ฉด ์–ด๋А์ƒˆ ์ง‘ ๋งˆ๋ จ์˜ ์ฒซ๊ฑธ์Œ์„ ๋”›๊ฒŒ ๋˜์‹ค ๊ฑฐ์˜ˆ์š” ๐Ÿก

๋‹ค์Œ ํฌ์ŠคํŒ…์—์„œ๋Š” ์‹ค์ œ ์‹ ์ฒญ ํ›„๊ธฐ + ์ค€๋น„์„œ๋ฅ˜ ์ฒดํฌ๋ฆฌ์ŠคํŠธ๋กœ ๋Œ์•„์˜ฌ๊ฒŒ์š”!

๐Ÿ’ฌ ๋‹น์‹ ์€ ์‹ ํ˜ผ๋ถ€๋ถ€ ์ „์„ธ๊ธˆ ์ง€์›, ์–ผ๋งˆ๋‚˜ ์•Œ๊ณ  ๊ณ„์…จ๋‚˜์š”?
๊ฐ€์žฅ ๊ถ๊ธˆํ•œ ๋ถ€๋ถ„์€ ๋ฌด์—‡์ธ์ง€ ๋Œ“๊ธ€๋กœ ๊ณต์œ ํ•ด ์ฃผ์„ธ์š”!

๐Ÿ ๋ถ€์ง€๋Ÿฐํ•˜๊ฒŒ ๋ˆ ์ •๋ณด ๋ชจ์œผ๋Š” ๊ฟ€๋ฒŒ

Money-hunting Busy Bee, always buzzing for smart money tips! ๐Ÿ“ˆ๐Ÿฏ

- ๐Ÿ€ MoneyBee ๐Ÿ

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