MoneyLog｜부동산·경제 인사이트

🇰🇷 한국어 목차

1. 들어가며 | 신청 전 꼭 알아야 할 핵심 포인트
2. 대출신청 시기 및 유의사항
3. 이용 절차 | 온라인·은행 방문 신청 단계별 비교
4. 제출 서류 | 소득·자산·주택 관련 서류 정리
5. 상환 방식 | 거치·비거치·체증식 차이 이해하기
6. 비용 안내 | 중도상환수수료·인지세·감정비
7. 실거주 및 1주택 유지 의무
8. 자주 묻는 질문 (FAQ)
9. 상담 및 신청 채널 안내
10. 마무리 | 신청 전 꼭 기억해야 할 체크리스트

🇺🇸 English Section

1. Introduction | Key things to know before applying
2. Application timing & important notes
3. Application process | Online vs in-person steps
4. Required documents | Income, asset, and housing proof
5. Repayment methods | Grace, fixed, and step-up options
6. Fees & costs | Prepayment, tax stamp, and appraisal
7. Occupancy & single-home maintenance duty
8. Frequently Asked Questions (FAQ)
9. Contact & application channels
10. Closing remarks | Final checklist before applying

You might have heard of the Didimdol Loan or the Bogeum Loan, but when it comes time to actually apply, questions often arise: “Where do I start?” or “What documents do I need before visiting the bank?”

This post will walk you step-by-step through the entire process — from preparing documents, submitting the application, to understanding how the review and approval stages work. We’ll also explain the difference between online (via 기금e든든) and in-person bank applications, plus share common issues and tips.

If you’ve already read Part 1 and confirmed your eligibility, now it’s time to turn that information into action. Let’s take a closer look at how to apply for these low-interest, government-backed home purchase loans in 2025. 🏡

You can apply for the Didimdol or Bogeum loan either before transferring ownership or within three months after registration. Applications beyond this window will not be accepted.

• Before ownership transfer: Ideal timing for most applicants.
• Within 3 months after transfer: Still eligible if the registration date does not exceed 90 days from the submission date.

⚠️ Remember — the 3-month limit is based on the registration submission date, not the completion date. Always double-check your timeline before applying.

You can apply either online via enhuf.molit.go.kr or in person at one of the designated partner banks. The review process is the same, but the document submission differs slightly.

• Online: Submit your application and required documents through the system, then visit the bank once for verification.
• In-person: Fill out and submit all forms at the bank directly.

On average, the review process takes 7–15 business days. Using an electronic contract can reduce processing time by 1–2 days.

To apply, you’ll need to submit identity, income, asset, and property-related documents. Most banks follow the same basic requirements shown below.

• Identity: Resident ID, driver’s license, or passport
• Income proof: Tax statement, withholding receipt, or business registration
• Employment verification: National Health Insurance record
• Housing documents: Sale contract, property registry, or certificate of seal impression

⚠ All documents must be issued within 3 months of submission. Digital copies (PDF) are accepted but some banks may ask for printed originals.

You can choose among three repayment types: equal principal & interest (non-grace), 1-year grace, or step-up (gradual increase).

• Equal payment: Start repaying both principal and interest immediately. Lowest total interest.
• 1-year grace: Interest-only for the first year, easier on early finances.
• Step-up: Lower initial payments that gradually increase each year.

Example (KRW 200M, 3.2%, 20 years): Equal: ₩1.12M/month → Step-up: ₩0.89M increasing 2–3%/year. Choose based on your income growth and stability.

Main costs include the prepayment fee, stamp tax, and appraisal fee. Most are lower than ordinary bank mortgages.

• Prepayment fee: Up to 1.2% within 3 years, but waived until Dec 31, 2025.
• Stamp tax: Shared 50/50 between the bank and borrower.
• Appraisal fee: Paid by the borrower only if a formal appraisal is required.

💡 Tip: Loans repaid or withdrawn within the grace period are exempt from penalties.

Borrowers must live in the purchased home within 1 month of the loan date and maintain residency for at least 2 years. Failure to do so may result in early loan termination.

As of June 19, 2024, maintaining only one home during the loan period is mandatory. If you acquire another property, you must sell it within 6 months (or within 3 years for exceptions such as inheritance or marriage).

⚠ The rule applies to the borrower, household members, and separated spouses. Violations may trigger full loan repayment.

• Can I apply if I already have a Jeonse loan?
  Yes, as long as the Jeonse loan is fully repaid on the same day as the new loan execution.
• Is partial prepayment allowed?
  Yes, and the fee is proportional to the amount repaid. However, prepayment fees are waived until Dec 31, 2025.
• How long does the review take?
  Typically 7–15 days. Electronic contracts shorten it by 1–2 days.
• What proof is needed for newlyweds?
  A wedding hall contract or invitation card is acceptable proof of planned marriage.

You can apply online via:

• HUG e-Dundun: enhuf.molit.go.kr
• HF (Korea Housing Finance Corp): hf.go.kr

Or visit a partner bank such as Woori, KB Kookmin, Shinhan, NH Nonghyup, Hana, Daegu, or Busan Bank.

For inquiries:
▪ Loan screening: HUG Call Center (1566-9009)
▪ Asset verification: 1551-3119
▪ Bank-specific questions: Contact your local branch.

The Didimdol and Bogeum Loans are more than just mortgage programs — they are government-backed steps toward homeownership stability. With the 2025 integration, applications are simpler, rates are lower, and more people can qualify under expanded income and asset limits.

💡 Key Summary
• Income limit: up to ₩85M/year (for newlyweds)
• Loan limit: up to ₩320M, LTV 70–80%
• Rate: 2.85%–4.15% with multiple discounts
• Prepayment fee waived until Dec 31, 2025
• 2-year residency & single-home rule apply

If this guide helped you, please share it. Your support keeps MoneyLog buzzing 🐝 with useful insights!