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HF KOREA HOUSING FINANCE CORPORATION

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Home > Mortgage > Didimdol Loan > Interest Rate

Didimdol Loan

Date of public announcement : 01 August, 2022

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Interest rates on Didimdol Loan for home ownership as of August 2022

※ Fixed Rates

(% per annum)

고정금리 또는 5년 단위 변동금리 정보표 : 소득수준(부부합산), 만기별 금리(%) - (10년, 15년, 20년, 30년) 정보제공
Income level
(Sum of income of borrower and his/her spouse)
Interest rate by maturity(%)
10 years 15 years 20 years 30 years
Less than KRW 20 million 2.15 2.25 2.35 2.40
KRW 20~40 million 2.50 2.60 2.70 2.75
KRW 40~60* million
*for newlyweds,household with two or more children,first-time home buyers,the income limit is of KRW 70 million
2.75 2.85 2.95 3.00
  • Prime rate: 0.7%p discount to a household with three or more children, 0.5%p discount to a household with two children or a single-parent family(earning less than KRW 60 millions), 0.3%p discount to a household with a child, 0.2%p discount to multi-cultural family, family with a disabled member, newlyweds, and first-time home buyer
  • only one discount shall apply, dual application not permitted(except for children disscount)
  • If the borrower becomes eligible for the prime rate in the course of the loan period, the prime rate shall apply.
  • For newlyweds who purchase a house for the first time, rates in the below table are applied.
    생애최초로 주택을 구입하는 신혼가구의 금리적용 표
    Income level
    (Sum of income of borrower and his/her spouse)
    Interest rate by maturity(%)
    10 years 15 years 20 years 30 years
    Less than KRW 20 million 1.85 1.95 2.05 2.10
    KRW 20~40 million 2.20 2.30 2.40 2.45
    KRW 40~60* million
    *for newlyweds,household with two or more children,first-time home buyers,the income limit is of KRW 70 million
    2.45 2.55 2.65 2.70
    • When the final rate for the first-time homebuyer newlyweds is less than 1.2%, 1.2% of rate is applied.
    • Prime rates cannot be doubly applied, except prime rates for subscription deposit, electronic real estate contract, households with multiple children, two children and a child.

    Penalty on late payment (overdue interest rate)
    Variable depending on time elapsed from the date of delinquency to the date of late payment

    (% per annum)

    * Penalty on late payment (overdue interest rate) Variable depending on time elapsed from the date of delinquency to the date of late payment
    Type Penalty for late payment
    Before applying the acceleration clause Overdue for up to 3 months Apply interest rate + 4% p.a. to the overdue principal and interest payment
    Overdue for more than 3 months Apply interest rate +5% p.a. to the overdue principal and interest payment
    After applying the acceleration clause Up to 3 months from acceleration Apply interest rate + 4% p.a. to total outstanding balance
    More than 3 months from acceleration Apply interest rate + 5% p.a. to total outstanding balance
  • If the penalty on late payment (overdue interest rate) exceeds 10% p.a., 10% p.a. shall apply.