기금e든든

The Ministry of Land, Infrastructure and Transport is using the Housing and Urban Fund to operate low-interest loan products (purchase funds and monthly rent loan funds) for low-income people without housing, and the Korea Housing and Urban Guarantee Corporation is a fund management organization dedicated to improving the convenience of customers who need loans from the Housing and Urban Fund. Develop and distribute applications to enable loan applications through mobile applications

󰊳 app features

ㅇ Check information for each loan product (loan target, interest rate, limit and period, etc.)

ㅇ Loan application

ㅇ Electronic collection of loan documents (agreement to provision of personal information and financial information)

ㅇ Check loan review progress status

ㅇ File an objection if you are disqualified from loan review

󰊴 Products that can be applied for using the app

ㅇ Stepping stone loan for purchasing a home

- Target: Couples with a combined annual income of KRW 60 million or less (annual income of KRW 70 million or less for first-time homebuyers, households with two or more children, or newlywed households), head of a household without a home with a net worth of KRW 371 million or less
- Interest rate: 2.0%~3.15% per year
- Limit: Up to 240 million won
- Period: 10 years, 15 years, 20 years, 30 years

ㅇ Purchase funds exclusively for newlywed households

- Eligibility: Couples with a combined annual income of KRW 70 million or less, head of a household without a home with a net asset value of KRW 371 million or less, newlyweds (married within 7 years or planning to marry within 3 months)
- Interest rate: 1.7%~2.75% per year
- Limit: Up to 240 million won
- Period: 10 years, 15 years, 20 years, 30 years

ㅇ Shared mortgage

- Target: Couples with a combined annual income of KRW 60 million or less (annual income of KRW 70 million or less for first-time homebuyers, households with two or more children, or newlywed households), head of a household without a home with a net worth of KRW 371 million or less
- Interest rate: 1%~2% per year
- Limit: Up to 200 million won
- Period: 20 years

ㅇ Support jeonse loan

- Eligibility: Head of household without a home with a combined annual income of KRW 50 million or less and net asset value of KRW 280 million or less (excluding single household heads under the age of 25)
- Interest rate: 2.3%~2.9% per year
- Limit: within KRW 120 million in the metropolitan area, within KRW 0.8 billion outside the metropolitan area
- Period: 2 years (extended 4 times, up to 10 years available)

ㅇ Dedicated deposit for newlywed households

- Target: Newlyweds who do not own a home and have a combined annual income of 60 million won or less and a net asset value of 280 million won or less (those who have been married for less than 7 years or are planning to get married within 3 months)
- Interest rate: 1.2%~2.1% per year
- Limit: within KRW 200 million in the metropolitan area, within KRW 160 million outside the metropolitan area
- Period: 2 years (extended 4 times, up to 10 years available)



ㅇ Monthly rent deposit loan for young people employed in small and medium-sized businesses

- Target: Couples with a combined annual income of KRW 50 million or less (single income KRW 35 million or less), heads of households without a home (including prospective household heads) with a net asset value of KRW 280 million or less, employees of small and medium-sized companies, or employees of the Small and Medium Business Corporation, Korea Credit Guarantee Fund, and Korea Technology Finance Corporation. Those who have received youth entrepreneurship support, young people aged 19 or older to 34 years old (39 years old or younger if they have completed military service on active duty)
- Interest rate: 1.2% per year
- Limit: Up to 100 million won
- Period: 2 years (extended 4 times, up to 10 years available)

ㅇ Products for youth only

- Monthly rent with guarantee for young people, support lease for young people, etc.

ㅇ Housing stability monthly rental loan

- Eligibility: (Preferential type) Job seekers, Hope Growth Account subscribers, Earned Income Tax Recipients, Newcomers in the workforce, Child Incentive Recipients (General type) Couples with a combined annual income of KRW 50 million or less, if they do not fall under the preferential type (Common) Couple's combined net worth of KRW 280 million below
- Interest rate: (preferred type) 1.5% per year (general type) 2.5% per year
- Limit: Up to 9.6 million won (within 400,000 won per month)
- Period: 2 years (extended 4 times, up to 10 years available)

󰊵 app operating agency

ㅇ Housing and Urban Guarantee Corporation, a dedicated management organization for the Housing and Urban Fund

-Required permissions-
1. Phone: Used to identify the device.
2. Camera: Used to copy the joint certificate QR.
3. Photos and videos: Used to register document images.
4. QUERY_ALL_PACKAGES: Uses this permission to search all apps installed on the smartphone and detect and block malicious code.