The newborn special didimdol mortgage runs from 2.05% (household income under 20 million won) to 4.50% (dual-income up to 200 million) on a 30-year term. Stack every rate discount and the final rate still stops at 1.2%.
Korea's newborn special didimdol loan caps out at 400 million won at a fixed 1.8–4.5%, for households with combined income under 130 million won (200 million for dual earners). Here are the monthly payments by income band.
Korea's Didimdol loan covers households up to 60 million won of combined income and a 500 million won home; above that sits Bogeumjari. On the same 400M won home the limit splits 200M vs 280M, and 0.4pp of rate is 16.6M won of interest over 30 years.
The Newborn Special Mortgage targets households within two years of birth, with limits of 400M KRW for purchase and 240M KRW for jeonse. Income, asset gates, the June 27, 2025 limit reduction, and the three-month application window — per the 2026 MyHome Portal notice.