{"content_id":"pgznea8auy","slug":"youth-housing-dream-account-income-limit-eligibility","locale":"en","schema_type":"Article","category":"policy_guide","category_name":"Policy Guide","title":"Youth Housing Dream Account: Proposed KRW 70M Income Cap","summary":"A proposal has been announced to expand eligibility for the Youth Housing Dream Subscription Savings Account to those with an annual income of at most KRW 70 million. This explains how to check whether the change has taken effect and the separate requirements for preferential interest rates, tax benefits, account conversion and linked loans.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"Injoys Editorial Team","url":"https://injoys.com/ko/about"},"key_points":["The Ministry of Land, Infrastructure and Transport's October 2026 announcement outlines a plan to relax the income eligibility limit to at most KRW 70 million per year.","The maximum annual interest rate of 4.5% applies only when requirements such as the account holding period and the period without homeownership are met.","The income tax deduction and the exemption from tax on interest income have requirements separate from those for opening the account.","When converting from a regular housing subscription savings account, your existing housing subscription history carries over, but the preferential interest rate does not apply to the transferred principal.","Linked loans are subject to screening for a successful housing subscription application, income, assets and other factors, in addition to the account holding period and contribution history."],"content_markdown":"The Youth Housing Dream Subscription Account is a housing subscription savings account for young people who do not own a home. A plan has been announced to raise the income limit for opening an account to at most KRW 70 million a year. Before opening an account, check whether the relaxed criteria have taken effect.\n\nThe proposed changes are based on the Ministry of Land, Infrastructure and Transport's notice dated October 15, 2026.\n\n## When does the KRW 70 million income limit take effect?\n\nThe official announcement reviewed describes a plan to relax the income criteria. The Ministry of Land, Infrastructure and Transport said it would amend the relevant notice during October 2026. Its October 15 notice also states:\n\n\u003e The income limit for opening an account is scheduled to increase to at most KRW 70 million.\n\nThis wording appears in the Ministry of Land, Infrastructure and Transport's “Can I Open a Youth Housing Dream Subscription Account Too?”\n\nThis wording alone does not establish the actual effective date. The Housing and Urban Fund's product guide dated June 30, 2026, still lists the existing criteria. If your annual income is more than KRW 50 million, ask the bank when the new criteria begin to apply.\n\n| Category | Income criteria for opening an account | Status of the materials reviewed |\n|---|---|---|\n| Existing product guide | Annual income of at most KRW 50 million | Product information as of June 30, 2026 |\n| Announcement of relaxed criteria | Annual income of at most KRW 70 million | Described as scheduled to take effect in the October 15, 2026 notice |\n| Actual eligibility review | Criteria in effect on the account opening date | Check the participating bank's latest product disclosure |\n\nThe document to check is the “Notice on Interest Rates and Operation of Comprehensive Housing Subscription Savings.” You can check the latest version in effect at the Korean Law Information Center. Also ask the bank whether your income documentation qualifies you to open an account.\n\n## Eligibility and how income is verified\n\nThe basic eligibility requirements are to be aged 19 to 34 and not own a home. Income is verified through supporting documents. The homeownership requirement for opening the account applies to the account holder personally.\n\n| Item to check | Basic requirements | Documents or verification to prepare |\n|---|---|---|\n| Age | Aged 19 to 34 | Identification |\n| Military service | Verified service periods of up to 6 years are deducted from your age | Military service certificate or similar documents |\n| Homeownership | No home owned in your name | The bank's homeownership verification process |\n| Income | Verification of reported income, including employment, business, and other income | Income verification certificate or similar documents |\n| Relaxed income criteria | Announced increase to annual income of at most KRW 70 million | Product disclosure reflecting the effective date |\n\nIncome is verified using tax filings from the previous year or the year before that. The applicable year depends on factors such as when income documents become available. Do not judge your eligibility based only on this year's salary.\n\nNew employees with a short employment history may use alternative supporting documents. Eligibility exceptions also exist for military personnel and others whose only income is tax-exempt. If this applies to you, check the required documents with the bank first.\n\n## How does the maximum annual interest rate of 4.5% apply?\n\nThe maximum annual rate of 4.5% is a pre-tax rate available when conditions such as the required account holding period are met. The maximum difference from a regular account is 1.4 percentage points. The same rate does not apply to all deposits from the outset.\n\nThe following is based on the Housing and Urban Fund's product guide dated June 30, 2026.\n\n| Savings period | Regular Comprehensive Housing Subscription Savings | Youth Housing Dream Subscription Account |\n|---|---|---|\n| At most 1 month | No interest | No interest |\n| More than 1 month and less than 1 year | 2.3% a year | 2.3% a year |\n| At least 1 year and less than 2 years | 2.8% a year | 2.8% a year |\n| At least 2 years and at most 10 years | 3.1% a year | 4.5% a year |\n| More than 10 years | 3.1% a year | 3.1% a year |\n\nThe preferential interest rate applies to deposited principal up to KRW 50 million. The applicable period is determined by how long you have not owned a home. Principal transferred from a regular account is excluded from the preferential rate.\n\nIf you close the account after being selected for a housing allocation, an exception allows the preferential rate to apply even after less than 2 years. Interest rates may change under government notices. Actual interest is calculated based on how long each deposit has been held.\n\n## Comparing income deduction and tax exemption requirements\n\nEven if you qualify to open an account, eligibility for tax benefits is assessed separately. An income deduction reduces the income used to calculate tax. A tax exemption means that qualifying interest is not taxed.\n\nThe information below is based on Shinhan Bank's product disclosure applicable in 2026.\n\n| Category | Income deduction | Interest income tax exemption |\n|---|---|---|\n| Benefit | Deduction of 40% of annual contributions, with contributions capped at KRW 3 million | Tax exemption on total interest income up to KRW 5 million |\n| Income requirements | Employees with total salary of at most KRW 70 million in the relevant tax period, excluding daily workers | Total salary of at most KRW 36 million or comprehensive income of at most KRW 26 million in the previous tax period, among other requirements |\n| Homeownership and household requirements | Head of a household that owns no home, or the household head's spouse | Head of a household that owns no home at the time of account opening, or the household head's spouse |\n| Additional checks | Submit a declaration of non-homeownership | In principle, maintain the account for at least 2 years; contributions eligible for tax exemption are capped at KRW 6 million a year |\n\nIf you have multiple types of income, also check the detailed exclusions from the tax exemption. Relaxing the income criteria for opening an account does not change the tax exemption criteria. You can also ask the bank whether your tax benefit application documents have been received.\n\n## Income deduction calculation example\n\nIf you meet the deduction requirements and contribute KRW 3 million a year, your deduction is KRW 1.2 million. This is calculated as KRW 3 million × 40%. This amount is subtracted from your taxable income.\n\n| Calculation item | Amount or rate |\n|---|---|\n| Annual contributions | KRW 3 million |\n| Deduction rate | 40% |\n| Income deduction | KRW 1.2 million |\n| Actual tax reduction | Determined by your tax rate, other deductions, and other factors |\n\nThis does not mean you receive a refund of KRW 1.2 million. If your annual contributions are below the cap, the calculation uses the amount actually contributed. Even if contributions exceed KRW 3 million, the cap applies when calculating the deduction.\n\n## Youth Housing Dream Didimdol Loan requirements\n\nThe linked loan provides home purchase financing for people selected for a housing allocation through this account. Opening an account alone does not guarantee loan approval. Income criteria and loan limits also differ for unmarried applicants and newlywed households.\n\n| Category | Unmarried applicants | Newlywed households |\n|---|---|---|\n| Income criteria | Total annual income of at most KRW 70 million | Combined total annual income of at most KRW 100 million for the couple |\n| Loan limit | Up to KRW 300 million | Up to KRW 400 million |\n| Common assessment criteria | Selection for a housing allocation, non-homeownership, account history, assets, credit, and other factors | Selection for a housing allocation, non-homeownership, account history, assets, credit, and other factors |\n\nThe Seoul Metropolitan Government's Cheongnyeon Mongttang Jeongbotong program guide describes the following requirements.\n\n- You must be selected using a Youth Housing Dream account held before the housing recruitment announcement date.\n- You must be aged at most 39 when selected for a housing allocation.\n- At least 1 year must have passed between the account opening or conversion date and the loan application date.\n- Recognized contributions must total at least KRW 10 million as of the loan application date.\n- All household members, including the household head, must not own a home.\n\nHana Bank's interest rate table dated April 18, 2025, lists annual rates of 2.40% to 4.15%. The annual rate of 2.40% applies to the 10-year term bracket for annual income of at most KRW 20 million. Adjustments based on region, interest rate type, and preferential conditions are separate.\n\nThe advertised maximum of KRW 400 million refers to the limit for newlywed households. The actual approved amount is subject to limits based on collateral value, repayment capacity, and other factors. Check the interest rates and asset criteria in effect when you apply with the participating bank. (Verified figures: annual interest rate of 2.40% to 4.15%, as of April 18, 2025; net assets of at most KRW 511 million · Source: hanabank.com · Checked on 2026-11-03)\n\n### What kind of home can you buy?\n\nHomes eligible for the loan are also subject to price and floor area limits. The Cheongnyeon Mongttang Jeongbotong guide sets the maximum appraised value of the property used as collateral at KRW 600 million. In principle, the exclusive residential floor area must be at most 85㎡.\n\nA limit of at most 100㎡ applies in towns and townships outside urban areas and outside the Seoul Capital Area. Even if you are buying in Seoul, you must separately meet the home price limit. After being selected for a housing allocation, check whether that home is eligible for the loan.\n\n## How do housing subscription history and loan qualification records differ when converting an account?\n\nThe rules for carrying over housing subscription history differ from the account history requirements for the linked loan. You can convert a regular housing subscription account if you meet the eligibility requirements. Ask the bank to convert it before closing your existing account yourself.\n\n| Purpose of the check | Treatment of history before conversion | What to check |\n|---|---|---|\n| Housing subscription | Existing account holding period and recognized contribution history carry over | Recognized contribution count and amount |\n| Preferential interest rate | Transferred principal is excluded from the preferential rate | New contributions after conversion |\n| Account holding period for the linked loan | Calculated from the date of conversion to a Youth Housing Dream account | Whether 1 year has passed by the loan application date |\n| Contribution record for the linked loan | Up to KRW 5 million of the existing regular Comprehensive Housing Subscription Savings balance is recognized | Amount recognized for loan assessment |\n\nThe linked loan's account history requirements are based on the Cheongnyeon Mongttang Jeongbotong guide. If the account was converted from Youth Preferential Comprehensive Housing Subscription Savings, the entire existing balance is recognized. Check this separately from conversion of a regular Comprehensive Housing Subscription Savings account.\n\nEven if you have held your existing account for a long time, you must recheck the qualifying account holding period for the loan. Your account balance may also differ from the contributions recognized for the loan. Ask the bank for your housing subscription history and loan qualification records separately.\n\n## Documents and steps for opening or converting an account\n\nYou can open a new account or convert a regular account at a participating bank. You will generally need identification and proof of income. Additional documents may be required depending on your military service and household relationships.\n\n1. Check with the participating bank which income criteria apply on the account opening date.\n2. Prepare identification and income documents, such as an income verification certificate for opening the account.\n3. If you need military service deducted from your age, prepare a military service certificate or similar documents.\n4. If you have an existing account, check whether it can be converted before closing it.\n5. Check the income deduction and tax exemption applications separately.\n\nThe declaration of non-homeownership for the income deduction must be submitted by the end of February in the year after the applicable tax year. The tax exemption requires separate application documents. Asking for guidance on both account opening and tax benefit documents can help prevent omissions.\n\n## Distinguishing this account from housing support announced alongside it\n\nYouth rent support and support for rental deposit return guarantee fees are separate programs. The Ministry of Land, Infrastructure and Transport's announcement on October 12, 2026, also mentioned expanding these programs. Opening a housing subscription account does not automatically apply you for them.\n\n| Program | Purpose of support | What to check separately |\n|---|---|---|\n| Youth Housing Dream Subscription Account | Housing subscription savings and preparation for a home purchase | Eligibility requirements, interest rates, and tax benefit conditions |\n| Youth rent support | Reduce the burden of monthly rent | Application announcements and household income requirements |\n| Support for rental deposit return guarantee fees | Reduce the burden of guarantee fees paid | Guarantee enrollment, income, and application requirements |\n| Didimdol and Beotimmok loans | Support for home purchases and jeonse deposits | Revisions and effective dates for each product |\n\nDo not apply the account's proposed relaxed annual income limit of KRW 70 million to other programs. For rent and guarantee fee support, check announcements from the responsible local government. For loans, refer to the Housing and Urban Fund's guide for the specific product.","content_html":"\u003cp\u003eThe Youth Housing Dream Subscription Account is a housing subscription savings account for young people who do not own a home. A plan has been announced to raise the income limit for opening an account to at most KRW 70 million a year. Before opening an account, check whether the relaxed criteria have taken effect.\u003c/p\u003e\n\u003cp\u003eThe proposed changes are based on the Ministry of Land, Infrastructure and Transport's notice dated October 15, 2026.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#when-does-the-krw-70-million-income-limit-take-effect\" class=\"anchor\" id=\"when-does-the-krw-70-million-income-limit-take-effect\"\u003e\u003c/a\u003eWhen does the KRW 70 million income limit take effect?\u003c/h2\u003e\n\u003cp\u003eThe official announcement reviewed describes a plan to relax the income criteria. The Ministry of Land, Infrastructure and Transport said it would amend the relevant notice during October 2026. Its October 15 notice also states:\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003eThe income limit for opening an account is scheduled to increase to at most KRW 70 million.\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eThis wording appears in the Ministry of Land, Infrastructure and Transport's “Can I Open a Youth Housing Dream Subscription Account Too?”\u003c/p\u003e\n\u003cp\u003eThis wording alone does not establish the actual effective date. The Housing and Urban Fund's product guide dated June 30, 2026, still lists the existing criteria. If your annual income is more than KRW 50 million, ask the bank when the new criteria begin to apply.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCategory\u003c/th\u003e\n\u003cth\u003eIncome criteria for opening an account\u003c/th\u003e\n\u003cth\u003eStatus of the materials reviewed\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eExisting product guide\u003c/td\u003e\n\u003ctd data-label=\"Income criteria for opening an account\"\u003eAnnual income of at most KRW 50 million\u003c/td\u003e\n\u003ctd data-label=\"Status of the materials reviewed\"\u003eProduct information as of June 30, 2026\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eAnnouncement of relaxed criteria\u003c/td\u003e\n\u003ctd data-label=\"Income criteria for opening an account\"\u003eAnnual income of at most KRW 70 million\u003c/td\u003e\n\u003ctd data-label=\"Status of the materials reviewed\"\u003eDescribed as scheduled to take effect in the October 15, 2026 notice\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eActual eligibility review\u003c/td\u003e\n\u003ctd data-label=\"Income criteria for opening an account\"\u003eCriteria in effect on the account opening date\u003c/td\u003e\n\u003ctd data-label=\"Status of the materials reviewed\"\u003eCheck the participating bank's latest product disclosure\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe document to check is the “Notice on Interest Rates and Operation of Comprehensive Housing Subscription Savings.” You can check the latest version in effect at the Korean Law Information Center. Also ask the bank whether your income documentation qualifies you to open an account.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#eligibility-and-how-income-is-verified\" class=\"anchor\" id=\"eligibility-and-how-income-is-verified\"\u003e\u003c/a\u003eEligibility and how income is verified\u003c/h2\u003e\n\u003cp\u003eThe basic eligibility requirements are to be aged 19 to 34 and not own a home. Income is verified through supporting documents. The homeownership requirement for opening the account applies to the account holder personally.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem to check\u003c/th\u003e\n\u003cth\u003eBasic requirements\u003c/th\u003e\n\u003cth\u003eDocuments or verification to prepare\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eAge\u003c/td\u003e\n\u003ctd data-label=\"Basic requirements\"\u003eAged 19 to 34\u003c/td\u003e\n\u003ctd data-label=\"Documents or verification to prepare\"\u003eIdentification\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eMilitary service\u003c/td\u003e\n\u003ctd data-label=\"Basic requirements\"\u003eVerified service periods of up to 6 years are deducted from your age\u003c/td\u003e\n\u003ctd data-label=\"Documents or verification to prepare\"\u003eMilitary service certificate or similar documents\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eHomeownership\u003c/td\u003e\n\u003ctd data-label=\"Basic requirements\"\u003eNo home owned in your name\u003c/td\u003e\n\u003ctd data-label=\"Documents or verification to prepare\"\u003eThe bank's homeownership verification process\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eIncome\u003c/td\u003e\n\u003ctd data-label=\"Basic requirements\"\u003eVerification of reported income, including employment, business, and other income\u003c/td\u003e\n\u003ctd data-label=\"Documents or verification to prepare\"\u003eIncome verification certificate or similar documents\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eRelaxed income criteria\u003c/td\u003e\n\u003ctd data-label=\"Basic requirements\"\u003eAnnounced increase to annual income of at most KRW 70 million\u003c/td\u003e\n\u003ctd data-label=\"Documents or verification to prepare\"\u003eProduct disclosure reflecting the effective date\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eIncome is verified using tax filings from the previous year or the year before that. The applicable year depends on factors such as when income documents become available. Do not judge your eligibility based only on this year's salary.\u003c/p\u003e\n\u003cp\u003eNew employees with a short employment history may use alternative supporting documents. Eligibility exceptions also exist for military personnel and others whose only income is tax-exempt. If this applies to you, check the required documents with the bank first.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-does-the-maximum-annual-interest-rate-of-45-apply\" class=\"anchor\" id=\"how-does-the-maximum-annual-interest-rate-of-45-apply\"\u003e\u003c/a\u003eHow does the maximum annual interest rate of 4.5% apply?\u003c/h2\u003e\n\u003cp\u003eThe maximum annual rate of 4.5% is a pre-tax rate available when conditions such as the required account holding period are met. The maximum difference from a regular account is 1.4 percentage points. The same rate does not apply to all deposits from the outset.\u003c/p\u003e\n\u003cp\u003eThe following is based on the Housing and Urban Fund's product guide dated June 30, 2026.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eSavings period\u003c/th\u003e\n\u003cth\u003eRegular Comprehensive Housing Subscription Savings\u003c/th\u003e\n\u003cth\u003eYouth Housing Dream Subscription Account\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Savings period\"\u003eAt most 1 month\u003c/td\u003e\n\u003ctd data-label=\"Regular Comprehensive Housing Subscription Savings\"\u003eNo interest\u003c/td\u003e\n\u003ctd data-label=\"Youth Housing Dream Subscription Account\"\u003eNo interest\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Savings period\"\u003eMore than 1 month and less than 1 year\u003c/td\u003e\n\u003ctd data-label=\"Regular Comprehensive Housing Subscription Savings\"\u003e2.3% a year\u003c/td\u003e\n\u003ctd data-label=\"Youth Housing Dream Subscription Account\"\u003e2.3% a year\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Savings period\"\u003eAt least 1 year and less than 2 years\u003c/td\u003e\n\u003ctd data-label=\"Regular Comprehensive Housing Subscription Savings\"\u003e2.8% a year\u003c/td\u003e\n\u003ctd data-label=\"Youth Housing Dream Subscription Account\"\u003e2.8% a year\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Savings period\"\u003eAt least 2 years and at most 10 years\u003c/td\u003e\n\u003ctd data-label=\"Regular Comprehensive Housing Subscription Savings\"\u003e3.1% a year\u003c/td\u003e\n\u003ctd data-label=\"Youth Housing Dream Subscription Account\"\u003e4.5% a year\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Savings period\"\u003eMore than 10 years\u003c/td\u003e\n\u003ctd data-label=\"Regular Comprehensive Housing Subscription Savings\"\u003e3.1% a year\u003c/td\u003e\n\u003ctd data-label=\"Youth Housing Dream Subscription Account\"\u003e3.1% a year\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe preferential interest rate applies to deposited principal up to KRW 50 million. The applicable period is determined by how long you have not owned a home. Principal transferred from a regular account is excluded from the preferential rate.\u003c/p\u003e\n\u003cp\u003eIf you close the account after being selected for a housing allocation, an exception allows the preferential rate to apply even after less than 2 years. Interest rates may change under government notices. Actual interest is calculated based on how long each deposit has been held.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-income-deduction-and-tax-exemption-requirements\" class=\"anchor\" id=\"comparing-income-deduction-and-tax-exemption-requirements\"\u003e\u003c/a\u003eComparing income deduction and tax exemption requirements\u003c/h2\u003e\n\u003cp\u003eEven if you qualify to open an account, eligibility for tax benefits is assessed separately. An income deduction reduces the income used to calculate tax. A tax exemption means that qualifying interest is not taxed.\u003c/p\u003e\n\u003cp\u003eThe information below is based on Shinhan Bank's product disclosure applicable in 2026.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCategory\u003c/th\u003e\n\u003cth\u003eIncome deduction\u003c/th\u003e\n\u003cth\u003eInterest income tax exemption\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eBenefit\u003c/td\u003e\n\u003ctd data-label=\"Income deduction\"\u003eDeduction of 40% of annual contributions, with contributions capped at KRW 3 million\u003c/td\u003e\n\u003ctd data-label=\"Interest income tax exemption\"\u003eTax exemption on total interest income up to KRW 5 million\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eIncome requirements\u003c/td\u003e\n\u003ctd data-label=\"Income deduction\"\u003eEmployees with total salary of at most KRW 70 million in the relevant tax period, excluding daily workers\u003c/td\u003e\n\u003ctd data-label=\"Interest income tax exemption\"\u003eTotal salary of at most KRW 36 million or comprehensive income of at most KRW 26 million in the previous tax period, among other requirements\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eHomeownership and household requirements\u003c/td\u003e\n\u003ctd data-label=\"Income deduction\"\u003eHead of a household that owns no home, or the household head's spouse\u003c/td\u003e\n\u003ctd data-label=\"Interest income tax exemption\"\u003eHead of a household that owns no home at the time of account opening, or the household head's spouse\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eAdditional checks\u003c/td\u003e\n\u003ctd data-label=\"Income deduction\"\u003eSubmit a declaration of non-homeownership\u003c/td\u003e\n\u003ctd data-label=\"Interest income tax exemption\"\u003eIn principle, maintain the account for at least 2 years; contributions eligible for tax exemption are capped at KRW 6 million a year\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eIf you have multiple types of income, also check the detailed exclusions from the tax exemption. Relaxing the income criteria for opening an account does not change the tax exemption criteria. You can also ask the bank whether your tax benefit application documents have been received.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#income-deduction-calculation-example\" class=\"anchor\" id=\"income-deduction-calculation-example\"\u003e\u003c/a\u003eIncome deduction calculation example\u003c/h2\u003e\n\u003cp\u003eIf you meet the deduction requirements and contribute KRW 3 million a year, your deduction is KRW 1.2 million. This is calculated as KRW 3 million × 40%. This amount is subtracted from your taxable income.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCalculation item\u003c/th\u003e\n\u003cth\u003eAmount or rate\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Calculation item\"\u003eAnnual contributions\u003c/td\u003e\n\u003ctd data-label=\"Amount or rate\"\u003eKRW 3 million\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Calculation item\"\u003eDeduction rate\u003c/td\u003e\n\u003ctd data-label=\"Amount or rate\"\u003e40%\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Calculation item\"\u003eIncome deduction\u003c/td\u003e\n\u003ctd data-label=\"Amount or rate\"\u003eKRW 1.2 million\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Calculation item\"\u003eActual tax reduction\u003c/td\u003e\n\u003ctd data-label=\"Amount or rate\"\u003eDetermined by your tax rate, other deductions, and other factors\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThis does not mean you receive a refund of KRW 1.2 million. If your annual contributions are below the cap, the calculation uses the amount actually contributed. Even if contributions exceed KRW 3 million, the cap applies when calculating the deduction.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#youth-housing-dream-didimdol-loan-requirements\" class=\"anchor\" id=\"youth-housing-dream-didimdol-loan-requirements\"\u003e\u003c/a\u003eYouth Housing Dream Didimdol Loan requirements\u003c/h2\u003e\n\u003cp\u003eThe linked loan provides home purchase financing for people selected for a housing allocation through this account. Opening an account alone does not guarantee loan approval. Income criteria and loan limits also differ for unmarried applicants and newlywed households.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCategory\u003c/th\u003e\n\u003cth\u003eUnmarried applicants\u003c/th\u003e\n\u003cth\u003eNewlywed households\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eIncome criteria\u003c/td\u003e\n\u003ctd data-label=\"Unmarried applicants\"\u003eTotal annual income of at most KRW 70 million\u003c/td\u003e\n\u003ctd data-label=\"Newlywed households\"\u003eCombined total annual income of at most KRW 100 million for the couple\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eLoan limit\u003c/td\u003e\n\u003ctd data-label=\"Unmarried applicants\"\u003eUp to KRW 300 million\u003c/td\u003e\n\u003ctd data-label=\"Newlywed households\"\u003eUp to KRW 400 million\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eCommon assessment criteria\u003c/td\u003e\n\u003ctd data-label=\"Unmarried applicants\"\u003eSelection for a housing allocation, non-homeownership, account history, assets, credit, and other factors\u003c/td\u003e\n\u003ctd data-label=\"Newlywed households\"\u003eSelection for a housing allocation, non-homeownership, account history, assets, credit, and other factors\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe Seoul Metropolitan Government's Cheongnyeon Mongttang Jeongbotong program guide describes the following requirements.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eYou must be selected using a Youth Housing Dream account held before the housing recruitment announcement date.\u003c/li\u003e\n\u003cli\u003eYou must be aged at most 39 when selected for a housing allocation.\u003c/li\u003e\n\u003cli\u003eAt least 1 year must have passed between the account opening or conversion date and the loan application date.\u003c/li\u003e\n\u003cli\u003eRecognized contributions must total at least KRW 10 million as of the loan application date.\u003c/li\u003e\n\u003cli\u003eAll household members, including the household head, must not own a home.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eHana Bank's interest rate table dated April 18, 2025, lists annual rates of 2.40% to 4.15%. The annual rate of 2.40% applies to the 10-year term bracket for annual income of at most KRW 20 million. Adjustments based on region, interest rate type, and preferential conditions are separate.\u003c/p\u003e\n\u003cp\u003eThe advertised maximum of KRW 400 million refers to the limit for newlywed households. The actual approved amount is subject to limits based on collateral value, repayment capacity, and other factors. Check the interest rates and asset criteria in effect when you apply with the participating bank. (Verified figures: annual interest rate of 2.40% to 4.15%, as of April 18, 2025; net assets of at most KRW 511 million · Source: hanabank.com · Checked on 2026-11-03)\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#what-kind-of-home-can-you-buy\" class=\"anchor\" id=\"what-kind-of-home-can-you-buy\"\u003e\u003c/a\u003eWhat kind of home can you buy?\u003c/h3\u003e\n\u003cp\u003eHomes eligible for the loan are also subject to price and floor area limits. The Cheongnyeon Mongttang Jeongbotong guide sets the maximum appraised value of the property used as collateral at KRW 600 million. In principle, the exclusive residential floor area must be at most 85㎡.\u003c/p\u003e\n\u003cp\u003eA limit of at most 100㎡ applies in towns and townships outside urban areas and outside the Seoul Capital Area. Even if you are buying in Seoul, you must separately meet the home price limit. After being selected for a housing allocation, check whether that home is eligible for the loan.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-do-housing-subscription-history-and-loan-qualification-records-differ-when-converting-an-account\" class=\"anchor\" id=\"how-do-housing-subscription-history-and-loan-qualification-records-differ-when-converting-an-account\"\u003e\u003c/a\u003eHow do housing subscription history and loan qualification records differ when converting an account?\u003c/h2\u003e\n\u003cp\u003eThe rules for carrying over housing subscription history differ from the account history requirements for the linked loan. You can convert a regular housing subscription account if you meet the eligibility requirements. Ask the bank to convert it before closing your existing account yourself.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003ePurpose of the check\u003c/th\u003e\n\u003cth\u003eTreatment of history before conversion\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Purpose of the check\"\u003eHousing subscription\u003c/td\u003e\n\u003ctd data-label=\"Treatment of history before conversion\"\u003eExisting account holding period and recognized contribution history carry over\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eRecognized contribution count and amount\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Purpose of the check\"\u003ePreferential interest rate\u003c/td\u003e\n\u003ctd data-label=\"Treatment of history before conversion\"\u003eTransferred principal is excluded from the preferential rate\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eNew contributions after conversion\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Purpose of the check\"\u003eAccount holding period for the linked loan\u003c/td\u003e\n\u003ctd data-label=\"Treatment of history before conversion\"\u003eCalculated from the date of conversion to a Youth Housing Dream account\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether 1 year has passed by the loan application date\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Purpose of the check\"\u003eContribution record for the linked loan\u003c/td\u003e\n\u003ctd data-label=\"Treatment of history before conversion\"\u003eUp to KRW 5 million of the existing regular Comprehensive Housing Subscription Savings balance is recognized\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eAmount recognized for loan assessment\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe linked loan's account history requirements are based on the Cheongnyeon Mongttang Jeongbotong guide. If the account was converted from Youth Preferential Comprehensive Housing Subscription Savings, the entire existing balance is recognized. Check this separately from conversion of a regular Comprehensive Housing Subscription Savings account.\u003c/p\u003e\n\u003cp\u003eEven if you have held your existing account for a long time, you must recheck the qualifying account holding period for the loan. Your account balance may also differ from the contributions recognized for the loan. Ask the bank for your housing subscription history and loan qualification records separately.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#documents-and-steps-for-opening-or-converting-an-account\" class=\"anchor\" id=\"documents-and-steps-for-opening-or-converting-an-account\"\u003e\u003c/a\u003eDocuments and steps for opening or converting an account\u003c/h2\u003e\n\u003cp\u003eYou can open a new account or convert a regular account at a participating bank. You will generally need identification and proof of income. Additional documents may be required depending on your military service and household relationships.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCheck with the participating bank which income criteria apply on the account opening date.\u003c/li\u003e\n\u003cli\u003ePrepare identification and income documents, such as an income verification certificate for opening the account.\u003c/li\u003e\n\u003cli\u003eIf you need military service deducted from your age, prepare a military service certificate or similar documents.\u003c/li\u003e\n\u003cli\u003eIf you have an existing account, check whether it can be converted before closing it.\u003c/li\u003e\n\u003cli\u003eCheck the income deduction and tax exemption applications separately.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eThe declaration of non-homeownership for the income deduction must be submitted by the end of February in the year after the applicable tax year. The tax exemption requires separate application documents. Asking for guidance on both account opening and tax benefit documents can help prevent omissions.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#distinguishing-this-account-from-housing-support-announced-alongside-it\" class=\"anchor\" id=\"distinguishing-this-account-from-housing-support-announced-alongside-it\"\u003e\u003c/a\u003eDistinguishing this account from housing support announced alongside it\u003c/h2\u003e\n\u003cp\u003eYouth rent support and support for rental deposit return guarantee fees are separate programs. The Ministry of Land, Infrastructure and Transport's announcement on October 12, 2026, also mentioned expanding these programs. Opening a housing subscription account does not automatically apply you for them.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eProgram\u003c/th\u003e\n\u003cth\u003ePurpose of support\u003c/th\u003e\n\u003cth\u003eWhat to check separately\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Program\"\u003eYouth Housing Dream Subscription Account\u003c/td\u003e\n\u003ctd data-label=\"Purpose of support\"\u003eHousing subscription savings and preparation for a home purchase\u003c/td\u003e\n\u003ctd data-label=\"What to check separately\"\u003eEligibility requirements, interest rates, and tax benefit conditions\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Program\"\u003eYouth rent support\u003c/td\u003e\n\u003ctd data-label=\"Purpose of support\"\u003eReduce the burden of monthly rent\u003c/td\u003e\n\u003ctd data-label=\"What to check separately\"\u003eApplication announcements and household income requirements\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Program\"\u003eSupport for rental deposit return guarantee fees\u003c/td\u003e\n\u003ctd data-label=\"Purpose of support\"\u003eReduce the burden of guarantee fees paid\u003c/td\u003e\n\u003ctd data-label=\"What to check separately\"\u003eGuarantee enrollment, income, and application requirements\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Program\"\u003eDidimdol and Beotimmok loans\u003c/td\u003e\n\u003ctd data-label=\"Purpose of support\"\u003eSupport for home purchases and jeonse deposits\u003c/td\u003e\n\u003ctd data-label=\"What to check separately\"\u003eRevisions and effective dates for each product\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eDo not apply the account's proposed relaxed annual income limit of KRW 70 million to other programs. For rent and guarantee fee support, check announcements from the responsible local government. For loans, refer to the Housing and Urban Fund's guide for the specific product.\u003c/p\u003e\n","tags":["Everyday Finance","Real estate policy","Loans","Homeownership","Year-end tax settlement","Housing Subscription"],"faqs":[{"question":"Can I sign up right away if my annual income is 70 million won?","answer":"The Ministry of Land, Infrastructure and Transport announced that it would expand eligibility to people with an annual income of at most 70 million won. The notice dated October 15, 2026 that we reviewed describes the change as scheduled to take effect. Check with a participating bank to confirm when the relaxed criteria will start to apply."},{"question":"Am I ineligible to sign up if I am older than 34?","answer":"If you can provide proof of military service, up to 6 years can be deducted from your age. You may meet the age requirement if your age after the deduction is at most 34. You must also meet the other eligibility requirements."},{"question":"Will I receive an annual interest rate of 4.5% as soon as I sign up?","answer":"You generally need to meet conditions such as holding the account for at least 2 years. The preferential interest rate applies based on how long you have not owned a home and the principal limit. Separate exceptions apply if you close the account after being selected for a housing allocation."},{"question":"If I deposit 3 million won, will I get 1.2 million won back?","answer":"The 1.2 million won is an income deduction. It is the amount subtracted from the income used to calculate your tax. The actual reduction in tax depends on your individual tax rate, other deductions, and other factors."},{"question":"If the income criteria for signing up are relaxed, will the tax exemption also be expanded?","answer":"Separate requirements apply to opening the account and receiving the tax exemption. The tax exemption has requirements concerning income and membership in a household that does not own a home, among others. Check with the bank separately from your eligibility to open the account."},{"question":"If I convert a regular housing subscription savings account, will my existing contribution history be lost?","answer":"Your existing account holding period and recognized contribution history can be carried over. However, the preferential interest rate does not apply to the principal transferred during conversion. Check with the bank to confirm what will be recognized before the conversion is processed."},{"question":"If I have held my existing account for more than 1 year, can I get a linked loan immediately after conversion?","answer":"The housing subscription history of a regular account and the account holding period required for a linked loan are treated separately. The linked loan guidance requires at least 1 year from the date of conversion to a Youth Housing Dream account. Check the period as of the loan application date."},{"question":"Can everyone borrow up to 400 million won through the Youth Housing Dream Didimdol Loan?","answer":"The stated maximum limits are 300 million won for unmarried borrowers and 400 million won for newlywed households. The actual loan amount depends on the assessment of collateral value, repayment capacity, and other factors."},{"question":"Can I apply for a housing subscription savings account and rent support at the same time?","answer":"Housing subscription savings accounts and Youth Monthly Rent Support are separate programs. You need to check the eligibility requirements and application procedures for each. Opening an account alone does not constitute an application for rent support."}],"sources":[{"url":"https://www.molit.go.kr/USR/NEWS/m_71/dtl.jsp?id=95092491","title":"Ministry of Land, Infrastructure and Transport, Announcement of Eased Income Requirements for Opening a Youth Housing Dream Subscription Savings Account, October 12, 2026","type":"source"},{"url":"https://www.korea.kr/multi/visualNewsView.do?newsId=148973534\u0026pWise=main\u0026pWiseMain=L3","title":"Ministry of Land, Infrastructure and Transport, I Can Open a Youth Housing Dream Subscription Savings Account Too?, October 15, 2026","type":"source"},{"url":"https://nhuf.molit.go.kr/FP/FP07/FP0701/FP07010301.jsp","title":"National Housing and Urban Fund, Youth Housing Dream Subscription Savings Account Product Guide, product information as of June 30, 2026","type":"source"},{"url":"https://www.law.go.kr/admRulLsInfoP.do?admRulSeq=2100000270814\u0026chrClsCd=010202","title":"Korean Law Information Center, Notice on Interest Rates and Operation of Comprehensive Housing Subscription Savings Accounts, version effective January 1, 2026","type":"source"},{"url":"https://image.kebhana.com/cont/download/documents/manual/0100152000201_20260101_m.pdf","title":"Hana Bank, Youth Housing Dream Subscription Savings Account Product Description, as of January 1, 2026","type":"source"},{"url":"https://img.shinhan.com/sbank2016/seol/20180730902100000022LC000030.PDF?1767367201182=","title":"Shinhan Bank, Youth Housing Dream Subscription Savings Account Product Description, applicable in 2026","type":"source"},{"url":"https://www.hanabank.com/cont/mall/mall08/mall0802/mall080203/1420296_115198.jsp","title":"Hana Bank, National Housing and Urban Fund Loan Product Guide and Youth Housing Dream Loan Interest Rate Table","type":"source"},{"url":"https://youth.seoul.go.kr/infoData/youthPlcyInfo/view.do?key=2309160001\u0026plcyBizId=20250514005400110811","title":"Seoul Youth Information Portal, Youth Housing Dream Didimdol Loan Requirements and Application Guide","type":"source"}],"images":[{"id":2394,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MzczMjgsInB1ciI6ImJsb2JfaWQifX0=--e9b6c762a8dc83971caaf062c085ed7b315b49d6/ai-443d876a.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"작은 원룸 주방 옆에서 안경과 자주색 스웨터를 착용한 젊은 남성이 휴대전화로 통화하고 있다.","caption":"청년주택드림 청약통장 가입 전 소득기준 완화안의 실제 시행 여부를 확인해야 합니다.","description":null},"en":{"alt":"A young man in glasses and a burgundy sweater takes a phone call beside a small studio apartment kitchen.","caption":"Before opening a youth housing savings account, check whether the proposed income eligibility change has taken effect.","description":null},"ja":{"alt":"小さなワンルームのキッチン脇で、眼鏡とえんじ色のセーターを着た若い男性が携帯電話で通話している。","caption":"青年住宅ドリーム申込貯蓄口座に加入する前に、所得基準の緩和案が施行されているか確認が必要です。","description":null},"es":{"alt":"Un joven con gafas y jersey granate habla por teléfono junto a la cocina de un pequeño estudio.","caption":"Antes de abrir la cuenta de ahorro juvenil para vivienda, hay que comprobar si la flexibilización del límite de ingresos ya está en vigor.","description":null},"id":{"alt":"Pria muda berkacamata dan bersweter merah marun menelepon di dekat dapur apartemen studio kecil.","caption":"Sebelum membuka rekening tabungan perumahan pemuda, pastikan apakah usulan pelonggaran batas penghasilan sudah berlaku.","description":null},"pt":{"alt":"Um jovem de óculos e suéter vinho fala ao telefone ao lado da cozinha de um pequeno apartamento estúdio.","caption":"Antes de abrir a conta de poupança habitacional para jovens, é preciso verificar se a flexibilização do limite de renda já entrou em vigor.","description":null},"zh-hant":{"alt":"一名戴眼鏡、穿酒紅色毛衣的年輕男子，在小套房的廚房旁用手機通話。","caption":"開立青年住宅夢想申購儲蓄帳戶前，應先確認放寬所得門檻的方案是否已實施。","description":null},"de":{"alt":"Ein junger Mann mit Brille und weinrotem Pullover telefoniert neben der Küche einer kleinen Einzimmerwohnung.","caption":"Vor der Eröffnung eines Wohnsparkontos für junge Menschen sollte geprüft werden, ob die geplante Lockerung der Einkommensgrenze bereits gilt.","description":null}}},{"id":2395,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MzczMzQsInB1ciI6ImJsb2JfaWQifX0=--c75929fda8889f3c74918f09729ce36d48b97674/ai-9397386d.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"중개인의 안내를 받으며 가구가 없는 아파트 내부를 둘러보는 젊은 커플","caption":"연계대출은 통장 가입만으로 보장되지 않으며 청약 당첨과 소득·자산 등 별도 심사를 거칩니다.","description":null},"en":{"alt":"A young couple tours an unfurnished apartment as a real estate agent gestures toward another room.","caption":"The linked loan is not guaranteed by opening the account; it requires a housing allocation win and separate income and asset checks.","description":null},"ja":{"alt":"不動産仲介担当者の案内で、家具のないマンションの室内を見学する若いカップル","caption":"連携ローンは口座開設だけでは保証されず、住宅の抽選当選や所得・資産などの別途審査が必要です。","description":null},"es":{"alt":"Una pareja joven visita un apartamento sin amueblar mientras una agente inmobiliaria señala otra habitación.","caption":"Abrir la cuenta no garantiza el préstamo vinculado: se exige obtener una adjudicación de vivienda y superar controles de ingresos y patrimonio.","description":null},"id":{"alt":"Pasangan muda meninjau apartemen tanpa perabot saat agen properti menunjuk ke ruangan lain.","caption":"Membuka rekening tidak menjamin pinjaman terkait; diperlukan kemenangan seleksi alokasi hunian serta pemeriksaan pendapatan dan aset.","description":null},"pt":{"alt":"Um jovem casal visita um apartamento sem mobília enquanto uma corretora aponta para outro cômodo.","caption":"Abrir a conta não garante o empréstimo vinculado: é preciso obter uma unidade no sorteio habitacional e passar por análises de renda e patrimônio.","description":null},"zh-hant":{"alt":"一對年輕伴侶在房仲帶領下，參觀尚未擺放家具的公寓。","caption":"開立帳戶不代表保證取得連結貸款，仍須符合住宅申購中籤及所得、資產等另行審核條件。","description":null},"de":{"alt":"Ein junges Paar besichtigt eine unmöblierte Wohnung, während eine Maklerin auf ein weiteres Zimmer deutet.","caption":"Die Kontoeröffnung garantiert keinen verknüpften Kredit; nötig sind eine erfolgreiche Wohnungszuteilung sowie gesonderte Einkommens- und Vermögensprüfungen.","description":null}}}],"published_at":"2026-11-03T19:43:04+09:00","updated_at":"2026-11-03T19:43:04+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://injoys.com/en/articles/youth-housing-dream-account-income-limit-eligibility"}