Newlyweds Mortgage Calculator
2026 Special Mortgage Rates for Newlyweds
Calculate mortgage interest and monthly payments for newlywed-specific housing loans. Get simulations for special government-backed loans with preferential rates.
๐ What is Newlyweds Special Loan?
Newlyweds special loans are government-backed mortgages offered at below-market rates for couples married within 7 years or engaged. Representative products include Bogeumjari Loan (2.2-3.3%) and Didimdol Loan (1.85-2.65%).
๐ Mortgage Calculator
Monthly Payment
152๋ง์
Total Payment
5.5์ต์
Total Interest
2.5์ต์
82.4% of principal
๐ Principal vs Interest
Principal
3.0์ต์
Interest
2.5์ต์
๐ Payment Schedule
| Year | Annual Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 18,240,671์ | 4,839,680์ | 13,400,991์ | 3.0์ต์ |
| 2 | 18,240,671์ | 5,062,014์ | 13,178,657์ | 2.9์ต์ |
| 3 | 18,240,671์ | 5,294,562์ | 12,946,109์ | 2.8์ต์ |
| 4 | 18,240,671์ | 5,537,793์ | 12,702,878์ | 2.8์ต์ |
| 5 | 18,240,671์ | 5,792,199์ | 12,448,472์ | 2.7์ต์ |
| 6 | 18,240,671์ | 6,058,291์ | 12,182,380์ | 2.7์ต์ |
| 7 | 18,240,671์ | 6,336,608์ | 11,904,063์ | 2.6์ต์ |
| 8 | 18,240,671์ | 6,627,711์ | 11,612,960์ | 2.5์ต์ |
| 9 | 18,240,671์ | 6,932,187์ | 11,308,484์ | 2.5์ต์ |
| 10 | 18,240,671์ | 7,250,650์ | 10,990,021์ | 2.4์ต์ |
| ... Total 30 years | ||||
๐ฐ Interest Rate Comparison
| Rate | Monthly | Total Interest | Difference |
|---|---|---|---|
| 3.5% | 1,347,134์ | 1.8์ต์ | -62,251,872์ |
| 4.0% | 1,432,246์ | 2.2์ต์ | -31,611,616์ |
| 4.5% | 1,520,056์ | 2.5์ต์ | +0์ |
| 5.0% | 1,610,465์ | 2.8์ต์ | +3255๋ง์ |
| 5.5% | 1,703,367์ | 3.1์ต์ | +6599๋ง์ |
Mortgage Calculation Result
Monthly 152๋ง์
โจ Total interest 2.5์ต์Loan 3.0์ต์, 4.5% rate, 30 years
๐ก Figure it out together
Better when calculated together
#MortgageCalculator #HomeLoan #InterestRate
Important Note
This calculator is for reference only. Actual loan terms may vary based on lender, credit score, and collateral value. Contact your financial institution for accurate information.
๐ Newlyweds Loan Eligibility & Limits
Combined Annual Income: โค70M KRW (First-time: 85M)
Loan Limit: Up to 400M KRW (500M in Seoul metro)
Interest Rate: 1.85% ~ 3.3% (varies by income bracket)
๐ How to Use the Calculator
- Enter desired loan amount (max 400-500M)
- Enter applicable rate (Didimdol 1.85-2.65%, Bogeumjari 2.2-3.3%)
- Select repayment period (up to 30 years)
- Choose repayment method
- Check monthly payment and total interest
๐ Newlyweds Loan Comparison
| Product | Rate | Limit | Income Req | Features |
|---|---|---|---|---|
| Didimdol | 1.85-2.65% | 400M | โค60M | Lowest rate |
| Bogeumjari | 2.2-3.3% | 500M | โค70M | Fixed rate |
| Hope Town | 1.3% | 90% price | N/A | Public housing |
| Special Loan | 3.3% | 500M | โค100M | Relaxed req |
๐ Newlyweds Loan Checklist
- Within 7 years of marriage or getting married within 3 months
- Combined income โค70M KRW (85M for first-time buyers)
- Must be a no-home household
- Property value โค600M (500M outside Seoul)
- Credit score and income documents required
๐ Local Method & Assumption Guide
Formula Logic
Core formulas use public finance, loan, ratio, and unit conversion standards.
Source Scope
References follow publicly available standards and country-level common practices.
Assumptions
Taxes, fees, rates, and limits vary by region and institution.
Result Interpretation
Use this result as a baseline scenario. For decisions, compare with your lender quote and local tax treatment.
Locale Preset
Currency: USD
Units: imperial
Tax logic: US payroll estimate
Regulatory Note
This tool uses regional presets for estimation. Contract terms and legal limits may differ by lender, bank, or local law.
Recommended Next Actions
- Compare at least 2-3 local providers before final submission.
- Re-check fees, tax treatment, and prepayment clauses in writing.
- Run a stress scenario with +1-2% interest and lower income.
Before a real financial decision, confirm with local institution rules.