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.
💑 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%).
🏠 Mortgage Calculator
Monthly Payment
152만원
Total Payment
5.5억원
Total Interest
2.5억원
82.4% of principal
📊 Principal vs Interest
Principal
3.0억원
Interest
2.5억원
📅 Payment Schedule
| Year | Annual Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 18,240,671원 | 4,839,680원 | 13,400,991원 | 3.0억원 |
| 2 | 18,240,671원 | 5,062,014원 | 13,178,657원 | 2.9억원 |
| 3 | 18,240,671원 | 5,294,562원 | 12,946,109원 | 2.8억원 |
| 4 | 18,240,671원 | 5,537,793원 | 12,702,878원 | 2.8억원 |
| 5 | 18,240,671원 | 5,792,199원 | 12,448,472원 | 2.7억원 |
| 6 | 18,240,671원 | 6,058,291원 | 12,182,380원 | 2.7억원 |
| 7 | 18,240,671원 | 6,336,608원 | 11,904,063원 | 2.6억원 |
| 8 | 18,240,671원 | 6,627,711원 | 11,612,960원 | 2.5억원 |
| 9 | 18,240,671원 | 6,932,187원 | 11,308,484원 | 2.5억원 |
| 10 | 18,240,671원 | 7,250,650원 | 10,990,021원 | 2.4억원 |
| ... Total 30 years | ||||
💰 Interest Rate Comparison
| Rate | Monthly | Total Interest | Difference |
|---|---|---|---|
| 3.5% | 1,347,134원 | 1.8억원 | -62,251,872원 |
| 4.0% | 1,432,246원 | 2.2억원 | -31,611,616원 |
| 4.5% | 1,520,056원 | 2.5억원 | +0원 |
| 5.0% | 1,610,465원 | 2.8억원 | +3255만원 |
| 5.5% | 1,703,367원 | 3.1억원 | +6599만원 |
Mortgage Calculation Result
Monthly 152만원
✨ Total interest 2.5억원Loan 3.0억원, 4.5% rate, 30 years
💡 Figure it out together
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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.
📐 Newlyweds Loan Eligibility & Limits
Combined Annual Income: ≤70M KRW (First-time: 85M)
Loan Limit: Up to 400M KRW (500M in Seoul metro)
Interest Rate: 1.85% ~ 3.3% (varies by income bracket)
📝 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
📊 Newlyweds Loan Comparison
| Product | Rate | Limit | Income Req | Features |
|---|---|---|---|---|
| Didimdol | 1.85-2.65% | 400M | ≤60M | Lowest rate |
| Bogeumjari | 2.2-3.3% | 500M | ≤70M | Fixed rate |
| Hope Town | 1.3% | 90% price | N/A | Public housing |
| Special Loan | 3.3% | 500M | ≤100M | Relaxed req |
💝 Newlyweds Loan Checklist
- Within 7 years of marriage or getting married within 3 months
- Combined income ≤70M KRW (85M for first-time buyers)
- Must be a no-home household
- Property value ≤600M (500M outside Seoul)
- Credit score and income documents required
📚 Guide de calcul local
Logique de formule
Utilise des formules publiques de finance, prêt, ratio et conversion.
Périmètre des sources
Références basées sur standards publics et pratiques courantes par pays.
Hypothèses
Taxes, frais, taux et plafonds varient selon la région et l’organisme.
Result Interpretation
Utilisez ce résultat comme scénario de base. Avant décision, comparez-le avec une offre réelle et la fiscalité locale.
Préréglage local
Devise: EUR
Unités: metric
Modèle fiscal: US payroll estimate
Note réglementaire
Cet outil utilise des préréglages régionaux pour l’estimation. Les conditions réelles et limites légales varient selon l’établissement et la loi locale.
Actions recommandées
- Comparez au moins 2-3 établissements locaux avant décision.
- Vérifiez par écrit frais, fiscalité et clause de remboursement anticipé.
- Testez un scénario de stress avec +1-2% de taux.
Avant toute décision réelle, vérifiez les règles locales à jour.