HF Raises Bogeumjari Loan Rate by 0.25%p for May

- A 0.1%p spread will be added in regulated areas from May 11

Korea Housing Finance Corporation (HF, CEO Kim Kyung-Hwan) announced on the 24th that it will raise the interest rates on Bogeumjari Loans, its long-term, fixed-rate, amortized mortgage loans, by 0.25%p starting from May 1.

- Accordingly, the interest rates of ‘Akkim-e’ Bogeumjari Loans will range between 4.60% (10-year maturity) and 4.90% (50-year maturity).

- In addition, low-income young adults, newlywed households, and socially disadvantaged groups, including households with disabled members or single-parent households, along with the victims of Jeonse fraud, can benefit from additional rate discounts up to 1.0%p, setting the final interest rates between 3.60% (10-year maturity) and 3.90% (50-year maturity)

Meanwhile, applications for Bogeumjari Loans submitted by April 30 will be eligible for the current interest rates before the increase.

An HF official said that the rate increase was unavoidable due to the continued rise in MBS issuance rates, but the increase was kept to a minimum considering the housing cost burden on ordinary homebuyers and end users.

* MBS issuance rate: (Sep. 16, 2025) 3.191% → (April. 7, 2026) 4.286% [+1.095%p]

In addition, if the collateral house is located in regulated areas, 0.1%p of spread will be added for new applications from May 11.

An HF official said that as part of its effort to focus limited funding on ordinary homebuyers, it has decided to add a spread in regulated areas.