The Youth Housing Dream Subscription Account (청년 주택드림 청약통장) is the Korean government’s premier housing policy initiative for young adults aged 19 to 34 with an annual income below ₩50 million, offering up to 4.5% annual interest and an unprecedented 2.2% fixed-rate mortgage pipeline.
💡 3-Minute BriefCore Takeaways
- Eligibility: Ages 19-34 (extended up to age 40 for military veterans), annual income under ₩50M.
- 4.5% Prime Rate: 1.7%p higher than standard accounts with up to ₩5M tax-free interest.
- 100% History Preservation: Switching from standard accounts carries over 100% of payment history and ranking points.
- 2.2% Mortgage Linkage: Winning presales unlocks financing up to 80% of purchase price at 2.2% interest.