내년 출시 ‘청년미래보금자리론’, 청년 아파트구입 막고 빌라 유도한다?

The upcoming product slated for release next year, 'Chun Yun Mireabe Geumiril Doran,' is a temporary policy measure aimed at discouraging young adults from purchasing apartments and encouraging them to buy houses priced at 4 billion won or less. Financial authorities explained that young individuals aspiring to buy an apartment can fully utilize existing policy tools such as 'Geumiril Doran' and 'Diddimdo Daeout' to purchase an apartment.

The authorities also stated that they will consider expanding the target of support to apartment purchases in the future, based on the operational progress and housing market conditions. The Chun Yun Mireabe Geumiril Doran is designed for individuals aged 39 or younger with a net annual income of 70 million won or less, who are purchasing their first home.

It offers an LTV (loan-to-value) ratio of up to 80% for non-apartment purchases (such as houses like villas, with a floor area of 85㎡ or less) and a maximum 2.0% point interest rate subsidy over the standard Geumiril Doran. This new policy product is a "monthly rent" housing purchase policy, allowing the purchase of a house through monthly rent payments of around 85 million won (a 2 billion won loan, 30-year term, 3.0% interest, for example).

The supply amount is capped at 3 trillion won annually, with a two-year temporary operation (total of 6 trillion won) scheduled to end by 2028. Some media outlets reported last week that the 'Chun Yun Mireabe Geumiril Doran' was being used to encourage young people to buy villa houses through monthly rent rather than apartments, leading to controversy.

The finance ministry then released explanatory materials, clarifying that the 'Chun Yun Mireabe Geumiril Doran' was designed to provide an additional opportunity for young adults living in shared houses, dormitories, and other non-apartment accommodations to purchase housing through monthly rent payments at a level comparable to the rent.

The finance ministry also stated that young adults who purchase an apartment using this product will retain the same favorable 70% LTV subsidy rate (70% for metropolitan and regulated areas, and 80% for other areas) as their first home purchase. In the past year, 97% of the Geumiril Doran support (12 trillion won) was used for apartment purchases, and existing policy support measures for apartment purchases will continue to be provided without hindrance.

The goal for this year is to supply around 20 trillion won in Geumiril Doran. The share of households with non-apartment housing (71.7% in 2025) is higher than those with apartments (28.3%). The average net assets of households aged 39 or younger are 2.19 billion won, with an average annual income of 67.58 million won (2025 household and financial welfare survey).

The average house purchase price (as of May 2026) is 2.1 billion won for mixed-use properties, 2.7 billion won for office hotels (40~60㎡), and 5.1 billion won for apartments. In the nationwide average, apartments account for 51% of transactions (2026 yearly trade volume), while apartments in Seoul (7.8%), Gyeonggi (32.6%), Incheon (52.8%), and the rest of the country (75%) have a higher share.

The finance ministry also explained that after using this product, the first-time LTV subsidy (70% for metropolitan and restricted areas, and 80% for other areas) will be maintained and supported based on the life cycle of the young adult, such as marriage and childbirth.