Korean Youth Jeonse Deposit Return Loan — How Much Can You Get?
As "reverse jeonse" situations rise — where landlords can't return deposits on time — more tenants need loans to cover their next deposit. The Youth Jeonse Deposit Return Loan is a government-backed program for renters aged 19–34 with no home ownership, offering low rates up to 80% LTV of the deposit.
In the Seoul metro area, renters with a deposit under KRW 300 million can borrow up to KRW 220 million; outside the metro, up to KRW 150 million for deposits under KRW 200 million. Rates range from 2.0% to 2.7% by income bracket; above KRW 50 million annual income, standard market rates apply.
This calculator estimates your loan limit and rate instantly from your deposit, income, and region. Actual approval depends on the bank's assessment and available program funds — use this as a reference only.
Frequently Asked Questions
You won't qualify for the preferential policy rate, but you can still apply for a standard jeonse loan product at your bank.
Eligibility depends on your existing repayment terms and total debt limits — check with your bank directly.