Enhanced Social Values

Allocation Report

Use of Proceeds
The entire proceeds of social MBS and social covered bond issuance of KHFC are used to fund public mortgage provisions on the very day of the issuance, making houses more affordable for end users with low-to-moderate income.

Enhancement of stability of the housing finance market through improvement of household debt structure

KHFC supplies long-term(10 years or longer)∙fixed rate∙amortizing mortgage loans, contributing to qualitative improvement of mortgage market structure.

Enhance housing welfare by making houses more affordable for end users with low-to-moderate income.

By providing public mortgages such as Bogeumjari loans, Didimdol loans and conforming loans, KHFC has supported homeownership of end users with low-to-moderate income. In addition, with tailored mortgage products for newlyweds, multi-child families, etc, KHFC has worked to address social issues, such as increase of single households, late marriages and low birthrate.