Retirement housing and Korea’s March 2025 reverse mortgage adjustment
A Korea Housing Finance Corporation adjustment provides a concrete comparison between downsizing and drawing monthly cash while staying in the current home.
Updated Nov 8, 2026
Payment adjustment effective 2025-03
The corporation announced that monthly payouts for applicants from 2025-03-01 would rise by an average of 0.42% under the adjustment. Existing participants and applicants through the end of 2025-02 kept their earlier calculation. The program pays monthly cash secured against a home while the participant continues to live there.
Comparing the move and the years after it
For a move to a smaller home, compare net sale proceeds after replacement and moving costs, then track changes in upkeep, transport and repairs. If staying, put monthly cash receipts, occupancy costs and the accumulating secured balance on the same comparison.
Limits of the average adjustment
The 0.42% figure is an average for that adjustment. Individual payouts and eligibility depend on the rules, the home and applicant circumstances at the time of application.
Sources
- Korea Housing Finance Corporation | 2025-03 adjustment for new applicantsAccessed Nov 8, 2026
- Korea Housing Finance Corporation | How the reverse mortgage worksAccessed Nov 8, 2026