With home prices rising so fast in Korea, data show young people are by far the group most likely to take advantage of government-subsidized home loans.
According to the data from the Korea Housing Finance Corporation, from January to September this year, almost 50 percent of these so-called policy mortgages were taken out by people in their 30s trying to get onto the housing ladder.
People in their 40s and 50s accounted for almost 30 percent and roughly 11 percent respectively.
Just 6 percent of borrowers were in their 20s, and 5 percent in their 60s.
Some policy mortgages are conventional loans and have no income restrictions, so high income borrowers can also use them.