2026-06-22 HF Offers Preferential Guarantee Fees for Households Supporting Elderly Parents and Green Buildings HF Offers Preferential Guarantee Fees for Households Supporting Elderly Parents and Green Buildings - Applicable to guarantee applications submitted on or after the 22nd Korea Housing Finance Corporation (HF, CEO Kim Kyung-Hwan) announced on the 22nd that it will offer preferential guarantee fee rates for housing guarantees to households supporting elderly parents* and green buildings** for guarantee applications submitted on or after the 22nd. HF is offering the preferential guarantee fees as part of its efforts to promote inclusive finance. * Households consisting of the applicant (and spouse), along with their direct ascendants (parents or grandparents) aged 65 or older, and/or their direct descendants (children or grandchildren, including their spouses) ** Buildings that have obtained Grade 1 or 2 Green Standard for Energy and Environmental Design Certification (preliminary) or Zero Energy Building Certification (preliminary) Under the revised policy, households supporting elderly parents that use personal guarantees* or Jeonse Security Deposit Return Guarantees (“Return Guarantees”) will receive a 0.1%p reduction in guarantee fees or a 0.02%p reduction for Return Guarantees, respectively. In addition, a 0.1%p preferential guarantee fee reduction will be applied to guarantees for home purchase, construction, and home improvement loans secured by green buildings. * Guarantees for jeonse security deposits, home purchases, interim payments, construction, and home improvement financing HF CEO Kim Kyung-Hwan said, “These preferential guarantee fees represent a policy improvement aimed at promoting inclusive housing finance by advancing both social and environmental values,” adding, “HF will continue to deliver tangible financial benefits for the public.” Meanwhile, HF already offers preferential guarantee fees to newly married couples, households raising children, small business owners, households with persons with disabilities, and low-income households. In particular, last April, HF introduced a new guarantee fee discount for households with one child (including an unborn child), further helping to reduce financing costs for low- and moderate-income households and homebuyers with genuine housing needs. more 2026-06-17 HF Issues Korea’s First Social GBP Covered Bond HF Issues Korea’s First Social GBP Covered Bond - World’s only social GBP covered bond since 2022 Korea Housing Finance Corporation (HF, CEO Kim Kyung-Hwan) announced on the 17th that it successfully issued a GBP 500 million Social GBP Covered Bond (approximately KRW 1 trillion) to strengthen ESG management and promote social value. This issuance is particularly significant* as it marks the first social GBP covered bond issued by a Korean institution and the only GBP covered bond issued in the form of a social bond** in the global GBP covered bond market since January 2022. * While global pension funds and asset managers have targets for the proportion of ESG bonds in their portfolios, there has been no supply in the GBP covered bond market since Yorkshire Building Society’s issuance in January 2022. The bond’s scarcity is therefore expected to attract investment demand and reduce funding costs. ** A special-purpose bond issued to finance projects that create social value, including housing welfare and education The bond is a three-year floating-rate note, priced at 3.953%, comprising the Sterling Overnight Index Average (SONIA), the UK risk-free reference rate, plus 0.510%p. By investor type, ▲ banks accounted for 43%, ▲ asset managers for 38%, ▲ central banks and international organizations for 10%, ▲ and others, including insurers and pension funds, for 9%, reflecting participation from a diverse range of global investors. An HF official said, “This issuance is an achievement that once again demonstrates international financial markets’ recognition of HF’s strong external credibility,” adding, “We will continue to contribute to housing stability for the public and the creation of social value through sustainable finance.” Meanwhile, since March 2019, HF has issued all of its covered bonds as ESG bonds, including social bonds. Through these issuances, HF has continued to expand housing finance for low- and moderate-income homebuyers with genuine housing needs while promoting social value. more 2026-06-16 HF Receives Highest Rating in ESG Management Assessment HF Receives Highest Rating in ESG Management Assessment - Achieving ‘AA,’ the highest rating under Sustinvest’s management assessment framework Korea Housing Finance Corporation (HF, CEO Kim Kyung-Hwan) announced on the 16th that it received the highest rating of ‘AA’ in a management assessment conducted by Sustinvest,** a leading and widely recognized institution in Korea’s environmental, social, and governance (ESG)* assessment sector. * ESG refers to the three key elements for achieving sustainability in corporate management. ** Sustinvest is a specialized institution that comprehensively assesses the ESG management levels of approximately 1,300 companies, including listed companies and major public institutions in Korea. This assessment is particularly significant as HF’s ESG management framework was objectively recognized as being at the highest level through an assessment conducted by an external institution with established credibility and expertise. HF received consistently high scores across all areas. ▲ In the Environmental category, HF was recognized for expanding eco-friendly housing finance, including offering preferential interest rates on Bogeumjari Loans for green building-certified homes. ▲ In the Social category, it was recognized for practicing inclusive finance to support housing stability for low- and moderate-income households and for its efforts to promote shared growth with local communities. ▲ In the Governance category, HF was recognized for its efforts to enhance transparency in decision-making and promote responsible management. HF CEO Kim Kyung-Hwan said, “This assessment has earned HF external recognition for its level of ESG management and its ability to put it into practice,” adding, “We will continue our efforts to deliver tangible sustainability management outcomes that the public can truly experience.” more Low interest and simple application process Housing Guarantees (individuals / builders) HF stands by ordinary people and builders

Securitization (MBS / MBB / SLBS) Home Pension (Reverse Mortgage) Enjoy your golden years in dignity in your OWN home! Investor Center KHFC is a leading ESG bond issuer Leadern sustainable housing financinge responsible for the well-being of people's housing