📅 2025-09-23
Complete guide to Korean housing subscription savings accounts, eligibility, payment methods, and point calculation. Start your home ownership journey with the right subscription strategy.
Housing subscription savings (주택청약종합저축) is a financial product that qualifies you to apply for public and private apartment sales. By depositing monthly amounts, you accumulate subscription points and gain opportunities to win apartment allocations.
Anyone 19 or older can join (minors with parental consent). Register at a bank or via internet banking. Monthly deposits range from 20,000 to 500,000 won. One account per person rule applies.
① Homeless period (max 32 pts): 2 points per year for those 30+ without a home. ② Dependents (max 35 pts): 3 or fewer incl. self = 5pts, 4 people = 20pts, 5 = 25pts, 6+ = 35pts. ③ Subscription period (max 17 pts): Under 6 months = 1pt, 6mo-1yr = 2pts, then 1pt per year. Total max 84 points.
For units ≤85㎡: minimum 20,000 won/month. For >85㎡: minimum 100,000 won/month. Recognized amount = monthly deposit × number of payments, up to 15 million won maximum. Reach max with 100,000/month for 12.5 years or 500,000/month for 2.5 years.
① Maximize subscription period. ② Maintain homeless status. ③ Increase dependents (marriage, children). ④ Target regional priority supply (resident priority). ⑤ Consider first-time buyer special supply. ⑥ Understand point system vs lottery system.
Housing subscription is essential for home ownership in Korea. Register early to maximize subscription period and consistently deposit to manage your subscription points.