Tag: housing account

You’ve been paying into your cheongnyak account for years. Maybe a decade. You’ve watched friends move into brand-new apartments while you’re still refreshing the results page, wondering what went wrong.

Here’s the uncomfortable truth: most people apply without a real strategy. They pick a development that looks nice, submit their application, and hope. That’s not a plan — that’s a lottery ticket mentality. And the cheongnyak system, while it does involve some luck, rewards preparation far more than most applicants realize.

I spent the last few months going deep on this — comparing scoring breakdowns across different regions, reading through housing policy updates, and talking to people who’ve actually won (and lost). What I found surprised me. The gap between a winning applicant and a losing one often comes down to 3 or 4 decisions made before the application even opens. This guide breaks all of it down.

Table of Contents

1. Understanding Housing Subscription Scoring Simulation
2. Regional Housing Subscription Strategies
3. Maximizing Chances with Special Supply Housing
4. Optimizing Your Housing Account for Better Results
5. Apartment Presale Strategy for Housing Subscribers

Understanding Housing Subscription Scoring Simulation

💡 Know your exact gajeonje score before you apply — not after.

The gajeonje (point-based) system scores applicants on three factors: household dependents, duration of account ownership, and years without homeownership. Max score is 84 points. Sounds simple. It isn’t.

One thing I got wrong early on: I assumed my score was higher than it actually was because I miscounted dependent eligibility. Running a proper scoring simulation — ideally through the official Cheongya Home portal — gives you a hard number to work with. That number determines which developments are realistically winnable for you, not for some hypothetical average applicant.

Once you know your score, you can reverse-engineer which areas and unit types have historically cleared at or below it. That’s where the strategy starts.

Read the Full Guide: Understanding Housing Subscription Scoring Simulation

Regional Housing Subscription Strategies

💡 The same score that loses in Seoul can win comfortably in a secondary city — location arbitrage is real.

Seoul and the surrounding Gyeonggi corridor are brutally competitive. Clearing scores for popular developments in these areas routinely hit the mid-60s and above. But move an hour out — to cities with active supply pipelines and lower competition ratios — and the math changes dramatically.

Plot twist: some secondary-market developments have better long-term value potential than oversubscribed Seoul units with inflated presale prices. A friend of mine made exactly this bet a few years ago, and the unit appreciated more than comparable Seoul purchases in the same period. Regional strategy isn’t a consolation prize — it can be the smarter play.

Read the Full Guide: Regional Housing Subscription Strategies

Maximizing Chances with Special Supply Housing

💡 Special supply (teukbyeol gonggeup) categories go underutilized because most applicants don’t know they qualify.

Teukbyeol gonggeup allocates a set portion of units to specific groups: newlyweds, first-time buyers, multi-child households, senior citizens, and a few others. The competition in these pools is dramatically lower than general supply — sometimes single-digit ratios versus hundreds-to-one in open competition.

The catch is that eligibility requirements are specific and easy to misread. Income caps, household registration timing, and regional residency rules can all disqualify an otherwise solid application. Worth doing a careful eligibility audit well before any application window opens.

Read the Full Guide: Maximizing Chances with Special Supply Housing

Optimizing Your Housing Account for Better Results

💡 Your cheongnyak account deposit history affects more than you think — minimum monthly contributions compound over years.

Consistent monthly deposits — even small ones — build the payment count that determines public housing (gonggeup) eligibility. Miss a month, and in some cases you reset progress in specific categories. Account age and total deposit amount both feed into your overall position.

This one rewards long-term thinking. The applicants who win in competitive markets are often the ones who set up automatic deposits years ago and largely forgot about it.

Read the Full Guide: Optimizing Your Housing Account for Better Results

Apartment Presale Strategy for Housing Subscribers

💡 Applying for the right development at the right time matters as much as your raw score.

Presale (bunyanga) timing, unit type selection, and development-specific competition data all factor into whether a given application is worth making. Some developments attract outsized attention due to location or marketing — others quietly clear with much lower scores because they flew under the radar.

Honestly, selective application is underrated. Applying to everything dilutes your focus and, in some cases, affects future eligibility windows. A more surgical approach — targeting 2 or 3 high-probability applications per year — tends to outperform spray-and-pray over time.

Read the Full Guide: Apartment Presale Strategy for Housing Subscribers

Frequently Asked Questions

What is the best way to simulate my subscription points?

Use the official Cheongya Home portal’s built-in scoring calculator — it pulls current policy weights and lets you input household details accurately. Cross-check with at least one third-party simulation tool, since calculation errors are surprisingly common. Pay close attention to how dependents are counted; that’s where most people miscalculate.

How do regional policies affect my chances of winning?

Local government housing policies can shift the supply pipeline, adjust residency-priority rules, and influence how many units go to special supply versus general competition. Areas actively trying to attract population (mid-size cities, new development zones) often have more favorable conditions for applicants without elite scores. Checking regional housing authority announcements quarterly is worth the effort.

Can I apply for special supply housing if I’m not a local resident?

It depends on the specific category and development. Some teukbyeol gonggeup pools require regional residency of 1–2 years, others don’t. Newlywed and first-time buyer categories sometimes have more flexible residency rules than categories like long-term local residents. Always read the individual announcement (gonggo) carefully — the residency requirement is usually listed in the eligibility section.

The Bottom Line

The cheongnyak system rewards patience and preparation more than luck. Most people fail not because their score is too low — but because they’re applying to the wrong developments, missing categories they qualify for, or working from inaccurate information about their own position.

Start with your score. Build from there. The guides linked above give you the detailed playbook for each step.

💡 Winning an apartment presale lottery isn’t luck — it’s timing, document prep, and knowing which projects your score can actually beat.

The Presale Timeline Problem That Trips Up First-Timers

Most people think apartment presale (cheongak) is just… showing up and hoping. Enter your number, wait for results, done.

That’s not how it works.

The presale timeline runs in stages — project announcement, application period, result release, winner verification, and contract signing. Each stage has its own deadline, its own required documents, and its own ways to either advance your position or accidentally disqualify yourself. A 29-year-old couple I know found this out during a presale application for a new development in a rapidly expanding district. They nailed the application itself. Strong score, clean eligibility. But they missed the winner verification deadline by two days because they didn’t realize the timeline kept moving after results dropped. They lost their spot. Someone else moved in.

Understanding the full presale timeline — not just the “apply here” button — is what separates persistent winners from people who can’t figure out why they keep losing.

flowchart TD
    A[Presale Announcement - Mojeob Gonggo] --> B[Review Supply Type and Eligibility]
    B --> C[Calculate Current Subscription Score]
    C --> D{Score Above Historical Cutoff?}
    D -- Yes --> E[Stage Required Documents]
    D -- No --> F[Assess Nearby Alternative Projects]
    E --> G[Submit Application in 3 to 5 Day Window]
    F --> G
    G --> H[Await Result Release]
    H --> I[Winner Verification Period]
    I --> J[Contract Signing]
    J --> K[Move-In After Construction Completes]

Identifying Presale Projects Where Your Score Can Actually Win

💡 The competition ratio for a presale project tells you more than any location factor — always check it before committing to an application.

Here’s the thing — not all presale projects are worth your attention equally. Competition ratios vary wildly. A high-profile new development in a sought-after district might pull in 80, 100, even 200+ applicants per unit. Meanwhile, a comparable project in an adjacent area might run ratios under 5-to-1.

I spent a few weekends going through publicly available presale result data, and the pattern is consistent: projects near new infrastructure announcements — subway line extensions, large-scale redevelopment zones — attract speculative demand that inflates competition ratios well beyond what the underlying fundamentals justify. People apply because they’ve heard the neighborhood is “up and coming.” Not because their score can win there.

That’s not to say avoid popular areas entirely. But if your subscription score sits around 50-55 points under the gajeomsik system, you’re probably not winning in a district where the cutoff has run 62-65 for three consecutive cycles. That’s not pessimism. That’s targeting.

Reading the Competition Data Before You Apply

Am I the only one who finds it a little surprising that most applicants skip this research entirely? It takes maybe 20 minutes and could shift your entire strategy.

The special supply row is worth pausing on. Newlywed supply (sinyeombu teukbyeol gonggeup) and first-time buyer categories have lower competition ratios across the board — and they’re evaluated partly on eligibility criteria rather than raw score. If you qualify, prioritizing these over general supply can meaningfully improve your odds without waiting years for your score to climb.

Document Preparation — Start Earlier Than You Think

💡 Most application failures happen not at the lottery stage but at verification — have your documents ready before the announcement even drops.

Oh, and this part’s important: the documents you need don’t materialize overnight.

A family relationship certificate (gajok gwangye jeungmyeongseo), registered household registration (jumin deungbon), and bankbook confirmation letter each have processing times. Government offices can take 2-5 business days. Employer income verification can take longer. And — this one catches people off guard — certain certificates have validity windows. Get them too early and they’ll be technically expired by the time the winner verification period opens.

The couple I mentioned earlier now keeps a running document checklist in a shared notes app. They refresh it whenever a life change occurs — new address, updated income bracket, change in household members — and pull fresh copies every time a target presale project enters its announcement phase. (This one’s a game-changer, trust me.) That single habit eliminated most of the last-minute stress from their application process.

The goal is near-readiness before you even know which project you’ll apply for. Not scrambling the night before the window closes at midnight.

Monitoring Presale Updates Without Drowning in Noise

💡 Set targeted alerts for your preferred districts — the announcement window is short and information overload is the real enemy.

Funny enough, the biggest obstacle for most serious applicants isn’t eligibility or score — it’s information management. Presale announcements drop across dozens of regions simultaneously, and trying to manually track all of them is a reliable path to either missing something critical or burning out entirely.

The practical approach: pick two or three target districts that actually align with your current score and life situation. Set push or email alerts through the official housing subscription portal. Check regional community boards — not for speculation, just for timing signals — once or twice a week. When a target project drops its announcement, you’ll know within hours. Your documents are staged. Your score is verified.

You apply on day one of the window, not day four.

That’s not luck. That’s a system. And systems beat hope every single time.

Related Articles

• Understanding Housing Subscription Scoring Simulation
• Regional Housing Subscription Strategies
• Maximizing Chances with Special Supply Housing

Back to Complete Guide: Housing Subscription Strategy: How to Maximize Your Winning Chances

💡 Your housing account is only as powerful as the information inside it — update it regularly, track your history, and use it to apply for multiple options at once to dramatically improve your chances.

Why Most People Treat Their Housing Account Like a Forgotten App

You opened it once, filled in your details, and haven’t touched it since. Sound familiar?

Here’s the thing — your housing account isn’t a static form. It’s a living record that directly affects your subscription scoring, your eligibility status, and ultimately whether your name appears on that winner’s list. Treating it like a one-time setup is one of the most common and costly mistakes applicants make.

A 32-year-old professional I know — a career-switcher who’d been diligently building up his housing bankbook deposit (cheongak tongjang) for two solid years — found this out the rough way. Earlier this year, he applied for a public housing lottery only to discover his registered household address hadn’t been updated after a move he’d made fourteen months prior. Application flagged. Window missed. Two years of careful saving, one overlooked field.

That stings. And it’s completely avoidable.

flowchart TD
    A[Open Housing Account] --> B[Verify Personal Info]
    B --> C{Is info current?}
    C -- No --> D[Update Address, Income, Household]
    C -- Yes --> E[Review Subscription History]
    D --> E
    E --> F[Check Upcoming Lottery Schedule]
    F --> G[Apply for Multiple Eligible Properties]
    G --> H[Track Results and Score Changes]

The Information Fields That Actually Move the Needle

💡 Outdated address or household data can disqualify an otherwise strong application — check these fields before every major lottery cycle.

Not all profile fields carry equal weight. Your registered residential address, household composition, and income bracket are the big three. These directly determine which housing categories you qualify for and how your score is calculated under the point-based subscription system (gajeomsik cheongyak).

Income data especially. Most people update their address when they move, but completely forget to adjust income brackets after a raise or a job change. I checked my own account last spring and realized I was still listed under a threshold from two years prior. Honestly, I’m still not 100% sure whether that affected any past application — but I wasn’t going to risk it again.

Notice the deposit row says monthly review — not monthly deposits of any size. Irregular lump-sum contributions can actually be less effective than smaller, consistent monthly payments depending on how your institution calculates score progression. Worth confirming with your bank directly.

Your Subscription History Is Data — Start Using It That Way

💡 Past scores are a map — they show exactly which projects you were competitive for and which ones to skip next time.

Plot twist: most housing account holders never revisit their past applications once a result comes in.

That’s a mistake. Your subscription history tells a story — which areas you applied to, what your score was at the time, and how that score compared to the final winning cutoff (dangchum gasanjeom). Most housing portals display this historical data if you know where to look.

Has anyone else noticed how much easier it gets to strategize once you have this data in front of you? You stop applying randomly and start targeting the gaps.

One practical move: screenshot your past application results quarterly and cross-reference your score against the publicly released winning scores for each project. If you were consistently 2-3 points below the cutoff in a certain district, that’s actionable intelligence — not just a “better luck next time” moment. It tells you whether to keep building your score in that area or pivot to a district with lower cutoffs where you’re already competitive.

One Account, Multiple Chances — The Move Most Applicants Skip

💡 One account can support multiple simultaneous applications — most applicants leave this advantage completely untouched.

Here’s where it gets interesting. Your housing subscription account isn’t limited to one application per cycle. Depending on the supply type — general supply, special supply, newlywed priority, first-time buyer categories — you may be eligible to apply across several projects within the same window.

The career-switcher I mentioned? He’d been applying to one project per cycle, assuming that was the rule. When he finally read the eligibility guidelines properly, he realized he could have been applying to two or three qualifying options simultaneously for the better part of three years. His estimate: he missed at least four valid opportunities he qualified for.

Set calendar reminders — put them in your phone right now — for every recruitment announcement (mojeob gonggo) relevant to your target area. Most announcements go live on specific days, and the application window is typically only three to five days long. Miss the window, miss the cycle. Applying to more eligible options carries no score penalty either. The only filter is whether you meet each project’s individual eligibility criteria.

So the real question is — how many eligible opportunities have you already walked past without realizing it?

Related Articles

• Understanding Housing Subscription Scoring Simulation
• Regional Housing Subscription Strategies
• Maximizing Chances with Special Supply Housing

Back to Complete Guide: Housing Subscription Strategy: How to Maximize Your Winning Chances

💡 Special supply housing is the single most underused pathway for younger applicants — if you qualify, you’re not competing against the general pool at all.

What Special Supply Actually Means (And Why Most People Sleep on It)

Special supply housing — known as teukbyeol gonggeup in Korean housing policy — carves out a dedicated allocation of units for specific applicant groups before the general lottery even opens. We’re talking roughly 60–85% of total units in many public housing projects reserved exclusively for eligible groups.

That’s not a typo. The majority of units, gone before the random lottery begins.

I genuinely didn’t understand this when I first started looking at housing options in my mid-twenties. I assumed “special supply” was a small side program for extreme cases. Then I looked at an actual unit breakdown for a project near me and nearly fell out of my chair — 72% of available units were designated special supply. The “open” general lottery? Twenty-eight percent, competing with everyone else.

If you even potentially qualify for a special supply category, you need to know.

Eligibility Categories and the Scoring Advantage They Give You

💡 Special supply applicants don’t compete against the general pool — they compete only within their category, which is almost always smaller and less crowded.

There are several major special supply categories, and eligibility requirements differ by category. Here’s a breakdown of the main ones:

For a 26-year-old looking at affordable housing options, the newlywed category and first-time homebuyer track are usually the most accessible. The income thresholds do apply — and they’re real cutoffs, not soft guidelines — but for someone early in their career, they’re often achievable.

Here’s the scoring advantage in plain terms: within a special supply category, you’re frequently competing against a pool of maybe 50–300 applicants for a defined number of units. In general supply for the same complex? You might be one of 3,000.

💡 Tip: Even if your income is slightly above the threshold now, life changes — job transitions, marriage, moving cities — can shift your eligibility. Check again before writing yourself off.

How to Track Special Supply Launches Before the Window Closes

💡 Most special supply applicants miss opportunities not because they’re ineligible — but because they find out too late.

This is the part nobody tells you clearly enough. Special supply announcements don’t always come with a lot of advance notice. A project might open its subscription window with two to three weeks of official lead time — and if you’re not already watching, you miss it.

A student I know — early twenties, renting a studio, barely making rent — qualified for both the first-time homebuyer and newlywed categories after getting married last year. She found out about an applicable project through a random social media post, four days before the subscription window closed. She scrambled, pulled together the documents, and got in. It worked out. But it almost didn’t, and that’s a terrible way to operate.

Here’s how to actually stay ahead of it:

• Register for alerts on the official Cheongak Home portal — you can filter by region and eligibility type
• Follow regional housing authority announcements directly; they often post project details before the national portal does
• Join community forums or housing-focused groups where people share upcoming launches — crowdsourced early warning systems are genuinely useful here
• Check the quarterly public housing supply schedule released by the Ministry of Land — it gives rough timelines for upcoming projects by region

flowchart TD
    A[Determine Your Special Supply Category] --> B{Are you eligible for any category?}
    B -- No --> C[Build toward eligibility:\nmarriage, account age, income review]
    B -- Yes --> D[Register on Cheongak Home portal]
    D --> E[Set regional alerts for target area]
    E --> F[Monitor quarterly supply schedule]
    F --> G[Project announcement found]
    G --> H[Verify eligibility against this project's criteria]
    H --> I{Eligible?}
    I -- Yes --> J[Prepare documents immediately]
    I -- No --> F
    J --> K[Submit on Day 1 of subscription window]
    K --> L[Track results and adjust for next round]

The Mistakes That Kill Special Supply Applications

Fast section here, because this stuff is avoidable.

💡 Tip: Document preparation is where most eligible applicants lose. A single missing or outdated certificate can disqualify an otherwise valid application.

Three things that knock people out of special supply even when they qualify:

1. Outdated documents — most projects require certificates issued within 1–3 months of the subscription date. A family register from six months ago often won’t cut it
2. Missing the income verification window — income thresholds are assessed against specific reference periods, and using the wrong year’s data is a surprisingly common error
3. Applying in the wrong order — some applicants try to apply to both special supply and general supply for the same project. In many cases, applying to special supply first is required, and general supply is only available to those who didn’t receive special supply allocation

Funny enough, the process gets a lot less intimidating once you’ve done it once. The first application is the hardest, mostly because you’re not sure which documents to pull or what order things go in. After that, it becomes fairly mechanical.

If you even suspect you might qualify for a special supply category — and especially if you’re a younger renter who’s never owned property — don’t wait until you feel “ready” to look into it. The window for some of these categories is genuinely time-sensitive. Earlier this year I watched someone realize they’d aged out of a newlywed category window because they waited too long to apply.

That’s not a mistake you want to make twice.

Related Articles

• Understanding Housing Subscription Scoring Simulation
• Regional Housing Subscription Strategies
• Optimizing Your Housing Account for Better Results

Back to Complete Guide: Housing Subscription Strategy: How to Maximize Your Winning Chances

💡 Winning lottery outcomes in housing subscription have less to do with luck than with choosing the right region at the right time — and most families skip this step entirely.

The Region You Pick Is Half the Battle

Most people approach housing subscription by zeroing in on a unit they want, then hoping the numbers work out. That’s exactly backwards. The smartest applicants — and I’ve talked to enough of them to say this with some confidence — treat regional selection as the primary decision, not a secondary one.

A family I know spent three years chasing apartments in one of Seoul’s most competitive districts. Good score, solid account, two kids. Still lost every single time. When they finally shifted their strategy to a district thirty minutes further out, they won on their second attempt. Same family. Same score. Different odds.

That’s the whole game, really.

Reading Regional Supply Trends Before You Apply

💡 High supply doesn’t always mean lower competition — what matters is the ratio of applicants to available units, not raw numbers.

When you’re evaluating where to apply, you need to look at more than just how many units are being built. New supply in a highly desirable area often attracts a flood of applicants. The competition ratio — total applicants divided by available units — is the actual number that matters.

Here’s how regional dynamics tend to play out across different area types:

Plot twist: some of the lowest-competition winning lottery outcomes happen in areas most people assume are oversupplied. Large planned development zones sometimes release units faster than the local applicant pool grows — and that creates real windows for families who are paying attention.

Has anyone else noticed how little most people think about the supply pipeline before they apply? It’s one of those things that seems obvious in hindsight but almost never gets talked about at the start of the process.

How Regional Policy Shapes Your Odds

💡 Regulated and non-regulated areas follow different rules — misreading which applies to your target zone can disqualify you before you even start.

This is where things get genuinely complicated, and I’ll be honest — I initially got this wrong too when I first started researching it.

Korea’s housing subscription system divides areas into regulated zones (tugi gwamyeok jiyeok or similar) and non-regulated zones. The rules around who can apply, how many subscriptions you can have active simultaneously, and whether points or lottery determine winners are all affected by this classification.

Key regional policy differences to know:

• In regulated areas, the points-based (gajum) system typically applies to 75–85% of general supply units — random lottery only covers the remainder
• Non-regulated areas often rely more heavily on random lottery, which benefits lower-score applicants significantly
• Some regions restrict applicants to residents who’ve lived in the area for a minimum period — often 1–2 years
• Eligibility for applying in multiple regions simultaneously depends on your current registration address

Oh, and this part’s important: regional classifications change. A district that was regulated last year may be de-regulated now, or vice versa. Always check the most current designation before you commit to a target area.

flowchart TD
    A[Identify Target Region] --> B{Is the area regulated?}
    B -- Yes --> C[Points system dominates\n75-85% of general supply]
    B -- No --> D[Random lottery more common\nLower scores competitive]
    C --> E[Check residency requirements]
    D --> E
    E --> F{Do you meet local residency rules?}
    F -- No --> G[Consider building local registration\nor pivot to eligible area]
    F -- Yes --> H[Analyze competition ratio]
    H --> I[Check upcoming supply pipeline]
    I --> J[Select optimal application window]

Timing Your Application Around Regional Patterns

Here’s the thing about timing: it’s not just about when a complex opens for subscription. It’s about the broader cycle of when supply hits the market in a given area, and how applicant volume shifts around those moments.

Regions that announce large-scale development plans tend to see a spike in competing applicants — often 6 to 18 months before units actually launch. Families who register their intent and lock in their subscription account status early often have cleaner documentation and fewer last-minute eligibility issues.

Two patterns worth tracking in any target region:

1. Seasonal supply cycles — many large housing projects launch subscriptions in spring or fall; heavy competition in those windows sometimes makes off-season launches comparatively easier to win
2. Post-policy announcement windows — when the government announces housing stimulus or deregulation in a specific area, applicant interest often spikes before the supply arrives; getting in right as supply launches — before the crowd fully organizes — is the sweet spot

The 35-year-old family I mentioned earlier? The thing that finally changed their outcome wasn’t patience alone. They started tracking new project announcements in their secondary target area six months out, prepared all their documents in advance, and submitted on day one of the subscription window. That matters more than people think. Late submissions in competitive rounds can create processing complications even when you’re technically eligible.

quadrantChart
    title Regional Strategy Matrix
    x-axis Low Competition --> High Competition
    y-axis Low Score Required --> High Score Required
    quadrant-1 Prime Target for High Scorers
    quadrant-2 Difficult: High Competition + High Bar
    quadrant-3 Sweet Spot for Mid-Range Scores
    quadrant-4 Lottery-Dependent: Score Less Critical
    Secondary Cities: [0.2, 0.3]
    Outer Metro Districts: [0.45, 0.55]
    City Center Prime: [0.85, 0.8]
    New Development Zones: [0.3, 0.35]

The families who consistently win aren’t necessarily the ones with the highest scores. They’re the ones who picked their arena carefully — and showed up prepared.

Related Articles

• Understanding Housing Subscription Scoring Simulation
• Maximizing Chances with Special Supply Housing
• Optimizing Your Housing Account for Better Results

Back to Complete Guide: Housing Subscription Strategy: How to Maximize Your Winning Chances

💡 Your subscription points score is the single biggest factor in whether you get a home — and most first-time applicants are sitting on a higher (or lower) score than they think.

Why Most First-Timers Get the Scoring System Completely Wrong

Here’s something that genuinely surprised me when I first looked into this: the housing subscription lottery isn’t actually random for most apartment types. For general supply units in regulated areas, your subscription points determine your rank. Miss a key detail in the calculation — and you could walk into the process thinking you’re competitive when you’re actually near the bottom of the pile.

A friend of mine went through this earlier this year. Twenty-eight, had been saving in her housing subscription account for four years, no dependents. She assumed she’d have enough points to at least make the cut. When she finally ran a proper simulation, her total came out to 31 points. The average winning cutoff for the complex she wanted? Sixty-two.

That gap is brutal. But here’s the thing — it’s fixable, if you understand what you’re working with.

Breaking Down the Three-Part Point Calculation

💡 Subscription points come from three categories — dependents, years without homeownership, and account age — and the weights between them are far from equal.

The scoring system (often called the gajum system in Korean housing policy) allocates a maximum of 84 points across three areas. Most people know it exists. Far fewer people actually know how each category is weighted:

The dependents category is weighted heaviest. Seriously — 35 out of 84 points. That means a single applicant with no kids and no elderly parents in their household starts at a structural disadvantage compared to a family of four. Does that feel unfair? A lot of people think so. But knowing this changes everything about your approach.

Quick aside: if your parents live with you but aren’t officially registered at your address, they almost certainly don’t count toward your dependent score. That’s one of the most common mistakes I see, and it costs people real points they could have had.

Using Simulation Tools to Find Your Real Score

💡 Don’t guess your subscription points — simulate them. The gap between what people estimate and what they actually have is often 10 or more points.

I ran my numbers through three different online calculators last month just to compare. The results were close but not identical — and the discrepancies were almost always in how dependent status gets counted when family members are registered at your address versus simply living there.

Here’s what you’ll need to enter for an accurate simulation:

• Your exact household composition — who is officially registered at your current address
• The precise month (not just year) your housing subscription savings account was opened
• Whether you or anyone in your household has owned a home in the past five years
• Age of the primary applicant (affects certain eligibility conditions)

The government’s official housing portal — commonly referred to as Cheongak Home — has a built-in calculator. Start there. Then cross-reference with a private real estate platform. When there’s a conflict between results, dig into the dependent classification first. That’s where errors hide.

flowchart TD
    A[Start: Gather Your Information] --> B[Enter household registration details]
    B --> C[Enter subscription account open date]
    C --> D[Enter homeownership history]
    D --> E[Run simulation on official portal]
    E --> F{Result matches expectations?}
    F -- Yes --> G[Cross-check with private platform]
    F -- No --> H[Review dependent classification]
    H --> B
    G --> I[Compare to regional winning cutoffs]
    I --> J{Score competitive for target area?}
    J -- Yes --> K[Apply strategically]
    J -- No --> L[Identify improvement areas and wait]

What Your Score Actually Means — And What Moves the Needle

Knowing your subscription points score in isolation is almost useless. What matters is how it compares to the winning cutoffs in your target region.

In major metropolitan areas, popular complexes regularly see winning scores of 65–72 points. In smaller cities or lower-competition districts, that cutoff can drop to 40–50. That spread is your strategic window.

If you’re 28 with no dependents and a four-year-old account, you’re probably sitting somewhere between 25 and 38 points. That’s not hopeless — it means you need to be deliberate about where and when you apply. And it means you need to understand which levers you can actually pull.

Three things genuinely move your score over time:

1. Time itself — both your account age and non-homeowner years accumulate automatically, no action required
2. Registering eligible dependents — if family members qualify and can legally register at your address, this is significant
3. Preserving your non-homeowner status — this is worth more than most people realize, and it disappears the moment you buy

Honestly, I’m still not 100% sure whether it’s worth accelerating a subscription account by moving banks for a better-aged account transfer — the rules around that are murky and the risk isn’t nothing. But the three levers above? Those are clear. Start there.

mindmap
  root((Subscription Points))
    fa:fa-users Dependents
      Registered household members
      Max 35 points
      Biggest single category
    fa:fa-home Non-Homeownership
      Years without owning
      Max 32 points
      Preserved by staying renter
    fa:fa-piggy-bank Account Age
      Months since account opened
      Max 17 points
      Grows automatically

Am I the only one who finds it slightly ironic that the best way to improve your score is to wait, stay renting, and not buy? There’s something bittersweet about the whole thing. But the system rewards patience — and the people who understand that most clearly are the ones who eventually win.

Related Articles

• Regional Housing Subscription Strategies
• Maximizing Chances with Special Supply Housing
• Optimizing Your Housing Account for Better Results

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