A perfect cheongyak (housing subscription) score is 84 points. Per Hoban Summit's published scoring, the no-home period is worth up to 32 points, the number of dependents up to 35, and subscription-account tenure up to 17—together making 84. The largest slice is dependents (35), then the no-home period (32). Account tenure at 17 is the smallest, but it is the only item that piles up on its own as time passes.
All three items are fixed as of the notice date of the housing offering. On that date, how many years without a home, how many dependents, and how many years of account tenure are locked in. It isn't calculated right before you apply—it hardens at the state on the notice date.
The no-home period: when does the clock start?
This is the most confusing item. As Samjeomsam lays out, the no-home period counts the applicant and spouse, and the start point is age 30. However, if you married before age 30, it counts from your marriage-registration date. For example, if you married at 35 and are now 40 and have been without a home throughout, the period is 10 years from age 30 (since the age-30 start precedes the later marriage). Conversely, if you married at 28, counting from that registration date makes it longer than the age-30 basis.
The per-year score starts at 2 points for under a year and rises 2 points each year, reaching the 32-point cap at 15 years or more.
| No-home period | Points | No-home period | Points |
|---|---|---|---|
| Under 1 yr | 2 | 8–9 yrs | 18 |
| 2–3 yrs | 6 | 10–11 yrs | 22 |
| 4–5 yrs | 10 | 12–13 yrs | 26 |
| 6–7 yrs | 14 | 14–15 yrs | 30 |
| 7–8 yrs | 16 | 15+ yrs | 32 |
Dependents: the largest weighting
Dependents are counted as household members listed on the applicant's resident registration as of the offering's notice date. This includes a spouse, lineal ascendants (parents, grandparents), and unmarried lineal descendants (children). The score starts at 5 points for zero and rises 5 points per person, hitting the 35-point cap at six or more—so three dependents is 20 points. But there are conditions: ascendants must have been on the same registration for at least three years, and children must be unmarried, so don't assume from the registration alone—verify.
Working out a total by case
Plug the three items into real cases and the score falls out. I also applied account tenure, which starts at 1 point under six months and rises 1 point per year to the 17-point cap at 15 years or more.
| Item | Ms. A (age 38, single household) | Mr. B (age 45, family of four) |
|---|---|---|
| No-home period | 8 yrs → 18 | 15+ yrs → 32 |
| Dependents | 0 → 5 | 3 → 20 |
| Account tenure | 8 yrs → 10 | 15+ yrs → 17 |
| Total | 33 | 69 |
Even at the same age, dependents and the no-home start date can part scores by more than 30 points—points hinge less on 'how long' than on 'with whom, and from when.'
A single household like Ms. A is structurally disadvantaged on the dependents weighting (35 points). That gap is the heart of the points system, which is why single or younger applicants realistically also look at types that carry lottery-allocation volume. Account tenure is the one score you can raise yourself by opening early and letting it accrue; how much to deposit monthly to your advantage is covered separately in the monthly recognized-amount math for subscription accounts.
What to check
- Reference date: all three items harden as of the offering's notice date—check your status before the notice
- No-home start: age 30, or the marriage-registration date if married earlier—verify a spouse's ownership history too
- No-home judgment: check whether holdings like an officetel count toward home count, via the officetel home-count criteria
- Dependent conditions: whether the three-year ascendant registration and unmarried-child rules are met
- Single-household strategy: if points are low, also review types with a lottery share
