The cheongyak (housing subscription) account deducts 40% of up to 3 million won paid in a year, capped at 1.2 million won. That is income removed, not tax refunded — at a 15% bracket it cuts the bill by 198,000 won.
Housing subscription points top out at 84, and the floor is 6 — not zero. Here is the full scoring table for the three categories, worked through four household scenarios.
From November 2024, the recognized monthly deposit for public housing subscription rose from 100,000 to 250,000 won. Reaching a 15 million won balance drops from 12 years 6 months to 5 years.
Gukmin jutaek (public housing) ranks applicants by deposit count; minyeong jutaek (private housing) by total account balance. Running three saving patterns through both sets of rules shows where the same account qualifies for one and fails the other.
The monthly recognized contribution for housing subscription accounts rose to 250,000 KRW in November 2024. Based on the 14.93 million KRW average winning balance for public housing pre-applications, here is the gap in time-to-target between depositing 100,000 KRW and 250,000 KRW per month.