{"content_id":"nmxtclccpk","slug":"housing-subscription-account-2026-keep-or-close","locale":"en","schema_type":"Article","category":"comparison","category_name":"Comparison","title":"Housing Subscription Savings Account: Cancel or Keep in 2026","summary":"Canceling a housing subscription savings account means giving up your subscription period and payment history. If you are considering it to raise money for stock investments or because monthly payments are burdensome, compare payment adjustments, tax deduction recapture, and whether you can fund a home purchase.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"Injoys Editorial Team","url":"https://injoys.com/ko/about"},"key_points":["If you close a housing subscription savings account and then rejoin, your previous subscription period and payment history generally do not carry over.","Pausing payments is different from canceling, but it may affect payment recognition and priority status for National Housing.","The maximum income deduction of KRW 1.2 million is the amount deducted from income, not the amount refunded.","If you formally switch to a Youth Housing Dream Subscription Savings Account, your existing subscription history can be recognized.","Changes in the number of accounts by account age alone cannot show how many people in their 20s and 30s have canceled."],"content_markdown":"Decide whether to close your housing subscription savings account based first on your plans to buy a home, rather than expected stock returns. If you close it, your existing membership period and payment history will generally be lost. If monthly payments are the problem, first consider adjusting the amount or pausing payments.\n\nInterest rates are based on the notice effective January 2026, and tax rules are based on the National Tax Service guidance for the 2025 tax year.\n\n## What do you lose if you close your housing subscription savings account?\n\nIf you close the account normally and open a new one, your previous subscription history generally does not carry over. A Housing Subscription Comprehensive Savings Account is used to apply for National Housing and private housing. You must distinguish between the money accumulated in the account and the history recognized for housing subscriptions.\n\nWhen you close the account, you can receive the principal and accrued interest. However, you cannot buy back a long membership period with money. Official account conversions and reinstatement grounds provided by law should be distinguished from normal closure. You can review the basic structure of the account system in the [Easy Law guide to opening an account](https://www.easylaw.go.kr/CSP/CnpClsMain.laf?ccfNo=4\u0026cciNo=1\u0026cnpClsNo=1\u0026csmSeq=1773).\n\n| Subscription category | What is mainly checked in the account | What it means when deciding whether to close |\n| --- | --- | --- |\n| National Housing | Membership period, recognized number of payments, recognized payment amount | It is difficult to restore past payment history simply by replenishing the balance |\n| General supply of private housing | Membership period and deposit required by region and housing size | Even if you have the required deposit, you must separately check the membership period requirement |\n| Private housing points system | Points for the account membership period | You may lose points accumulated through long-term membership |\n| Special supply | Account requirements and separate qualifications by category | You must check the conditions in the recruitment notice, including marriage, income, and assets |\n\nThe private housing points system has a total of 84 points. Of these, the account membership period is worth up to 17 points. However, this should not be generalized as the selection standard for every housing offering.\n\nIt is also inaccurate to say that opening a new account reduces your entire score to 0. Under the membership period scoring table, the bracket for less than 6 months receives 1 point. Other categories, such as the period without home ownership, are assessed separately. The scoring structure is summarized in the [National Assembly Research Service analysis of the housing subscription points system](https://www.nars.go.kr/fileDownload2.do?doc_id=1PFjK31Kj4D\u0026fileName=%28%EC%9D%B4%EC%8A%88%EC%99%80%EB%85%BC%EC%A0%90+2312%ED%98%B8-20241224%29%EC%9D%B8%EA%B5%AC%EA%B5%AC%EC%A1%B0+%EB%B3%80%ED%99%94%EC%97%90+%EB%94%B0%EB%A5%B8+%EC%A3%BC%ED%83%9D%EC%B2%AD%EC%95%BD+%EA%B0%80%EC%A0%90%EC%A0%9C%EB%8F%84+%EA%B0%9C%ED%8E%B8+%EB%B0%A9%ED%96%A5.pdf).\n\n## Comparing maintenance, paused payments, and closure by circumstance\n\nFirst determine whether the monthly outflow is the burden or whether you need the existing balance. Reducing payments can lower your future cash outflow. If you need money already deposited in the account, that requires a separate decision.\n\n| Current situation | Option to consider first | Conditions to check as well |\n| --- | --- | --- |\n| Monthly payments strain living expenses | Reduce or temporarily pause payments | Effect on recognized payments for National Housing |\n| You plan to apply for private housing | Preserve the membership period | Required deposit for the desired housing size and priority requirements by region |\n| You are preparing to apply for National Housing | Make affordable regular payments | Recognized number of payments and recognized payment amount |\n| You qualify for a preferential youth product | Official account conversion | Transfer of existing history and scope of the preferential interest rate |\n| You need the balance immediately for essential expenses | Compare net proceeds from closure with alternatives | Recaptured tax, interest, and future housing subscription plans |\n| You are short only of funds for stock investment | First review the allocation of new investment funds | The investment loss you can bear and when you will need housing funds |\n\nSimply pausing payments does not close the account. However, recognition of payments for National Housing may be delayed. Do not assume that depositing a lump sum later will cause every payment to be recognized immediately. The treatment of late payments is explained in the [KB Kookmin Bank product guide](https://ombr2.kbstar.com/quics?QViewPC=N\u0026TmpltID=TP05001\u0026page=C106592).\n\n## When monthly payments of KRW 250,000 are needed\n\nKRW 250,000 per month is not a mandatory payment for every account holder. It relates to the monthly payment recognition limit for National Housing. The standard monthly payment range for a regular Housing Subscription Comprehensive Savings Account is KRW 20,000 to KRW 500,000.\n\nFor National Housing, the recognition limit applies even if you deposit more than KRW 250,000 per month. For private housing, you must separately check whether you meet the required deposit for the region and housing size. Therefore, there is no need to increase your payment before choosing a target home. You can review this standard in [Easy Law as of August 15, 2026](https://www.easylaw.go.kr/CSP/CnpClsMain.laf?ccfNo=4\u0026cciNo=1\u0026cnpClsNo=1\u0026csmSeq=1773).\n\n- Preparing for National Housing: Check the account balance separately from the recognized payment history.\n- Preparing for private housing: Check the required deposit for the desired housing size and the membership period.\n- Adjusting monthly expenses: Secure your living expenses first, then decide on an affordable payment amount.\n\n## How much interest and income deduction apply?\n\nInterest rates and tax benefits apply only when their respective conditions are met. Avoid calculations that retroactively apply the regular account rate to the entire balance. Actual interest varies depending on when payments were made and the history of rate changes.\n\n| Item | Confirmed standard | Points to note when interpreting |\n| --- | --- | --- |\n| Regular account interest rate | Annual rate of 3.1% for membership of at least 2 years under the notice effective January 2026 | This is a pre-tax rate and the notice may change |\n| Youth Housing Dream Subscription Account | Up to 4.5% annually when the conditions are met | Check the period without home ownership, principal limit, and applicable period |\n| Income deduction for housing savings | 40% of an annual limit of KRW 3 million under the National Tax Service guidance for the 2025 tax year | The maximum KRW 1.2 million is the income deduction amount |\n\nThe regular account interest rate follows the [notice on interest rates for Housing Subscription Comprehensive Savings Accounts](https://www.law.go.kr/admRulLsInfoP.do?admRulId=42555\u0026efYd=0). The preferential rate for the youth account applies to principal of up to KRW 50 million. Generally, if the account has been maintained for at least 2 years, it applies during the period without home ownership. The applicable period is up to 10 years, and you should also review the [bank's detailed conditions](https://oland.kbstar.com/quics?cc=b030657:b029684\u0026isNew=N\u0026page=C029533\u0026prcode=DP01000935).\n\nThe income deduction is available to employees with total annual pay of at most KRW 70 million. You must also belong to a household without home ownership during the tax year. You must be the head of the household or the spouse of the head of the household. The extension to spouses applies to payments made on or after January 1, 2025.\n\nThe deduction is based on payments made into an account in your own name. Also check the registration of your certificate of no home ownership and your payment certificate. The exact eligibility conditions are provided in the [National Tax Service guide to the housing savings income deduction](https://www.nts.go.kr/nts/cm/cntnts/cntntsView.do?cntntsId=239022\u0026mi=40631).\n\n## Calculation example: What an income deduction of KRW 1.2 million means\n\nIf you pay KRW 250,000 per month for 12 months, your annual payments total KRW 3 million. This calculation assumes an employee who meets all income deduction requirements. The combined limit with other housing fund deductions must be checked separately.\n\n| Calculation step | Formula | Result |\n| --- | --- | --- |\n| Annual payments | KRW 250,000 × 12 months | KRW 3 million |\n| Income deduction | KRW 3 million × 40% | KRW 1.2 million |\n| Actual tax reduction | Reflects the individual's tax rate, other deductions, and other factors | Year-end tax settlement calculation required |\n\nKRW 1.2 million is not returned to your account. It is the amount deducted from income when calculating tax. The actual refund is also affected by the tax you have already paid. Adding the income deduction amount as though it were an investment return overstates the benefit.\n\n## Check taxes and account conversion before closing\n\nIf you claimed an income deduction, first check whether tax may be recaptured when you close the account. Normal closure within 5 years from the account opening date is a representative reason for recapture. Accounts that won housing exceeding the National Housing size limit are also subject to separate treatment.\n\nAccording to the bank's guidance, the recapture tax rate is 6% of the cumulative eligible payments. Local income tax is separate. The settlement varies depending on exceptions and your actual deduction history. Refer to the [KB Kookmin Bank guidance on tax recapture](https://oland.kbstar.com/quics?cc=b030657:b029684\u0026isNew=N\u0026page=C029533\u0026prcode=DP01000620) and request an estimate.\n\nIf you want to switch to a youth product, ask about an account conversion before closing the regular account. An official conversion can carry over your existing membership period and recognized payment history. However, the regular account interest rate applies to the converted principal. You must also separately check how advance and late payment information is handled.\n\nThe Youth Housing Dream Subscription Account is generally available to people aged 19 to 34 who do not own a home. The annual income limit is KRW 50 million. Deductions for military service periods and exceptions for proof of income follow separate rules. The account eligibility and tax exemption requirements are not the same.\n\n## Does the decline in subscribers mean the 2030 generation is closing accounts?\n\nThe number of accounts by membership period alone does not reveal the ages of account holders. Not all accounts held for a short period can be considered youth accounts. A decline in the total number of subscribers is also not the same indicator as the number of account closures.\n\n| What the statistics show | What cannot be concluded immediately | Additional data needed |\n| --- | --- | --- |\n| Decline in the total number of subscribers | The claim that the entire decrease represents account closures | Separate counts of new accounts and closures |\n| Decline in accounts held for at least 1 year but less than 6 years | The claim that the 2030 generation closed accounts in large numbers | Account opening and closure data by age |\n| Increase in accounts held for at least 10 years | The claim that no long-term subscribers closed their accounts | Movement between duration brackets and closure records |\n\nAs time passes, accounts move into the next membership period bracket. Therefore, year-over-year changes in the same bracket are also affected by this movement. Separate evidence is needed to determine whether money from closed accounts went into stocks. Check the original statistical tables in the subscription account status section of the Korea Real Estate Board's ApplyHome.\n\n## The difference between supply measures and actual subscription schedules\n\nThe announcement of supply measures alone does not confirm application or move-in dates. The Ministry of Land, Infrastructure and Transport announced rapid housing supply measures on August 13, 2026. The plan is to supply a total of 230,000 homes in the Seoul metropolitan area by 2030.\n\n\u003e Next, we will designate new public housing districts in well-located areas of the Seoul metropolitan area, including areas near transit stations, and supply 100,000 homes by 2030.\n\u003e\n\u003e Ministry of Land, Infrastructure and Transport, briefing on the “Rapid Housing Supply Measures to Stabilize the Jeonse, Monthly Rental, and Sales Markets”\n\nThe briefing states that the three newly announced districts will provide 27,000 housing units. It presents plans to start construction in those districts within 3 to 4 years. Starting construction means beginning the building work. It should not be read as meaning residents will move in within that period. Details are available in the [full Ministry of Land, Infrastructure and Transport briefing](https://www.korea.kr/briefing/policyBriefingView.do?newsId=156774369).\n\nSchedules for third-generation new towns and redevelopment projects must be checked by project site. Application conditions for New:Home also vary by supply category. Special supply for young people does not apply to every public housing sale. Check the income, asset, and account conditions in the recruitment notice for the complex that interests you.\n\n## Chances of winning and ability to pay for the home\n\nThe value of keeping the account and your ability to sign the contract after winning are separate decisions. If units are allocated by lottery, you may have an opportunity to apply even with a low points score. However, you must first meet the basic eligibility requirements for that supply. Do not estimate your own chances based on another person's winning case.\n\nIf the sale price is burdensome, write down the payment dates from the down payment through the final payment. The amount you can borrow must be checked separately from the payment schedule in the recruitment notice. The account balance does not replace the entire down payment. You can organize the required cash in the following order.\n\n1. Check the sale price and down payment due date in the recruitment notice.\n2. Write down the interim payment schedule separately from the loan conditions.\n3. Separate the cash you will use at the final payment date from the expected loan amount.\n4. Check separate expenses, including acquisition-related taxes and moving costs.\n5. If you need proceeds from selling stocks, also calculate the potential funding shortfall if you incur a loss.\n\nIf this calculation shows a funding shortfall, you can adjust your target home. Keeping the account does not mean you must also decide to apply. Consider ways to reduce the payment burden while preserving your future options.\n\n## Common mistakes when comparing it with stock investment\n\nExpected stock returns and the interest rate on a housing subscription savings account are not the same type of figure. Stocks can lose principal when prices fall. A housing subscription savings account has value in its subscription history in addition to interest. It is difficult to convert that value into a guaranteed rate of return.\n\n| Common judgment | Standard for correcting it |\n| --- | --- |\n| Stock prices have risen, so closing the account is advantageous | Past gains do not guarantee future returns |\n| Treating the KRW 1.2 million income deduction as a return | Distinguish between the income deduction amount and the actual tax reduction |\n| You must close the account if you want to pause housing subscriptions | Decide separately whether to keep the account and whether to make new payments |\n| An account is unnecessary when units are allocated by lottery | Separately check the account and priority requirements in the recruitment notice |\n| Principal safety means the same thing as deposit protection | Separately check the product's legal protection structure |\n\nHousing subscription savings accounts are not protected under the Depositor Protection Act. They are managed by the government as a funding source for the Housing and Urban Fund. The net proceeds from closure vary depending on tax settlement and other factors. The product's management structure can also be reviewed in the [Youth Housing Dream Subscription Account guide](https://oland.kbstar.com/quics?cc=b030657:b029684\u0026isNew=N\u0026page=C029533\u0026prcode=DP01000935).","content_html":"\u003cp\u003eDecide whether to close your housing subscription savings account based first on your plans to buy a home, rather than expected stock returns. If you close it, your existing membership period and payment history will generally be lost. If monthly payments are the problem, first consider adjusting the amount or pausing payments.\u003c/p\u003e\n\u003cp\u003eInterest rates are based on the notice effective January 2026, and tax rules are based on the National Tax Service guidance for the 2025 tax year.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#what-do-you-lose-if-you-close-your-housing-subscription-savings-account\" class=\"anchor\" id=\"what-do-you-lose-if-you-close-your-housing-subscription-savings-account\"\u003e\u003c/a\u003eWhat do you lose if you close your housing subscription savings account?\u003c/h2\u003e\n\u003cp\u003eIf you close the account normally and open a new one, your previous subscription history generally does not carry over. A Housing Subscription Comprehensive Savings Account is used to apply for National Housing and private housing. You must distinguish between the money accumulated in the account and the history recognized for housing subscriptions.\u003c/p\u003e\n\u003cp\u003eWhen you close the account, you can receive the principal and accrued interest. However, you cannot buy back a long membership period with money. Official account conversions and reinstatement grounds provided by law should be distinguished from normal closure. You can review the basic structure of the account system in the \u003ca href=\"https://www.easylaw.go.kr/CSP/CnpClsMain.laf?ccfNo=4\u0026amp;cciNo=1\u0026amp;cnpClsNo=1\u0026amp;csmSeq=1773\"\u003eEasy Law guide to opening an account\u003c/a\u003e.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eSubscription category\u003c/th\u003e\n\u003cth\u003eWhat is mainly checked in the account\u003c/th\u003e\n\u003cth\u003eWhat it means when deciding whether to close\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Subscription category\"\u003eNational Housing\u003c/td\u003e\n\u003ctd data-label=\"What is mainly checked in the account\"\u003eMembership period, recognized number of payments, recognized payment amount\u003c/td\u003e\n\u003ctd data-label=\"What it means when deciding whether to close\"\u003eIt is difficult to restore past payment history simply by replenishing the balance\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Subscription category\"\u003eGeneral supply of private housing\u003c/td\u003e\n\u003ctd data-label=\"What is mainly checked in the account\"\u003eMembership period and deposit required by region and housing size\u003c/td\u003e\n\u003ctd data-label=\"What it means when deciding whether to close\"\u003eEven if you have the required deposit, you must separately check the membership period requirement\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Subscription category\"\u003ePrivate housing points system\u003c/td\u003e\n\u003ctd data-label=\"What is mainly checked in the account\"\u003ePoints for the account membership period\u003c/td\u003e\n\u003ctd data-label=\"What it means when deciding whether to close\"\u003eYou may lose points accumulated through long-term membership\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Subscription category\"\u003eSpecial supply\u003c/td\u003e\n\u003ctd data-label=\"What is mainly checked in the account\"\u003eAccount requirements and separate qualifications by category\u003c/td\u003e\n\u003ctd data-label=\"What it means when deciding whether to close\"\u003eYou must check the conditions in the recruitment notice, including marriage, income, and assets\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe private housing points system has a total of 84 points. Of these, the account membership period is worth up to 17 points. However, this should not be generalized as the selection standard for every housing offering.\u003c/p\u003e\n\u003cp\u003eIt is also inaccurate to say that opening a new account reduces your entire score to 0. Under the membership period scoring table, the bracket for less than 6 months receives 1 point. Other categories, such as the period without home ownership, are assessed separately. The scoring structure is summarized in the \u003ca href=\"https://www.nars.go.kr/fileDownload2.do?doc_id=1PFjK31Kj4D\u0026amp;fileName=%28%EC%9D%B4%EC%8A%88%EC%99%80%EB%85%BC%EC%A0%90+2312%ED%98%B8-20241224%29%EC%9D%B8%EA%B5%AC%EA%B5%AC%EC%A1%B0+%EB%B3%80%ED%99%94%EC%97%90+%EB%94%B0%EB%A5%B8+%EC%A3%BC%ED%83%9D%EC%B2%AD%EC%95%BD+%EA%B0%80%EC%A0%90%EC%A0%9C%EB%8F%84+%EA%B0%9C%ED%8E%B8+%EB%B0%A9%ED%96%A5.pdf\"\u003eNational Assembly Research Service analysis of the housing subscription points system\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-maintenance-paused-payments-and-closure-by-circumstance\" class=\"anchor\" id=\"comparing-maintenance-paused-payments-and-closure-by-circumstance\"\u003e\u003c/a\u003eComparing maintenance, paused payments, and closure by circumstance\u003c/h2\u003e\n\u003cp\u003eFirst determine whether the monthly outflow is the burden or whether you need the existing balance. Reducing payments can lower your future cash outflow. If you need money already deposited in the account, that requires a separate decision.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCurrent situation\u003c/th\u003e\n\u003cth\u003eOption to consider first\u003c/th\u003e\n\u003cth\u003eConditions to check as well\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eMonthly payments strain living expenses\u003c/td\u003e\n\u003ctd data-label=\"Option to consider first\"\u003eReduce or temporarily pause payments\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check as well\"\u003eEffect on recognized payments for National Housing\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou plan to apply for private housing\u003c/td\u003e\n\u003ctd data-label=\"Option to consider first\"\u003ePreserve the membership period\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check as well\"\u003eRequired deposit for the desired housing size and priority requirements by region\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou are preparing to apply for National Housing\u003c/td\u003e\n\u003ctd data-label=\"Option to consider first\"\u003eMake affordable regular payments\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check as well\"\u003eRecognized number of payments and recognized payment amount\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou qualify for a preferential youth product\u003c/td\u003e\n\u003ctd data-label=\"Option to consider first\"\u003eOfficial account conversion\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check as well\"\u003eTransfer of existing history and scope of the preferential interest rate\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou need the balance immediately for essential expenses\u003c/td\u003e\n\u003ctd data-label=\"Option to consider first\"\u003eCompare net proceeds from closure with alternatives\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check as well\"\u003eRecaptured tax, interest, and future housing subscription plans\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou are short only of funds for stock investment\u003c/td\u003e\n\u003ctd data-label=\"Option to consider first\"\u003eFirst review the allocation of new investment funds\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check as well\"\u003eThe investment loss you can bear and when you will need housing funds\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eSimply pausing payments does not close the account. However, recognition of payments for National Housing may be delayed. Do not assume that depositing a lump sum later will cause every payment to be recognized immediately. The treatment of late payments is explained in the \u003ca href=\"https://ombr2.kbstar.com/quics?QViewPC=N\u0026amp;TmpltID=TP05001\u0026amp;page=C106592\"\u003eKB Kookmin Bank product guide\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#when-monthly-payments-of-krw-250000-are-needed\" class=\"anchor\" id=\"when-monthly-payments-of-krw-250000-are-needed\"\u003e\u003c/a\u003eWhen monthly payments of KRW 250,000 are needed\u003c/h2\u003e\n\u003cp\u003eKRW 250,000 per month is not a mandatory payment for every account holder. It relates to the monthly payment recognition limit for National Housing. The standard monthly payment range for a regular Housing Subscription Comprehensive Savings Account is KRW 20,000 to KRW 500,000.\u003c/p\u003e\n\u003cp\u003eFor National Housing, the recognition limit applies even if you deposit more than KRW 250,000 per month. For private housing, you must separately check whether you meet the required deposit for the region and housing size. Therefore, there is no need to increase your payment before choosing a target home. You can review this standard in \u003ca href=\"https://www.easylaw.go.kr/CSP/CnpClsMain.laf?ccfNo=4\u0026amp;cciNo=1\u0026amp;cnpClsNo=1\u0026amp;csmSeq=1773\"\u003eEasy Law as of August 15, 2026\u003c/a\u003e.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003ePreparing for National Housing: Check the account balance separately from the recognized payment history.\u003c/li\u003e\n\u003cli\u003ePreparing for private housing: Check the required deposit for the desired housing size and the membership period.\u003c/li\u003e\n\u003cli\u003eAdjusting monthly expenses: Secure your living expenses first, then decide on an affordable payment amount.\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-much-interest-and-income-deduction-apply\" class=\"anchor\" id=\"how-much-interest-and-income-deduction-apply\"\u003e\u003c/a\u003eHow much interest and income deduction apply?\u003c/h2\u003e\n\u003cp\u003eInterest rates and tax benefits apply only when their respective conditions are met. Avoid calculations that retroactively apply the regular account rate to the entire balance. Actual interest varies depending on when payments were made and the history of rate changes.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem\u003c/th\u003e\n\u003cth\u003eConfirmed standard\u003c/th\u003e\n\u003cth\u003ePoints to note when interpreting\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eRegular account interest rate\u003c/td\u003e\n\u003ctd data-label=\"Confirmed standard\"\u003eAnnual rate of 3.1% for membership of at least 2 years under the notice effective January 2026\u003c/td\u003e\n\u003ctd data-label=\"Points to note when interpreting\"\u003eThis is a pre-tax rate and the notice may change\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eYouth Housing Dream Subscription Account\u003c/td\u003e\n\u003ctd data-label=\"Confirmed standard\"\u003eUp to 4.5% annually when the conditions are met\u003c/td\u003e\n\u003ctd data-label=\"Points to note when interpreting\"\u003eCheck the period without home ownership, principal limit, and applicable period\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eIncome deduction for housing savings\u003c/td\u003e\n\u003ctd data-label=\"Confirmed standard\"\u003e40% of an annual limit of KRW 3 million under the National Tax Service guidance for the 2025 tax year\u003c/td\u003e\n\u003ctd data-label=\"Points to note when interpreting\"\u003eThe maximum KRW 1.2 million is the income deduction amount\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe regular account interest rate follows the \u003ca href=\"https://www.law.go.kr/admRulLsInfoP.do?admRulId=42555\u0026amp;efYd=0\"\u003enotice on interest rates for Housing Subscription Comprehensive Savings Accounts\u003c/a\u003e. The preferential rate for the youth account applies to principal of up to KRW 50 million. Generally, if the account has been maintained for at least 2 years, it applies during the period without home ownership. The applicable period is up to 10 years, and you should also review the \u003ca href=\"https://oland.kbstar.com/quics?cc=b030657:b029684\u0026amp;isNew=N\u0026amp;page=C029533\u0026amp;prcode=DP01000935\"\u003ebank's detailed conditions\u003c/a\u003e.\u003c/p\u003e\n\u003cp\u003eThe income deduction is available to employees with total annual pay of at most KRW 70 million. You must also belong to a household without home ownership during the tax year. You must be the head of the household or the spouse of the head of the household. The extension to spouses applies to payments made on or after January 1, 2025.\u003c/p\u003e\n\u003cp\u003eThe deduction is based on payments made into an account in your own name. Also check the registration of your certificate of no home ownership and your payment certificate. The exact eligibility conditions are provided in the \u003ca href=\"https://www.nts.go.kr/nts/cm/cntnts/cntntsView.do?cntntsId=239022\u0026amp;mi=40631\"\u003eNational Tax Service guide to the housing savings income deduction\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#calculation-example-what-an-income-deduction-of-krw-12-million-means\" class=\"anchor\" id=\"calculation-example-what-an-income-deduction-of-krw-12-million-means\"\u003e\u003c/a\u003eCalculation example: What an income deduction of KRW 1.2 million means\u003c/h2\u003e\n\u003cp\u003eIf you pay KRW 250,000 per month for 12 months, your annual payments total KRW 3 million. This calculation assumes an employee who meets all income deduction requirements. The combined limit with other housing fund deductions must be checked separately.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCalculation step\u003c/th\u003e\n\u003cth\u003eFormula\u003c/th\u003e\n\u003cth\u003eResult\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Calculation step\"\u003eAnnual payments\u003c/td\u003e\n\u003ctd data-label=\"Formula\"\u003eKRW 250,000 × 12 months\u003c/td\u003e\n\u003ctd data-label=\"Result\"\u003eKRW 3 million\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Calculation step\"\u003eIncome deduction\u003c/td\u003e\n\u003ctd data-label=\"Formula\"\u003eKRW 3 million × 40%\u003c/td\u003e\n\u003ctd data-label=\"Result\"\u003eKRW 1.2 million\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Calculation step\"\u003eActual tax reduction\u003c/td\u003e\n\u003ctd data-label=\"Formula\"\u003eReflects the individual's tax rate, other deductions, and other factors\u003c/td\u003e\n\u003ctd data-label=\"Result\"\u003eYear-end tax settlement calculation required\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eKRW 1.2 million is not returned to your account. It is the amount deducted from income when calculating tax. The actual refund is also affected by the tax you have already paid. Adding the income deduction amount as though it were an investment return overstates the benefit.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#check-taxes-and-account-conversion-before-closing\" class=\"anchor\" id=\"check-taxes-and-account-conversion-before-closing\"\u003e\u003c/a\u003eCheck taxes and account conversion before closing\u003c/h2\u003e\n\u003cp\u003eIf you claimed an income deduction, first check whether tax may be recaptured when you close the account. Normal closure within 5 years from the account opening date is a representative reason for recapture. Accounts that won housing exceeding the National Housing size limit are also subject to separate treatment.\u003c/p\u003e\n\u003cp\u003eAccording to the bank's guidance, the recapture tax rate is 6% of the cumulative eligible payments. Local income tax is separate. The settlement varies depending on exceptions and your actual deduction history. Refer to the \u003ca href=\"https://oland.kbstar.com/quics?cc=b030657:b029684\u0026amp;isNew=N\u0026amp;page=C029533\u0026amp;prcode=DP01000620\"\u003eKB Kookmin Bank guidance on tax recapture\u003c/a\u003e and request an estimate.\u003c/p\u003e\n\u003cp\u003eIf you want to switch to a youth product, ask about an account conversion before closing the regular account. An official conversion can carry over your existing membership period and recognized payment history. However, the regular account interest rate applies to the converted principal. You must also separately check how advance and late payment information is handled.\u003c/p\u003e\n\u003cp\u003eThe Youth Housing Dream Subscription Account is generally available to people aged 19 to 34 who do not own a home. The annual income limit is KRW 50 million. Deductions for military service periods and exceptions for proof of income follow separate rules. The account eligibility and tax exemption requirements are not the same.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#does-the-decline-in-subscribers-mean-the-2030-generation-is-closing-accounts\" class=\"anchor\" id=\"does-the-decline-in-subscribers-mean-the-2030-generation-is-closing-accounts\"\u003e\u003c/a\u003eDoes the decline in subscribers mean the 2030 generation is closing accounts?\u003c/h2\u003e\n\u003cp\u003eThe number of accounts by membership period alone does not reveal the ages of account holders. Not all accounts held for a short period can be considered youth accounts. A decline in the total number of subscribers is also not the same indicator as the number of account closures.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eWhat the statistics show\u003c/th\u003e\n\u003cth\u003eWhat cannot be concluded immediately\u003c/th\u003e\n\u003cth\u003eAdditional data needed\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"What the statistics show\"\u003eDecline in the total number of subscribers\u003c/td\u003e\n\u003ctd data-label=\"What cannot be concluded immediately\"\u003eThe claim that the entire decrease represents account closures\u003c/td\u003e\n\u003ctd data-label=\"Additional data needed\"\u003eSeparate counts of new accounts and closures\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"What the statistics show\"\u003eDecline in accounts held for at least 1 year but less than 6 years\u003c/td\u003e\n\u003ctd data-label=\"What cannot be concluded immediately\"\u003eThe claim that the 2030 generation closed accounts in large numbers\u003c/td\u003e\n\u003ctd data-label=\"Additional data needed\"\u003eAccount opening and closure data by age\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"What the statistics show\"\u003eIncrease in accounts held for at least 10 years\u003c/td\u003e\n\u003ctd data-label=\"What cannot be concluded immediately\"\u003eThe claim that no long-term subscribers closed their accounts\u003c/td\u003e\n\u003ctd data-label=\"Additional data needed\"\u003eMovement between duration brackets and closure records\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eAs time passes, accounts move into the next membership period bracket. Therefore, year-over-year changes in the same bracket are also affected by this movement. Separate evidence is needed to determine whether money from closed accounts went into stocks. Check the original statistical tables in the subscription account status section of the Korea Real Estate Board's ApplyHome.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#the-difference-between-supply-measures-and-actual-subscription-schedules\" class=\"anchor\" id=\"the-difference-between-supply-measures-and-actual-subscription-schedules\"\u003e\u003c/a\u003eThe difference between supply measures and actual subscription schedules\u003c/h2\u003e\n\u003cp\u003eThe announcement of supply measures alone does not confirm application or move-in dates. The Ministry of Land, Infrastructure and Transport announced rapid housing supply measures on August 13, 2026. The plan is to supply a total of 230,000 homes in the Seoul metropolitan area by 2030.\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003eNext, we will designate new public housing districts in well-located areas of the Seoul metropolitan area, including areas near transit stations, and supply 100,000 homes by 2030.\u003c/p\u003e\n\u003cp\u003eMinistry of Land, Infrastructure and Transport, briefing on the “Rapid Housing Supply Measures to Stabilize the Jeonse, Monthly Rental, and Sales Markets”\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eThe briefing states that the three newly announced districts will provide 27,000 housing units. It presents plans to start construction in those districts within 3 to 4 years. Starting construction means beginning the building work. It should not be read as meaning residents will move in within that period. Details are available in the \u003ca href=\"https://www.korea.kr/briefing/policyBriefingView.do?newsId=156774369\"\u003efull Ministry of Land, Infrastructure and Transport briefing\u003c/a\u003e.\u003c/p\u003e\n\u003cp\u003eSchedules for third-generation new towns and redevelopment projects must be checked by project site. Application conditions for New:Home also vary by supply category. Special supply for young people does not apply to every public housing sale. Check the income, asset, and account conditions in the recruitment notice for the complex that interests you.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#chances-of-winning-and-ability-to-pay-for-the-home\" class=\"anchor\" id=\"chances-of-winning-and-ability-to-pay-for-the-home\"\u003e\u003c/a\u003eChances of winning and ability to pay for the home\u003c/h2\u003e\n\u003cp\u003eThe value of keeping the account and your ability to sign the contract after winning are separate decisions. If units are allocated by lottery, you may have an opportunity to apply even with a low points score. However, you must first meet the basic eligibility requirements for that supply. Do not estimate your own chances based on another person's winning case.\u003c/p\u003e\n\u003cp\u003eIf the sale price is burdensome, write down the payment dates from the down payment through the final payment. The amount you can borrow must be checked separately from the payment schedule in the recruitment notice. The account balance does not replace the entire down payment. You can organize the required cash in the following order.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCheck the sale price and down payment due date in the recruitment notice.\u003c/li\u003e\n\u003cli\u003eWrite down the interim payment schedule separately from the loan conditions.\u003c/li\u003e\n\u003cli\u003eSeparate the cash you will use at the final payment date from the expected loan amount.\u003c/li\u003e\n\u003cli\u003eCheck separate expenses, including acquisition-related taxes and moving costs.\u003c/li\u003e\n\u003cli\u003eIf you need proceeds from selling stocks, also calculate the potential funding shortfall if you incur a loss.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eIf this calculation shows a funding shortfall, you can adjust your target home. Keeping the account does not mean you must also decide to apply. Consider ways to reduce the payment burden while preserving your future options.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#common-mistakes-when-comparing-it-with-stock-investment\" class=\"anchor\" id=\"common-mistakes-when-comparing-it-with-stock-investment\"\u003e\u003c/a\u003eCommon mistakes when comparing it with stock investment\u003c/h2\u003e\n\u003cp\u003eExpected stock returns and the interest rate on a housing subscription savings account are not the same type of figure. Stocks can lose principal when prices fall. A housing subscription savings account has value in its subscription history in addition to interest. It is difficult to convert that value into a guaranteed rate of return.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCommon judgment\u003c/th\u003e\n\u003cth\u003eStandard for correcting it\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common judgment\"\u003eStock prices have risen, so closing the account is advantageous\u003c/td\u003e\n\u003ctd data-label=\"Standard for correcting it\"\u003ePast gains do not guarantee future returns\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common judgment\"\u003eTreating the KRW 1.2 million income deduction as a return\u003c/td\u003e\n\u003ctd data-label=\"Standard for correcting it\"\u003eDistinguish between the income deduction amount and the actual tax reduction\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common judgment\"\u003eYou must close the account if you want to pause housing subscriptions\u003c/td\u003e\n\u003ctd data-label=\"Standard for correcting it\"\u003eDecide separately whether to keep the account and whether to make new payments\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common judgment\"\u003eAn account is unnecessary when units are allocated by lottery\u003c/td\u003e\n\u003ctd data-label=\"Standard for correcting it\"\u003eSeparately check the account and priority requirements in the recruitment notice\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common judgment\"\u003ePrincipal safety means the same thing as deposit protection\u003c/td\u003e\n\u003ctd data-label=\"Standard for correcting it\"\u003eSeparately check the product's legal protection structure\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eHousing subscription savings accounts are not protected under the Depositor Protection Act. They are managed by the government as a funding source for the Housing and Urban Fund. The net proceeds from closure vary depending on tax settlement and other factors. The product's management structure can also be reviewed in the \u003ca href=\"https://oland.kbstar.com/quics?cc=b030657:b029684\u0026amp;isNew=N\u0026amp;page=C029533\u0026amp;prcode=DP01000935\"\u003eYouth Housing Dream Subscription Account guide\u003c/a\u003e.\u003c/p\u003e\n","tags":["Everyday Finance","Decision Making","Homeownership","Year-end tax settlement","Housing Subscription"],"faqs":[{"question":"If I close my housing subscription savings account and open a new one, will my subscription period be restored?","answer":"If you close the account normally and open a new one, your previous subscription period and payment history will generally not carry over. You must separately check whether you qualify for a formal account conversion or reinstatement under the law."},{"question":"Will my housing subscription savings account be closed automatically if I stop making payments?","answer":"The account will not be closed automatically just because you stop making payments. However, recognition of payments for national housing subscriptions may be delayed."},{"question":"Do I have to pay 250,000 won every month?","answer":"A monthly payment of 250,000 won is not mandatory for every subscriber. It is related to the monthly payment recognition limit for national housing. Decide based on your target home and how much you can afford to spend each month."},{"question":"Will I receive a refund of 1.2 million won from the housing subscription savings account income deduction?","answer":"1.2 million won is the maximum income deduction available if you meet the conditions. It does not mean that the same amount will be refunded. The actual reduction in tax varies depending on your individual tax rate and other deductions."},{"question":"Does everyone without a home qualify for the housing subscription savings account income deduction?","answer":"Being without a home is not enough on its own. According to the National Tax Service's guidance for the 2025 tax year, employees with a total annual salary of 70 million won or less are eligible. You must also be the head or spouse of the head of a household that does not own a home."},{"question":"Is everyone subject to tax recapture if they close a housing subscription savings account?","answer":"Not every account closure results in tax recapture. It depends on your income deduction history, subscription period, and reason for closing the account. Ask the bank where you hold the account for the estimated tax due upon closure and the net amount you will receive."},{"question":"Will my history disappear if I switch to a Youth Housing Dream Subscription Savings Account?","answer":"If you meet the eligibility requirements and complete a formal conversion, your existing subscription period and recognized payment history can carry over. Ask your bank about converting the account before closing your regular account."},{"question":"Does the Youth Housing Dream Subscription Savings Account pay 4.5% annual interest on all the money in the account?","answer":"The preferential interest rate applies only if you meet conditions such as the required subscription period and period without home ownership. There is also a principal limit and an application period. The regular account interest rate applies to principal transferred from a regular account during conversion."},{"question":"Do people in their 20s not need an account because they have low point scores?","answer":"Not all successful subscription applicants are selected based solely on points. You can check whether you qualify for lottery-based allocation or special supply. Check the account requirements and separate eligibility criteria in each recruitment notice."},{"question":"If the number of accounts with short subscription periods declines, does that mean more young people are closing their accounts?","answer":"A subscriber's age cannot be determined from the subscription period alone. Movement between subscription period brackets also affects the number of accounts. Data on account closures by age is needed to determine the scale of closures among young people."},{"question":"Can I apply for a housing subscription immediately after housing supply measures are announced?","answer":"An announcement of housing supply measures is different from a housing subscription application notice. You can check the application schedule and eligibility only after a resident recruitment notice is issued for each project site."},{"question":"Is it better to close my housing subscription savings account if I do not have enough money to invest in stocks?","answer":"It is difficult to conclude that closing the account is beneficial solely because you lack investment funds. First check the subscription history you would lose and the possibility of tax recapture. You should also consider the possibility of investment losses when you need funds for housing."}],"sources":[{"url":"https://www.law.go.kr/admRulLsInfoP.do?admRulId=42555\u0026efYd=0","title":"National Law Information Center, Notice on Interest Rates and Operation of Housing Subscription Comprehensive Savings Accounts, effective January 1, 2026","type":"source"},{"url":"https://www.nts.go.kr/nts/cm/cntnts/cntntsView.do?cntntsId=239022\u0026mi=40631","title":"National Tax Service, Customized Guide to Income Deductions for Home Purchase Savings","type":"source"},{"url":"https://www.easylaw.go.kr/CSP/CnpClsMain.laf?ccfNo=4\u0026cciNo=1\u0026cnpClsNo=1\u0026csmSeq=1773","title":"Easy-to-Find Practical Legal Information, Enrollment in Housing Subscription Comprehensive Savings Accounts, as of August 15, 2026","type":"source"},{"url":"https://oland.kbstar.com/quics?cc=b030657:b029684\u0026isNew=N\u0026page=C029533\u0026prcode=DP01000620","title":"KB Kookmin Bank, Guide to Housing Subscription Comprehensive Savings Products and Recapture of Income Tax Deductions","type":"source"},{"url":"https://ombr2.kbstar.com/quics?QViewPC=N\u0026TmpltID=TP05001\u0026page=C106592","title":"KB Kookmin Bank, Guide to Recognition of Housing Subscription Comprehensive Savings Contributions","type":"source"},{"url":"https://oland.kbstar.com/quics?cc=b030657:b029684\u0026isNew=N\u0026page=C029533\u0026prcode=DP01000935","title":"KB Kookmin Bank, Guide to Interest Rates, Conversion to a New Account, and Depositor Protection for Youth Housing Dream Subscription Accounts","type":"source"},{"url":"https://www.imbank.co.kr/upload/newbbs/FNM001/2026020218343046847618104.pdf","title":"iM Bank, Housing Subscription Comprehensive Savings Product Description, 2026","type":"source"},{"url":"https://www.nars.go.kr/fileDownload2.do?doc_id=1PFjK31Kj4D\u0026fileName=%28%EC%9D%B4%EC%8A%88%EC%99%80%EB%85%BC%EC%A0%90+2312%ED%98%B8-20241224%29%EC%9D%B8%EA%B5%AC%EA%B5%AC%EC%A1%B0+%EB%B3%80%ED%99%94%EC%97%90+%EB%94%B0%EB%A5%B8+%EC%A3%BC%ED%83%9D%EC%B2%AD%EC%95%BD+%EA%B0%80%EC%A0%90%EC%A0%9C%EB%8F%84+%EA%B0%9C%ED%8E%B8+%EB%B0%A9%ED%96%A5.pdf","title":"National Assembly Research Service, Directions for Reforming the Housing Subscription Point System in Response to Demographic Changes, December 24, 2024","type":"source"},{"url":"https://www.korea.kr/briefing/policyBriefingView.do?newsId=156774369","title":"Ministry of Land, Infrastructure and Transport, Briefing on Rapid Housing Supply Measures to Stabilize the Jeonse, Monthly Rental, and Sales Markets, August 13, 2026","type":"source"},{"url":"https://www.myhome.go.kr/hws/portal/cont/selectNewHomeShareTypeView.do","title":"My Home Portal, Guide to Eligibility for New:Home Sharing-Type Housing and Special Supply for Young People","type":"source"}],"images":[{"id":1517,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjIzMDMsInB1ciI6ImJsb2JfaWQifX0=--70680abca278e177d4fd56dc6368555a93045bf7/ai-559f775e.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"은행 창구에서 청년이 통장 옆 서류에 펜을 댄 채 직원의 설명을 듣고 있다.","caption":"청약통장을 해지하고 재가입하면 기존 가입기간과 납입 이력은 원칙적으로 이어지지 않습니다.","description":null},"en":{"alt":"A young man holds a pen over a form beside a passbook while speaking with a bank employee.","caption":"Closing and reopening a housing subscription account generally means losing its membership and payment history.","description":null},"ja":{"alt":"銀行の窓口で、若い男性が通帳の横の書類にペンを当て、行員の説明を聞いている。","caption":"住宅購入申込用の口座を解約して再加入すると、それまでの加入期間と納入履歴は原則引き継がれません。","description":null},"es":{"alt":"Un joven sostiene un bolígrafo sobre un formulario junto a una libreta de ahorro en un banco.","caption":"Cancelar y volver a abrir la cuenta suele implicar perder la antigüedad y el historial de aportaciones.","description":null},"id":{"alt":"Seorang pria muda memegang pena di atas formulir di samping buku tabungan di meja layanan bank.","caption":"Menutup lalu membuka kembali rekening tabungan perumahan umumnya menghapus masa kepesertaan dan riwayat setoran.","description":null},"pt":{"alt":"Um jovem segura uma caneta sobre um formulário ao lado de uma caderneta em um balcão de banco.","caption":"Encerrar e reabrir a conta geralmente implica perder o tempo de adesão e o histórico de depósitos.","description":null},"zh-hant":{"alt":"銀行櫃檯前，一名年輕男子拿著筆停在文件上方，旁邊放著存摺。","caption":"解約後重新開戶，原有的加入年資與繳款紀錄原則上不會延續。","description":null},"de":{"alt":"Ein junger Mann hält am Bankschalter einen Stift über ein Formular neben einem Sparbuch.","caption":"Bei Kündigung und erneutem Abschluss gehen die bisherige Laufzeit und Einzahlungshistorie grundsätzlich verloren.","description":null}}},{"id":1518,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjIzMDksInB1ciI6ImJsb2JfaWQifX0=--0bf1ef437656cf70ac932991f5bf365b96b12947/ai-1744b0c4.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"파란 재킷을 입은 여성이 식탁에서 청약통장과 재무 자료를 펼쳐 놓고 휴대전화를 누른다.","caption":"청약통장을 해지하기 전에 월 납입액 조정을 고려할 수 있습니다.","description":null},"en":{"alt":"A woman in a blue jacket uses her phone beside a savings passbook and financial charts at a dining table.","caption":"Consider adjusting monthly payments before closing a housing subscription account.","description":null},"ja":{"alt":"青い上着の女性が、預金通帳と家計資料を広げた食卓でスマートフォンを操作している。","caption":"住宅申込用の積立口座を解約する前に、毎月の積立額の調整を検討できます。","description":null},"es":{"alt":"Una mujer con chaqueta azul usa el móvil junto a una libreta de ahorro y gráficos financieros sobre la mesa.","caption":"Antes de cerrar la cuenta de ahorro para solicitar vivienda, conviene valorar un ajuste de los pagos mensuales.","description":null},"id":{"alt":"Perempuan berjaket biru menggunakan ponsel di meja, di samping buku tabungan dan grafik keuangan.","caption":"Pertimbangkan penyesuaian setoran bulanan sebelum menutup rekening tabungan pengajuan rumah.","description":null},"pt":{"alt":"Uma mulher de casaco azul usa o celular à mesa, ao lado de uma caderneta de poupança e gráficos financeiros.","caption":"Antes de encerrar a conta de poupança para candidatura à moradia, considere ajustar os depósitos mensais.","description":null},"zh-hant":{"alt":"穿藍色外套的女子坐在餐桌旁操作手機，桌上放著儲蓄存摺和財務圖表。","caption":"取消住房申購儲蓄帳戶前，可以先考慮調整每月繳款額。","description":null},"de":{"alt":"Eine Frau in blauer Jacke nutzt am Esstisch ihr Handy neben einem Sparbuch und Finanzdiagrammen.","caption":"Vor der Auflösung des Wohnungsbewerbungs-Sparkontos lohnt es sich, die monatlichen Einzahlungen anzupassen.","description":null}}}],"published_at":"2026-09-26T22:01:25+09:00","updated_at":"2026-09-26T22:01:25+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://injoys.com/en/articles/housing-subscription-account-2026-keep-or-close"}