Korean Housing Subscription Score Calculator

When first-rank applicants compete for private housing in Korea, a large share of the units is awarded by points. The score is the sum of three items, years without owning a home, number of dependent family members and years holding a subscription account, and the maximum is 84. Enter the three values and this calculator gives the score for each item and the total, how many points remain to the cap in each, and which item offers the most room to improve.

A bare score leaves the question of what to do about it. The three items behave differently. The account period runs from the original opening date and cannot be changed now; the no-home period rises simply by waiting; and dependants are credited once the conditions are met. That is why the remaining points are shown item by item.

Anyone applying in a district or size band where most units go by points, to judge whether their score is competitive. Comparing your score with the winning-score floors published per development on the 청약홈 site shows which developments are realistic. If the score is low, a size band with a larger lottery share or a less regulated district is the better target, and this calculation is where that judgement starts.

It is also useful when the household changes, such as a parent moving in or a child being born. Each dependant is worth 5 points, the largest single step of the three items. In the other direction, the no-home period is broken if any member of the household owns a home, so the calculator helps gauge what a spouse's or parent's property does to your score.

The basis is 별표 1 of the 주택공급에 관한 규칙, the points-system criteria. The no-home period starts at 2 points for under a year, rises 2 points per year and caps at 32 points from 15 years; it counts the period during which nobody in the household owned a home as at the announcement date. Dependants, excluding yourself, start at 5 points for none, rise 5 points each and cap at 35 points from six, the heaviest weighting of the three. The account period scores 1 point for under six months, 2 for six months to a year, 3 from one year and 1 more per year after that, capping at 17 points from 15 years; it always runs from the original opening date, whatever changes of product, amount or name have happened since.

The calculation simply scores each item and adds them up. The three caps sum to 84, the maximum of 84. The calculator also reports the headroom in each item, the cap less the current score, and highlights the item with the most. The conditions for counting a dependant are set separately in 별표 1: a parent counts only if you are head of household and the parent has been on the same resident registration record for three years as at the announcement date, and a child aged 30 or over only after one year on the same record. The calculator does not ask about those conditions; it scores the number you enter.

The calculator's default is five years without a home, two dependants and seven years holding the account. The no-home period scores 2 plus 10 for five years, 12 points; dependants score 5 plus 10 for two, 15 points; the account scores 3 at one year plus 6 for the six years after, 9 points. The total is 36, with 48 points to the maximum. The no-home period and dependants each have 20 points of headroom, while the account has 8 that only time can fill.

With ten years without a home, three dependants and twelve years on the account, the items score 22, 20 and 14 for a total of 56. Here the largest headroom is in dependants, 15 points, and the no-home period reaches its cap after five more years. If the same person took in both parents for three years or more, making five dependants, that item alone would rise to 30 points and the total would jump by 10.

The most common mistake is counting the no-home period from your own position. Everyone in the household must own no home, so any period in which a spouse or a co-resident parent owned property is excluded. People also miss that the period is not counted before age 30, and for married applicants runs from the date the marriage was registered. The next is counting dependants generously: a parent needs three years and a child aged 30 or over needs one year on the same resident registration record, and if either parent owns a home, neither counts.

Many worry that switching to a new account resets the period; it does not, because the original opening date governs. Equally, there is no way to lengthen it now. Faking a residence registration to add dependants is subscription fraud, leading to cancellation of the win and criminal liability, and because this item carries the most weight it is where enforcement concentrates. Finally, this calculator shows only the points structure. First-rank conditions, the points-versus-lottery share by district and size, and special-supply eligibility are separate hurdles, so check your eligibility on 청약홈 before applying.