Changes to Housing Subscription Accounts and Deposit Increases

Jebi highlights that the subscription account deposit will rise to 250,000 won starting November 1, 2024.

### Changes to Subscription Account Deposit for Public Offerings
The deposit amount for subscription accounts will be raised to **250,000 won** starting November 1, 2024. This change affects the recognized deposit for public offerings, which was previously **100,000 won per month**. The application process for public and private sales varies based on homeownership status and property size, with specific conditions for those applying for housing **less than or greater than 40 square meters**.

### Changes to Subscription Savings and Youth Savings Accounts
The interest rate on the subscription savings account will increase to **3.1%**, and the old subscription deposit and savings accounts are being integrated into a new comprehensive housing savings account, allowing for both **public and private subscriptions**. The transition to the new account will start on **November 1st**, and previous account performance will **no longer apply**. Additionally, the income deduction amount for the comprehensive housing savings account will increase from **2.4 million won to 3 million won**, while the youth savings account's cutoff line for selection will also rise with the **increased investment amount**.

### Navigating Homeownership and Real Estate Decisions
The individual has been paying the minimum amount for seven years and is now considering increasing the payment to **250,000 won**. As a homeowner, they do not qualify for public offerings and should aim for **general sales or special supply**. They are also questioning the late join to the Cheongyang savings account and whether to give up on buying an apartment in favor of a villa, but the **high demand for apartments** and the challenges of buying a villa make the apartment a **better option**.

### Monthly Allowance and Subscription Savings for Minors
Minors cannot receive a monthly allowance of 250,000 won; they are only recognized for **100,000 won contributions** from ages 14 to 19. Opening a subscription savings account at 14 can lead to **maximum points after 15 years** of continuous contribution. The contribution amount for the subscription account will be raised to **250,000 won**, effective **November 1, 2024**.

### Strategies for Maximizing Subscription Savings Account Benefits
Depositing up to **250,000 won quickly** can increase your chances of winning a public offering. For those new to the subscription savings account, considering **private offerings or pre-owned apartments** may be a better alternative. Setting a specific deadline for contributions can help determine whether to **continue or explore other home ownership methods**.

### Changes to Subscription Accounts: Key Updates and Insights
* 📅 Starting November 1, 2024, the deposit amount for subscription accounts will increase from **100,000 won to 250,000 won**, significantly impacting public offerings.
* 🏡 Public sales applications are available for non-homeowners, with specific conditions based on the size of the property; properties **under 40 square meters** require a **three-year non-homeowner status**.
* 💵 The interest rate for subscription savings accounts will rise to **3.1%**, enhancing the benefits of **regular contributions**.
* 🔄 The previous subscription deposit and subscription savings accounts will merge into a **comprehensive housing savings account**, allowing participation in both **public and private sales** starting from **November 1, 2024**.
* 📈 Year-end tax adjustments will recognize a **higher deduction amount of 3 million won** for the comprehensive housing savings account, up from **2.4 million won**.
* 👶 Minors aged 14 and older can now contribute, but only **100,000 won per month** will be recognized until they turn 19, after which they can contribute **up to 250,000 won**.
* 🏢 Individuals in Gyeonggi Province who joined a subscription savings account 20 years ago can switch to the **Seoul private special account** without changing accounts, although **previous account history will not be recognized**.
* 💡 It is advisable for long-term contributors to **maximize their deposits to 250,000 won** to enhance their chances of winning a public offering while considering private offerings or pre-owned apartments as alternative options.

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