Now, for those who have joined a subscription account or are planning to join one, especially in the case of public offerings, there is a way to separate them. So, hello, this is Jebi. Previously, I posted a video stating that the subscription account deposit amount would be raised to 250,000 won, and many people watched it. This has now been officially implemented. Starting from November 1, 2024, the deposit amount for the subscription account will be increased to 250,000 won. What this means is that originally, for public offerings, the recognized deposit amount was only 100,000 won per month. However, this has now been raised. So, starting from November 1, it will be increased to 250,000 won. We need to consider what kind of changes this will bring about and how other specifics will change. Additionally, there were many comments on the video I posted earlier.

I wanted to create a video to respond to some of the comments. First, I will summarize the specific changes that are happening. There are some people who are a bit confused about the application process, so I will clarify that for you. Generally, we have two types of applications: public sales and private sales. Public sales can be applied for by those who do not own a home, provided they meet certain conditions. This also varies based on the area of the housing; whether it is less than 40 square meters or more than 40 square meters affects the conditions. If the housing is less than 40 square meters, you must maintain your status as a non-homeowner for three years. Additionally, having a higher number of applications in your housing subscription account is advantageous. However, for housing that is more than 40 square meters, the three-year non-homeowner status is the same, but the number of applications is considered differently.

No, I see the amount of money in terms of the non-refundable amount. However, that doesn't mean you can just put in as much as you want without limits. In the past, no matter how much money you contributed each month, only 100,000 won was recognized. But now, as of November 1, 2024, this will be increased to 250,000 won. They will recognize up to 250,000 won, so even if you contribute more, you will initially be acknowledged for 250,000 won each month. You need to be aware of this. 

Now, regarding private sales, we typically talk about special supply and general supply, right? There are these two categories. Special supply is for newlywed couples or those who meet certain conditions, while general supply is relatively more flexible. There are also lotteries and different rules involved. So, this increase applies to public sales for properties that are 40 square meters or larger, based on the recognized payment amount. It would be good to understand it this way.

And besides this, there are other changes. First of all, the second change is that the interest rate on the subscription savings account will be increased to 3.1%, which is higher than before. So, it's nice that the interest goes up while we are still putting money in every month. There’s that aspect. 

The third change is that originally, in the case of the subscription savings account, there was a subscription deposit. This subscription deposit could only be used for private sales. In the past, there was also something called subscription savings, which could only be used for public sales. There is a difference between the two. However, now they have been integrated into what is called the comprehensive housing savings account. This account allows for both public and private subscriptions. Starting from November 1st of this year, those who have the old accounts will be transitioned to this new account. This means that those who have this account can now participate in both public and private offerings, which is a good thing. However, it is important to be cautious during this transition.

There are some points to consider. First, the previous performance related to the account will no longer apply to those who have opened a new comprehensive housing savings account. This means that the benefits associated with the past account will be eliminated. Therefore, you should pay close attention to this aspect. 

Additionally, when we conduct year-end tax adjustments, there are income deductions. The amount recognized for the comprehensive housing savings account used to be 2.4 million won, but this will be increased to 3 million won. It seems there have been some improvements regarding the housing savings account.

Now, regarding the change to the youth savings account, many people have left comments on the video about the adjustment of 250,000 won. I would like to address some of the most frequently asked questions. One of the most common inquiries has been about the cutoff line for selection, which I previously discussed. If the cutoff line is...

The amount was 25 million won. If this amount increases to 250,000 won, wouldn't the winning cutoff line also rise? Yes, that's correct. Since this is relative, if I can invest more money, the cutoff line will naturally increase. So, I hope you keep that in mind.

Next, someone mentioned that they newly subscribed to the subscription this month and have been consistently putting in 250,000 won, but when they have extra funds, they want to pay in a larger amount, like 10 million won, to reduce the period. Wouldn't that be beneficial? However, that's not the case. As I mentioned earlier, no matter how much money you put in, the amount recognized each month is limited to 250,000 won. Therefore, even if you pay in 10 million won, only 250,000 won will be recognized each month, so the period doesn't change. 

Another question is...

For seven years, I have only paid the minimum amount of 20,000 won, but I recently realized that the amount is more important than the number of times I have won. Since I am currently a homeowner, should I start paying 250,000 won from now on, or is it better to aim for general sales instead of public offerings? 

First of all, for public offerings, it is required to maintain a period of three years without owning a home. However, since this person is already a homeowner, they do not meet that condition. Therefore, it would be appropriate for them to pursue general sales. If they meet the conditions for special supply, they can go for that, or they can aim for general sales. It would be best to set their direction accordingly. 

Another question is that they mentioned they joined the Cheongyang savings account a few months ago. They feel like it was too late to join, so they are asking if it would be better to give up on buying an apartment and instead purchase a villa.

This may be a question about real estate. If we have an apartment and a villa, and we ask where someone would prefer to live, they would almost certainly choose the apartment. There is such high demand for apartments. Villas, on the other hand, do not have that demand. Additionally, villas depreciate significantly, and it is very difficult to accurately assess their market value. It can be really hard to determine whether I am buying it at a high price or not. The important thing is that even if I want to sell it, it may not sell. There needs to be someone willing to buy it, and there may be fewer people willing to buy a villa than an apartment. In that regard, I still think it's better to purchase an apartment if possible. 

Now, regarding minors, originally, it was recognized that individuals aged 17 and older could make contributions. However, it is now said that those as young as 14 can also make contributions. This is a question about that.

Then, regarding whether minors can receive a monthly allowance of 250,000 won, the answer is no. In the case of minors, even if they start contributing from the age of 14, only 100,000 won per month is recognized. Therefore, from age 14 to 19, they are recognized for contributions of 100,000 won each month. After turning 19, they can again receive recognition for 250,000 won contributions, so they should contribute accordingly. 

However, the advantage of minors opening a subscription savings account is that if they continuously contribute from the age of 14, by the time they reach around 29 years old, they will have contributed for 15 years. When the contribution period for the subscription savings account reaches 15 years, they can receive the maximum points. This is quite beneficial, so if you have children, it would be great to set up a subscription savings account for them early on. 

Additionally, if you live in Gyeonggi Province and joined a subscription savings account about 20 years ago, you can change it without switching accounts to the Seoul private special account.

This is about the supply aspect. As I mentioned briefly earlier, currently, there is the comprehensive housing subscription savings account. Previously, there were separate accounts for subscription savings and subscription funds. The subscription fund is an account that can be used for private sales, while the subscription savings can be used for public sales. However, if someone wants to apply for a private sale in Seoul right now, they need to change their account to a comprehensive housing subscription savings account. Once they make that change, as I mentioned earlier, the new subscription will start from the date of the change to the comprehensive housing subscription savings account. The previous history will not be recognized; it will be erased. Therefore, I hope you will think more carefully about this aspect before making a decision. Today, it has been confirmed that the contribution amount for the subscription account will be raised to 250,000 won, and the effective date has been set for November 1, 2024. So, let's summarize that part.

I have organized some questions regarding the subscription savings account that you had inquired about previously. My thoughts on this matter are that if you have been contributing to the subscription savings account for a long time and find yourself in a favorable position, it is advisable to deposit up to 250,000 won as quickly as possible to increase your chances of winning a public offering. However, if you have just signed up for a subscription savings account or are planning to do so, especially for public offerings, there are ways to separate your options. In such cases, it might be better to consider private offerings or purchasing existing subscription rights, or looking into pre-owned apartments as alternative methods. Personally, I have never won a subscription lottery. Whether or not I win is something beyond my control. In terms of subscriptions, it’s about how long I intend to keep contributing.

Set a specific deadline, and if I don't win by that time, then I think it would be great to consider other methods for home ownership, such as upgrading to a better location. I hope what I shared today has been helpful to our viewers. See you next time! Goodbye!

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