There have been many economic changes since Korea became one of the advanced countries. Food and clothes necessary for sustaining a life are not problems any more for most Koreans. GDP per capita has greatly increased and now “leisure” is the crucial keyword these days. However, even though all the conditions seem to have been fulfilled for a fertile society, there is one chronic problem that has not yet been solved: housing. The amount of apartments and housing facilities has increased, but having my own house is still too difficult to achieve in this country. Considering this situation, it is recommended that from the time they are undergraduates, students need a good strategy to prepare to have their own house. To assist with this, the Pharos will introduce the concept of “apartment subscription,” probably the best policy to adopt in order to prepare to have your own house.

It is pretty simple to make an apartment subscription deposit. every major bank has these accounts and the deposit amount does not make a have big difference. Therefore, if you already have an account at a major bank, you can open housing subscriptions account at the bank. Registration can be done online. Registration is important, but how to manage the account is more important because how you manage the account decides whether you are chosen or not. The most important conditions for NH qualification is ‘more than a year of duration of the policy and more than 12 payments.’ NH only allows 100,000 won per payment. For PBH, ‘more than a year of duration of the policy and more than standard PBH deposit amount’ are crucial conditions to meet. The distinctive point is NH considers the number of payments. This means constant payment is the key for NH selection.

In fact, given the current cost of apartment, it is still difficult to purchase my home through apartment subscription. However, if one does not havevan apartment subscription deposit account, it seems impossible to buy a home even with a loan. In order to make the wish of having your own home come true, you must open an apartment subscription deposit account when you are an undergraduate. The real estate policy keeps altering and the cost keeps increasing. Be prepared.

71st Reporter•PARK SINUI•dean0305@naver.com