청약 예·부금 전환 기한 1년 연장…전환 즉시 최고금리 3.1% 적용

Translation

The Ministry of Land, Infrastructure and Transport said on 23 September that it is extending the deadline for converting older housing subscription accounts into the Housing Subscription Comprehensive Savings account by one year, from 30 September to 30 September next year, and will count the previous holding period when calculating interest, widening both the range of homes holders can apply for and their interest benefit. The conversion scheme, in force since October 2024, lets holders of 청약예금, 청약부금 and 청약저축 — which could only be used to apply for particular types of housing — switch to the comprehensive account, which can be used for both public and private housing. Where a holder could already apply for a type of housing with the old account, the existing holding period and payment record are recognised as they are; for types newly opened up by the conversion, only the holding period and payments made after the conversion count. The comprehensive account pays 2.3% to 3.1% a year depending on how long it has been held, with the top rate of 3.1% from two years. Until now, holders who converted had their interest calculated from the start of the comprehensive account and so reached the top rate only two years after converting; from now on the previous holding period will be recognised, so the top rate applies as soon as they convert. Holders of 청약예금 and 청약부금 can also choose any of the nine banks entrusted with the Housing and Urban Fund, not only their existing bank.