Time & Money

Verified Tool

Housing Pension Calculator

Estimate monthly housing pension payouts, upfront withdrawal capacity, and eligibility ranges from home value, ages, and payout type.

A quick estimator for housing pension monthly payouts. Actual enrollment depends on Korea Housing Finance Corporation rules, guarantee fees, rates, valuation, and preferential eligibility checks.

Home type

Official home value

KRW 10k

Owner birth dateAge 67

Spouse

Spouse age 66 · youngest age 66

Payout method

Lifetime plans prioritize lifelong payouts, so monthly amounts can be lower than fixed-term plans but often suit longevity-focused planning.

Estimated monthly payout

878만 / month

Home value

3억Official value input

Payout period

종신Lifetime or selected term

Upfront withdrawal

NoneMostly mixed / loan type

Youngest age

66Based on younger spouse

How to read this estimate

Estimated from owner 1958.06.15 and spouse 1960.03.10.

The base monthly estimate is about 878만 with a payout-mode multiplier of 1.00.

계산 결과는 공개 설명용 추정치입니다. 실제 월지급금은 한국주택금융공사 조건, 금리, 주택가격 평가, 보증료, 선택 방식에 따라 달라질 수 있습니다.

How to use this result

Housing pension planning is not just about one monthly number. The effective age base, home type, payout structure, and whether you need a mixed withdrawal or loan repayment option all change the shape of the result.

This calculator is designed as a fast screening tool. It helps compare lifetime, fixed-term, mixed, and repayment-oriented structures before moving to a formal consultation or official HF review.

Real monthly payouts depend on official valuation rules, guarantee fees, current rate assumptions, product revisions, and detailed eligibility checks. Use this page to narrow options, not to finalize a retirement contract.

Examples

Lifetime fixed

In3억 home, owner age 67, spouse age 66

OutEstimated lifelong monthly payout

Fixed term

In4.5억 home, younger spouse age 62, 20-year term

OutHigher monthly estimate for a limited payout period

Loan repayment

In6억 home with 1.5억 mortgage balance

OutLower monthly estimate with a larger upfront repayment allowance

Common questions

Q.Is this the same as the official HF calculator?

No. This page gives a directional estimate for comparison and planning. Final enrollment and payout figures must be confirmed through the official process.

Q.Why does the younger spouse age matter?

Housing pension products often use the younger eligible age in the household because the payout period expectation becomes longer when the younger spouse is included.

Q.Can I use this result for a contract decision?

Treat it as a first-pass estimate only. For legal, tax, mortgage, and retirement decisions, verify with the latest official standards and a qualified advisor.

Data handling notice

Reference calculation: this tool provides quick estimates from your inputs and common public formulas.

No server storage: calculation inputs are only used to display the result and are not stored by ZHS.

Verification required: legal, tax, payroll, real-estate, or financial decisions require current official sources and expert review.