Housing Subscription Score Checklist (As of Sept. 2026)

A checklist of the items people commonly miscalculate in housing subscription scoring, including years without a home, dependent count, and subscription account tenure.

A housing subscription score sounds like something a calculator should spit out instantly, but in practice the answer often shifts depending on which point in time you use as the reference and how your household is structured. How far back to count years without owning a home, whether parents or children count toward your dependent count, and how long your subscription account has actually been recognized as active can all be interpreted differently, which makes the score easy to get wrong. In competitive private-housing general supply, a one- or two-point gap can flip the outcome, so glossing over any item carries real risk.

This list, current as of September 2026, pulls together the points people commonly miscalculate in the housing subscription scoring system. Cases of applicants stretching an ambiguous item in their favor, only to get disqualified during document verification after winning, come up repeatedly — so the goal here isn't to hand you an exact score but to flag what's worth double-checking.

How to use this checklist

Start with the highest-weighted items (years without owning a home, dependent count) — errors here move the score the most
Don't settle household-composition questions from a resident registration copy alone; cross-check against the official listing notice
Items like tiebreaker rules and the score-vs-lottery ratio vary by region and supply type — verify them in the specific listing notice
When an item is ambiguous, score it conservatively and confirm the final answer through the official Cheongyakhome portal and the listing notice

Subscription rules change often and vary by region and housing type, so always re-check the latest standards on Cheongyakhome and the relevant listing notice before applying — this article does not guarantee a winning result.

Calculating years without owning a home

This is the highest-weighted item in the scoring system, but it doesn't automatically credit every year you've gone without owning a home. Recognition depends on your age, marital status, any past homeownership history, and how your household is structured, and it's generally judged as of the listing notice date. If you've bought and sold a home before, or if your spouse has an ownership history, the calculation can get tricky — when in doubt, score it conservatively based on Cheongyakhome's guidance and the listing notice.

Determining dependent count

This item can create a large point swing, but a spouse, child, or parent isn't automatically counted. You need to check separately whether they're registered on the same resident registration, how long you've actually supported them, their age, and their marital status. Counting a parent typically requires them to have been registered on the same household for a meaningful period, and whether a child counts can depend on their age and marital status — cross-check your family relationship certificate and resident registration against the listing notice's criteria item by item.

Subscription account contribution period

This sounds simple to check, but the score can shift depending on the account type, when you opened it, any history of converting from another product, and how periods contributed while a minor are recognized. Pull the exact opening date and payment history from your banking app or Cheongyakhome, and check the scoring criteria separately from your first-priority eligibility. If you switched to a Youth Housing Dream subscription account, also confirm how much of your prior contribution period carries over.

Household-head status and household composition

Whether you're the registered head of household can affect your eligibility to apply or your chances of winning, depending on the region and regulatory status. Some listings allow applications even if you're not the household head, but in others it matters a great deal, so if you're considering changing your household-head status, first check whether you need to meet that requirement before the listing notice date. Even if you and your spouse are registered as separate households on paper, subscription rules sometimes treat you as one household, so don't assume based on the registration copy alone.

Regional residency and priority supply

Even with a high score, failing to meet a region's priority-supply requirement can change the competitive landscape entirely. Popular regions often set aside a share of units for applicants who've lived there for a set period, so check your move-in date and continuous residency, and see in the listing notice whether you can apply under the general (non-priority) region instead. Keep in mind that the same score can face very different competition depending on which region you apply under.

Tiebreaker rules

When scores are tied, how priority is broken can be set differently depending on the supply type and the specific listing. Which factor is used as the first tiebreaker should be checked in the listing notice's winner-selection method, and tie situations tend to widen for unit types with higher competition ratios. Age (oldest first) or dependent count are commonly mentioned as tiebreakers, but since the exact rule can vary by supply type, always confirm the specific criteria in the relevant listing notice.

Score-system vs. lottery ratio

Not all general-supply private housing units are allocated purely by score. The score-versus-lottery ratio can vary depending on unit size, location, regulated-area status, and supply-type combinations, so a low score isn't necessarily a reason to give up — it's worth checking whether a lottery portion exists. That said, lottery allocations can carry their own sub-criteria, such as priority for those without a home, so check the listing notice separately.

Disqualification risk cases

The riskiest mistake in housing subscription scoring is inflating your score beyond what you can actually support. Overstating your years without a home, including an ineligible family member as a dependent, or misjudging your residency period can get you flagged during document review after winning. Getting caught doesn't just mean losing the win — it can also bar you from applying to other listings for a period, which makes the downside significant. Score ambiguous items conservatively, and check with the developer or a subscription help desk before applying.

How to check

Start with the highest-weighted items first: No. 1, years without owning a home, and No. 2, dependent count. Errors in either can swing your total score significantly, so if you're unsure, confirm through Cheongyakhome's help desk or the listing notice before finalizing your numbers. Also remember that items like household-head status (No. 4) and regional residency period (No. 5) can affect your eligibility to apply at all, not just your score, so screen for eligibility before worrying about points.

Even if you're confident every item is calculated correctly, cases like the one flagged in No. 8 — getting caught at the document-verification stage — keep happening. Score ambiguous items conservatively and confirm with the developer or subscription help desk before applying. This information reflects the time of research and may change as rules are revised, so check Cheongyakhome for the latest standards.

Frequently asked questions

When does the "years without owning a home" clock start?

It's generally judged as of the listing notice date, but recognition can vary by age, marital status, and any past homeownership history. Confirm the exact calculation through Cheongyakhome's guidance and the relevant listing notice.

Can I count my parents as dependents?

It's possible under certain conditions, but requirements like how long they've been registered on the same resident registration or how long you've supported them often apply. Rather than assuming, check your family relationship certificate against the listing notice's criteria.

What happens if I miscalculate my score?

If document verification after winning finds you exceeded the eligible score, you can be disqualified and lose the win, and you may also be barred from applying to other listings for a period. Score ambiguous items conservatively and confirm through official channels before applying.

Can I apply under both the score system and the lottery at the same time?

It depends on the supply type and how the unit allocation is structured. Even within the same unit type, score-based and lottery-based allocations are often listed separately, so check the allocation breakdown and application method in the listing notice before applying.

Who should I ask when my score calculation is unclear?

The Cheongyakhome customer center or the subscription help desk at the developer or sales office is the most reliable source. Online community posts reflect individual circumstances and should be treated as reference only, not a final answer.

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How to use this checklist

Calculating years without owning a homeUpvote

Determining dependent countUpvote

Subscription account contribution periodUpvote

Household-head status and household compositionUpvote

Regional residency and priority supplyUpvote

Tiebreaker rulesUpvote

Score-system vs. lottery ratioUpvote

Disqualification risk casesUpvote