Overview

The National Housing Bond Calculator computes the mandatory bond purchase amount and the immediate resale discount cost when registering real estate in Korea. The purchase rate varies by property type, region, and standard market price. If you resell the bond immediately, you can preview the actual discount cost (the difference between face value and market price).

Formula

Bond Purchase Amount = Standard Market Price x Purchase Rate (%)
Purchase Rate: Tiered by property type, region, and price bracket
Discount Cost = Face Value x (1 - Discount Rate / 100)

Example: Standard price KRW 500M, Seoul housing, 5% rate → Bond KRW 25M
With 4% discount rate → Discount cost ≈ ~KRW 1M

How to Use

1. 1Enter the standard market price (or sale price) of the property.
2. 2Select the property type (apartment, detached house, officetel, etc.).
3. 3Select the location (Seoul, metropolitan city, other region).
4. 4Click Calculate to see the bond purchase amount and immediate resale discount cost.

Tips

• ✔Most buyers immediately resell the bond and only bear the discount cost. The discount rate fluctuates daily based on market interest rates.
• ✔Holding to maturity (5 years) returns the full face value plus interest, but your funds are locked up for the entire period.
• ✔The standard market price may differ from the actual transaction price. Check the official assessed price on the Ministry of Land's public price portal for accuracy.

FAQ