Subscriber age: 30 years old

Housing price: 300 million won, 500 million won

Mortgage LTV: 30%, 50%, 70%

Mortgage loan maturity: 20 years, 30 years

Mortgage interest rate: 4% (20-year maturity), 4.5% (30-year maturity)

Mortgage loan pension plan contribution: 10% of repayments

Investment return: same as the mortgage interest rate

Housing price growth rate: 1%, 2%, 3%

Initial pension age: 65 years old