주택연금은 돈을 빌리는 개념이라 이자와 보증료 등을 복리로 갚아야 하지만 연금형 희망나눔주택은 매각대금을 맡겨 이자까지 붙여 돌려받는 점에서 수령액이 약 2배 더 많다.
The concept of housing pensions is to borrow money, so interest and guarantee fees must be paid back in a compound manner, but pension-type Hope Sharing Houses pay about twice as much in that they are entrusted with the sale price and returned with interest.