For most of the studies on the financialization of Korean households have focused on verifying the existence of the phenomenon itself, those studies has failed to analyze the actual path and patterns of financial integration. This study explores how past legacies, seemingly 'negating' household financialization, have created a mixed channel for financial connections. In particular, the housing sector has been a major interfering factor for the path and direction of household financialization. The interference of the housing system has led to the short-term housing investment process, which is based on ‘traditional’ housing finance, and the biased consumer credit allocation process, which derives from collateral- based loan supply structure, functions as important moments in household financialization. The financialization of consumption based on the receivables securitization has been added here, resulting in a deepening social imbalance in capital gain and its cost allocation. This paper interprets the recently intensified competition for social reproduction as the effect of this differential integration of finance.