A composite voice service terminal apparatus enables a user or subscriber to selectively use Subscriber Line Interface Circuit/Subscriber Line Audio processing Circuit (SLIC/SLAC), voice digital signal processor (DSP), processor, asymmetric digital subscriber line digital signal processor (ADSL DSP), asymmetric digital subscriber line analog front end (ADSL AFE), multiplexer (MUX) for outputting data to one of the channels from the digital tone generating unit and the voice digital signal processor, digital tone generating unit for including sources of a dial tone, ring back tone, busy tone, and guide tones of voice over Internet protocol (VoIP), voice over digital subscriber line (VoDSL), and voice over multi-service broadband networks (VoMBN), generating a tone corresponding to a selected mode, and transmitting the tone to the Subscriber Line Interface Circuit/Subscriber Line Audio processing Circuit through the multiplexer, and a relay switch to maintain an on state so that the user can use a general phone, and receive an off signal from the processor and interrupt a general phone line when the user has pressed a specific digit for digital network services.