청년도약계좌 신청방법 및 가입조건(feat.총정리) How to apply for a Youth Leap Account and conditions for joining (feat. Summary)

Interest rates are rising, and good deposit products are increasing accordingly.
The government follows this trend by providing more benefits for young people.
We are implementing a policy that can make a lot of money with high interest rates and support funds.
If you use the ‘youth contract account’, the government subsidy is added to the preferential interest rate
You can save efficiently, so if you fall under the conditions, it is beneficial to apply unconditionally!
It is not difficult to apply, so I will tell you in today’s post.
Take a good look at the subscription conditions, benefits, and application method, and use your personal assets wisely.

1. What is a Youth Leap Account?
The Youth Leap Account is a financial product supported by the government so that young people between the ages of 19 and 34 can make a lot of money. It is full of payments of up to 700,000 won per month, and it is a product that you must sign up for if you are new to society because you will have a lump sum of 50 million won at the end of 5 years.

 

청년도약계좌 신청방법

청년도약계좌 신청방법

 

Youth Leap Account

Youth Leap Account

 

2. Conditions for applying for Youth Leap Account
○ Young people between the ages of 19 and 34

○ Individual income less than 60 million won per year

○ Less than 180% of median household income

○ Young people with a certain income enrolled in employment insurance

 

As mentioned earlier, the Youth Leap Account can be signed up by young people between the ages of 19 and 34. As of 2023, you can sign up from 2004 to 1989. You can join the service up to the age of 36 after serving in the military for two years.

 

If these age conditions are passed, the income conditions must be met. Individual income must be less than 60 million won per year, and household income must be less than 180% of the median income. Personal income includes both business and earned income. These conditions are alleviated compared to the Youth Hope Savings Savings, so it would be nice to check the conditions again for those who have not joined the Youth Hope Savings Savings.

 

Civil servants can also sign up, but part-timers with unstable income or college students are not allowed to sign up. However, it is said that part-time workers who are enrolled in employment insurance can apply, so check my conditions carefully.

 

Youth Leap Account

Youth Leap Account

 

3. Youth leap account benefits
○ Payment period: 5 years

○ Monthly payment amount: 400,000 ~ 700,000 won

○ Government subsidy: 3~6% of the payment amount

○ Investment type: Choose from deposit type, bond type, and stock type

○ Interest: non-taxable, 3-year interest rate, 2-year variable interest rate

 

 

Amount received at maturity

The Youth Leap Account can be paid from a minimum of 400,000 won to a maximum of 700,000 won per month, depending on the size of individual income. Here, the government provides a subsidy of about 3-6%. In addition, it includes the interest of the bank itself, which accumulates for 5 years, so you can quickly collect money. It is also a feature that you can choose from a variety of options, such as stable deposit type and stock type, depending on your personal asset management style. Tax-free interest is applied, and a fixed interest rate is applied for up to 3 years after joining, and a variable interest rate is applied for the next 2 years.

 

Youth Leap Account Receipt Automatic Calculator.cell
0.01MB

 

4. How to apply for Youth Leap Account
You can apply for a youth leap account from June 2023, and the screening will be done non-face-to-face. Based on the date of joining, the condition maintenance review is conducted on a yearly basis. Individual income and household income are reviewed by side, and are considered based on the time of joining the household member. Application is available both on the website and in the app.

 

 

Youth Leap Account

Youth Leap Account

 

5. Youth leap account linked support
○ Youth Tomorrow Savings Account, Tomorrow Filling Deduction, and local government products can be overlapped

○ However, youth hope installment savings can be subscribed after maturity

○ Provision of related financial services

○ Discuss various measures to maintain maturity

 

Employment support products for young people working in small and medium-sized enterprises or various welfare products are allowed at the same time. Duplicate registration is possible for Youth Tomorrow Savings Account, Tomorrow Filling Deduction, and local government products. However, if you have signed up for the Hopeful Youth Installment Savings Account, you can sign up for the Youth Leap Account after it expires, so be careful. Even if young people urgently need to use funds, we plan to discuss various measures, including deposit-backed loans, with related organizations so that the product can be maintained until maturity. In addition, we plan to provide additional points for personal credit evaluation according to deposit payment details, preferential interest rates, and financial education and asset management consulting courses.

 

 

 

 

6. Comparison with Youth Hope Savings Savings
Sangpungmyeong Youth Leap Account Youth Hope Installment Savings
Applicants Young people between the ages of 19 and 24 (up to 6 years of military service not counted)
Management Method Installment Savings Select from Installment Savings Investment Management Types (Installment Savings, Stocks, Bonds, etc.)
Income conditions Individual income less than KRW 60 million &
Household Income below 180% of Median Individual Income Gross Wage below KRW 36 million
(or less than KRW 26 million in global income)
Payment amount Minimum 40 ~ maximum 700,000 won Maximum 500,000 won
Depending on the subsidy income category
3.0%, 3.7%, 4.6%, 6.0%
Monthly payment 1st year 2%, 2nd year 4%
payable at maturity
Maturity period 5 years 2 years
Whether or not tax is exempt

 

Youth Leap Account

Check the maturity amount of the 2023 Youth Hope Installment Savings

In the last post, I carefully checked the information on the Youth Leap Account, which will be held this June. Today, the 2023 Youth Hope Installment Savings Maturity, application group, which provides preferential interest rates and support funds to young people to help them raise money.

greentree28.com

7. Additional products
The youth income deduction long-term fund is a product that will be released sequentially from banks and securities companies from March 2023. This product is suitable for those who want to save money at a higher interest rate. Young people with a total salary of 50 million won or less can apply. If you continue to subscribe for more than 3 years, 40% of the fund payment amount will be deducted from income for up to 5 years.

 

There are various products for raising money for young people, so I hope you can take a look and find the product with the most advantageous conditions for you. There are many things that have a fixed subscription period, so you need to check the information quickly.

 

 

Youth Leap Account

Youth Leap Account

 

Youth Leap Account