Today, in the contents of the youth leap account and the youth hope installment savings청년도약계좌 일시납입 신청
I’m going to write an article about transfer-linked temporary payments
It’s time for the youth savings to end
The bank has an alarm about the young man’s leaping account
They sent me a lot!
So I’ll look for it, too
I’ll give some information to those who are looking for it
I’ll post it 🙂
What is a youth leaping account?
Source – Korea Inclusive Finance Agency
To support young people’s mid- to long-term asset formation
As a policy-type financial instrument,
For a maturity period of 5 years (60 months)
Within the limit of 700,000 won per month (10,000 won to 700,000 won)
If you pay freely
It pays a government contribution of 6% every month
I’m going to give you a tax-free benefit on interest income
It’s a product that we offer.
Contents of Kookmin Bank’s Youth Leap Account
In the case of Kookmin Bank’s youth leap account, the interest rate is
It’s 4.5% to 6.0% per year
From three years after the date of subscription (last two years)
The final interest rate may change.
The basic interest rate is 4.5%, and the preferential interest rate is
✅ Salary transfer 0.6%
✅ 0.3% automatic payment
✅ Transaction audit 0.1%
✅ Income Plus 0.5%
It can fill up to 1.5% in total.
People who get paid by Kookmin Bank
I think you can easily meet the salary transfer
The automatic payment will be made by KB Live Youth Leap Plan
I can’t be bothered to open it, so I’m going to have to pay
I think you can do it with Kookmin Bank
Transaction audit also desired installment savings
If you’ve expired
I think you’ll be able to get it easily
Income Plus is less than 24 million won based on total salary
Only those with a total income of 16 million won or less
It’s something you can get… I don’t think you can get it.
So if you say there’s no income plus
with a 1% preferential interest rate
3 years at an interest rate of 5.5%
You can get it at a fixed rate.
lump sum payment
Subject to support
Until the expiration of Youth Hope Installment Savings
a young man who has maintained a young man’s escape account
a young man who meets the requirements for membership
Payment limit
Youth hope savings of at least 2 million won
Up to the amount received as maturity receipt
Payment method
Monthly set amount (40,50, 60,700,000 won) and
Select a temporary payment period to set the total temporary payment amount
→ After the end of the temporary payment conversion period
Start a new payment (free payment within 700,000 won per month)
*For example, 12.6 million won of the 10,000 fund will be paid in a lump sum
If you want to pay 700,000 won per month
18 months will be paid in conversion
I’ll wait for 18 months without paying
From the 19th month, within 700,000 won per month
You can make a free payment
Application for payment
To a financial institution that wants to sign up for installment savings
After applying for membership, the Korea Inclusive Finance Agency
on the youth leaping account website
Temporary payment application is completed only when temporary payment information is registered
< In the case of Kookmin Bank>
When the youth hope installment savings expire,
by the month following the month in which the maturity date belongs
After completing the application to join the youth leaping account
Installment savings for young people during the relevant installment savings period
Subscribe by making a temporary payment within the maturity payment!
<Precautions>
The total amount paid for two years from the date of subscription
It can’t exceed 16.8 million won
Additional payments are not allowed during the temporary payment period.
Also, if it’s not the youth hope installment savings that expire
The amount of temporary payment will be paid for the maturity of the youth’s wish installment savings
If exceeded, unpaid government contributions and
Payment will be suspended.
What are the advantages of transferring (linked) from youth hope savings?
The maturity amount from the youth hope installment savings account
The advantage of transferring to a youth leap account and signing up for connection is that
The government contribution plus interest
It means it gets bigger.
The government’s contribution to the maturity amount is also attached at the same time
The amount you can receive at maturity will be greater.
To put it simply, more money when it expires
It means you can get it.
For example, if you make a temporary payment and pay 700,000 won per month
Assuming you’re going to make a payment,
The profit that you can get at maturity is
It is estimated to be up to about 8.56 million won.
This means that if you subscribe to general installment savings of 8.19-9.47% per year
It’s said to be a level that you can get.
A summary for those who think it’s too complicated!
My expiration date is February 25th
If you think about it by my standards,
First, until February 16th, at Kookmin Bank
I applied for a youth leap account
On the youth leap account website until February 27th
Enter the temporary payment information
(From the Public Finance Agency to Reminder Talk)
If you send me an information link, I’ll go to the link
You can type it in
When the desired installment savings expires, after termination
You can open a leaping account!
It’s very simple to organize like this, right?
For more information, the Korea Inclusive Finance Agency
You can find it on the website.
If you go to the homepage, there’s a phone number
You can call and ask
There’s a link to an open chat room for young people
Go to the chat room and tell us what you want
I think you can get it 🙂