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Smile Dream Savings is a product that supports asset formation in order to establish a foundation for economic independence for the common people. It is a savings account that can be subscribed to by those who are faithful to microfinance and debt adjustment. If you save 200,000 won per month, you can receive interest equivalent to 10% per annum, including 5.0% bank interest and 970,000 won interest subsidy from Savings Fund at maturity of 3 years. You can apply through the Korea Inclusive Finance Agency app, so I will leave a link below.
Sign up for Smile Dream savings account
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Learn about the conditions for signing up for the 10% annual interest rate benefit for faithful repayers of MisoDream Savings Savings.
✅ Smile Dream Savings is a free savings product with a subscription amount ranging from a minimum of 10,000 won to a maximum of 200,000 won per month, and the subscription period is at least 1 year and up to 5 years. Please note that the Seogeumwon subsidy is provided for a maximum of 3 years and for amounts less than 500,000 won.
✅ In the case of faithful borrowers of microcredit, those who are regular users as of the date of application among microcredit loan users (unable to use if even one case is more than 1 day overdue), are in the next lowest class or below, are eligible for work incentives, and are eligible for self-reliance funds for vulnerable groups (single-parent families) , grandparents, multicultural family heads, North Korean defectors, registered disabled people, residents of special disaster areas, etc.) can apply.
✅ In the case of patients who have faithfully repaid their debts, among credit recovery committee and National Happiness Fund debt adjusters, 6 months have passed since the date of finalization of the debt repayment plan (contract conclusion date), and among patients who have faithfully repaid their debt 6 times or more, applicants can apply if they are in the next highest class or lower.
📌 Please note that as of the date of consultation, those who are currently in transit or have completed the purchase, those who have repaid the above products, or those who are existing Smile Dream Savings Account subscribers are excluded.
Sign up for Smile Dream savings account
✅ Since the Savings Fund support is only provided for up to 3 years, if you save 200,000 won per month at the end of 3 years, you will be able to receive about 970,000 won in interest equivalent to 10% per year, which includes bank interest worth 5.0% and Savings Fund interest subsidy.
📌 A preferential interest rate of 1% is applied at maturity, and the early cancellation interest rate of each bank is applied when canceling early.
✅ You can apply for Smile Dream Savings by visiting the branch counter of five banks (Woori, Shinhan, Kookmin, KEB Hana, and Industrial Bank of Korea) and through the Korea Inclusive Finance Agency app.
Sign up for Smile Dream savings account
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