I’ve been waiting for it to be released
The Youth Leap Account Transfer Policy, which was finally announced
It was announced yesterday 청년도약계좌 일시납입 신청
A temporary payment calculator for a young man’s leap account
(24.01.26 Upload – Latest post after policy announcement)
jasminevista.com
Temporary payment of young people’s leap account vs new subscription vs other savings account comparison! Perfect calculation! (attached to Excel file)
Phew, I wanted to upload it a little faster. I was a little late because I was trying to make it here and there. It’s hot. My friends these days are also…
blog.naver.com
I’m so curious 
I called the low-income financial call center and asked
Can I transfer the youth hope savings to a youth leap account? (Content of inquiries from the Commonwealth Financial Call Center)
The maturity of the youth hope installment savings account is just around the corner! >> How to subscribe to the youth hope installment savings account in 2022 <<Subscribe in 2022…
blog.naver.com
I’m not really sure why you’re pushing this
This isn’t even a transfer relationship
What do you mean transfer savings? I’ve been living a lot of things. ^_^
First of all, the youth leaping account has been pushed by the government since last year
One of the policy projects for the formation of youth assets.
Encouraging membership while continuing to improve the system.
The details of the youth leaping account changed in 2024
① Allow parental leave to join
You can join if you have parental leave benefits and allowances
② Rationalization of non-taxable income standards
If the previous year’s income is not determined, tax exemption is judged based on the previous year’s income
The improvement of the account for young people’s leap forward in 2024 is expected to be
① Non-taxable benefits are provided even if the subscription is terminated when subscribing for more than three years
→ However, under the Enforcement Decree of the Restriction of Special Taxation Act
Reasons for special suspension of cancellation, if applicable, maintain tax-free benefits
② In the event of an intermediate termination due to marriage or childbirth,
Maintenance of government contributions and tax-free benefits
→ Reasons for special suspension:
Marriage, childbirth, retirement, closure of business, first-time home purchases, etc
③ Temporary payment of young people’s leap account
Youth Hope Savings Expiration Receipt
Allow temporary payment into youth leap account
Among them, the main contents of this posting are,
It is related to the temporary payment of a youth leap account.
In the end, this is a transfer from a youth hope savings account to a youth leap account!
It can also be said that.
Transferring to a youth leap account (temporary payment)
Some or all of the amount received from the Youth Hope Savings
It is to make a temporary payment to a young man’s leap account.
How much money do you pay in a lump sum for how long!
This was the biggest question,
Yesterday’s announcement somewhat resolved this question.
I made it into one sheet
Guidelines for Transferring from Youth Hope Savings to Youth Leap Account
(Please understand at once)
Now let’s open it one by one.
Amount that can be paid in a lump sum by the youth desired installment savings
To transfer from Youth Hope Savings to Youth Leap Account,
the amount of lump sum payments
Within the maturity of the youth hope installment savings
It should be set at least 2 million won.
If the maturity amount of the youth hope installment savings is 5 million won,
Only up to 5 million won can be paid in a lump sum.
If you have decided to make a temporary payment with the maturity amount of 5 million won,
The monthly payment can only be selected as 500,000 won.
In other words, temporary payments can only be made in multiples of monthly payments.
When the maturity amount of the youth hope installment savings is 5 million won
If I want to set a monthly payment of 700,000 won,
You can pay up to 3.5 million won in a lump sum,
The temporary payment period is five months.
Thanks to a nice angel’s comment
I found out I did the multiplication wrong!
(2024.02.13. Revised)
When the maturity amount of the youth hope installment savings is 5 million won
If you want to set a monthly payment of 700,000 won,
You can pay up to 4.9 million won in a lump sum,
The lump sum payment period is 7 months!
No, Gugudan… Gugudan… Why did he do it like this?
ㅠㅠ죄송 I’m sorry for the confusion……..
Here’s the question!
Among the maturity of youth hope installment savings
I want to pay 10 million won in a lump sum!
Maximum amount of temporary payment by monthly set amount and
How long is the temporary payment?
① 400,000 won per month → 10 million won / 25 months
② 500,000 won per month → 10 million won / 20 months
③ Monthly set amount 600,000 won → 9.6 million won / 16 months
④ Monthly set amount 700,000 won → 9.8 million won / 17 months
Method of Calculation of Temporary Payment Period for Youth Hope Savings
The maturity amount of the youth’s hope installment savings
I heard you’re going to make a temporary payment into a young man’s leap account
The period of subscription to the youth leap account is not reduced.
The maturity of the youth leap account is the same for 5 years (60 months),
The amount of the temporary payment of the youth’s wish savings
Calculate the period of conversion payment divided by the monthly payment amount.
In other words, the maturity amount of the youth hope installment savings of 12 million won
Assuming that a young person makes a temporary payment into a leap account,
If you set the monthly amount at 500,000 won
12 million won ÷ 500,000 won = 24 months
being considered to be making payments while.
To make this period easier to calculate,
The amount of the lump sum payment
I think I set it as a multiple of the monthly set amount.
In the end, due to the temporary payment of the youth hope installment savings
During the period considered to be transferred to the youth leap account
Payment cannot be made to the youth leap account during this period.
During the temporary payment period
I don’t have the right amount to pay, so can I think of it as a deposit?
A method of calculating government contributions for young people’s leap forward accounts
Even if you make a lump sum payment for youth hope savings,
The government’s contribution is
It is the same as the existing youth leap account’s contribution payment structure.
The structure of young people’s contributions to the leap forward account
on a gross salary or aggregate income basis
The contribution payment limit and the contribution matching ratio are applied differently.
In other words, when the total salary is less than 24 million won
The monthly set amount of the temporary payment of the youth’s desired installment savings
Even if you choose 700,000 won per month
Since the contribution payment limit is 400,000 won,
You can only get up to 2.4 million won in contributions!
The advantage… can be said,
During the temporary payment transition period, regardless of the results of the maintenance review
The fact that the matching ratio remains the same?!
When I first signed up, my total salary was 24 million won,
Even if it exceeds 24 million won after that,
It means that the contribution payment limit remains unchanged.
But after the transition period
According to the most recent maintenance review results
Note that the matching ratio is determined accordingly!
That was the basic explanation!
What’s important is that after the youth hope installment savings expires
Transfer to a youth leap account, i.e.!
Linked registration procedures and schedules!