hi^^ 청포도 청년적금
Today, we’re here on a special topic for people in their 20s. It’s about installment savings. I’m sure many people will start their social life and become interested in investment technology. So, in this session, we’re going to look at the installment savings products that we really want to recommend for people in their 20s.
If you’re thinking about which savings product to choose from your main bank, I think this post will be helpful today.
Recommendation on installment savings in your 20s
1) an account for a young man’s leap
The first installment savings I would like to recommend to people in their 20s is the Youth Leap Account. This installment savings account is a government-run financial product, and young people in their 20s can sign up if they meet the requirements. It is possible to trade at various banks, so you can sign up at the bank you usually use. If you add up to the preferential interest rate, you can get a maximum annual interest rate of 6.00%.
The biggest feature of the Youth Leap Account is that you can make about 50 million won when you combine the principal, subsidy, and interest. In addition, you can enjoy two benefits when you move from Youth Hope Savings to Youth Leap Account.
Benefits 1)
Of the government’s contributions for five years each month, one-time payments are made. For example, if a person who receives a minimum of 3 percent of the government’s contribution makes a one-time payment of 18 months, he or she will receive 378,000 won, equivalent to 18 months, 21,000 won.
Benefits 2)
If you pay 18 months at once, you don’t pay the installment savings for 18 months after transfer and then you can pay the installment savings again from the 19th month.
One thing to note in this regard is that the maturity does not decrease by 5 to 18 months, but only does not pay for 18 months, and the maturity is the same as 5 years.
Also, you don’t have to pay 18 months at once.
The minimum temporary payment starts at 2 million won, so you can apply for a temporary payment according to your situation.
You can apply for a youth leap account through various banks, and it doesn’t matter if you apply for a connection with a bank that signed up for the Youth Hope Installment Savings and another bank. However, you must apply by the next month of the month that includes the maturity date of the Youth Hope Installment Savings.
For example, if you are a February reporter, you must apply for a linked subscription by March, and if you are a March expiration, you must apply for a linked subscription in April.
Recommendation on installment savings in your 20s
2) Shinhan Savings Bank – Green Grape Youth Savings
The second installment savings in your 20s is Shinhan Savings Bank’s Green Grape Youth Installment Savings.
The characteristic of this installment savings is that the basic interest rate is 4.00% on a 12-month basis, which is quite high.
If you achieve automatic transfer, which is the preferential condition, you can receive an interest rate of up to 5.00%.
Subject to membership: Individuals aged 19 to 39 (based on Korean, date of birth)
Subscription period: 6 to 12 months
Subscription amount: 10,000 won or more to 300,000 won or less
How to save: Regular monthly accumulation formula
Annual rate: 5% (basic interest rate 4% + preferential interest rate 1%)
Depositor Protection: Protection up to KRW 50 million per person
How to sign up: Internet homepage, mobile app
Recommendation on installment savings in your 20s
3) Hana Bank – Salary Hana Monthly Bokri Savings
The third installment savings in your 20s is Hana Bank’s salary but monthly welfare installment savings.
This savings account is a high-interest savings account launched for young office workers under the age of 35. You can freely save up to 500,000 won per month within the limit of 10 million won per year. Please remember that new employees or retirees can receive the basic interest rate for new employees during the subscription period!
Target: Individuals or individual business owners with real names, but limited to one account per person
Subscription period: 1, 2, 3 years
Amount: More than 10,000 won to less than 3 million won to be paid in KRW units
Interest payment method: Expiration date and time payment formula
We provide preferential interest rates when re-depositing, and we also provide additional preferential interest rates when subscribing to online channels, so please refer to this.
Cho Gom Hana’s narrow-minded review
Today, we learned about the characteristics of each savings product along with the recommendation of savings for people in their 20s.
Among them, it would be good to choose the installment savings that best suits your situation and needs.
It is important to practice investment technology steadily rather than producing great results in a short period of time, so don’t feel too much pressure on taking the first step.
Find the most suitable financial product and take the first step in investment technology.