I joined Kookmin Bank’s Youth Hope Savings Savings Account.🙌🏻
I was concerned that I might not be in the first-come-first-served list of five sub-systems, but the government announced that it would expand the target of support so that all people who apply by March 4, the next month, can sign up. It is said that an additional supplementary budget is formed to increase support.
The 5 sub-system of Youth Hope Savings will continue until this Friday, and from the next week, February 28, anyone who is included in the program can join at any time regardless of the year of birth. 국민은행 빠른조회
I used Kookmin Bank’s Youth Hope Savings Savings Service and applied on the 5th sub-system application date. I will leave a review and the process of joining Kookmin Bank.
Kookmin Bank Youth Hope Savings
Anyone who meets the following conditions can join the Kookmin Bank Youth Hope Savings Fund. 이베이스매뉴얼
① 19 years old or older and less than 34 years old as of the new date
② The total salary of the previous year is 36 million won or the total income is 26 million won or less
③ Persons who are not subject to comprehensive financial income taxation under Article 129-2 of the Restriction of Special Taxation Act
The basic interest rate for Kookmin Bank’s Youth Hope Savings Deposit is 5%, and the preferential rate is up to 1%.
If you satisfy all three conditions below, you can receive an additional interest rate of up to 1%, resulting in a total interest rate of 6%.
In addition, if the savings account is maintained until the maturity date, a savings incentive of up to 360,000 won will be paid out by the government. (500,000 won per month, based on two-year payment)
preferential rate
Condition
0.5%p per year
Salary transfer results from the month including the new date to the month before maturity*
*Payroll transfer through payroll transfer or mass transfer contract with KB Kookmin Bank, top line, corporate internet banking, etc.
0.5%p per year
As of the new date, if it is the first transaction that does not hold a deposit or savings product
*Excluding subscription-related products such as housing subscription savings and subscription savings
0.3%p per year
In case the month in which the month including the new date was paid by direct debit from the bank account of KB Kookmin Bank to the month prior to maturity is 6 months or more
Since I have not opened a Kookmin Bank account because I am using my main bank as another bank, I can open a new one this time and get a preferential rate of 0.5%p for the first transaction.
If you set it to be automatically debited from the KB bank account and deposit 500,000 won each month on the day before it is deducted, you will receive a preferential rate of 0.3%p for automatic debit after 6 months.
Since the maximum interest rate is 1%, you will not receive 0.5%p salary transfer, but this condition itself is a condition that can only be satisfied if the bank of the company paying the salary is a salary transfer by KB Kookmin Bank, so our company does not fall under this category. leaving out!
Therefore, the KB Kookmin Bank Youth Savings
The final interest rate is 5% of the base rate + 0.8% of the preferential rate
= 5.8% in total.
I used a deposit calculator to calculate the interest I would receive from the Kookmin Bank Youth Hope Savings Savings Account. We plan to pay 500,000 won each month and save for 2 years (24 months).
Excluding 12 million won, which is the principal, plus interest and savings incentives, you will receive a total of 1,085,000 won in interest! The interest rate would be around 9%.
principal
12,000,000 won
Interest (tax-exempt)
725,000 won
savings incentive
360,000 won
Sum
13,085,000 won
If you deposit 500,000 won every month for 2 years, you will receive 1 million won (equivalent to 9% per year) in interest!
These days, neither the stock market nor the coin market have the power to do well, but with the idea of collecting investment and securing cash, I am diligently trying to save 500,000 won each month.
Join KB Star Banking Youth Hope Savings
I signed up for the Youth Hope Savings account on the KB Star Banking application through non-face-to-face.
It said that you can sign up from 9:30 am, so I went in as soon as I clicked, and a connection error popped up;
After waiting for about 10-15 minutes, the connection goes smoothly. I’ll leave a review with things to keep in mind when signing up.
① Withdrawal account registration
To sign up for the Youth Hope Savings Savings Account, you must have a Kookmin Bank withdrawal account.
As I am a new member, I opened a new account after February 8, but the withdrawal account did not open because I did not register the withdrawal account.
You can register by selecting the Register Withdrawal Account button under the account number on the main screen of KB Star Banking.
Direct registration is possible if ‘Internet registration/cancellation is possible’ in the right of withdrawal account registration. You can easily register by registering your account and entering your password.
② Enter account information after agreeing to the terms and conditions
Enter the subscription period, subscription amount, withdrawal account, automatic debit registration (important★), and automatic debit date of KB Youth Hope Savings Savings Account.
③ After checking the information, the registration is completed
Please check that the information you entered is correct, check the interest rate that applies to you, and complete your registration.
My first transaction preferential rate was applied and it was listed as 5+0.5%, and I think an additional 0.2% interest rate will be added if the direct debit performance is satisfied for more than 6 months. Check the details carefully and click Next to complete the registration.
So far,
This was a review of joining the KB Kookmin Bank Youth Hope Savings Savings Account.
I struggled a little at the beginning, but after about 10 minutes, when I signed up, it went smoothly. I have to pour hard for 2 years!
For those who sign up for Kookmin Bank, please check whether you meet the conditions for preferential interest rates and take advantage of more benefits.