카카오뱅크 자유적금2023. 2. 16. 16:37
Today, we learned about Kakao Bank’s free savings account. Due to the decline in parking account interest rates, it has become difficult to find products with a 4% interest rate. As interest rates are unlikely to rise again for the time being, it is a good idea to save money by signing up for a product that allows you to deposit for a long time and receive a high interest rate.
Kakao Bank Free Savings
Eligibility for subscription: Real-name individuals
Subscription period: 6 months – 36 months (can be specified on a monthly or daily basis)
Subscription amount: From 1,000 won to 3 million won
Interest payment: lump sum payment at maturity
Cancellation of division: possible
Split withdrawal: possible (maximum 2 times)
Depositor protection: up to 50 million won
Tax exemption: Yes
Free savings?
A savings account that can be freely deposited within the monthly payment amount of 3 million won. Even if the automatic transfer is set to 500,000 won, you can pay more if you have extra funds that month.
interest rate
Base interest rate
Preferential interest rate
0.20% per annum upon maturity termination after automatic transfer payment of more than 1/2 of the total number of contract months
However, preferential interest rates are not provided for principal and interest whose maturity is automatically extended.
By period/amount
Expected interest calculation
Kakao Bank Free Savings
Even if the interest rate is high, it is a good product to use if the preferential interest rate is difficult or you feel burdened by signing up for a savings product due to the burden of tying it for a long period of time.
Even if you have pledged to save money and need to withdraw it urgently, you can withdraw it mid-way, so it seems to be a good product for those who want to save a lump sum but are hesitant about their financial situation. That’s it for today’s post!
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