There are a lot of new things to pay attention to when you start your social life.
Financial technology is one of them.
The beginning of financial technology is to raise a lot of money
The beginning of collecting a lot of money is installment savings.
At this time, it will be important to find installment savings that are good for me and have high interest rates.
In this post, we will talk about installment savings that are more recommended for beginners in their 20s.
Installment savings recommended for beginners in their 20s
We recommend products aimed at the MZ generation who are familiar with simple payments and non-face-to-face transactions.
We chose products that are easy to open online and have high interest rates even though there are no conditions for credit card use at preferential interest rates.
▶ NH 1934 monthly installment savings
This product is aimed at the MZ generation who are familiar with simple payments and non-face-to-face transactions.
If you apply the preferential interest rate, you can see a high interest rate of up to 5.85.
For the first 12 months, the interest rate is 2.35%
If the preferential conditions are met from 13 months to 24 months, an interest rate of 5.85% will be applied.
The preferential conditions are also simple: ‘Use as a salary and deposit account, use a bank app.’
Nonghyup Savings (Source: Nonghyup)
● Terms of accession
Target: Individuals and individual businesses aged 19 to 34 (one account per person)
Amount: 10,000 won to 500,000 won (monthly)
You can sign up through the Internet and smart banking without visiting
Period: 6 months to 24 months
Preferential conditions: Use as a salary and deposit account, and use a bank app
Interest rate: 2.35% (first 12 months) ~ up to 5.85% (13-24 months available)
● Strengths
500,000 won per month, up to 24 months
an easy-to-meet preference
▶ KB My Fit Installment Savings
The product I’m going to introduce this time is KB My Fit Savings released by KB Kookmin Bank.
There must be many people who are the main bank of Kookmin Bank.
The interest rate is 2.80%, up to 4.40%, which is lower than the product I explained earlier.
It can be up to 12 months.
● Terms of accession
Target: Individual and individual businesses aged 18 to 38 (one account per person)
Amount: 1,000 won to 500,000 won (monthly)
You can sign up through the Internet and smart banking without visiting
Period: ~12 months
Preferential conditions: deposit and withdrawal account, salary, card, utility bill, use of bank app, first transaction
Interest rate: 2.80% (12 months), up to 4.40% (12 months)
● Terms of preferential interest rate (up to 1.6% per annum)
If the number of months of regular import performance occurs more than 8 times in the KB Myfit account during the installment savings contract period: 0.3%
During the two installment savings contract period, KB Kookmin (credit/BC) card (excluding KB Kookmin Check Card) payment withdrawal performance (including cash services) or LiivM communication fee payment performance occur more than 8 months: 0.3%
3 If both of the following conditions are met as of the end of the following month of the new installment savings month, open banking other financial account registration ‘[Select] Consent to collect and use personal (credit) information (product service guide, etc.)’ Agree: 0.3%
If the customer who first registered customer information with KB Kookmin Bank during the previous six months, including the new date of installment savings, has more than eight months of regular income from KB Myfit’s account during the installment savings contract period: 0.7%
If there is a history of terminating the KB Soldier Tomorrow Reserve or KB Armed Forces Desired Reserve during the previous six months, including the new date of installment savings, 첫 It is not provided in duplicate with the preferential interest rate for the first transaction: 0.7%
To sum up,
Maximum annual preferential interest rate of 0.6% when regular profits and expenses are made -> used as a salary and deposit account
First transaction or termination of military installment savings -> preferential interest rate of 0.7% per year
You will receive.
● Strengths
500,000 won per month, up to 12 months
4.40% higher interest rates are immediately applicable if preferential interest rate conditions are met
The basic interest rate is 2.80%, which is high
● a drawback
strict preferential interest rate conditions
an easy-to-meet preference
conclusion
Both KB My Fit installment savings and NH 1934 monthly welfare savings are convenient to subscribe to
It is a positive product in that you can make a habit of collecting money for a short period of time.
Recently, due to high interest rates, banks often release good special products, so please sign up for one
If you get a good product, we recommend you to sign up additionally.
Under the Depositor Protection Act, up to “up to 50 million won” can be protected, including principal and prescribed interest per person.
I’m rooting for the financial techniques of beginners in society.