An increase in the base interest rate, which seems to be news heard every day. And the tunes of the media that follow soon after..
In fact, as of yesterday, the base interest rate was raised to 3%, causing a stir in the market. As the base interest rate has risen, various methods of investment are appearing. One of them is to take out a loan at a low interest rate of 1-2%, such as a mortgage loan, and invest it in a bank’s 4-5% high deposit or installment savings account to raise about 3%. It is a way to aim for the difference. It makes me think that the world is wide, there are many ways to invest, and there are so many great people.
Anyway, the reason why this type of investment method is increasing is because not only the loan interest rate that banks are competitively raising, but also the deposit interest rate is also the same. 케이뱅크 플러스박스 즉시 이자받기
K Bank Code K Term Deposit
It seems that only yesterday I wrote that Woori Bank has a 4.54% deposit, but now K-Bank has a 4.6% deposit.
Usually, there are various preferential conditions to meet such high interest rate conditions, but anyone over the age of 17 can sign up without visiting the K-Bank Code K term deposit without any special conditions, and the period can be set from 1 month to 36 months. .
There is no special preferential condition, but different interest rates are applied depending on the subscription period,1) 2.8% for one month or longer.
2) 2.9% for more than 3 months
3) 4.1% for more than 6 months 이베이스 매뉴얼
4) 4.6% over 12 months
5) 24 months and 36 months or more are applied at 4.3%.
How to use prepayment deferral and how to use prepayment deferral calculator
What is prepayment deferral? How to use the prepayment deferral calculator Prepayment, one of the new investment methods I learned while reading the news yesterday…
Some people sometimes mistake a deposit as a form of installment savings, but when you decide to make a deposit for the first time, you have to fix the period and tie it up, so the interest rate is fixed from the moment you first put it in. The difference between savings and installment savings has been detailed in the above article, so please refer to it.
K Bank Code K Term Deposit: 4.6% How much interest?
In order to receive the highest interest rate, you must set it to 1 year, and since the interest rate is differentially applied depending on the period, you need to calculate it yourself to see which section is more profitable.
If I assume that I put 10 million won in a savings account, the actual amount after paying interest and tax for each period is as follows.
Since the highest period for which the maximum interest rate is applied is one year, when you put in a deposit of 10 million won per year, the pre-tax interest is 400,000 won, and after tax of 15.4%, the after-tax interest is about 389,160 won.
And the interest received when signing up for a deposit based on the depositor protection of KRW 50 million is KRW 2.3 million based on 4.6% per year, and the after-tax interest is KRW 1,945,800.
Compared to Woori Bank Won Plus deposits, if you put in a deposit for 1 year, K-Bank is more advantageous, and if it is more than 2 years, Woori Bank is much more advantageous.
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For reference, you can participate in K-Bank’s gift box event through the link above, so please refer to it 👍🏻
Banks have a lot of really high-interest special offers these days. Personally, I think up to 50 million won, which provides depositor protection, is the safest, and if you can afford to invest more than that, I recommend diversifying your investment by bank. Let’s just reduce this in the hopes that it will help with housekeeping 😊