<p>2022 청년희망적금 21일 오늘부터 요약 내용</p> <p> </p> <p> </p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">청년희망적금 요약 글 [펌]</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">2022 청년희망적금 신청 자격조건</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> </p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">나이 만 19세부터 34세까지 (87년2월22일 이후 출생자) 가입이 가능합니다.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">단, 군대를 다녀오셨다면 최대 6년 인정이 됩니다.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">즉, 군대를 다녀오셨다면 나이가 36살이어도 가입이 가능하다는 의미.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">그리고 청년내일채움 공제, 저축계좌, 두 배 희망통장 등 기존에 가입해 있더라도 가입 신청이 가능함.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">2022 청년희망적금 신청 가능한 소득</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> </p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">2021년 1월 ~ 12월 총 급여가 3600만 원 이하여야 하고 종합소득은 2600만 원 이하여야 합니다.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">다만, 직전 3개년도 중 1회 이상 금융소득종합과세 대상자라면 제외 대상이 됩니다.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">어떤 혜택을 받을 수 있을까?</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> </p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">월 50만 원 한도 내에서 자유롭게 납입할 수 있으며 만기 기간은 2년입니다.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">그리고 시중 이자와 저축 장려금을 지원하는데 저축 장려금은 1년 차 납입금액의 2%를 그리고 2년 차에는 4%를 받을 수 있으며 최대 36만 원을 받을 수 있습니다.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">또한 비과세 부분에서도 일반 적금 만기 시에 이자소득에 대해 이자 소득세+농어촌특별세가 과세되어서 15.4%를 빼고 받게 되는데 청년희망적금은 비과세를 적용받을 수 있습니다.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">은행별 금리</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">위 은행들은 기본 금리 5%이며 은행별 우대 금리로는 농협, 신한, 국민 은행이 최대 +1%를 더 줍니다.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">최대 12만 정도에 해당하는 이자인 거죠.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">그리고 우리 +0.7% , 하나 +0.7% , IBK 기업 +0.9% , DGB 대구 +0.5% , BNK 부산 +0.5% , 광주 +0.2% , 제주 +0.5% , 전북 +0.2%</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">농협 우대조건을 보시면 급여 이체 + 카드 월 이용 실적 등이 걸려 있으니 잘 고려하시기 바랍니다.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> </p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;">신한은행의 경우 우대금리 조건이 신한 인증서를 받으면 연 0.20% , 머니 버스 가입 후 금융자산 1개 이상 연결하면 연 0.30% , 소득 이체 실적 50만 원 이상 입금 시 연 0.50% , 기존 적금을 신한에 들지 않은 상태 즉 신규 고객이라면 0.50%라는 우대조건인데 가장 쉬운 조건입니다.</p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> <br></p> <p style="margin-bottom:10px;color:#333333;font-family:'helvetica neue', helvetica, arial, 'apple sd gothic neo', 'malgun gothic', dotdum;background-color:#ffffff;"> <span style="font-size:18px;">츨처 : </span><a target="_blank" href="https://infosearch.kr/2022-%EC%B2%AD%EB%85%84%ED%9D%AC%EB%A7%9D%EC%A0%81%EA%B8%88-%EC%8B%A0%EC%B2%AD/" target="_blank" style="background-color:transparent;color:#0000ff;font-weight:bold;"><span style="font-size:18px;">2022 청년희망적금 신청</span></a><span style="font-size:18px;"> </span><a target="_blank" href="https://infosearch.kr/2022-%EC%B2%AD%EB%85%84%ED%9D%AC%EB%A7%9D%EC%A0%81%EA%B8%88-%EC%8B%A0%EC%B2%AD/" target="_blank" title="새창으로 열기" style="background-color:transparent;color:#2a6496;"><span class="fa fa-external-link" style="display:inline-block;line-height:1;font-family:FontAwesome;font-size:inherit;"></span></a> </p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun Gothic', Dotdum;font-size:14px;background-color:#ffffff;"> </p> <p style="margin-bottom:10px;color:#333333;font-family:'Helvetica Neue', Helvetica, Arial, 'Apple SD Gothic Neo', 'Malgun 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