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Delivery time2023-03-30 10:59
The product structure of ‘Smile Dream Savings’, a specialized product for low-income and vulnerable groups, has been improved, allowing interest of up to 10% per year.
The Korea Inclusive Finance Agency announced on the 30th that from the 31st, product conditions will be improved, including expanding the monthly subscription limit for Smile Dream Savings and adding preferential interest rate benefits.
Smile Dream Savings, jointly operated by the Korea Inclusive Finance Agency and commercial banks (Kookmin, Hana, Shinhan, Woori, and Enterprise), is operated for low-income, faithful repayers who have been using debt adjustment programs such as the Credit Recovery Committee without delinquent payments for more than six months.
(Seoul = Yonhap News) Reporter Lim Soo-jeong = The product structure of ‘Smile Dream Savings’, a specialized product for low-income and vulnerable groups, has been improved, allowing interest of up to 10% per year.
The Korea Inclusive Finance Agency announced on the 30th that from the 31st, product conditions will be improved, including expanding the monthly subscription limit for Smile Dream Savings and adding preferential interest rate benefits.
Smile Dream Savings, jointly operated by the Korea Inclusive Finance Agency and commercial banks (Kookmin, Hana, Shinhan, Woori, and Enterprise), is operated for low-income, faithful repayers who have been using debt adjustment programs such as the Credit Recovery Committee without delinquent payments for more than six months. The key is to add a subsidy equal to the bank interest at maturity.
With this product reform, the monthly subscription limit has been increased from 100,000 won to 200,000 won.
A preferential interest rate of 1.0% point was also added upon maturity termination.
Accordingly, if you save 200,000 won per month with a maturity of 3 years, the preferential interest rate is added to the basic interest rate of 4.0% per year, giving an interest rate of 5.0% per year.
Adding to this the same amount of interest subsidy from the Korea Inclusive Finance Agency, you will be paid interest of approximately 970,000 won (about 10% annual interest rate).
[Provided by the Korea Inclusive Finance Agency]
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2023/03/30 10:59 Sent
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