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1. If you pay 100,000 won per month for 12 months at 3.55% per annum, the pre-tax interest is 23,075 won
If seizure, attachment, or mortgage is registered on the account, the principal and interest payment will be restricted
– Subscription target: Residents aged 65 or older, persons with disabilities registered under the Disabled Welfare Act, persons with merit for independence and their bereaved families or family members, persons with disabilities under the National Meritorious Service Certificate, recipients of basic livelihood security, patients with Agent Orange-related diseases, and those injured in the May 18 Democratization Movement
※ ‘20.1.1. From the time of subscription (automatic re-deposit), if you are subject to comprehensive taxation on financial income at least once in the previous three-year tax period (annual total financial income exceeds 20 million won)”, you will be excluded from the subscription target through subsequent verification, and may be converted to general taxation in accordance with the procedures stipulated in relevant laws and regulations.
※ If the relevant tax law is revised, the tax rate may change or taxes may be imposed.
※ Interest after the expiration date of the contract period is taxed.
If a financial company violates the sales principles under the Financial Consumer Protection Act, the financial consumer may request contract termination within a certain period. The financial company must notify whether it accepts or rejects within 10 days, and if it rejects, it must notify you with the reason for rejection. Requests for cancellation of illegal contracts are possible within 5 years from the date of receipt of the contract documents and within 1 year from the date of learning of the illegal fact (cannot be exercised upon termination of the contract)
· Applicants: Senior citizens aged 65 or older, persons with disabilities, persons with national merit, recipients of basic livelihood security, patients with aftereffects of Agent Orange, persons with merit for independence and their bereaved families and families, persons injured in the May 18th Democratization Movement
· Information on income requirements for tax-free comprehensive savings
Those who subscribe to tax-free comprehensive savings after January 1, 2020 will be excluded from the subscription if at least one of the three previous taxable periods is subject to comprehensive taxation of financial income (the total annual amount of financial income exceeds 20 million won) pursuant to Article 88-2 of the Special Tax Exceptions and Restrictions Act, and may suffer disadvantages such as cancellation of tax-free comprehensive savings (conversion to general taxation) in accordance with the procedures stipulated in relevant laws. General taxation, corporate taxation – 15.4% of interest income (14% income tax, 1.4% local income tax)
※ Applied according to the changed tax rate when the relevant laws are revised.
Hanwha Savings Bank Compliance Supervisor Review No. 2024-80 (2024.08.13~2025.08.12)
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