Eligibility for Basic Pension in Changwon City

The couple in Changwon, with an income of 3.3 million won, is eligible for a monthly basic pension of 458,000 won.

### Eligibility for Basic Pension in Changwon
A couple in their 60s living in a 600 million won apartment in Changwon is seeking basic pension. Their income includes a 1 million won national pension and a 2 million won salary, with an additional 100 million won in a fixed deposit and a 10 million won sedan. The couple's eligibility for basic pension will depend on the regional deduction for Changwon City, the basic deduction for the national pension, the impact of the National Treasury's contribution, and the ownership of a 3,300cc sedan.

### Calculating Recognized Income Amount for a Client Couple
The recognized income amount is calculated by adding the income assessment amount (including national pension, interest income, and labor income) to the income conversion amount of the property. The income assessment amount totals 1,890,000 KRW, while the income conversion amount of the property is 11 million KRW, calculated from the general and financial property values. These two amounts combined give the recognized income amount for the client couple.

### Calculating Basic Pension Benefits for a Married Couple in 2014
The clients' couple is eligible for basic pension benefits as their recognized income is below the standard amount for a married couple household in 2014. The husband will receive 191,880 won monthly, with a 20% reduction due to National Pension linkage, while the wife, not enrolled in the National Pension, will receive 267,000 won monthly. Debts such as loans or cash services are fully deductible in basic pension calculations, including outstanding amounts from financial institutions and non-repaid borrowed funds.

### Recognition of Debts from Financial Institutions
Loans from financial institutions, including first and second-tier institutions, and registered loan companies, are always recognized as 100% debt, regardless of their purpose. However, short-term credit loans from credit card companies, negative balances, and card loans are not considered debts due to their easy accessibility and the potential for abuse. Unpaid credit card bills of 500,000 won or more overdue for more than three months are recognized as debts, but delays in credit loans or cash service payments are not considered debts.

### Deductions and Debts in Pension Calculation
Mutual aid association loans, agricultural land pension, and housing pension are recognized as debts in pension calculations. Personal debts confirmed by court judgment are also acknowledged, while security deposits for rent can be deducted up to 50% of the standard value. However, loan interest cannot be deducted as a debt, impacting the pension amount.

### Calculation of Basic Pension Eligibility and Debt Deductions for a Couple in Their 60s Living in Changwon
* 💰 The couple, born in 1959, owns an apartment in Changwon worth **600 million won**, a fixed deposit of **100 million won**, and receives income from the husband's national pension, a **monthly salary**, and a sedan worth about **10 million won**.
* 🏠 The assessed value of the apartment is **330 million won**, and the property value after deductions is calculated to be **250 million won**.
* 📈 The income assessment amount is calculated to be **1,890,000 won**, and the property income conversion amount is calculated to be **950,000 won**, resulting in a recognized income amount of **2,400,000 won**.
* ✅ Since the recognized income amount is **less than the standard amount of 3,408,000 won for a married couple household in 2014**, they are eligible for **basic pension benefits**.
* 💸 The husband, receiving **1 million won per month** from the National Pension, is expected to receive **191,880 won monthly after a 20% reduction**, and the wife, not enrolled in the National Pension, is expected to receive **267,000 won monthly after a 20% reduction**.
* 📉 Debts for basic pension calculations refer to outstanding loan amounts from financial institutions and other borrowed amounts that have not been repaid, and they are eligible for a **100% deduction**.
* 🏦 Loans from financial institutions are recognized as debts regardless of the type and purpose of the loan, but **negative balances and card loans are not recognized as debts**.
* 💳 Unpaid credit card bills of **500,000 won or more** that have been overdue for **more than three months** are recognized as **debts**.
* 🏠 Security deposits for rent can be deducted as debts, but only **up to 50% of the standard value** based on the establishment and confirmation date of the leasehold.

[기초연금 웬만하면 다 받는다!!] 아파트 6억원+정기예금 1억원+국민연금 100만원+월급 200만원 /기초연금 계산방법, 기초연금 수급대상, 노령연금 수급자격

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