창원시 기초연금 신청 자격

소득 330만 원인 창원의 한 부부는 월 45만 8천 원의 기초연금을 받을 수 있습니다.

### 창원에 거주하는 60대 부부의 기초연금 수급 자격 및 부채 공제액 계산하기
* 💰 1959년생인 이 부부는 **6억 원 상당의 창원에 아파트와 1억 원의 정기예금**을 소유하고 있으며, 남편의 **국민연금과 월급, 약 1천만 원 상당의 승용차** 등으로 소득을 얻고 있다.
* 🏠 아파트의 평가액은 **3억 3천만 원**이고, 공제 후 재산가액은 **2억 5천만 원**으로 계산됩니다.
* 📈 소득 평가액은 **1,890,000원**, 재산 소득 환산액은 **950,000원**으로 계산되어 인정 소득 금액은 **2,400,000원**으로 계산됩니다.
* ✅ 인정 소득액이 **2014년 부부 가구 기준액인 3,408,000원에 미달**하므로 기초연금 수급 대상에 해당합니다.
* 💸 국민연금으로 월 **100만원**을 받는 남편은 **20% 감액 후 월 191,880원**, 국민연금에 가입하지 않은 아내는 **20% 감액 후 월 267,000원**을 받을 것으로 예상됩니다.
* 📉 기초연금 산정 시 부채는 **금융기관으로부터의 미상환 대출금 및 기타 차입금 중 상환하지 않은 금액**을 말하며, **100% 공제 대상**입니다.
* 🏦 금융기관의 대출은 **대출의 종류와 목적에 관계없이 부채**로 인식되지만, **마이너스 잔액과 카드론은 부채로 인식되지 않습니다**.
* 💳 3개월 이상 연체된 **50만 원 이상의 신용카드 미결제 대금**은 부채로 인식됩니다.
* 🏠 임차 보증금은 부채로 공제할 수 있지만, 임대차 계약 성립 및 확정일 기준으로 **기준 가액의 최대 50%까지만** 공제할 수 있습니다.

Hello, teacher. We are a couple in our 60s living in Changwon. We plan to apply for basic pension this year, so we are studying hard while watching your lectures. Currently, we live in an apartment worth 600 million won, with a deposit of 100 million won, and our income consists of 1 million won from my husband's national pension, a monthly salary of 2 million won, and we also own a sedan worth about 10 million won. Can we also receive basic pension? Hello, this is Alberto, wishing you a happy life. You reside in an apartment worth 600 million won in Changwon and receive income from pensions and salaries. Can this couple requesting today really receive basic pension? Let me easily calculate that for you today. First, let's summarize the situation of the couple requesting today. They were born in 1959 and own an apartment in Changwon worth 600 million won, which translates to a standard value of 330 million won, according to the assessed value.

I have a fixed deposit of 100 million won. In addition, I have income from the fixed deposit, with monthly interest income of 300,000 won, and my husband has a national pension of 1 million won and a monthly salary of 2 million won. Lastly, we own a sedan with a displacement of 3,300cc, which is estimated to be worth around 10 million won in the used car market. Before calculating the income recognition amount for today's clients, let's check the key points. How much is the regional deduction for Changwon City, which was upgraded to a special city in 2022? Is there a basic deduction for the 1 million won national pension? How much does the basic pension decrease due to the 10,000 won to the National Treasury, and when does it start to be reflected? Lastly, even if you own a 3,300cc sedan, is it still possible to receive a basic pension? Now, let's calculate whether today's clients are eligible for a basic pension starting from now.

To make a judgment, you need to calculate the recognized income amount. The formula for calculating the recognized income amount is the income assessment amount plus the income conversion amount of the property. It means assessing income and converting property into income and then adding them up. First, let's calculate the income assessment amount. Today, the income of the client couple consists of the husband's national pension, interest income from a fixed deposit of 100 million KRW, and the husband's labor income. The husband's national pension of 1 million KRW per month is fully reflected without any basic deduction. The interest income of 300,000 KRW per month from the fixed deposit of 100 million KRW, after deducting the basic deduction of 40,000 KRW, amounts to 260,000 KRW. Lastly, the husband's labor income of 2 million KRW, after deducting the basic deduction of 1.1 million KRW and applying an additional deduction of 30%, reflects 630,000 KRW. Therefore, the income assessment amount includes the national pension of 1 million KRW, interest income of 260,000 KRW, and the husband's labor income of 630,000 KRW.

When you add up all the circles, the income evaluation amount is 1,890,000 won. Next, let's calculate the income conversion amount of the property. There are two types of property in the basic pension: general property and financial property. Today, the general property of the clients includes an apartment and a car, and the financial property includes a time deposit. First, when we calculate the general property, the actual transaction amount is 600 million won, the assessed value is 330 million won. Adding 10 million won for the used car to the apartment makes it 340 million won. Then, subtracting the regional basic deduction special exemption standard of 135 million won, the general property becomes 250 million won. Now, let's calculate the financial property. If we subtract 20 million won from the fixed deposit of 100 million won for the basic deduction, it becomes 80 million won. Then, adding the previously calculated general property of 250 million won to the financial property of 80 million won, it becomes 280 million won. When we multiply this by the income conversion rate of 4%, it becomes 11 million won.

If we divide this again into 12 months, the income conversion of the property is 950,000 won. Now we can calculate the recognized income amount. First, adding the income assessment amount of 1,890,000 won to the property income conversion amount of 950,000 won, the recognized income amount of the clients' couple is 2,400,000 won. Therefore, since the recognized income amount of the clients' couple, 2,840,000 won, is less than the standard amount of 3,408,000 won for a married couple household in 2014, they can be eligible for basic pension benefits. Congratulations. Next, let's calculate how much each of the couple will receive as basic pension. First, the husband receives 1 million won per month from the National Pension, and is subject to a reduction in basic pension due to National Pension linkage. Based on the 2014 standard, if the National Pension exceeds 502,200 won, it is subject to a reduction in basic pension. The standard pension amount for basic pension is 334,810 won, and about 90,000 won is reduced due to National Pension linkage.

With a reduction of 5,000 won, the amount becomes 98,100 won. Applying a 20% reduction for the couple, they will receive 191,880 won monthly. Now, let's calculate the basic pension amount for the wife. Since the wife is not enrolled in the National Pension, applying a 20% reduction for the couple, she can receive 267,000 won monthly. Therefore, it is expected that the couple will receive a total of 458,000 won on the 25th of each month, with the husband receiving 191,140 won and the wife 267,000 won. Now, are debts like loans or cash services deductible when calculating the basic cash amount? Debts in basic pension calculations refer to the outstanding amounts of loans from financial institutions and amounts borrowed for reasons other than financial institutions, such as rental deposits, that have not been repaid. These debts are eligible for a 100% deduction in basic pension calculations. If I explain the types and scope of deductions for debts, the first type of debt is

There is a loan from a financial institution. Here, a financial institution includes first-tier financial institutions, second-tier financial institutions, and registered loan companies. Loans received from financial institutions are recognized as debts regardless of the type and purpose of the loan. In other words, regardless of whether the loan was used to purchase a house, start a business, or for medical expenses, it is all recognized as 100% debt. So, are there any cases where loans from financial institutions are not recognized as debts? Negative balances and card loans, in other words, short-term credit loans provided by credit card companies, are not recognized as debts. The reason is that card loans, cash advance credit, and other unsecured credit services provide loans based solely on credit status without collateral, making it easy to borrow and allowing free deposits and withdrawals at any time. Therefore, some people increase their debts through methods like taking out loans just before applying for basic pension benefits, reducing their asset size, and then applying for basic pension benefits.

Since there is a high possibility of being abused in the form of being repaid after becoming a recipient, it is not recognized as a debt. Also, it is not possible to treat recipients who make efforts not to incur debt even in difficult living conditions and recipients who use credit loans such as card loans indiscriminately in the same way. When there is a need for expenses, it is more important to dispose of assets than to increase debt through credit loans. There are two types of debts. Second is unpaid credit card bills. Here, unpaid bills refer to credit card amounts of 500,000 won or more that have been overdue for more than three months. Only the amount of the installment payment overdue for more than three months is reflected as a debt. Also, there are cases where it is not recognized as a debt here. Delays in credit loans or cash service payments are not recognized as debts. The third type of debt is loans outside the financial period. 1 Loans from public institutions such as local governments, the National Veterans Affairs, and housing corporations 2 Military deductions

Employees' mutual aid association and deductions based on the law, deductions from the mutual aid association loans can be recognized as debts. Agricultural land pension and housing pension have the nature of debts secured by property, so you can deduct the amount received as a debt. The fourth type of debt is personal debt, namely, debts confirmed by a court judgment or reconciliation confirmed by a court through mediation are recognized as debts. All personal debts not confirmed by the court are not recognized as debts. Therefore, it is important to remember that money transactions based on family borrowing certificates cannot be recognized as debts when calculating basic pensions. The fifth type of department is security deposits for rent. Security deposits for rent can be deducted as debts, but only 50% of the standard value based on the establishment and confirmation date of the leasehold. For example, if the standard value is 1 billion KRW.

When renting an apartment with a standard value of 600 million won as a deposit for 600 million won, it is not recognized as a debt for the entire security deposit of 600 million won, but only up to 50% of the standard value of the apartment, which is 300 million won, can be recognized as a debt. Therefore, can the loan interest incurred monthly due to the loan received for the payment be deducted as a debt? The interest incurred, which is the amount of the loan, cannot be deducted as a debt. As explained, the basic pension from 2024 can be applied for those born in 1959 and onwards, and you can receive 334,810 won on the 25th of every month. I hope you will prepare carefully and achieve good results. Today as well, Alberto will support the happy life of the elderly in this village. Have a happy day. Likes, subscriptions, notifications, and sharing are the power to create good content.

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

안녕하세요. 알베르토와 클라우디아 입니다.^^
행복한 노후를 준비하는 지식과 정보
그리고
힘겨울 때 위로와 용기를 나눌 수 있는
따듯한 채널을 만들기 위해 노력하고
있습니다.
여러분의 많은 관심과 응원
부탁드릴께요^^

[알베르토 약력]
연세대학교 생활환경대학원 졸업(석사)

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현)폴리포니 앙상블 단장
현)행복한 인생 2막 대표

[클라우디아 약력]
숙명여자대학교대학원 졸업 (아동문화컨텐츠 전공/석사)
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도서 쉬컵 출간

전)예원다솜문화교육(주) 대표이사

여러분의 행복한 인생 2막을 응원합니다.

행복한 인생 2막

창원의 6억 원대 아파트에 사는 60대 부부가 기초연금을 신청하려고 합니다.

부부의 소득은 국민연금 100만원과 월급 200만원, 정기예금 1억원, 승용차 1,000만원이 있습니다.

이 부부의 기초연금 수급 여부는 창원시 지역 공제액, 국민연금 기본 공제액, 국고 부담금, 3,300cc 세단 소유 여부에 따라 결정됩니다.

고객 부부의 인정 소득 금액 계산하기

인정 소득 금액은 소득 평가액(국민연금, 이자 소득, 근로 소득 포함)에 재산의 소득 환산액을 더하여 계산합니다.

소득평가액은 총 1,890,000원이고, 재산의 소득환산액은 일반재산과 금융재산가액으로 계산한 1,100만 원입니다.

이 두 금액을 합한 금액이 고객 부부의 인정 소득 금액입니다.

2014년 부부의 기초연금 수급액 계산하기

고객 부부의 인정 소득이 2014년 부부 가구 기준액 이하이므로 기초연금 수급 자격이 있습니다.

남편은 국민연금 연계로 인해 20% 감액된 월 191,880원을 받게 되며, 국민연금에 가입하지 않은 아내는 월 267,000원을 받게 됩니다.

기초연금 산정 시 대출금이나 현금서비스 등의 부채는 금융기관 미상환 금액, 미상환 차입금 등 전액 공제됩니다.

제1금융권 및 제2금융권, 등록 대부업체를 포함한 금융기관의 대출은 목적에 관계없이 항상 100% 부채로 인식됩니다.

단, 신용카드사의 단기 신용 대출, 마이너스 잔액, 카드론은 접근성이 용이하고 악용될 가능성이 있으므로 부채로 간주하지 않습니다.

3개월 이상 연체된 50만 원 이상의 신용카드 미결제 대금은 부채로 인정되지만, 신용대출이나 현금서비스 대금 연체는 부채로 간주되지 않습니다.

공제회 대출금, 농지연금, 주택연금은 연금 계산 시 부채로 인정됩니다.

법원 판결로 확정된 개인 채무도 인정되며, 월세 보증금은 기준액의 최대 50%까지 공제할 수 있습니다.

단, 대출 이자는 부채로 공제할 수 없으므로 연금액에 영향을 미칩니다.