젊은 층을 위한 금융 상품 및 저축

### 젊은 층을 위한 재테크 전략: 저축 및 대출 상품 설명
* 💰 오늘날 젊은이들은 재테크에 대한 관심이 높아지면서 다양한 커뮤니케이션 플랫폼을 통해 **사회 초년생 시절에 돈을 모으는 방법에 대한 조언**을 구하는 경우가 많습니다.
* 📈 게시판 토론을 통해 알 수 있듯이, 새 사회 구성원들이 가장 많이 문의하는 내용은 **이용 가능한 재정 지원 제도와 효과적인 저축 전략**에 관한 것입니다.
* 💡 청년도약통장은 정부 지원금, 우대금리, 세제 혜택과 함께 **5년간 매월 최대 70만 원까지 적립**할 수 있는 실속형 저축 상품으로 주목받고 있습니다.
* 🏠 청년 내일키움통장은 **매월 10만원 이상 3년간 저축**하면 정부에서 **10만원을 추가로 지원**해 장기적인 자산형성 수단으로 활용할 수 있습니다.
* 📊 또 다른 주목할 만한 상품으로는 향후 주택 대출 시 우대금리와 혜택을 제공하는 **'청년 주택청약종합저축'**이 있어 주택 구입을 계획하고 있는 청년층에게 필수적인 상품입니다.
* 🎓 군인 학자금 대출은 **복무 기간 동안 이자를 면제**해 주는 등 청년층을 위한 기초 금융 상품으로 강조되고 있습니다.
* 💸 햇살론 대출은 긴급하게 필요한 경우 **최대 1,000만원까지 지원**받을 수 있지만, 꼭 필요한 경우에만 사용해야 하며 청년기 동안 **한 번만 사용할 수 있습니다.**
* 🔍 젊은이들이 자신의 경제적 이익을 극대화하기 위해서는 **자신의 필요에 맞는 금융 상품과 정책을 적극적으로 검색**하고 최신 정보를 얻는 것이 중요합니다.

젊은이들은 미래를 위한 저축과 대출을 지원하는 금융 상품을 찾고 싶어 합니다.

These days, young people seem to be very interested in investment and financial management. I've noticed that there are a lot of discussions about money on communication and empathy apps. Among recent graduates, the most common question is how to save money during the early stages of their careers. Many posts on forums reflect this too. When I look around, it seems that young people are asking if there are any financial support programs available to help them save money or if someone could share ways to accumulate funds. It seems like this person hasn't seen our second episode on the importance of seed money. In that episode, we talked about how to create a seed money fund of 100 million won. We briefly mentioned one of the financial programs for young people, the Youth Leap Account. It seems you remember that well! So, shall we dive deeper into financial products available for young people today? That sounds great!

First of all, what financial products do young people need? Of course, a savings product that allows them to save money is essential, and there should also be products available for student loans. Right? So today, let's take a look at savings products, loan products, and additionally, subscription savings. Sounds good? Then, shall we first explore savings products for young people? There is something called the Youth Savings Duo, which can be considered a savings account for the future. Wait a minute, is it Cheori and Mirae? I don't know. Back in our day, it was called Cheori and Mirae. Oh, well, something like that. It's quite embarrassing. But you have really come a long way from the frozen state; haven’t you? It seems like it. A cat walks on the frozen Han River.

Anyway, the first thing is the Youth Leap Account. You mentioned that we should actively use it when saving seed money, right? Please explain in detail. The Youth Leap Account allows you to freely deposit up to 700,000 won per month for five years. Basically, you can receive not only bank interest but also government support funds. Plus, with preferential interest rates and tax benefits added, this is truly a perfect savings product for young people. 

Oh, but even if the benefits are significant, I think it might be hard to stick with a savings plan for five years. What if I urgently need money in the middle of it and have to withdraw? I think many young people might worry about that. Although it’s a five-year plan, even if you have to withdraw after just three years, you can still receive 60% of the benefits. Additionally, we…

There is a reason for special early termination. If you have to cancel due to unavoidable circumstances like marriage or childbirth, you can maintain the benefits. Wow, if you're a young person, you should definitely sign up for this. That's how it can be viewed. However, government support varies depending on income, and interest rates differ slightly from bank to bank, so it's important to compare them carefully before signing up. But earlier, it was about Choi and Mirae. Um, you can't change it. Like Zico and Jennie, they seem too advanced for me, and I feel a bit queasy about that. So let's stick with Choi and Mirae. Alright, understood. Then what’s the other one? Next, there’s something called the Youth Tomorrow Savings Account. If you save more than 100,000 won every month for three years, the government will add 100,000 won for each month you save and return it to you. So in other words...

Our youth can view this account as a long-term asset management tool. However, it's important to remember that we need to maintain this account for just three years while continuing our work activities. It would be good not to forget this. We should continue with it, as there are many great products available, and the types are quite diverse. We need to research, learn, and use these wisely. That's right, especially since the interest rates for these products change frequently, it’s best to search thoroughly, check, and then sign up. 

Next, there is a part that I'm really interested in, which is the savings plan for young people. I'm very curious about it, so please tell me more. Oh, right! It's the Young Housing Dream Savings Account. Do you know what a savings account is? It's essential for purchasing a home, right? Exactly. The basic details of this product are similar to a regular savings account, but the Young Housing Dream account...

The housing subscription account has two additional advantages. What are those two advantages? First, for general housing subscriptions, if a young person aged 20 to 39 who does not own a home wins a lottery with the Youth Housing Dream Subscription Account, they can receive a loan at a significantly reduced interest rate. This is a very beneficial product. To summarize, preferential interest rates are applied during the subscription period, and there are benefits when taking out a loan to buy a house later. So, it’s like receiving double benefits. Right, don’t think of it as just a minor thing; let’s quickly set up this account. I should also make use of the savings products and housing subscriptions you explained today. Exactly, this is where the Jeans Spirit is needed. Suddenly, what is this Jeans Spirit? Oh, I might be a bit old-fashioned. I really like things like this, especially the youth housing subscription.

Right now, this is an abbreviation. So, Happy, could you tell us about the loan products for young people? First, there is the loan that most people are familiar with, which can be considered the starting point of life loans. What is it? Student loans, right? Student loans can be seen as a representative product for young people. Is this information something new? Most people already know about it. Is that so? Well, once we finish here, we are not an economic education institution; we are an economic education entity. If you have received a student loan, there is an interest exemption system for the duration of your military service. Did you know about that? Oh, I didn't know. Are there any other loans? If you could introduce just one more tip? Have you heard of the Sunshine Loan News? I've heard of the Sunshine Loan, but this is the first time I'm hearing about Sunshine Loan News. This is something you should really use only when you urgently need it, and you can only apply for it once during the youth period.

For young job seekers, there is a loan available with a limit of 10,000 won, so be sure to keep that in mind. Thank you to our Happy Advisor for sharing that tip. When I try to find financial products that suit me, should I just look for our Happy Advisor? Well, you can come to me too, but my responses might be slow, and I also need some time to look for this information myself. Instead, it's important to make searching for youth policies a daily habit. Daily searches are crucial. Various policies for young people will be released in the future, so we need to keep updating ourselves. There is a website called Welfare where you can search for youth policies, so if you check it out, you'll find a lot of information. Understood! In the future, I hope our military personnel and young people won’t miss out on small financial benefits through economic education.

[경제 마음의 편지] Ep4. 청년을 위한 금융상품

예금보험공사 예보TV

사회 초기에 돈을 모으는 것에 대한 논의가 활발해지면서 투자 및 재무 관리에 대한 젊은 층의 관심이 높아지고 있습니다.

청년내일채움공제는 정부 지원금, 우대금리, 세제 혜택과 함께 월 최대 70만 원까지 5년간 적립할 수 있는 자유적립식 상품입니다.

청년이 중도 인출을 해야 하는 경우에도 3년 후에는 원금의 60%를 수령할 수 있습니다.

특별 조기 해지 및 청소년 저축 프로그램

결혼이나 출산과 같은 불가피한 상황에서는 특별 중도 해지 혜택이 제공됩니다.

청년 내일키움통장은 매월 저축액에 대해 정부가 매칭금을 지원하여 청년들에게 장기적인 자산 관리 수단을 제공합니다.

청년 주택청약종합저축은 주택 구입 지원을 목적으로 하며, 일반 저축 계좌와 유사한 내용을 담고 있습니다.

주택청약종합저축은 청년주택청약종합저축 추첨에 당첨된 청년에게 대출 금리 인하와 청약 기간 동안 두 배의 혜택을 제공하는 두 가지 주요 혜택을 제공합니다.

이 통장은 나중에 주택을 구입하기 위해 대출을 받을 때에도 이점을 제공합니다.

이 밖에도 학자금 대출과 군 복무 중 이자 면제 제도, 긴급한 자금이 필요할 때 이용할 수 있는 햇살론 소식도 소개합니다.

청년 구직자에게는 1,000만원의 대출이 가능합니다.

앞으로도 다양한 정책이 발표될 예정이므로 청년 정책 검색을 습관화하는 것이 중요합니다.

복지부 홈페이지는 청년 정책 정보를 찾는 데 유용한 자료입니다.