Hello, I’m a ‘happy investor’ who delivers the positive influence of financial technology.
Today, I would like to introduce Hana Bank’s monthly installment savings, a recommended product for installment savings in their 20s that provides high interest rates even though it is a commercial bank.
This product is suitable for people in their 20s to mid-30s.
(The reason for being in the mid-30s is that the preferential interest rate is only available for those under the age of 35. Unfortunately…(Crying)
Lending rates have been rising rapidly recently, while deposits have not kept up with this pace.
If you say your goal is to save a lot of money, you have to find a place with a high interest rate of even 1%.
This interest leads to reinvestment, and depending on the snowball effect, the difference can be huge over time in the long run.
The top 20 installment savings recommendations I will introduce today are Hana Bank’s monthly installment savings and offer interest rates of up to 5.25% based on 12 months.
If you don’t meet the age requirements, the interest rate for this product is up to 3.95%.
For your information, Hana Card needs to have a record of 300,000 won, so it’s a good product for those who use Hana Card. It is not a new issuance requirement for Hana Card, so it is a suitable product for existing users to make if the age requirements are met.
Find products that offer high savings rates
Recommended installment savings for 20s: 5.25% of Hana Bank’s installment savings
In the previous post, I introduced how to find a product that provides the best installment savings rate.
Installment Savings Interest Rate Comparison Special Sale Information
Hello, I’m a ‘happy investor’ who delivers the positive influence of financial technology. Last time at Jackson Hall…
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Of course, you may have heard of a product called 10% installment savings, but interest benefits are not significant in fact because monthly payments are less than 100,000 won or complex preferential conditions such as new customers at the bank are required.
Let’s use the regular installment savings interest rate comparison service of the Korea Federation of Banks’ consumer portal.
I prefer free-standing meals so that I can pay part of my spare money at any time rather than a fixed amount, and of course, I like welfare, and I inquired under the conditions because I don’t care how I join.
As expected, there are not many benefits.
NH Nonghyup Bank’s NH1934 monthly welfare installment savings are the highest when applying the preferential interest rate.
However, there may be several requirements to receive preferential interest rates.
The Korea Federation of Banks consumer portal is more convenient because clicking on the financial product below leads to the bank’s product information.
Referring to the product description, it is possible to apply a preferential interest rate of 1.5% according to salary performance, non-face-to-face channel, and marketing consent for 2.6% based on 12 months, so up to 4.1% can be applied.
And in the small letters marked at the bottom, it says, “If a graduate of an agricultural high school and a youth farmer’s academy submits a graduation certificate and certificate, an additional preferential rate of 2.0%p will be provided.”
After all, ordinary people cannot receive 6.1% with maximum preferential interest rates.
Also, it was confirmed that 3.96% of monthly installment savings, which is the second NH workplace, is correct when applying the preferential interest rate.
The third is Hana Bank’s Wolbok-ri installment savings, which I will introduce as a recommended product for 20s installment savings.
Hana Bank’s ‘salary Hana monthly installment savings’
Recommended installment savings for the 20s: Hana Bank’s installment savings monthly interest rate 5.25%
– Subject to subscription: Real name individual or individual business operator (1 account per person)
– Subscription period: 1 year, 2 years, 3 years
– Subscription amount: 10,000 won to 3 million won (won unit)
(However, when registering a special interest rate for youth support, it is not less than 10,000 won but not more than 1.5 million won)
– Accrual limit: 10,000 won or more and 3 million won or less (quarter limit, original unit)
(However, the period of application of the special interest rate for youth support is between 10,000 won and 1.5 million won per quarter)
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(However, the intermediate termination rate and the post-maturity rate are calculated in isolation)
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– Interest rate: 2.95% basic rate + 1% preferential treatment + 1.3% special rate for youth support = 5.25% (as of 12 months)
The preferential interest rate is not a difficult condition if you place an automatic monthly transfer of 500,000 won through Hana Bank’s bank account and sign up through Internet/smartphone banking.
However, in order to receive a 1.3% youth preferential interest rate, you must be under 35 years of age and have at least 300,000 won per month for Hana Card’s payment performance (credit/check).
Therefore, it is a good product for existing Hana Bank and card customers to enjoy high interest rates if they meet the age requirements.
Even if the youth preferential interest rate is not applied, this product is a good installment savings rate for a commercial bank with a maximum interest rate of 3.95%.
Today, I introduced Hana Bank’s installment savings product, which is suitable for 20s installment savings recommendations.
Special preferential interest rates apply not only to those in their 20s but also to those under the age of 35.
It is a high-interest product that has the right age requirement and has no reason not to sign up for if you are a customer using Hana Card.
However, the regrettable thing is that there is a limit of 1.5 million won (500,000 won per month) in the quarter.
On the other hand, it has the advantage of being able to pay at any time when there is extra funds within the accumulation limit during the quarter because it is a free installment method.
Please refer to the posting of how to compare installment savings interest rates and find special sales that I introduced before recommending installment savings for the 20s.
If you want to roll a large sum of money, please look for products that have no limit on the subscription amount.