청포도 적금The first thing to consider when choosing a financial product is stability. In particular, in these uncertain economic times, it has become even more important to check the management soundness of financial institutions. So today, based on recent public disclosure data, we have carefully analyzed Shinhan Savings Bank’s products.
Green Grape Youth Savings is a savings product introduced by Shinhan Bank to help young people secure funds for their future. Anyone between the ages of 19 and 39 can sign up for the product, and this product is designed to help young people save a certain amount every month for a subscription period of 6 to 12 months to secure a lump sum.
➡️ Subscription target: Young people between the ages of 19 and 39
The biggest appeal of Green Grape Youth Savings is the interest rate. It offers an interest rate of 4% to 5% per annum, and it is definitely an attractive condition to be able to receive such a high interest rate on a pre-tax basis.
This product can receive additional interest rate benefits if it meets the preferential interest rate conditions. If you agree to the collection and use of personal information, you can receive an additional 0.1% preferential interest rate, if you make automatic transfers to our account a certain number of times, you can receive an additional 0.3% preferential interest rate, and if you do not issue a passbook, you can receive an additional 0.6% preferential interest rate.
➡️ Consent to the collection and use of personal information: 0.1%
➡️ If you deposit more than half of the total monthly deposits during the contract period from our deposit/withdrawal account: 0.3%
➡️ If you do not issue a passbook until the product matures after signing up: 0.6%
Green Grape Savings, Preferential Interest Rate Details
Green Grape Youth Savings is operated by regularly depositing a fixed amount every month. The monthly deposit limit is from a minimum of 10,000 won to a maximum of 300,000 won, and the interest is structured to be paid in a lump sum when it matures.
➡️ Method of accumulation: Monthly regular savings
➡️ Monthly payment limit: Minimum 10,000 won ~ Maximum 300,000 won (in won)
➡️ Interest payment method: Lump sum payment at maturity
For example, if you pay 300,000 won per month for 12 months at an annual interest rate of 5%, the total including the principal will be 3,682,485 won.
Green Grape Savings, Interest Calculation Example
The financial status of a financial institution is the basis for determining whether it can respond to unexpected risks. As seen in recent news, the financial soundness of financial institutions is a big issue, so we can see that this analysis is as important as high interest rates.
It is very positive that Shinhan Savings Bank has assets of approximately 3 trillion won. The capital adequacy ratio is 17.55%, which is far higher than the 8% used as an indicator of stability, and the net fixed-rate and liquidity ratio are also good.
👉 Asset size: Approximately 3 trillion (good)
Shinhan Savings Bank, Asset size
👉 Capital adequacy ratio: 17.55% (good)
Shinhan Savings Bank, Capital adequacy ratio
👉 Net fixed-rate and below loan ratio: 2% (good)
Shinhan Savings Bank, Net fixed-rate and below loan ratio
👉 Liquidity ratio: 119.84% (good)
Shinhan Savings Bank, Liquidity ratio
Shinhan Savings Bank was established in 2012 and was originally called Yehanbyeol Savings Bank. It was incorporated as a subsidiary of Shinhan Financial Group and merged with Shinhan Savings Bank. The history of Shinhan Savings Bank is as follows.
Today, we learned about Shinhan Bank’s Green Grape Youth Savings, which supports the dreams and goals of young people. This product is a special product that young people can conveniently sign up for online, and each person can only have one account. Considering the subscription conditions and interest rate benefits, it will be a very advantageous choice for young people who dream of saving money. Those interested in short-term savings should consider signing up through the Shinhan Savings Bank app. However, the final decision is up to you, so please contact the bank and make a careful decision.
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