How to check the amount of housing annuity received
Nowadays, as life expectancy increases, we are moving into an aging society, which is also a so-called social problem.
My husband and I are in our mid-30s now, and for the future, it’s the National Pension.
You are paying automatically
Individual pensions (financial products) are also paid by a certain amount each month. 주택연금 수령액 조회
There is also a financial product implemented in the country called a housing pension these days.
How old do you have to be to receive the housing pension, how to check it, and how to pay it?
And let’s find out the misconceptions and the truth 좋은뉴스
○ Housing Pension – For the purpose of ‘debt reduction-preparation for old age-housing stability1 of the elderly
Released on April 25, 2016, it is a warm system that has not been implemented for less than a year or two.
No worries even if house prices fall (?) WHY?
☆ If house prices go up, will home pension subscribers lose money?
It is said that the amount of the housing pension payment is determined on the assumption that the housing pension increases by 3% every year (?)
To be honest, in the case of Incheon where I live, I think it would be there even if it went higher.
Of course, it will vary from region to region.
Therefore, in a situation where house prices are no longer rising, the increase of 3% per year is huge, isn’t it?
In any case.. if the house price goes up a lot.. it is possible to do it midway
☆ What if the house price was lower than the pension received at the time of death?
If both spouses die, no compensation is required.
What if the amount is still high?
It will be returned to the heirs, such as children.
Therefore.. even if house prices plummet…
Great product, isn’t it?
To check the amount of housing annuity, enter ‘Housing Pension’ in Naver.
After logging in, you can see the expected pension inquiry service in the housing pension menu.
You can easily simulate the estimated amount in advance.
Housing Pension Receiving Amount Payment Method by Age
It is different for each house price and age. For example, if
If you sign up for a house worth 300 million won at the age of 70 and receive it, you can receive 811,000 won every month.
Fixed period method – that is, 10 years 15 years 20 years maturity setting
Age 70, 10-year maturity KRW 300 million, KRW 1,624,000
In addition, even if you have a mortgage in the house you currently live in, you can sign up for it.
There is also a housing annuity product.
Inquiry on housing annuity receipt Monthly payment Payment method
Lifetime method – A method of receiving payments for a lifetime Depending on whether you set a withdrawal limit or not
It is divided into a life payment method and a life mixture method.
Fixed period method – Payment for 10 to 30 years for the period selected by the customer
Loan repayment method – Find it at once within the withdrawal limit for repayment of a home equity loan and pay the rest
Payment in the form of annuity every month for the rest of your life
Preferential method – Up to 15% of monthly payment compared to the lifetime method for single homeowners of 150 million won or less based on a married couple
How to receive preferential treatment