{"id":194,"date":"2026-07-22T23:05:00","date_gmt":"2026-07-22T23:05:00","guid":{"rendered":"https:\/\/hom2box.com\/wordpress\/savings-bank-4-percent-deposit-how-to-2026\/"},"modified":"2026-07-22T23:05:00","modified_gmt":"2026-07-22T23:05:00","slug":"savings-bank-4-percent-deposit-how-to-2026","status":"publish","type":"post","link":"https:\/\/hom2box.com\/wordpress\/savings-bank-4-percent-deposit-how-to-2026\/","title":{"rendered":"\uc800\ucd95\uc740\ud589 4% \uc608\uae08 \uac00\uc785 \ubc29\ubc95 \ucd94\ucc9c 2026 \u2014 \uc870\uac74\u00b7\ube44\uad50\u00b7\uc808\ucc28 \uc815\ub9ac"},"content":{"rendered":"
\n

\uc800\ucd95\uc740\ud589 4% \uc608\uae08 \uac00\uc785 \ubc29\ubc95 \ucd94\ucc9c<\/strong>\uc5d0 \ub300\ud574 \uad81\uae08\ud558\uc168\ub2e4\uba74, \uc9c0\uae08\ub3c4 \uac00\ub2a5\ud55c \uc22b\uc790\uc778\uc9c0 \uba3c\uc800 \ud655\uc778\ud574 \ubcf4\ub294 \uac8c \uc88b\uc2b5\ub2c8\ub2e4. \uae08\ub9ac \uc778\ud558 \ud750\ub984 \uc18d\uc5d0\uc11c\ub3c4 \uc870\uac74\uc744 \uc81c\ub300\ub85c \uc544\ub294 \uc0ac\ub78c\uc740 \uc5f0 4%\uc5d0 \ub2ff\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacf5\uc2dc \uc790\ub8cc\uc640 \ub274\uc2a4 \ubcf4\ub3c4\ub97c \uc9c1\uc811 \ube44\uad50\ud574 \ubcf4\ub2c8, \uae30\ubcf8\uae08\ub9ac\ub9cc\uc73c\ub85c\ub294 \uc5b4\ub835\uace0 \uc6b0\ub300 \uc870\uac74\uc744 \ud569\uc0b0\ud574\uc57c \ud558\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4. \uc870\uac74\uacfc \uc808\ucc28\ub97c \uc21c\uc11c\ub300\ub85c \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

\"\uc800\ucd95\uc740\ud589
\ube44\ub300\uba74 \uc571 \uac00\uc785\uc73c\ub85c \uc6b0\ub300\uae08\ub9ac\uae4c\uc9c0 \ucc59\uae30\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n

2026\ub144 \uc800\ucd95\uc740\ud589 \uc608\uae08 \uae08\ub9ac \ud604\ud669 \u2014 \uc9c0\uae08 4%\uac00 \uac00\ub2a5\ud55c\uac00\uc694?<\/h2>\n

2026\ub144 7\uc6d4 \uae30\uc900 \uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \ud3c9\uade0 \uae08\ub9ac\ub294 \uc5f0 3.0~3.5% \uc218\uc900\uc785\ub2c8\ub2e4.<\/strong><\/p>\n

\uc2dc\uc911 5\ub300 \uc740\ud589 \uc815\uae30\uc608\uae08\uc740 \uc5f0 3.15~3.45%\ub85c \uc800\ucd95\uc740\ud589\uacfc \ube44\uc2b7\ud55c \uad6c\uac04\uc785\ub2c8\ub2e4.<\/p>\n

\uae30\ubcf8\uae08\ub9ac\ub9cc\uc73c\ub85c 4%\ub97c \ub118\uae30\uae30\ub294 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5f0 4%\ub294 \uc6b0\ub300\uae08\ub9ac \uc870\uac74\uc744 \ud569\uc0b0\ud558\uac70\ub098 \ud55c\uc815 \ud2b9\ud310 \uc0c1\ud488\uc744 \ub178\ub824\uc57c \ub2ff\uc744 \uc218 \uc788\ub294 \uc218\uc900\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n\n
\uad6c\ubd84<\/th>\n\uae08\ub9ac \uc218\uc900 (2026\ub144 \uae30\uc900, \uc138\uc804)<\/th>\n\ube44\uace0<\/th>\n<\/tr>\n<\/thead>\n
\uc2dc\uc911 5\ub300 \uc740\ud589 \uc815\uae30\uc608\uae08<\/td>\n\uc5f0 3.15~3.45%<\/td>\n\uae30\ubcf8\uae08\ub9ac \uae30\uc900<\/td>\n<\/tr>\n
\uc800\ucd95\uc740\ud589 \ud3c9\uade0 \uc815\uae30\uc608\uae08<\/td>\n\uc5f0 3.0~3.5%<\/td>\n\uc800\ucd95\uc740\ud589\uc911\uc559\ud68c \uacf5\uc2dc \uae30\uc900<\/td>\n<\/tr>\n
\uc800\ucd95\uc740\ud589 \uc6b0\ub300\uae08\ub9ac \ud3ec\ud568<\/td>\n\uc5f0 3.5~4.5%<\/td>\n\uc870\uac74 \ucda9\uc871 \uc2dc<\/td>\n<\/tr>\n
\uc800\ucd95\uc740\ud589 \ud2b9\ud310 \uc0c1\ud488<\/td>\n\uc5f0 4.0% \uc774\uc0c1<\/td>\n\ud55c\uc815 \ud310\ub9e4, \uc120\ucc29\uc21c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uc218\uce58\ub294 \uc800\ucd95\uc740\ud589\uc911\uc559\ud68c \uae08\ub9ac\uacf5\uc2dc \uae30\uc900\uc774\uba70, \uac1c\ubcc4 \uc0c1\ud488 \uc57d\uad00\uc5d0\uc11c \ucd5c\uc885 \ud655\uc778\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc800\ucd95\uc740\ud589 4% \uc608\uae08 \ube44\ub300\uba74 \uac00\uc785 \ubc29\ubc95 \u2014 \uc2e0\uccad 5\ub2e8\uacc4<\/h2>\n

\uac00\uc785 \uacbd\ub85c\ub294 \ud06c\uac8c \uc138 \uac00\uc9c0\ub85c \ub098\ub269\ub2c8\ub2e4.<\/p>\n

SB\ud1a1\ud1a1\ud50c\ub7ec\uc2a4 \uc571<\/strong> \u2014 \uc804\uad6d \uc800\ucd95\uc740\ud589 \uc0c1\ud488\uc744 \uae08\ub9ac\uc21c\uc73c\ub85c \ud55c \ud654\uba74\uc5d0\uc11c \ube44\uad50\u00b7\uac00\uc785\ud558\ub294 \uacf5\ub3d9 \ud50c\ub7ab\ud3fc\uc785\ub2c8\ub2e4.<\/p>\n

\uc800\ucd95\uc740\ud589\uc911\uc559\ud68c SB\ud1a1\ud1a1\ud50c\ub7ec\uc2a4<\/a> \ub610\ub294 \uc571\uc2a4\ud1a0\uc5b4\uc5d0\uc11c \uc124\uce58\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uac1c\ubcc4 \uc800\ucd95\uc740\ud589 \uc571<\/strong> \u2014 \ud574\ub2f9 \uc800\ucd95\uc740\ud589 \uc804\uc6a9 \uc571\uc73c\ub85c \uac00\uc785\ud558\uba74 \uc571 \uc804\uc6a9 \uc6b0\ub300\uae08\ub9ac\uac00 \ucd94\uac00\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc601\uc5c5\uc810 \ubc29\ubb38<\/strong> \u2014 \uc2e0\ubd84\uc99d \uc9c0\ucc38 \ud6c4 \ucc3d\uad6c\uc5d0\uc11c \uac00\uc785\ud569\ub2c8\ub2e4. \ub2e8, \ube44\ub300\uba74 \uc6b0\ub300\uae08\ub9ac\ub294 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

\ube44\ub300\uba74 \uac00\uc785 \ub2e8\uacc4\ubcc4 \uc808\ucc28<\/h3>\n

1\ub2e8\uacc4 \u2014 \uc571 \uc124\uce58 \ud6c4 \ubcf8\uc778\uc778\uc99d(\ud734\ub300\ud3f0 \ub610\ub294 \uacf5\ub3d9\uc778\uc99d\uc11c)\uc744 \uc644\ub8cc\ud569\ub2c8\ub2e4.<\/p>\n

2\ub2e8\uacc4 \u2014 '\uc815\uae30\uc608\uae08' \uce74\ud14c\uace0\ub9ac\uc5d0\uc11c \uae08\ub9ac \ub192\uc740 \uc21c\uc73c\ub85c \uc0c1\ud488\uc744 \uc815\ub82c\ud569\ub2c8\ub2e4.<\/p>\n

3\ub2e8\uacc4 \u2014 \uc0c1\ud488 \uc0c1\uc138 \ud654\uba74\uc5d0\uc11c \uae30\ubcf8\uae08\ub9ac\uc640 \uc6b0\ub300\uae08\ub9ac \uc870\uac74\uc744 \uac01\uac01<\/strong> \ud655\uc778\ud569\ub2c8\ub2e4.<\/p>\n

4\ub2e8\uacc4 \u2014 \uac00\uc785 \uae08\uc561\u00b7\uae30\uac04\u00b7\uc790\ub3d9\uc774\uccb4 \uc5ec\ubd80\ub97c \uc120\ud0dd\ud569\ub2c8\ub2e4.<\/p>\n

5\ub2e8\uacc4 \u2014 \uc57d\uad00 \ub3d9\uc758 \ud6c4 \ucd9c\uae08 \uacc4\uc88c\ub97c \uc5f0\uacb0\ud574 \uac00\uc785\uc744 \uc644\ub8cc\ud569\ub2c8\ub2e4.<\/p>\n

\uc804\uccb4 \uc18c\uc694 \uc2dc\uac04\uc740 5~10\ubd84 \uc548\ud30e\uc785\ub2c8\ub2e4. \uc800\ucd95\uc740\ud589 4% \uc608\uae08 \uac00\uc785 \ubc29\ubc95 \ucd94\ucc9c\uc744 \ucc3e\ub294 \ubd84\uc774\ub77c\uba74 \ube44\ub300\uba74 \uacbd\ub85c\uac00 \uae08\ub9ac \uba74\uc5d0\uc11c \uac00\uc7a5 \uc720\ub9ac\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n

\"\uc800\ucd95\uc740\ud589
\uc800\ucd95\uc740\ud589\uc911\uc559\ud68c \uae08\ub9ac\uacf5\uc2dc\uc5d0\uc11c \uae08\ub9ac \ub192\uc740 \uc21c\uc73c\ub85c \uc815\ub82c\ud558\uba74 \ud2b9\ud310\uc744 \ube60\ub974\uac8c \ucc3e\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n

\uc5f0 4%\ub97c \uc2e4\uc81c\ub85c \ubc1b\uc73c\ub824\uba74 \uc5b4\ub5a4 \uc6b0\ub300\uae08\ub9ac \uc870\uac74\uc774 \ud544\uc694\ud55c\uac00\uc694?<\/h2>\n

\uc774 \ubd80\ubd84\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n

'\uc5f0 4%'\ub85c \uad11\uace0\ub41c \uc0c1\ud488\ub3c4 \uc870\uac74\uc744 \ucc44\uc6b0\uc9c0 \ubabb\ud558\uba74 \uc2e4\uc9c8 \uae08\ub9ac\ub294 3.3% \uc548\ud30e\uc73c\ub85c \uc904\uc5b4\ub4ed\ub2c8\ub2e4.<\/p>\n

\ubc18\ubcf5\uc801\uc73c\ub85c \ub4f1\uc7a5\ud558\ub294 \uc6b0\ub300\uae08\ub9ac \uc870\uac74\uc740 \uc544\ub798\uc640 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n

\ube44\ub300\uba74 \uac00\uc785 \uc6b0\ub300<\/strong> \u2014 \uc571\u00b7\uc778\ud130\ub137\ubc45\ud0b9\uc73c\ub85c \uac1c\uc124\ud558\uba74 0.1~0.3%p\uac00 \ucd94\uac00\ub429\ub2c8\ub2e4.<\/p>\n

\uc2e0\uaddc \uace0\uac1d \uc870\uac74<\/strong> \u2014 \ucd5c\uadfc 6\uac1c\uc6d4~1\ub144 \uc774\ub0b4 \ub3d9\uc77c \uc0c1\ud488 \uac00\uc785 \uc774\ub825\uc774 \uc5c6\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc790\ub3d9\uc774\uccb4\u00b7\uae09\uc5ec\uc774\uccb4 \uc5f0\uacb0<\/strong> \u2014 \ud2b9\uc815 \uacc4\uc88c\uc5d0\uc11c \uc790\ub3d9\uc774\uccb4\ub97c \uc124\uc815\ud558\uba74 0.2~0.5%p\uac00 \ucd94\uac00\ub429\ub2c8\ub2e4.<\/p>\n

\ub0a9\uc785 \uc644\ub8cc \uc870\uac74<\/strong> \u2014 \uc801\uae08\uc758 \uacbd\uc6b0 \uc57d\uc815 \ud68c\ucc28\ub97c \uc804\ubd80 \ub0a9\uc785\ud574\uc57c \uc6b0\ub300\uae08\ub9ac\uac00 \ubd99\uc2b5\ub2c8\ub2e4. 30\ud68c\ucc28 \uc804\uc561 \ub0a9\uc785 \uc2dc \uc5f0 1%p \uc6b0\ub300\uac00 \uc801\uc6a9\ub41c \uc0ac\ub840\uac00 \ubcf4\ub3c4\uc5d0\uc11c \ud655\uc778\ub429\ub2c8\ub2e4.<\/p>\n

\uac00\uc785 \ud55c\ub3c4 \uc900\uc218<\/strong> \u2014 \ud2b9\ud310\uc740 1\uc778\ub2f9 \ud55c\ub3c4(\ud1b5\uc0c1 1,000\ub9cc~5,000\ub9cc \uc6d0)\uac00 \uc788\uc73c\uba70, \ucd08\uacfc\ubd84\uc740 \uae30\ubcf8\uae08\ub9ac\ub9cc \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n\n
\uc6b0\ub300 \uc870\uac74<\/th>\n\ucd94\uac00 \uae08\ub9ac<\/th>\n\ud655\uc815 \uc5ec\ubd80<\/th>\n<\/tr>\n<\/thead>\n
\ube44\ub300\uba74(\uc571) \uac00\uc785<\/td>\n+0.1~0.3%p<\/td>\n\uc0c1\ud488\ubcc4 \ud655\uc778 \ud544\uc694<\/td>\n<\/tr>\n
\uc2e0\uaddc \uace0\uac1d<\/td>\n+0.1~0.2%p<\/td>\n\uc0c1\ud488\ubcc4 \ud655\uc778 \ud544\uc694<\/td>\n<\/tr>\n
\uc790\ub3d9\uc774\uccb4 \uc5f0\uacb0<\/td>\n+0.2~0.5%p<\/td>\n\uc0c1\ud488\ubcc4 \ud655\uc778 \ud544\uc694<\/td>\n<\/tr>\n
\uc804 \ud68c\ucc28 \ub0a9\uc785 \uc644\ub8cc (\uc801\uae08)<\/td>\n+1.0%p \uc0ac\ub840 \uc788\uc74c<\/td>\n\uc0c1\ud488\ubcc4 \ud655\uc778 \ud544\uc694<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uc870\uac74 \uccb4\ud06c\ub9ac\uc2a4\ud2b8\ub97c \ud55c \ubc88 \ud6d1\uc5b4\ubcf4\ub294 \uac83\ub9cc\uc73c\ub85c\ub3c4 \uc2e4\uc218\ub97c \ub9c9\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc811 \uacc4\uc0b0\ud574 \ubcf4\uba74 \uc5bc\ub9c8\ub098 \ucc28\uc774\uac00 \ub0a0\uae4c?<\/h2>\n

\ub9cc 34\uc138 \uc9c1\uc7a5\uc778, \uc5ec\uc720 \uc790\uae08 2,000\ub9cc \uc6d0\uc744 12\uac1c\uc6d4 \uc608\uce58\ud558\ub294 \uc2dc\ub098\ub9ac\uc624\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n\n
\uc870\uac74<\/th>\n\uc801\uc6a9 \uae08\ub9ac<\/th>\n\uc138\uc804 \uc774\uc790<\/th>\n\uc138\ud6c4 \uc774\uc790 (\uc138\uc728 15.4%)<\/th>\n<\/tr>\n<\/thead>\n
\uc2dc\uc911\uc740\ud589 \uae30\ubcf8\uae08\ub9ac<\/td>\n\uc5f0 3.2%<\/td>\n640,000\uc6d0<\/td>\n541,440\uc6d0<\/td>\n<\/tr>\n
\uc800\ucd95\uc740\ud589 \uae30\ubcf8\uae08\ub9ac<\/td>\n\uc5f0 3.4%<\/td>\n680,000\uc6d0<\/td>\n575,280\uc6d0<\/td>\n<\/tr>\n
\uc800\ucd95\uc740\ud589 \uc6b0\ub300\uae08\ub9ac \ud3ec\ud568<\/td>\n\uc5f0 4.0%<\/td>\n800,000\uc6d0<\/td>\n676,800\uc6d0<\/td>\n<\/tr>\n
\uc800\ucd95\uc740\ud589 \ud2b9\ud310 (\ud55c\uc815)<\/td>\n\uc5f0 4.5%<\/td>\n900,000\uc6d0<\/td>\n761,400\uc6d0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uc6b0\ub300\uae08\ub9ac\ub97c \ucc59\uae30\uba74 \uc2dc\uc911\uc740\ud589 \ub300\ube44 \uc5f0\uac04 \uc138\ud6c4 \uc57d 135,360\uc6d0 \uc774\uc0c1 \ucc28\uc774\uac00 \ub0a9\ub2c8\ub2e4.<\/p>\n

5,000\ub9cc \uc6d0 \uae30\uc900\uc774\uba74 \uc774 \ucc28\uc774\uac00 33\ub9cc~55\ub9cc \uc6d0\uc73c\ub85c \ubc8c\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n

\ub9e4\ub144 \uc313\uc774\ub294 \uae08\uc561\uc778 \uc148\uc785\ub2c8\ub2e4.<\/p>\n

\uc774\uc790 \uc18c\ub4dd\uc138 15.4%(\uc18c\ub4dd\uc138 14% + \uc9c0\ubc29\uc18c\ub4dd\uc138 1.4%)\ub294 \uc790\ub3d9\uc73c\ub85c \uc6d0\ucc9c\uc9d5\uc218\ub429\ub2c8\ub2e4.<\/p>\n

\uc5b4\ub5a4 \uc0c1\ud669\uc774\uba74 \uc800\ucd95\uc740\ud589 4% \uc608\uae08\uc774 \ub9de\uace0, \uc5b8\uc81c\ub294 \ub9de\uc9c0 \uc54a\ub098?<\/h2>\n

\u2714\ufe0f \uc774\ub7f0 \ubd84\uaed8 \ub9de\uc2b5\ub2c8\ub2e4<\/strong><\/p>\n

\uc608\uae08\uc790 \ubcf4\ud638 \ud55c\ub3c4(1\uac1c \uc800\ucd95\uc740\ud589\ub2f9 \uc6d0\uae08+\uc774\uc790 \ud569\uc0b0 5,000\ub9cc \uc6d0)\ub97c \uc774\ud574\ud558\uace0 \ud65c\uc6a9\ud558\ub294 \ubd84.<\/p>\n

\ube44\ub300\uba74 \uac00\uc785\uacfc \uc6b0\ub300 \uc870\uac74 \ucda9\uc871\uc5d0 \ubd80\ub2f4\uc774 \uc5c6\ub294 \ubd84.<\/p>\n

6\uac1c\uc6d4~1\ub144 \ub2e8\uae30\ub85c \uc5ec\uc720 \uc790\uae08\uc744 \uad74\ub9ac\ub824\ub294 \ubd84.<\/p>\n

\ub9de\uc9c0 \uc54a\uc744 \uc218 \uc788\ub294 \uacbd\uc6b0<\/strong><\/p>\n

5,000\ub9cc \uc6d0\uc744 \ucd08\uacfc\ud558\ub294 \uae08\uc561\uc744 \ud55c \uacf3\uc5d0 \uc608\uce58\ud558\ub824\ub294 \ubd84 \u2014 \ud55c\ub3c4 \ucd08\uacfc\ubd84\uc740 \ubcf4\ud638 \ub300\uc0c1 \ubc16\uc785\ub2c8\ub2e4.<\/p>\n

\uc911\ub3c4\ud574\uc9c0 \uac00\ub2a5\uc131\uc774 \uc788\ub294 \ubd84 \u2014 \uc911\ub3c4\ud574\uc9c0 \uc2dc \uc57d\uc815 \uae08\ub9ac\uc758 3050%\ub9cc \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc5f0 4% \uc0c1\ud488 \uae30\uc900 \uc2e4\uc9c8 \uae08\ub9ac\uac00 1.2<\/del>2.0%\uae4c\uc9c0 \ub5a8\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub2ec\ub7ec \uc790\uc0b0\uc744 \ubcf4\uc720 \uc911\uc774\ub77c\uba74 \ub2ec\ub7ec \uc608\uae08 \uac00\uc785 \uc740\ud589 \uae08\ub9ac \ube44\uad50 2026<\/a>\ub3c4 \ud568\uaed8 \ubcf4\uba74 \uc120\ud0dd \ud3ed\uc774 \ub113\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n

\ud1f4\uc9c1\uae08\uc774\ub098 \ubaa9\ub3c8 \uc6b4\uc6a9\uc744 \uace0\ubbfc \uc911\uc774\ub77c\uba74 \ud1f4\uc9c1\uc5f0\uae08 \uad6d\ucc44 \ud22c\uc790 9\uc6d4 \ubcc0\uacbd \ubc29\ubc95 2026\ub3c4 \ubcd1\ud589 \uac80\ud1a0\ud560 \ub9cc\ud569\ub2c8\ub2e4.<\/p>\n

\"\uc800\ucd95\uc740\ud589
\uc608\uae08\uc790 \ubcf4\ud638 \ud55c\ub3c4\uc640 \ub9cc\uae30 \ud6c4 \uae08\ub9ac \uc870\uac74\uae4c\uc9c0 \ubbf8\ub9ac \ud655\uc778\ud558\ub294 \uac83\uc774 \uc2e4\uc218\ub97c \uc904\uc785\ub2c8\ub2e4<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n

\uc800\ucd95\uc740\ud589 \uc608\uae08 \uac00\uc785 \uc804 \ud575\uc2ec \uccb4\ud06c\ud3ec\uc778\ud2b8 \u2014 \ub193\uce58\uae30 \uc26c\uc6b4 \ud3ec\uc778\ud2b8<\/h2>\n

\uae08\ub9ac \ube44\uad50 \uacf5\uc2dc \uba3c\uc800<\/strong> \u2014 \uc800\ucd95\uc740\ud589\uc911\uc559\ud68c \uae08\ub9ac\ube44\uad50\uacf5\uc2dc<\/a>\uc5d0\uc11c \uc804\uad6d \uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \uae08\ub9ac\ub97c \uc2e4\uc2dc\uac04 \uc870\ud68c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc608\uae08\uc790 \ubcf4\ud638 \ud55c\ub3c4 \ubd84\uc0b0<\/strong> \u2014 5,000\ub9cc \uc6d0 \ucd08\uacfc \uae08\uc561\uc740 \ubcf5\uc218\uc758 \uc800\ucd95\uc740\ud589\uc5d0 \ub098\ub220 \uc608\uce58\ud558\ub294 \ubc29\ubc95\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub9cc\uae30 \ud6c4 \uc790\ub3d9\uc5f0\uc7a5 \uae08\ub9ac \ud655\uc778<\/strong> \u2014 \ub9cc\uae30 \ud6c4 \uc790\ub3d9\uc5f0\uc7a5 \uc2dc \uadf8 \uc2dc\uc810\uc758 \uae08\ub9ac\uac00 \uc0c8\ub85c \uc801\uc6a9\ub429\ub2c8\ub2e4. \ud2b9\ud310 \uae08\ub9ac\ub85c \uac00\uc785\ud588\ub2e4\uba74 \ub9cc\uae30 \uc2dc \uc989\uc2dc \uc7ac\uac00\uc785 \uc5ec\ubd80\ub97c \uc810\uac80\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc138\ud6c4 \uc2e4\uc218\ub839\uc561 \uacc4\uc0b0<\/strong> \u2014 \uad11\uace0 \uae08\ub9ac\ub294 \uc138\uc804 \uae30\uc900\uc785\ub2c8\ub2e4. \uc774\uc790\uc5d0\uc11c 15.4%\ub97c \ube80 \uae08\uc561\uc774 \uc2e4\uc218\ub839\uc561\uc784\uc744 \uae30\uc5b5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc0c1\ud488 \uc57d\uad00 \uc0ac\uc804 \ud655\uc778<\/strong> \u2014 \uc6b0\ub300\uae08\ub9ac \uc870\uac74, \uc911\ub3c4\ud574\uc9c0\uc728, \uc790\ub3d9\uc5f0\uc7a5 \uc870\uac74\uc740 \ubc18\ub4dc\uc2dc \uc57d\uad00 \uc6d0\ubb38\uc5d0\uc11c \ud655\uc778\ud558\uc138\uc694. \uad11\uace0 \ubb38\uad6c\uc640 \uc2e4\uc81c \uc57d\uad00 \ub0b4\uc6a9\uc774 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774 \ub2e4\uc12f \uac00\uc9c0 \uc911 \ud558\ub098\ub77c\ub3c4 \ube60\uc9c0\uba74 \ub098\uc911\uc5d0 \uc544\uc26c\uc6b4 \uc21c\uac04\uc774 \uc624\uac8c \ub429\ub2c8\ub2e4.<\/p>\n

\n

\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 (FAQ)<\/h2>\n

Q. \uc800\ucd95\uc740\ud589 4% \uc608\uae08\uc774 2026\ub144 \uc9c0\uae08\ub3c4 \uac00\uc785 \uac00\ub2a5\ud55c\uac00\uc694?<\/strong><\/p>\n

2026\ub144 7\uc6d4 \uae30\uc900 \uc800\ucd95\uc740\ud589 \ud3c9\uade0 \uc815\uae30\uc608\uae08 \uae08\ub9ac\ub294 \uc5f0 3.0~3.5% \uc218\uc900\uc785\ub2c8\ub2e4. \uc6b0\ub300\uae08\ub9ac \uc870\uac74\uc744 \ubaa8\ub450 \ucda9\uc871\ud558\uac70\ub098 \ud2b9\ud310 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uba74 \uc5f0 4% \ub2ec\uc131\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc800\ucd95\uc740\ud589\uc911\uc559\ud68c \uae08\ub9ac\uacf5\uc2dc(fsb.or.kr<\/a>)\uc5d0\uc11c \ud604\uc7ac \uc0c1\ud488\uc744 \uc2e4\uc2dc\uac04\uc73c\ub85c \ud655\uc778\ud558\uc138\uc694.<\/p>\n

Q. \uc800\ucd95\uc740\ud589 \uc608\uae08\uc740 \uc548\uc804\ud55c\uac00\uc694?<\/strong><\/p>\n

\uc800\ucd95\uc740\ud589\uc740 \uc608\uae08\ubcf4\ud5d8\uacf5\uc0ac \ubcf4\ud638 \ub300\uc0c1\uc785\ub2c8\ub2e4. 1\uac1c \uc800\ucd95\uc740\ud589 \uae30\uc900 \uc6d0\uae08+\uc774\uc790 \ud569\uc0b0 5,000\ub9cc \uc6d0\uae4c\uc9c0 \ubcf4\ud638\ub429\ub2c8\ub2e4. \uc774 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\ub294 \uae08\uc561\uc740 \ubcf5\uc218 \uc800\ucd95\uc740\ud589\uc5d0 \ubd84\uc0b0 \uc608\uce58\ud558\ub294 \ubc29\ubc95\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

Q. \ube44\ub300\uba74 \uac00\uc785\uc774 \ucc3d\uad6c \uac00\uc785\ubcf4\ub2e4 \uae08\ub9ac\uac00 \ub192\uc740\uac00\uc694?<\/strong><\/p>\n

\ub300\ubd80\ubd84\uc758 \uc800\ucd95\uc740\ud589\uc740 \uc571\u00b7\uc778\ud130\ub137\ubc45\ud0b9 \uac00\uc785 \uace0\uac1d\uc5d0\uac8c 0.1~0.3%p\uc758 \ube44\ub300\uba74 \uc6b0\ub300\uae08\ub9ac\ub97c \uc801\uc6a9\ud569\ub2c8\ub2e4. \ub3d9\uc77c \uc0c1\ud488\uc774\ub77c\uba74 \ube44\ub300\uba74\uc774 \uc720\ub9ac\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

Q. \uc911\ub3c4\ud574\uc9c0\ud558\uba74 \uae08\ub9ac\uac00 \uc5bc\ub9c8\ub098 \ub5a8\uc5b4\uc9c0\ub098\uc694?<\/strong><\/p>\n

\uc0c1\ud488\ub9c8\ub2e4 \ub2e4\ub974\uc9c0\ub9cc \ud1b5\uc0c1 \uc57d\uc815 \uae08\ub9ac\uc758 3050% \uc218\uc900\uc758 \uc911\ub3c4\ud574\uc9c0 \uc774\uc728\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc5f0 4% \uc0c1\ud488 \uae30\uc900 \uc911\ub3c4\ud574\uc9c0 \uc2dc \uc2e4\uc9c8 \uae08\ub9ac\ub294 1.2<\/del>2.0%\ub85c \ub0ae\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac00\uc785 \uc804 \uc57d\uad00\uc5d0\uc11c \uc911\ub3c4\ud574\uc9c0\uc728\uc744 \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uc138\uc694.<\/p>\n

Q. \ud2b9\ud310 \uc0c1\ud488\uc740 \uc5b4\ub514\uc11c \ucc3e\ub098\uc694?<\/strong><\/p>\n

\uc800\ucd95\uc740\ud589\uc911\uc559\ud68c \uae08\ub9ac\uacf5\uc2dc \uc0ac\uc774\ud2b8(fsb.or.kr<\/a>) \ub610\ub294 SB\ud1a1\ud1a1\ud50c\ub7ec\uc2a4 \uc571\uc5d0\uc11c \uae08\ub9ac \ub192\uc740 \uc21c\uc73c\ub85c \uc815\ub82c\ud558\uba74 \ud2b9\ud310 \uc0c1\ud488\uc744 \ube60\ub974\uac8c \ubc1c\uacac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud310\uc740 \ud55c\uc815 \ud310\ub9e4\uc774\ubbc0\ub85c \uc870\uac74 \ud655\uc778 \ud6c4 \ube60\ub974\uac8c \uac00\uc785\ud558\ub294 \ud3b8\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n

Q. OK\uc800\ucd95\uc740\ud589\ucc98\ub7fc \uae30\ubcf8\uae08\ub9ac 4%\uc9dc\ub9ac \uc801\uae08\ub3c4 \uc788\ub098\uc694?<\/strong><\/p>\n

\ubcf4\ub3c4\uc5d0\uc11c \ud655\uc778\ub41c \uc0ac\ub840\ub85c, \uae30\ubcf8\uae08\ub9ac \uc5f0 4%(\uc138\uc804) + 30\ud68c\ucc28 \uc804\uc561 \ub0a9\uc785 \uc2dc \uc5f0 1%p \uc6b0\ub300\uae08\ub9ac\uac00 \uc801\uc6a9\ub41c \uc801\uae08 \uc0c1\ud488\uc774 \uc874\uc7ac\ud588\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc774\ub7f0 \uc0c1\ud488\uc740 \ud55c\uc815 \ucd9c\uc2dc\u00b7\uc120\ucc29\uc21c\uc774 \ub300\ubd80\ubd84\uc774\ubbc0\ub85c \uacf5\uc2dc \uc0ac\uc774\ud2b8\uc5d0\uc11c \ucd5c\uc2e0 \uc0c1\ud488\uc744 \uc9c1\uc811 \ud655\uc778\ud558\ub294 \ubc29\ubc95\uc774 \uac00\uc7a5 \uc815\ud655\ud569\ub2c8\ub2e4.<\/p>\n

Q. \uc5ec\ub7ec \uc800\ucd95\uc740\ud589\uc5d0 \ubd84\uc0b0 \uc608\uce58\ud558\uba74 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/strong><\/p>\n

\uc608\uae08\uc790 \ubcf4\ud638 \ud55c\ub3c4\ub294 \uc800\ucd95\uc740\ud589\ubcc4\ub85c \uac01\uac01 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 A\uc800\ucd95\uc740\ud589\uc5d0 5,000\ub9cc \uc6d0, B\uc800\ucd95\uc740\ud589\uc5d0 5,000\ub9cc \uc6d0\uc744 \ub098\ub220 \uc608\uce58\ud558\uba74 \uac01\uac01 \uc804\uc561 \ubcf4\ud638 \ub300\uc0c1\uc774 \ub429\ub2c8\ub2e4. \ubaa9\ub3c8\uc774 \ud074\uc218\ub85d \ubd84\uc0b0 \uc608\uce58 \uc804\ub7b5\uc774 \uc548\uc804\uc131 \uce21\uba74\uc5d0\uc11c \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n

\n

\ub9c8\ubb34\ub9ac<\/h2>\n

\uae08\ub9ac \ud558\ub77d\uae30\uc77c\uc218\ub85d \uc870\uac74 \ud558\ub098 \ub354 \ucc59\uae30\ub294 \uac8c \uc2e4\uc9c8 \uc218\uc775\uc744 \ub9cc\ub4e4\uc5b4 \uc90d\ub2c8\ub2e4.<\/p>\n

\uc5f0 4% \uc218\uc900\uc740 \uc9c0\uae08\ub3c4 \uc870\uac74\uc744 \ub9de\ucd94\uba74 \ub2ff\uc744 \uc218 \uc788\ub294 \uc22b\uc790\uc785\ub2c8\ub2e4.<\/p>\n

\uc800\ucd95\uc740\ud589 4% \uc608\uae08 \uac00\uc785 \ubc29\ubc95 \ucd94\ucc9c\uc744 \ucc3e\ub294 \ubd84\uc774\ub77c\uba74, \uc800\ucd95\uc740\ud589\uc911\uc559\ud68c \uacf5\uc2dc\ub97c \uba3c\uc800 \ud3bc\uccd0\ubcf4\uace0 \ub0b4 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uc6b0\ub300 \uc870\uac74\uc778\uc9c0 \ud55c \uac00\uc9c0\uc529 \uccb4\ud06c\ud574 \ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \ube44\ub300\uba74 \uac00\uc785\uacfc \uc790\ub3d9\uc774\uccb4 \uc5f0\uacb0\ub9cc\uc73c\ub85c\ub3c4 \uae30\ubcf8\uae08\ub9ac \ub300\ube44 0.3~0.5%p\ub97c \uc190\uc27d\uac8c \ucd94\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ucd9c\ucc98: \uc800\ucd95\uc740\ud589\uc911\uc559\ud68c \uae08\ub9ac\ube44\uad50\uacf5\uc2dc(fsb.or.kr), \uc608\uae08\ubcf4\ud5d8\uacf5\uc0ac(kdic.or.kr)<\/p>\n

\ucc38\uace0\uc790\ub8cc<\/h2>\n