As interest rates increased, it became difficult to make money by investing in stocks, real estate and coins.
I don’t want to lose money, and when I look for a place to get interest, I find a parking account.
Let’s take a look at the parking account for a short period of time and interest at the deposit level.
<Table of Contents>
1. What is a parking account?
2. Check this out.
3. Comparison site
What is a parking account?
Parking bank accounts are usually one of the types of deposits, meaning a bank account that receives high interest even if you deposit money briefly and can easily deposit and withdraw money.
It is attracting a lot of attention in the era of high-interest rates because it has a shorter deposit period and can earn more interest than ordinary bank accounts.
Each bank has a different interest rate and limit, so you must check it.
Check this out.
▶ Interest rates
Interest rate comparisons are essential because they are depositing for high interest rates for a short period of time.
It is also necessary to check whether or not the preferential interest rate is applied and the conditions.
If the interest rate offered by the banking sector is high, it may consist of a “basic interest rate + preferential interest rate”.
If you do not meet the conditions for applying the preferential interest rate, you can only receive the basic interest rate, so you should also check the conditions.
▶ Maximum interest rate applicable limit
It’s a relationship that you have to know in order to increase your money.
A: Amount paid
r: Interest Rate
– n : duration
In order to make a lot of money, you have to keep the period long, whether the amount you pay is large or the interest rate (interest rate) is high.
The maximum interest rate applicable limit is to focus on A (payment).
In other words, the more money you put in, the larger the amount you will receive later, so it’s better to deposit more.
However, the deposit limit varies from bank to bank.
It is between 10 million won and 50 million won for savings banks, and hundreds of millions for Toss and K-Bank.
Even with the same interest rate, the interest payment varies depending on the deposit, so you need to check it.
▶ Whether depositor protection is applied
Usually, banks’ financial products apply depositor protection up to 50 million won.
In some cases, the CMA bankbook of securities companies does not protect depositors, so it is necessary to check whether the product manual states that depositors are protected.
▶ Interest Payment Time
Considering the nature of the parking account, it is also necessary to find out when you can receive interest.
In the case of Toss Bank, it is paid on a daily basis, and each product has a different characteristics such as monthly payment and quarterly payment.
▶ BIS
BIS refers to the ratio of equity capital in the financial sector to risky assets.
The higher the figure, the higher the ratio of equity capital, so it can be seen as a stable place.
Savings banks with more than 1 trillion won have a minimum compliance rate of 8%.
integrated comparative disclosure system for financial instruments
finlife.fss.or.kr
You can choose the amount of savings and the period and search according to the conditions.
▶ Federation of Banks
– URL: https://portal.kfb.or.kr/compare/receiving_deposit_3.php
National Federation of Banks Consumer Portal
Financial product information, interest rate/fee comparative disclosure, financial service information, consumer information, financial education, voice phishing information
portal.kfb.or.kr
You can select the primary bank or the bank you wish to join and search.
You can compare interest rates for each savings bank by searching through [View Interest Rates] – [Deposits].