- 신한은행 주택청약 통장 해지 2가지 방법
- 주택청약 통장은 주택청약을 신청하기 위한 자격 조건 중 하나로 내 집 마련에 필요한 통장입니다. 주택청약 통장을 해지해야 할지 고민하시거나 해지했을 때 어떤 불이익이 있는지 알아보고, 신한은행 주택청약 통장 해지 2가지 방법을 이어서 설명해 드리겠습니다.
If you are considering closing your Housing Subscription Savings Account, this article will help. We will explain in detail the various situations that may arise when closing your Housing Subscription Savings Account and the points you should be aware of.
Why would someone want to close their Housing Subscription Savings Account?
- High competition rate: If the chances of winning the lottery seem slim and you want to give up.
- Long subscription period: If you feel you won't be able to buy a house in a short time and are feeling frustrated.
- Changes in financial circumstances: If you need liquidity due to unexpected expenses.
- Changes in the housing subscription system: If you believe that it is no longer advantageous due to changes in the system.
What are the disadvantages of closing a Housing Subscription Savings Account?
- Loss of subscription eligibility: You will no longer be able to participate in housing subscriptions.
- Resetting of subscription points: The points you have accumulated will disappear, weakening your competitiveness in housing subscriptions.
- Loss of income tax deduction benefits: You will not be able to receive income tax deduction benefits during year-end tax settlements.
- Early termination penalty: A penalty may be imposed if you close the account within a certain period.
How to close a Shinhan Bank Housing Subscription Savings Account?
- Mobile banking: You can easily close your account through the Shinhan SOL app.
- Visit a branch: Visit a branch with your ID card to apply for closure.
Things to keep in mind before closing your Housing Subscription Savings Account!
- Collateral loans: In some cases, you can get a loan using your Housing Subscription Savings Account as collateral.
- Youth Housing Dream Subscription Savings Account: This is a product that offers special benefits, so you should make a careful decision.
- Changes in the system: The housing subscription system may change frequently, so it is a good idea to check the latest information.
Are there any alternatives to closing my Housing Subscription Savings Account?
- Deferral: How about waiting and watching the situation before closing the account immediately?
- Collateral loan: If you need liquidity, consider taking out a loan using your Housing Subscription Savings Account as collateral.
- Consultation with an expert: Consult with an expert to find a solution that suits you.
Closing your Housing Subscription Savings Account: Make a careful decision!
Closing your Housing Subscription Savings Account is a decision that requires careful consideration. We hope you will carefully consider this before closing your account and consult with an expert to make the best choice.
FAQ
- Q. If I close my Housing Subscription Savings Account, will I not be able to win the lottery?
- A. Yes, that's right. You must have a Housing Subscription Savings Account to participate in the lottery.
- Q. If I close my Housing Subscription Savings Account, will my subscription period be reset?
- A. Yes, that's right. If you re-subscribe after closing, the subscription period will start anew.
- Q. If I close my Housing Subscription Savings Account, will I not receive any income tax deduction?
- A. Yes, that's right. You will not be able to receive income tax deduction benefits from that year onwards.
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