{"id":92829,"date":"2024-04-26T10:26:58","date_gmt":"2024-04-26T08:26:58","guid":{"rendered":"https:\/\/gyrocarpus.com\/?p=92829"},"modified":"2024-04-26T10:27:27","modified_gmt":"2024-04-26T08:27:27","slug":"2024%eb%85%84-%eb%8f%85%ec%9d%bc-%ea%b8%88%ec%9c%b5%ec%83%81%ed%92%88-%ed%8a%b8%eb%a0%8c%eb%93%9c-%ea%b2%bd%ea%b8%b0-%eb%91%94%ed%99%94-%ec%86%8d-%ec%95%88%ec%a0%95%ec%84%b1-%ec%b6%94%ea%b5%ac","status":"publish","type":"post","link":"https:\/\/gyrocarpus.com\/archives\/92829","title":{"rendered":"2024\ub144 \ub3c5\uc77c \uae08\uc735\uc0c1\ud488 \ud2b8\ub80c\ub4dc- \uacbd\uae30 \ub454\ud654 \uc18d \uc548\uc815\uc131 \ucd94\uad6c"},"content":{"rendered":"\n<div style=\"height:42px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>2024\ub144 \uacbd\uc81c\uc131\uc7a5\uc774 \ub454\ud654\ud558\ub294 \uac00\uc6b4\ub370 \ub3c5\uc77c\uc778\ub4e4\uc740 \uc548\uc815\uc801\uc778 \ud22c\uc790\ub97c \uc120\ud638\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uac1c\uc778 \ubc14\uc6b0\uc288\ud30c <a href=\"https:\/\/www.bausparkassen.de\/\" target=\"_blank\" rel=\"noreferrer noopener\">\ud611\ud68c<\/a>\uc758(Verband der privaten Bausparkassen e.V.) \uc5f0\ub840 <a href=\"https:\/\/www.bausparkassen.de\/blog\/2024\/04\/24\/top-geldanlagen-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">\uc124\ubb38\uc870\uc0ac<\/a>\uc5d0 \ub530\ub974\uba74, \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488 \uc911 \uc77c\ubc18\uc608\uae08\uacc4\uc88c(Girokonto)\uac00 \uac00\uc7a5 \uc778\uae30\uac00 \uc788\uc5c8\uc73c\uba70, \uc8fc\ud0dd\uccad\uc57d \uc800\ucd95(Bausparvertrag)\ub3c4 \uc548\uc815\uc801\uc778 \uc120\ud638\ub3c4\ub97c \uc720\uc9c0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:43px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"1000\" height=\"667\" src=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/shutterstock_555948472.jpg\" alt=\"\" class=\"wp-image-92830\" srcset=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/shutterstock_555948472.jpg 1000w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/shutterstock_555948472-300x200.jpg 300w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/shutterstock_555948472-768x512.jpg 768w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/shutterstock_555948472-800x534.jpg 800w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/shutterstock_555948472-600x400.jpg 600w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/shutterstock_555948472-750x500.jpg 750w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><figcaption>\u24d2 Andrey_Popov \/ shutterstock<\/figcaption><\/figure><\/div>\n\n\n\n<div style=\"height:46px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\uc77c\ubc18\uc608\uae08\uacc4\uc88c(Girokonto)\uc758 \ub3c5\ubcf4\uc801\uc778 \uc778\uae30<\/strong><\/p>\n\n\n\n<p>\uc77c\ubc18\uc608\uae08\uacc4\uc88c\ub294 41%\uc758 \uc120\ud0dd\ub960\ub85c \uc804\ub144 \ub300\ube44 3% \uc99d\uac00\ud558\uba70 \ub3c5\uc77c\uc778\ub4e4\uc774 \uac00\uc7a5 \uc120\ud638\ud558\ub294 \uc800\ucd95 \uc218\ub2e8\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uacbd\uc81c\uc801 \ubd88\ud655\uc2e4\uc131 \uc18d\uc5d0\uc11c \uc804\ud1b5\uc801\uc778 \uc800\ucd95 \ubc29\ubc95\uc5d0 \ub300\ud55c \uc2e0\ub8b0\uac00 \uc5ec\uc804\ud568\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:39px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div style=\"margin-bottom: 8px; \" id=\"guten-1591599215\"><a data-no-instant=\"1\" href=\"https:\/\/gyrocarpus.com\/jobs\" rel=\"noopener\" class=\"adv-link\" target=\"_blank\" aria-label=\"\uad6c\ucf54 \uad6c\uc778 \uad11\uace0 \ubc30\ub108\"><img loading=\"lazy\" src=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2023\/03\/\uad6c\ucf54-\uad6c\uc778-\uad11\uace0-\ubc30\ub108.jpg\" alt=\"\"  srcset=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2023\/03\/\uad6c\ucf54-\uad6c\uc778-\uad11\uace0-\ubc30\ub108.jpg 500w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2023\/03\/\uad6c\ucf54-\uad6c\uc778-\uad11\uace0-\ubc30\ub108-300x93.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" width=\"500\" height=\"155\"   \/><\/a><\/div>\n\n\n<div style=\"height:42px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\uace0\uc815\ub41c \uc218\uc775\uc744 \uc81c\uacf5\ud558\ub294 \uc800\ucd95 \uc218\ub2e8\uc758 \uc120\ud638<\/strong><\/p>\n\n\n\n<p>\ub450 \ubc88\uc9f8\ub85c \uc778\uae30 \uc788\ub294 \uc800\ucd95 \uc218\ub2e8\uc740 \uc804\ub144 \ub300\ube44 2% \uc99d\uac00\ud55c 35%\uc758 \uc801\uae08(Sparbuch)\uc785\ub2c8\ub2e4. \ub4a4\uc774\uc5b4 \ub2e8\uae30 \uae08\uc735\uc0c1\ud488\uc778 \uc77c\uc77c \uc608\uae08(Tagesgeldkonten, \ub9e4\uc77c \ubcc0\ub3d9\ud558\ub294 \uc774\uc790\uc728 \uc801\uc6a9), \uc815\uae30\uc608\uae08(Festgeldkonten, \uc815\ud574\uc9c4 \uae30\uac04 \uace0\uc815\ub41c \uc774\uc790\uc728\ub85c \uc800\ucd95), \uc57d\uc815 \uc608\uae08(Termingelder, \ud2b9\uc815 \uae30\uac04\uc5d0 \uac78\uccd0 \uc774\uc790 \uc9c0\uae09)\uc740 28%\ub85c \uc138\ubc88\uc9f8 \uc790\ub9ac\uc5d0 \uc62c\ub790\uc2b5\ub2c8\ub2e4. \uc774\ub4e4\uc740 \uc804\ub144 \ub300\ube44 8% \uc99d\uac00\ud558\uc5ec \uc9c0\ub09c\ud574 7\uc704\uc5d0 \uba38\ubb3c\ub800\ub358 \uac83\uc5d0 \ube44\ud574 \ud06c\uac8c \uc0c1\uc2b9\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:34px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"579\" height=\"480\" src=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/KakaoTalk_20240426_095405380.jpg\" alt=\"\" class=\"wp-image-92831\" srcset=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/KakaoTalk_20240426_095405380.jpg 579w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/KakaoTalk_20240426_095405380-300x249.jpg 300w\" sizes=\"(max-width: 579px) 100vw, 579px\" \/><figcaption> \ucd9c\ucc98: Verband der privaten Bausparkassen e.V. <\/figcaption><\/figure><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\uc548\uc815\uc131 \ucd94\uad6c\ud558\ub294 \ud22c\uc790 \ud615\ud0dc<\/strong><\/p>\n\n\n\n<p>\ub3c5\uc77c\uc778\ub4e4\uc740 \uc5f0\uae08 \ubc0f \uc790\ubcf8 \uc0dd\uba85\ubcf4\ud5d8(Renten- und Kapitallebensversicherungen)\uacfc \ud22c\uc790\ud380\ub4dc(Investmentfonds)\uc5d0 \ub300\ud574\uc11c\ub3c4 \uc9c0\uc18d\uc801\uc778 \uad00\uc2ec\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4. \ub450 \uc0c1\ud488 \ubaa8\ub450 27%\uc758 \uad00\uc2ec\uc744 \ubc1b\uc73c\uba70 \uac01\uac01 3%\uc640 5% \uc99d\uac00\ud574 \uc804\ub144 \ub300\ube44 \uc131\uc7a5\uc138\ub97c \ubcf4\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:57px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\uc8fc\uc2dd\uacfc \ubd80\ub3d9\uc0b0\uc758 \ubcc0\ub3d9\uc131<\/strong><\/p>\n\n\n\n<p>\uc8fc\uc2dd\uacfc \ubd80\ub3d9\uc0b0\uc740 \uac01\uac01 23%\uc758 \uc120\ud0dd\ub960\ub85c \uacf5\ub3d9 5\uc704\ub97c \ucc28\uc9c0\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd\uc740 \uc9c0\ub09c\ud574 \ub300\ube44 3% \uc0c1\uc2b9\ud588\uc9c0\ub9cc, \ubd80\ub3d9\uc0b0\uc740 2% \uac10\uc18c\ud558\uc5ec \uc0c1\ubc18\ub41c \ucd94\uc138\ub97c \ub098\ud0c0\ub0c8\uc2b5\ub2c8\ub2e4. \ub192\uc544\uc9c4 \uc774\uc790\uc728\uacfc \ubd80\uc871\ud55c \uc8fc\ud0dd\uc73c\ub85c \uc778\ud55c \uc5b4\uca54 \uc218 \uc5c6\ub294 \uac10\uc18c\ub85c \ubcf4\uc5ec\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:47px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div  class=\"jeg_postblock_3 jeg_postblock jeg_module_hook jeg_pagination_disable jeg_col_2o3 jnews_module__0_671a451ec2a81   \" data-unique=\"jnews_module__0_671a451ec2a81\">\n                <div class=\"jeg_block_heading jeg_block_heading_6 jeg_subcat_right\">\n                    <h3 class=\"jeg_block_title\"><span>\ud568\uaed8 \uc77d\uc73c\uba74 \uc88b\uc740 \ub274\uc2a4<\/span><\/h3>\n                    \n                <\/div>\n                <div class=\"jeg_posts jeg_block_container\">\n                \n                <div class=\"jeg_posts jeg_load_more_flag\">\n                <article class=\"jeg_post jeg_pl_md_2 format-standard\">\n                <div class=\"jeg_thumb\">\n                    \n                    <a href=\"https:\/\/gyrocarpus.com\/archives\/92620\"><div class=\"thumbnail-container animate-lazy  size-715 \"><img width=\"350\" height=\"250\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAP\/\/\/wAAACH5BAEAAAAALAAAAAABAAEAAAICRAEAOw==\" class=\"lazyload wp-post-image\" alt=\"\ub3c5\uc77c \uc8fc\uac70 \uc704\uae30 \uc2ec\ud654 &#8211; \uc784\ub300\ub8cc \uc0c1\uc2b9\uacfc \uc8fc\ud0dd \uacf5\uae09 \ubd80\uc871, 2024 \ub3c5\uc77c \uc784\ub300 \uc2dc\uc7a5\uc758 \uc0c1\ud669\uc740?\" loading=\"lazy\" data-full-width=\"1000\" data-full-height=\"667\" data-src=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/04\/shutterstock_1326567230-350x250.jpg\" data-sizes=\"auto\" data-expand=\"700\" \/><\/div><\/a>\n                <\/div>\n                <div class=\"jeg_postblock_content\">\n                    <h3 class=\"jeg_post_title\">\n                        <a href=\"https:\/\/gyrocarpus.com\/archives\/92620\">\ub3c5\uc77c \uc8fc\uac70 \uc704\uae30 \uc2ec\ud654 &#8211; \uc784\ub300\ub8cc \uc0c1\uc2b9\uacfc \uc8fc\ud0dd \uacf5\uae09 \ubd80\uc871, 2024 \ub3c5\uc77c \uc784\ub300 \uc2dc\uc7a5\uc758 \uc0c1\ud669\uc740?<\/a>\n                    <\/h3>\n                    <div class=\"jeg_post_meta\"><div class=\"jeg_meta_date\"><a href=\"https:\/\/gyrocarpus.com\/archives\/92620\"><i class=\"fa fa-clock-o\"><\/i> 16\/04\/2024<\/a><\/div><div class=\"jeg_meta_comment\"><a href=\"https:\/\/gyrocarpus.com\/archives\/92620#comments\" ><i class=\"fa fa-comment-o\"><\/i> 0 <\/a><\/div><\/div>\n                    <div class=\"jeg_post_excerpt\">\n                        <p>\ucd5c\uadfc \uba87 \ub144\uac04 \ub3c5\uc77c \uc804\uc5ed\uc5d0\uc11c \uc784\ub300\ub8cc\uac00 \uae09\ub4f1\ud558\uba74\uc11c \uc8fc\uac70 \ube44\uc6a9\uc774 \ud06c\uac8c \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc8fc\ud0dd \uacf5\uae09\uc740 \uc774\ub7ec\ud55c \uc218\uc694\ub97c \ucda9\uc871\uc2dc\ud0a4\uc9c0 \ubabb\ud558\uace0 \ub290\ub9ac\uac8c \uc9c4\ud589\ub418\uace0...<\/p>\n                    <\/div>\n                <\/div>\n            <\/article><article class=\"jeg_post jeg_pl_md_2 format-standard\">\n                <div class=\"jeg_thumb\">\n                    \n                    <a href=\"https:\/\/gyrocarpus.com\/archives\/90719\"><div class=\"thumbnail-container animate-lazy  size-715 \"><img width=\"350\" height=\"250\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAP\/\/\/wAAACH5BAEAAAAALAAAAAABAAEAAAICRAEAOw==\" class=\"lazyload wp-post-image\" alt=\"\ub3c5\uc77c\uc778 \ud3c9\uade0 \uc800\ucd95 \uae08\uc561\uacfc \uc0c8\ud574 \uc7ac\ud14c\ud06c \uc804\ub7b5\" loading=\"lazy\" data-full-width=\"1000\" data-full-height=\"750\" data-src=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2024\/01\/shutterstock_1933937894-350x250.jpg\" data-sizes=\"auto\" data-expand=\"700\" \/><\/div><\/a>\n                <\/div>\n                <div class=\"jeg_postblock_content\">\n                    <h3 class=\"jeg_post_title\">\n                        <a href=\"https:\/\/gyrocarpus.com\/archives\/90719\">\ub3c5\uc77c\uc778 \ud3c9\uade0 \uc800\ucd95 \uae08\uc561\uacfc \uc0c8\ud574 \uc7ac\ud14c\ud06c \uc804\ub7b5<\/a>\n                    <\/h3>\n                    <div class=\"jeg_post_meta\"><div class=\"jeg_meta_date\"><a href=\"https:\/\/gyrocarpus.com\/archives\/90719\"><i class=\"fa fa-clock-o\"><\/i> 02\/01\/2024<\/a><\/div><div class=\"jeg_meta_comment\"><a href=\"https:\/\/gyrocarpus.com\/archives\/90719#comments\" ><i class=\"fa fa-comment-o\"><\/i> 0 <\/a><\/div><\/div>\n                    <div class=\"jeg_post_excerpt\">\n                        <p>\uc5b4\ub290\ub367 \uc0c8\ud574\uac00 \ubc1d\uc558\uc2b5\ub2c8\ub2e4. \uc0c8\ud574\uc5d0\ub294 \ub9ce\uc740 \ubd84\uaed8\uc11c \uc0c8\ub85c\uc6b4 \uacc4\ud68d\uacfc \ubaa9\ud45c\ub97c \uc138\uc6b0\uc168\uc744\uac70\ub85c \uc0dd\uac01\ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \uc7ac\ud14c\ud06c \uacc4\ud68d\uc774 \ube60\uc9c8 \uc218 \uc5c6\uc744 \ud150\ub370\uc694. \uc9c0\ub09c \ud55c...<\/p>\n                    <\/div>\n                <\/div>\n            <\/article>\n            <\/div>\n                <div class='module-overlay'>\n                <div class='preloader_type preloader_circle'>\n                    <div class=\"module-preloader jeg_preloader dot\">\n                        <span><\/span><span><\/span><span><\/span>\n                    <\/div>\n                    <div class=\"module-preloader jeg_preloader circle\">\n                        <div class=\"jnews_preloader_circle_outer\">\n                            <div class=\"jnews_preloader_circle_inner\"><\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"module-preloader jeg_preloader square\">\n                        <div class=\"jeg_square\"><div class=\"jeg_square_inner\"><\/div><\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <\/div>\n            <div class=\"jeg_block_navigation\">\n                <div class='navigation_overlay'><div class='module-preloader jeg_preloader'><span><\/span><span><\/span><span><\/span><\/div><\/div>\n                \n                \n            <\/div>\n                \n                <script>var jnews_module__0_671a451ec2a81 = {\"header_icon\":\"\",\"first_title\":\"\\ud568\\uaed8 \\uc77d\\uc73c\\uba74 \\uc88b\\uc740 \\ub274\\uc2a4\",\"second_title\":\"\",\"url\":\"\",\"header_type\":\"heading_6\",\"header_background\":\"\",\"header_secondary_background\":\"\",\"header_text_color\":\"\",\"header_line_color\":\"\",\"header_accent_color\":\"\",\"header_filter_category\":\"\",\"header_filter_author\":\"\",\"header_filter_tag\":\"\",\"header_filter_text\":\"All\",\"post_type\":\"post\",\"content_type\":\"all\",\"number_post\":4,\"post_offset\":0,\"unique_content\":\"disable\",\"include_post\":\"92620,90719\",\"exclude_post\":\"\",\"include_category\":\"\",\"exclude_category\":\"\",\"include_author\":\"\",\"include_tag\":\"\",\"exclude_tag\":\"\",\"w2dc-category\":\"\",\"w2dc-location\":\"\",\"w2dc-tag\":\"\",\"product_cat\":\"\",\"product_tag\":\"\",\"sort_by\":\"latest\",\"date_format\":\"default\",\"date_format_custom\":\"Y\\\/m\\\/d\",\"excerpt_length\":20,\"excerpt_ellipsis\":\"...\",\"force_normal_image_load\":\"\",\"pagination_mode\":\"disable\",\"pagination_nextprev_showtext\":\"\",\"pagination_number_post\":4,\"pagination_scroll_limit\":0,\"ads_type\":\"disable\",\"ads_position\":1,\"ads_random\":\"\",\"ads_image\":\"\",\"ads_image_tablet\":\"\",\"ads_image_phone\":\"\",\"ads_image_link\":\"\",\"ads_image_alt\":\"\",\"ads_image_new_tab\":\"\",\"google_publisher_id\":\"\",\"google_slot_id\":\"\",\"google_desktop\":\"auto\",\"google_tab\":\"auto\",\"google_phone\":\"auto\",\"content\":\"\",\"ads_bottom_text\":\"\",\"boxed\":\"\",\"boxed_shadow\":\"\",\"el_id\":\"\",\"el_class\":\"\",\"scheme\":\"\",\"column_width\":\"auto\",\"title_color\":\"\",\"accent_color\":\"\",\"alt_color\":\"\",\"excerpt_color\":\"\",\"css\":\"\",\"paged\":1,\"column_class\":\"jeg_col_2o3\",\"class\":\"jnews_block_3\"};<\/script>\n            <\/div>\n<hr \/>\n<p>\u00a0<\/p>\n\n\n<p><strong>\uc8fc\ud0dd\uc800\ucd95(\ubc14\uc6b0\uc288\ud30c, Bausparvertrag)\uc758 \uafb8\uc900\ud55c \uc120\ud638<\/strong><\/p>\n\n\n\n<p>\ubc14\uc6b0\uc288\ud30c\ub294 \uc804\ub144 \ub300\ube44 1% \uac10\uc18c\ud55c 22%\uc758 \ud22c\uc790\uc728\uc744 \ubcf4\uc600\uc9c0\ub9cc, \uc5ec\uc804\ud788 \uc548\uc815\uc801\uc778 \ud22c\uc790 \uc218\ub2e8\uc73c\ub85c \uac04\uc8fc\ud569\ub2c8\ub2e4. \uc800\ucd95 \ub2e8\uacc4\uc5d0\uc11c \uc774\uc790\ubcf4\ub2e4 \uc5f0\uacc4\ub41c \uc800\uae08\ub9ac \ub300\ucd9c \uc774\uc790\uac00 \uc774\ub97c \uc120\ud0dd\ud558\ub294 \uc911\uc694\ud55c \ud61c\ud0dd \uc694\uc18c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:52px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ub9ac\uc2a4\ud130 \uc5f0\uae08(Riester-Rente)\uacfc \uae30\ud0c0 \ud22c\uc790 \uc635\uc158<\/strong><\/p>\n\n\n\n<p>\ub9ac\uc2a4\ud130 \uc5f0\uae08(Riester-Rente)\uc740 3% \uc0c1\uc2b9\ud55c 20%\uc758 \uc120\ud0dd\ub960\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8, \uace0\uc815\uae08\ub9ac\ucc44\uad8c(Festverzinsliche Wertpapiere)\uc740 \ub9c8\uc9c0\ub9c9 \uc790\ub9ac\ub97c \uc720\uc9c0\ud558\uba74\uc11c\ub3c4 4% \uc99d\uac00\ud558\uc5ec 12%\ub97c \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud22c\uc790\uc790\ub4e4\uc758 \uc120\ud638 \ub3d9\ud5a5<\/strong><\/p>\n\n\n\n<p>\ubbfc\uac04 \uac74\ucd95\ud611\ud68c(Verband der privaten Bausparkassen e.V.)\uc758 \ub300\ud45c Christian K\u00f6nig\uc740 &#8220;\ubd80\uc9c4\ud55c \uacbd\uc81c \uc131\uc7a5 \uc18d\uc5d0\uc11c \uad6d\ubbfc\ub4e4\uc740 \ub3c8\uc744 \ubaa8\uc73c\ub294 \uac83\uc744 \uc120\ud638\ud558\uba70, \uc548\uc815\uc131\uacfc \ub2e8\uae30\uac04\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\ub294 \uc790\uc0b0\uc774 \uc800\ucd95\uc758 \uc8fc\uc694 \ub3d9\uae30&#8221;\ub77c\uace0 \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4. \ub610\ud55c &#8220;\uae08\uc735\uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \ub54c \uc0ac\ub78c\ub4e4\uc740 \ub354 \ub192\uc740 \uc774\uc790\uc728\uc744 \ucd94\uad6c\ud558\uba70, \ubc14\uc6b0\uc288\ud30c\uc640 \uac19\uc740 \uc0c1\ud488\uc5d0\uc11c\ub294 \ucd94\uac00 \ud61c\ud0dd\uc744 \uc911\uc694\ud558\uac8c \uc0dd\uac01\ud55c\ub2e4&#8221;\uace0 \ub367\ubd99\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:77px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul><li>\uc791\uc131: Yun<\/li><li>\u24d2 \uad6c\ud150\ud0c1\ucf54\ub9ac\uc544(http:\/\/<a href=\"http:\/\/www.gyrocarpus.com\" target=\"_blank\" rel=\"noreferrer noopener\">www.gyrocarpus.com<\/a>), \ubb34\ub2e8\uc804\uc7ac \ubc0f \uc7ac\ubc30\ud3ec \uae08\uc9c0<\/li><li>\uae30\uc0ac\uc5d0 \uc218\uc815\uc774 \ud544\uc694\ud55c \ubd80\ubd84\uc774 \uc788\uac70\ub098, \ucd94\uac00\ub85c \uae30\uc0ac\ub85c \uc791\uc131\ub410\uc73c\uba74 \ud558\ub294 \ubd80\ubd84\uc774 \uc788\ub2e4\uba74 \uba54\uc77c\ub85c \ubb38\uc758\uc8fc\uc138\uc694 (\ubb38\uc758 \uba54\uc77c: <a href=\"mailto:\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>)<\/li><\/ul>\n\n\n<hr \/>\n<ul>\n<li>\ub3c5\uc77c \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uc704\ud55c \ub300\ucd9c \uc0c1\ub2f4 \ubc0f \uc774\uc790\uc728 \uad00\ub828 \ubb38\uc758: Post Bank \u2013 \ud53c\ub09c\uce20 \ubca0\ub77c\ud130 \u2013 \uc774\uc6a9\uc8fc \uc2e4\uc7a5 (E: yong-ju.lee@postbank.de \/ M: 0176 4594 0144 )<\/li>\n<\/ul>\n\n<hr \/>\n<p>\u00a0<\/p>","protected":false},"excerpt":{"rendered":"<p>2024\ub144 \uacbd\uc81c\uc131\uc7a5\uc774 \ub454\ud654\ud558\ub294 \uac00\uc6b4\ub370 \ub3c5\uc77c\uc778\ub4e4\uc740 \uc548\uc815\uc801\uc778 \ud22c\uc790\ub97c \uc120\ud638\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uac1c\uc778 \ubc14\uc6b0\uc288\ud30c \ud611\ud68c\uc758(Verband der privaten Bausparkassen e.V.) \uc5f0\ub840 \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488 \uc911 \uc77c\ubc18\uc608\uae08\uacc4\uc88c(Girokonto)\uac00 \uac00\uc7a5 \uc778\uae30\uac00 \uc788\uc5c8\uc73c\uba70, \uc8fc\ud0dd\uccad\uc57d \uc800\ucd95(Bausparvertrag)\ub3c4 \uc548\uc815\uc801\uc778 \uc120\ud638\ub3c4\ub97c \uc720\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uc77c\ubc18\uc608\uae08\uacc4\uc88c(Girokonto)\uc758 \ub3c5\ubcf4\uc801\uc778 \uc778\uae30 \uc77c\ubc18\uc608\uae08\uacc4\uc88c\ub294 41%\uc758 \uc120\ud0dd\ub960\ub85c \uc804\ub144 \ub300\ube44 3% \uc99d\uac00\ud558\uba70 \ub3c5\uc77c\uc778\ub4e4\uc774 \uac00\uc7a5 \uc120\ud638\ud558\ub294 \uc800\ucd95 \uc218\ub2e8\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uacbd\uc81c\uc801 \ubd88\ud655\uc2e4\uc131 \uc18d\uc5d0\uc11c \uc804\ud1b5\uc801\uc778 \uc800\ucd95 \ubc29\ubc95\uc5d0 [&hellip;]<\/p>\n","protected":false},"author":141,"featured_media":92830,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[578,2581,3191],"tags":[5057,8063,1825,1386,9158,824,10689],"acf":[],"yoast_head":"\n<title>2024\ub144 \ub3c5\uc77c \uae08\uc735\uc0c1\ud488 \ud2b8\ub80c\ub4dc- \uacbd\uae30 \ub454\ud654 \uc18d \uc548\uc815\uc131 \ucd94\uad6c | \uad6c\ud150\ud0c1 \ucf54\ub9ac\uc544 : \ub3c5\uc77c \ud55c\uc778 \ud3ec\ud0c8 \uc0ac\uc774\ud2b8<\/title>\n<meta name=\"description\" content=\"\uad6c\ud150\ud0c1\ucf54\ub9ac\uc544\ub294 \ub3c5\uc77c\uc5d0 \uac70\uc8fc\ud558\ub294 \ud55c\uc778\ub4e4\uc774 \uc11c\ub85c \uc815\ubcf4\ub97c \uacf5\uc720\ud558\ub294 \ucee4\ubba4\ub2c8\ud2f0\ub85c, \ud55c\uad6d\uacfc \ub3c5\uc77c \uac04\uc758 \ub274\uc2a4\ub97c \ud55c\uad6d\uc5b4\ub85c \uc81c\uacf5\ud558\uc5ec \ud55c\uad6d\uc0ac\ud68c\uc640 \ub3c5\uc77c\uc0ac\ud68c\ub97c \uc774\ud574\ud560 \uc218 \uc788\uac8c \ub3d5\uace0 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