<![CDATA[
<p> <span style="text-align: left; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 32px; font-style: normal; font-weight: 400; word-spacing: 0px; float: none; display: inline !important; white-space: pre-wrap; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font face="Arial">[부제]목돈을 신한 인싸자유적금에 넣는다면 </font></span></p><p><span style="text-align: left; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 32px; font-style: normal; font-weight: 400; word-spacing: 0px; float: none; display: inline !important; white-space: pre-wrap; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font face="Arial">정기예금보다 유리할까? </font></span></p><div class="autosourcing-stub-extra" style="margin: 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(0, 0, 0); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 32px; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: pre-wrap; -ms-zoom: 1; orphans: 2; widows: 2; font-stretch: inherit; opacity: 1; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><strong></strong><p> </p><div class="se-component se-text se-l-default" id="SE-0d9bf8d6-c03a-4d96-93c0-aa2f96f8c0d6" style="margin: 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><div class="se-component-content" style="font: inherit; margin: 0px auto; padding: 0px 40px; border: 0px currentColor; vertical-align: baseline; max-width: 100%; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-section se-section-text se-l-default" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-module se-module-text" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-7615F6EC-92C4-4467-B14F-C59A1D9F48D4" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-E4FD426E-ADD5-40D8-AB64-08CA23D85D56" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">최근 한국은행 기준금리 인하로 금리가 많이 하락하였습니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-D1AD9B02-6F55-4F17-BE76-2BF7375AEE4D" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-B38C078A-245C-4B71-B32A-EF8BB2A7E12D" style="margin: 0px; padding: 0px; border: 0px currentColor; color: rgb(0, 78, 130); line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">신한 인싸 자유적금의 연3%의 이율이 더욱 돋보이는 이유입니다.</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-7D2928B8-E7ED-44F5-994D-38735F60AE79" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-0A102540-1EF2-402C-B3E4-A48934EA8637" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">​</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-A89DFCA6-2FAB-42B2-8F05-CB0D1847CDDA" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-0F10F908-49BE-455D-8D9D-369EF36C7658" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">정기예금 금리는 현재 신한은행 쏠편한 정기예금 기준 1.25%</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-5C500B7A-F32D-4FC3-B19D-08C6EEADB61A" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-D20B769A-868B-4345-B641-AB4FAE0EB89A" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">​</b></span><span class="se-fs-fs16 se-ff- " id="SE-A52332C1-D4FC-4D4B-AA26-69E69023CA78" style="margin: 0px; padding: 0px; border: 0px currentColor; color: rgb(0, 78, 130); line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">그렇다면 목돈을 정기예금 대신 인싸적금에 넣는게 더 유리한게 아닌가? 라는 질문들이 많이 있습니다.</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-F9A3F6BC-3E54-4FCD-AE04-9358595D6774" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-1223BBC4-889F-45AF-8EFD-110276B136AF" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-E37FC80C-6FA4-43C7-B061-AF4E5D1D77AC" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-52AFB104-16E2-4914-8261-1C71F0075A99" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">문제는 인싸적금은​ 월 최고 입금한도가 100만원이라는 거죠.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-D52D4DAD-F728-49EE-8CBF-CBB74DA0D825" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-B698244A-7F2D-48CF-98C3-6E1295E55A47" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">만약 1000만원을 저축할 경우 매월 100만원씩 열달간 인싸적금에 넣으면</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-1E1E4696-03A6-4829-8024-E0DD66B686E7" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-5E2FF72A-4B85-46A2-B762-EA8A4E3CB08B" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">1000만원을 1.25% 정기예금에 가입하는 것보다 이자가 더 많이 나올까요?</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-5A3575F1-BCD3-425D-B1F8-2B1700E79EB5" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-812BAC05-4BC1-4074-8015-C4C7942D9505" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-B801A35B-3329-4C8D-B244-F04DBC605658" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-07284EA6-21C3-4B75-A288-435A213B84B7" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">이 질문에 답을 내기 위해 엑셀프로그램을 만들어 보았습니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-FE331549-99AA-47AE-8C7C-944C40F55CF9" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-FFB48CB6-8007-4719-A3E0-D44938B35F91" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-97A98F2D-F4AB-4C49-875A-71CB232CB187" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-2D049123-9157-4257-8F5A-BC85DFCA96FD" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">이 글을 적고 있는 오늘 날짜는 2020.3.20 오늘 만약 제가 인싸적금을 만들면서 오픈뱅킹을 통해 타행계좌에서 100만원을 입금을 하고 (이율 3% 적용조건), </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-5AFB3F6B-FCE7-4F14-B6C2-4ED3740452A7" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-47E9E1F2-F9DD-48DE-986F-DD432E4A5245" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">입금한도가 부활하는 다음월 1일인 4월1일에 2회차 100만원 입금, </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-229E6F59-0C5D-4912-8DF1-7D01047F1856" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-07A999D1-BD30-41F6-88EC-8A6C7C213514" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">다음은 5월1일... 6월1일...​...이렇게 해서 마지막 1000만원을 모두 입금하는 마지막 입금일은 12월1일이 되네요. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-68F11045-9073-43EA-A287-AA801FFA9B76" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-6E7B1EB9-76E4-4428-BE15-A75CB5862D30" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-D3941BFC-C487-4E87-B56F-90C892DE53C0" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-52B62125-075F-446A-9C5C-35A264A73A7B" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">첨부한 엑셀프로그램은 매우 간단히 "신규일자"와 "총 저금할 금액"만 입력하면 인싸적금에 저금하여 최고의 이자를 받을 수 있는 입금일자와 금액 스케쥴이 계산되고 최종 만기일에 받게 되는 이자를 자동으로 산출해 줍니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-4BF61332-8014-40DB-AB9E-092EE1090A92" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-614C0A66-57D4-4D70-AEE7-AD5F88A005BA" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-35773500-0969-4EAE-B7B8-84E48D01CD9C" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-90266E9F-BF06-466E-827B-5155CD85B9CF" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">엑셀에서 계산된 내용을 캡쳐해 봤습니다.</span></p></div></div></div></div><div class="se-component se-image se-l-default" id="SE-5f82ac79-b33d-405b-9b71-d013e76e1e9a" style="margin: 20px 0px 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><div class="se-component-content se-component-content-fit" style="font: inherit; margin: 0px auto; padding: 0px 40px; border: 0px currentColor; vertical-align: baseline; max-width: 100%; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-section se-section-image se-l-default se-section-align-" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-module se-module-image" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; display: block; font-size-adjust: inherit; font-stretch: inherit;"><p style="text-align: center;"><img src="https://t1.daumcdn.net/cfile/cafe/99EBF0375E7565E21E" class="txc-image" width="684" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="1.jpg" exif="{}" actualwidth="684" id="A_99EBF0375E7565E21E99DB"/></p><p> </p><a class="se-module-image-link __se_image_link __se_link" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; text-decoration: none; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;" href="https://blog.naver.com/PostView.nhn?blogId=mikesuh72&logNo=221864229301&redirect=Dlog&widgetTypeCall=true&directAccess=false#" data-linkdata='{"id" : "SE-5f82ac79-b33d-405b-9b71-d013e76e1e9a", "src" : "https://postfiles.pstatic.net/MjAyMDAzMjBfOCAg/MDAxNTg0NzA4MDc4MjQy.uUh77_hUD8bEReeDqGW9ofdsP_guFPWH7xVwMiJVmN8g.QPNIg9Ff1JxPf3PpH3DeJTQUPWBT80DNHVvoIYLpt1Qg.PNG.mikesuh72/image.png", "linkUse" : "false", "link" : ""}' data-linktype="img"></a></div></div></div></div><div class="se-component se-text se-l-default" id="SE-6d38dd35-fbf5-4ba7-bf41-6445a7244a71" style="margin: 20px 0px 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><div class="se-component-content" style="font: inherit; margin: 0px auto; padding: 0px 40px; border: 0px currentColor; vertical-align: baseline; max-width: 100%; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-section se-section-text se-l-default" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-module se-module-text" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-7B46B276-5CB1-4821-8D78-21066CB4B732" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-6CA4D9D1-E750-4AC2-8A8D-590DEBC18F69" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-E06E00F0-0D5D-4CEA-8D34-F205AB30C828" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-32F3E597-F58D-41E7-A70E-47F09E297271" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">엑셀프로그램에는 노란색셀만 입력하면 자동으로 계산됩니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-2B3A9C52-3405-4202-8C7D-13D4FD9EB492" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-9F49702E-E5E4-4614-9B4C-072FB31D3D3C" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">결과값은? </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-6BCA6ECD-D4DF-46D8-9C56-C85E4FD2D24B" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-7809E21B-39F5-4551-A3C4-0FBB1DE5F20D" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">두둥~ </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-471BA5F6-5A2C-4EB4-AD0B-36A7D8936EB1" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-0C2E4A78-8E95-4587-921E-BBFA366E59E4" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">1000만원을 정기예금 1.25%에 예금시 1년후 세후 이자는 </span><span class="se-fs-fs19 se-ff- " id="SE-2C62A2E3-4665-45F7-87F2-C2CD8460FBF6" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">105,750원</b></span><span class="se-fs-fs16 se-ff- " id="SE-E6A45FB3-8A3A-4974-A336-2C101A9A3FA0" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">이 나오네요.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-510C4D69-6A89-4826-B562-FFE33CF49182" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-39AEDB7E-7D55-4E57-9749-2FF072F565EB" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">그러면 인싸 자유적금은?</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-86C6B050-E2CB-4D20-A41C-5FDBEE697CC1" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-9339F917-7C03-4ED2-9611-4690ED6978E0" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">오늘 100만원 신규하고 다음월 부터 매달 1일에 100만원씩 입금하여 총1,000만원을 모두 저축하면 만기이자가 세후 </span><span class="se-fs-fs19 se-ff- " id="SE-EF09F32E-9FA9-47EA-8DBA-E770C411E160" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">169,946원</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-16905F98-2A0C-4470-A046-BC0CEC465ED3" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-A3DDF603-4D7E-455E-A1D8-F0C3E929A594" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">정기예금 이율로 환산하면 총 수익률 </b></span><span class="se-fs-fs19 se-ff- " id="SE-2913D273-2743-4075-B863-DBA9488813CC" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><u style="text-decoration: underline; background-color: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">2.01%</b></u></span><span class="se-fs-fs19 se-ff- " id="SE-763EFD18-E613-4A40-B1F0-607E11DFB20E" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;"> 정기예금과 동일</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-10DC0283-FC05-46A6-8E41-036CD2DDFD96" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-9B195F4F-5C1F-46D6-AAFD-223E3573BACA" style="margin: 0px; padding: 0px; border: 0px currentColor; color: rgb(0, 78, 130); line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">결론은 인싸적금이 +64,196원 Win !!</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-09D39CAC-7771-4206-AF6F-FE440D88B899" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-85A818D0-9505-4280-95F8-FED4BB6D430E" style="margin: 0px; padding: 0px; border: 0px currentColor; color: rgb(0, 78, 130); line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">​</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-52A99957-B1CE-4014-B986-9FBDF4AD41C9" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-1721FE0C-E525-4FD4-A4CC-19D6F8337D18" style="margin: 0px; padding: 0px; border: 0px currentColor; color: rgb(0, 78, 130); line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">1300만원 이하의 금액이라면 인싸적금을 정기예금 대용으로 사용하는것 유효!!</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-31055D94-DF8A-497C-8E03-71C63603F524" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-0AC82C89-E2D4-4B74-B71F-0212B95BCCE0" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">물론 매월 1일 입금 날짜를 놓치지 않는 것과 자동이체가 아닌 직접 쏠 오픈뱅킹을 통해 타행계좌 이체해야 최고 우대금리를 받게 되는것은 잊지 마시고요^^ </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-94C4493A-D64F-44F0-8812-AD89672B7E7F" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-BC3496B6-4434-4C0A-A25B-C788671D37B6" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-95009CA6-3771-4767-BC14-6A85D0357A0E" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-77B5449D-01C4-41A8-9788-1030E4B62A8A" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">공유드리는 엑셀계산식을 이용하면 1300만원이하의 총 저축금액만 정하고 인싸적금을 신규할 날짜만 입력해 주면 인싸적금 입금 스케쥴을 확인할 수 있고 정기예금과의 이자금액 차이를 계산 할 수 있습니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-2651675A-4D6E-42F6-AB16-B3947444DDAE" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-06C53319-21D3-4B9C-B2AB-4A721EF3A147" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-DCFB709F-C65D-436C-AF8C-792B3F242F61" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-326BBC96-813F-4D08-B1AD-AAD7FD93DEA7" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">각 금액별로 정기예금으로 환산한 이율(총수익률)이 얼마인지 시뮬레이션 </b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-5004E625-0604-4C52-B044-6B32B773B5B2" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-237D73A6-B8B8-4878-946D-12687FE6E01D" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">결과를 요약해 보면 ( 직접 엑셀에서 입력해서 확인해 보세요)</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-2C030F73-7695-4423-B5D5-9634E3C6CF19" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs13 se-ff- " id="SE-DE088A13-BAFC-4C2E-953E-FFA316FDE158" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 13px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">※이달 말일인 2020년 3월31일에 100만원을 신규하고 매월1일에 100만원씩 입금 가정시</span></p></div></div></div></div><div class="se-component se-image se-l-default" id="SE-518970b7-fdf9-4b14-8b6a-dc29152f1df6" style="margin: 20px 0px 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><p style="text-align: center;"> </p><p style="text-align: center;"><img src="https://t1.daumcdn.net/cfile/cafe/99E49F365E7566BB1F" class="txc-image" width="320" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="1.5.png" exif="{}" actualwidth="320" id="A_99E49F365E7566BB1F56A3"/></p><p style="text-align: center;"> </p><p> </p></div><div class="se-component se-text se-l-default" id="SE-d742571f-3738-412c-8452-a22596bfa35c" style="margin: 20px 0px 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><div class="se-component-content" style="font: inherit; margin: 0px auto; padding: 0px 40px; border: 0px currentColor; vertical-align: baseline; max-width: 100%; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-section se-section-text se-l-default" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-module se-module-text" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-A8E9FFE6-6E24-4768-A143-2D9A35FA88C0" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-775371EE-F2DF-4B45-8E08-193E50F689BA" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">500만원 을 저축할 경우만 엑셀 캡쳐해 보겠습니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-8942FBEE-CE8C-479A-9C92-18718931B8FA" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-0BD42B34-E6F0-4A1F-956D-8867425F8AAE" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">나머지 금액은 각 신규 날짜별로 직접 시뮬레이션 해 보세요</span></p></div></div></div></div><div class="se-component se-image se-l-default" id="SE-f27f90de-5dc3-4679-949c-30dfb105593f" style="margin: 20px 0px 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><div class="se-component-content se-component-content-fit" style="font: inherit; margin: 0px auto; padding: 0px 40px; border: 0px currentColor; vertical-align: baseline; max-width: 100%; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-section se-section-image se-l-default se-section-align-" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-module se-module-image" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; display: block; font-size-adjust: inherit; font-stretch: inherit;"><img src="https://t1.daumcdn.net/cfile/cafe/995329355E75660A1E" class="txc-image" width="684" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="2.jpg" exif="{}" actualwidth="684" id="A_995329355E75660A1EAA6D"/><a class="se-module-image-link __se_image_link __se_link" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; text-decoration: none; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;" href="https://blog.naver.com/PostView.nhn?blogId=mikesuh72&logNo=221864229301&redirect=Dlog&widgetTypeCall=true&directAccess=false#" data-linkdata='{"id" : "SE-f27f90de-5dc3-4679-949c-30dfb105593f", "src" : "https://postfiles.pstatic.net/MjAyMDAzMjFfMTk1/MDAxNTg0NzIwNzE1MTc4.joNFmpfDtJ1YJFDvlWregrXf0XFYk5shKkuXLzqQWCQg.5Q2s6LcuypeOs4eRIPQ33koUC0os1bzhQef6Tw9b9RYg.PNG.mikesuh72/image.png", "linkUse" : "false", "link" : ""}' data-linktype="img"></a></div></div></div></div><div class="se-component se-text se-l-default" id="SE-f6e6e545-4afd-4d8f-bd9b-aea46f56e1ed" style="margin: 20px 0px 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><div class="se-component-content" style="font: inherit; margin: 0px auto; padding: 0px 40px; border: 0px currentColor; vertical-align: baseline; max-width: 100%; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-section se-section-text se-l-default" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-module se-module-text" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-47AAC117-0A02-483F-BAA7-8EC4BFB7637C" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-FD4FFD27-B896-4481-9E88-A7090527AF60" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-8CF3AEDE-CA60-4A65-9341-8C6886FADDB7" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-F7E57572-2FEB-4068-9023-03FBB2D8C479" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-13E6412E-200E-4009-8179-01EA192B2725" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-9C987991-FA02-494F-A792-DE8687872ADF" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">여기서 한가지 더 팁!!</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-EF67E089-9F7E-4F8A-A38F-8579C6BEEAE2" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-F2AF3AE2-16FB-42BA-90EA-FBF77FDCE5C4" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">인</span><span class="se-fs-fs16 se-ff- " id="SE-35988038-955E-4396-AA36-C220632A672A" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">싸 적금은 만기가 1년이며 월 최고 입금 가능금액이 100만원입니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-6CC1CB87-BAAC-4E87-B6C9-16FCAD2EB608" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-23D4873D-A198-418B-AAA3-C3F80D7B2F64" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">그럼 최고 입금 가능한 금액은 얼마일까요?</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-21D3378E-F5E5-4278-A6D5-1C3CE3FE47D9" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-7BC79EBF-D7B9-4F79-9141-336836C36216" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">얼핏 생각하면 1200만원이 답인것 같습니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-2F47D154-F5F2-4072-A20D-EE96E6C88F74" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-F43F6842-A346-4A99-81BF-79C32987B7FE" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">그러나 매월 1일에 가입을 하였다면 1200만원이 맞습니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-2365CB76-678E-47D1-91B8-73E2750EEC15" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-1C001566-6A72-4957-8751-F692AB6FD19A" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">예를 들어 올해 3월1일에 신규하면 3/1에 100만원 (1회차), </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-5B34A286-A326-4B9C-8860-6D5FDC600AB2" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-0C2C7B98-7EF5-4064-8CDE-A0148BC0482B" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">4/1에 100만원 (2회차) ...... 내년 2/1에 (12회차)로 총 12번 입금이 되고</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-4D570006-9ECD-4907-80C9-2B5B681BC10F" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-1D55236D-443D-40FC-8B2D-614AA2D8A02B" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">내년 3/1은 만기일이므로 해지하여 이자를 받게 됩니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-CF76D50E-0EA5-4458-BCBC-A3427D7E17CA" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-64AC93E9-DF9F-42EC-80DD-3EA4A98F6E78" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-EA2561E9-FC29-4697-93C9-376D377A14CB" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-809D4CE0-6ED4-4F5E-A1A4-A42E898D5F73" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">그러나 매월2일 이후에 신규를 하면 최고 1,300만원까지 입금이 됩니다</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-E9A45F39-F81D-4760-87E5-2CFD166142A6" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-21AAE96F-7F1F-4148-BB47-9BCFF228DB5A" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">물론 2일에 신규를 한다면 마지막에 입금한 13번째 금액 100만원은 하루치 이자 밖에 못 받게 되겠죠</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-0C2CDF72-A702-4A4C-8635-9F211560BC7A" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-A0084B6C-C9C8-4A58-A9C2-04291EC9BA2C" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">예) 3/2일 신규시 ... 내년 2/2(12회차), 내년 3/1(13회차), 3/2일에 해지</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-0BD69B69-6685-4F4F-BBEE-E26BF1F8B211" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-2DB6221C-D25D-4E98-A0E2-9668856ED129" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-0F84917A-2517-4241-A404-F5CBC6CCD4B9" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-F3E6E67D-18C5-40E3-A8A5-3E4496624423" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">그래서 가장 많은 이자를 받는 방법은 </b></span><span class="se-fs-fs19 se-ff- " id="SE-9C7CE35F-8690-4DB0-AF1B-A9CB8A4B4AAB" style="margin: 0px; padding: 0px; border: 0px currentColor; color: rgb(0, 78, 130); line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">매월말일에 신규하고 그 다음달인 익월 1일에 2회차를 입금</b></span><span class="se-fs-fs19 se-ff- " id="SE-BF4F5912-0FFF-44C8-9189-38BCD68DB812" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">하는 것입니다. </b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-200C6CBB-4FA5-4003-9983-9743AC6B5F2D" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-809DE2C7-514C-4613-9605-49FC3CFC17E1" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">(물론 인싸적금을 통해 받는 이자만을 계산했을 때로 한정한 것이고, 실제 목돈이 있는데 말일이 될때까지 기다리는 기회비용과 만기해지 후 자금을 미래에 재투자시 미래 시점 금리에 대하여는 감안하지 않았을 경우에 말입니다.)</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-7F066745-9C4F-480F-9CA0-555223747BDE" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-45326DB6-F554-4436-B912-0AA0343CAE01" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-65F7A3CC-5823-46A7-AD2C-BD4F31208FE9" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-87C65A07-068D-4912-8684-A7494A090AA3" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">엑셀로 계산해 보겠습니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-CCD54217-5476-45C0-843B-8D8BD884654F" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-6C857578-92CF-4F82-B075-462DA18C2C12" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">오늘이 3월1일이라고 가정하고 오늘 1300만원이 있는데 </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-D1AB5155-CD2B-4468-A08E-19FA50F083CC" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-BF736CBE-0D95-43B7-9716-B9D44E49EB8E" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">3월1일에 인싸적금에 가입하는 경우와 </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-1C23A3ED-0797-457F-A1E7-CCF15B9656F9" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-7281D9A7-A05A-4434-97B9-43AA5D893BE8" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">3월31일에 가입하는 경우 두가지를 엑셀에 넣어 보았습니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-801747A8-CAE8-4121-924C-BD937E73B041" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-03876FC2-8777-45F3-978C-2F9EE50BC3CF" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">엑셀파일에서 그냥 금액 1300만원 입력하고 </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-665A2DDC-1AB2-4DA2-B389-8729576DEF46" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-6B9F0E9D-436C-424A-AE50-094CC80C8144" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">신규일자만 변경해 주면 결론이 나옵니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-608922EC-C123-49CE-AA8D-CDAA6D84FDB0" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-C2FE87D1-4A63-4D63-A22C-677118D053DF" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p></div></div></div></div><div class="se-component se-image se-l-default" id="SE-5c235c68-d908-484d-a827-2530506d8b67" style="margin: 20px 0px 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><div class="se-component-content se-component-content-fit" style="font: inherit; margin: 0px auto; padding: 0px 40px; border: 0px currentColor; vertical-align: baseline; max-width: 100%; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-section se-section-image se-l-default se-section-align-" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-module se-module-image" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; display: block; font-size-adjust: inherit; font-stretch: inherit;"><p style="text-align: center;"><img src="https://t1.daumcdn.net/cfile/cafe/9911F73C5E756A2921" class="txc-image" width="684" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="3.jpg" exif="{}" actualwidth="684" id="A_9911F73C5E756A29211D03"/></p><p> </p><a class="se-module-image-link __se_image_link __se_link" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; text-decoration: none; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;" href="https://blog.naver.com/PostView.nhn?blogId=mikesuh72&logNo=221864229301&redirect=Dlog&widgetTypeCall=true&directAccess=false#" data-linkdata='{"id" : "SE-5c235c68-d908-484d-a827-2530506d8b67", "src" : "https://postfiles.pstatic.net/MjAyMDAzMjBfMTYz/MDAxNTg0NzEwNzk3MjEz.JWxcB8sVrdRPa9BUq9Q7HejvIYQCUmeAk3f1gvsx_0Ag.088_GHIkOG_vXqtH-dnOJ6yc2AAIbaTNaHNoiFKUoX4g.PNG.mikesuh72/image.png", "linkUse" : "false", "link" : ""}' data-linktype="img"></a></div></div></div></div><div class="se-component se-text se-l-default" id="SE-eea1b91d-84bd-4a33-a098-d898a87a9e45" style="margin: 20px 0px 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><div class="se-component-content" style="font: inherit; margin: 0px auto; padding: 0px 40px; border: 0px currentColor; vertical-align: baseline; max-width: 100%; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-section se-section-text se-l-default" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-module se-module-text" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-1510AF49-74EA-4B1E-9D0F-31A7E3A89D59" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs- se-ff- " id="SE-2E515843-448C-4871-8590-6A976A385829" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 15px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">↑ ↑ </span><span class="se-fs-fs16 se-ff- " id="SE-B7135B00-32D8-460C-8CF4-3BF5BC2D5D92" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">3월1일에 신규하여 총 1300만원 입금시 만기에 세후이자 </span><span class="se-fs-fs19 se-ff- " id="SE-D240CD35-D4A2-485B-BDD0-715FA277A5BE" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">164,112원</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-C2530AAE-C9AD-42E9-8C6D-6CD448A55899" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-DAFA8F53-BF7E-436F-A6B7-998104A6A7ED" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">총 연수익률로 환산시 1.49% 정기예금과 동일</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-66444B05-A7A4-4D2E-AAA6-179939005616" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-66D5AD1D-2F55-4A6D-8593-AB154496EAA3" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">( 엑셀식에서 마지막 13회차 100만원은 만기일에 입금 되는 걸로 표기 되므로 의미가 없습니다.) </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-F4C9BA31-FDDF-4891-B2CE-0EA54EBDF34B" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-E851B80D-4AD6-4979-90E5-A3864A35E298" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p></div></div></div></div><div class="se-component se-image se-l-default" id="SE-ea4e3754-7803-45da-bd6b-b02a36b10d4f" style="margin: 20px 0px 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><div class="se-component-content se-component-content-fit" style="font: inherit; margin: 0px auto; padding: 0px 40px; border: 0px currentColor; vertical-align: baseline; max-width: 100%; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-section se-section-image se-l-default se-section-align-" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-module se-module-image" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; display: block; font-size-adjust: inherit; font-stretch: inherit;"><p style="text-align: center;"><img src="https://t1.daumcdn.net/cfile/cafe/993FBA3E5E756A4E20" class="txc-image" width="684" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="4.jpg" exif="{}" actualwidth="684" id="A_993FBA3E5E756A4E204439"/></p><p> </p><a class="se-module-image-link __se_image_link __se_link" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; text-decoration: none; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;" href="https://blog.naver.com/PostView.nhn?blogId=mikesuh72&logNo=221864229301&redirect=Dlog&widgetTypeCall=true&directAccess=false#" data-linkdata='{"id" : "SE-ea4e3754-7803-45da-bd6b-b02a36b10d4f", "src" : "https://postfiles.pstatic.net/MjAyMDAzMjBfMjkw/MDAxNTg0NzEwODM0Mzk1.Zj0a9Prl9cZjw_CE6C08LVpp7yHgXojCgK7PbHxff5Qg.KLyhN5mu2JqFZeKvC30pxcnc5W0yV_CsEUI1kwYbHU4g.PNG.mikesuh72/image.png", "linkUse" : "false", "link" : ""}' data-linktype="img"></a></div></div></div></div><div class="se-component se-text se-l-default" id="SE-1ddf816a-ebc4-4e44-921f-67b7bfc914c2" style="margin: 20px 0px 0px; padding: 0px; border: 0px currentColor; text-align: left; color: rgb(51, 51, 51); text-transform: none; line-height: inherit; text-indent: 0px; letter-spacing: normal; font-family: se-nanumgothic, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; vertical-align: baseline; white-space: normal; position: relative; orphans: 2; widows: 2; font-stretch: inherit; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-variant-numeric: inherit; font-variant-east-asian: inherit;"><div class="se-component-content" style="font: inherit; margin: 0px auto; padding: 0px 40px; border: 0px currentColor; vertical-align: baseline; max-width: 100%; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-section se-section-text se-l-default" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><div class="se-module se-module-text" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; font-size-adjust: inherit; font-stretch: inherit;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-9E509F3C-3C17-4101-9309-1EC511892A50" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs- se-ff- " id="SE-4CED2D87-A5FE-4424-A409-95BECFCBB59E" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 15px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">↑ ↑ </span><span class="se-fs-fs16 se-ff- " id="SE-BE1E1543-E91B-480A-BBF3-41EE87DF99E1" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">3월31일에 신규하여 총 1300만원 입금시 만기에 세후이자</span><span class="se-fs-fs19 se-ff- " id="SE-7820C634-7F03-4A63-92E5-A69D1379DF28" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">189,151</b></span><span class="se-fs-fs19 se-ff- " id="SE-3D5FA65D-FF26-4FEB-AB02-665F7369A39E" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">원</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-E693351D-1EED-4D28-83E1-5D8E232AAE16" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-0E38DA87-821F-4E80-8E91-F87D26212E4D" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">총 연수익률로 환산시 1.72% 정기예금과 동일</b></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-A908F462-2304-4C6C-837D-A373F4C678DE" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-3EDDF187-242E-4F7C-B5BD-142D71927275" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">두개의 case를 비교하면 1일에 입금한 경우보다 31일에 입금한 경우가 약 </span><span class="se-fs-fs19 se-ff- " id="SE-0ECBD7D1-3470-4849-B4B0-EC030EC94A92" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;">25,000원</b></span><span class="se-fs-fs19 se-ff- " id="SE-C8B16EF3-C43A-413A-8355-97F92D1E6EC4" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"> 가량 이자가 더 나오네요.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-27AB43AB-17AA-4CE8-BDF1-CCF5D4551600" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs19 se-ff- " id="SE-F3C7FA4E-A2FA-4D74-9310-5D5BE8892757" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 19px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-826208F5-9B79-477C-97AE-2533BC496CA8" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-BF6C408C-D518-4F74-BC57-B9FFC9DF6EC2" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">단순히 인싸적금에서 발생하는 이자만 단순 비교를 하면 말일에 신규하는 것이 유리하다고 할 수 있겠네요 </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-9CA98F2F-F7CE-455F-91F6-A153128CE29D" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-59C15118-E3C8-4195-9140-6BC043671041" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">하지만 당장 목돈이 있는데 인싸적금에 신규하기 위해 말일까지 기다릴때 발생하는 기회 비용과 두 경우에 발생하는 이자차액을 보고 판단하시면 되겠습니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-C7DADFEA-6702-472B-9712-346788496493" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-3B57E750-DA70-422E-A573-E5B84F4CD4C3" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-3B4C38E1-39C6-4083-BFA9-C71CDB002C41" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-54553DB2-7BC9-411F-A5B6-3ADA1E1CA5E4" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">또한 최근 시장금리 하락으로 인해 인싸적금 최고 금리 3%도 언제 하락 할지 모르므로 인싸적금 신규시점은 본인의 판단에 맡기겠습니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-6AC2DF73-F8E9-48C9-8EAD-27E6013BCF33" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-003318E5-D7C8-4C95-AB89-DFA02F9C217A" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align-left " id="SE-48DF5088-808E-4BF0-8469-31C49B6CA21A" style="margin: 0px; padding: 0px; border: 0px currentColor; text-align: left !important; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-D777CF19-66DF-4C99-8853-706C420405B4" style="margin: 0px; padding: 0px; border: 0px currentColor; color: rgb(186, 0, 0); line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">첨부파일로 공유해드리는 엑셀파일은 개인적으로 활용해 주시기 바라며 개인의 저작물이므로 다른 까페, 블로그 등에 파일을 공유, 전재,복제, 인쇄는 금지 입니다.</span></p><p class="se-text-paragraph se-text-paragraph-align-left " id="SE-5A27A44D-A350-48CE-B580-67AB0F781E1C" style="margin: 0px; padding: 0px; border: 0px currentColor; text-align: left !important; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs-fs16 se-ff- " id="SE-1126A146-3E70-4717-9A92-7B553C5F8B5D" style="margin: 0px; padding: 0px; border: 0px currentColor; color: rgb(186, 0, 0); line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 16px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-1F93F38F-8953-493A-8EE8-73D9B0041925" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: 1.8; font-family: inherit; font-size: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; white-space: pre-wrap; font-stretch: inherit; overflow-wrap: break-word;"><span class="se-fs- se-ff- " id="SE-AAE35BB4-23CC-4434-B88F-520065E4727A" style="margin: 0px; padding: 0px; border: 0px currentColor; color: rgb(0, 78, 130); line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 15px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"><b style="font-family: inherit; font-weight: 700; background-color: inherit;"><span style="font-size: 14pt;">↓↓신한 인싸자유적금 입금 스케쥴 및 정기예금 비교 엑셀 ↓↓</span></b></span><span class="se-fs- se-ff- " id="SE-CB6A4805-2218-4069-AD8E-639CA561971F" style="margin: 0px; padding: 0px; border: 0px currentColor; line-height: inherit; font-family: se-nanumgothic, sans-serif; font-size: 14pt; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline; font-stretch: inherit;"> </span><div class="autosourcing-stub-extra" style="font: inherit; margin: 0px; padding: 0px; border: 0px currentColor; vertical-align: baseline; -ms-zoom: 1; font-size-adjust: inherit; font-stretch: inherit; opacity: 1;"> </div></div></div></div></div><p> <a href='javascript:fileFilterViewer("http://cfile266.uf.daum.net/attach/99DB47365E756E8A255A57", "/cfile266/99/DB47365E756E8A255A57", "인싸자유적금(SMK)ver1.2.xlsx", "grpid%3D1APln%26fldid%3DHPv8%26dataid%3D24%26fileid%3D6%26regdt%3D20200321103619&url=http%3A%2F%2Fcfile266.uf.daum.net%2Fattach%2F99DB47365E756E8A255A57")'><img src="https://t1.daumcdn.net/daumtop_deco/icon/icon.hanmail.net/editor/p_etc_s.gif" border="0" alt="첨부파일" class="vam"/> 인싸자유적금(SMK)ver1.2.xlsx</a></p><p><span class="se-ff-nanumgothic se-fs16 __se-node" id="SE-9e09cb79-4f97-45b7-a9d0-a243b72f2656" style="font-size: 12pt;">엑셀파일은 PC에서 다운받아 사용 가능합니다.</span></p><p><span class="se-ff-nanumgothic se-fs16 __se-node" style="font-size: 12pt;"><strong>그럼 신한 인싸적금 가입하시고 스마트한 자산관리 시작하세요.</strong></span></p><div class="se-component se-text se-l-default" id="SE-a9fb6bee-6a0a-43d1-b708-8fb51fd58aa8" style='color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;' data-a11y-title="본문" data-compid="SE-a9fb6bee-6a0a-43d1-b708-8fb51fd58aa8"><div class="se-component-content"><div class="se-drop-indicator" data-compid="SE-a9fb6bee-6a0a-43d1-b708-8fb51fd58aa8" data-direction="top" data-unitid=""><div class="se-section se-section-text se-l-default"><div class="se-module se-module-text __se-unit" id="SE-e08062d1-232c-4918-ba69-1b098de859ad"><p class="se-text-paragraph se-text-paragraph-align-left" id="SE-1fc076fe-a4f5-4936-8850-c511076f3fb8" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs16 __se-node" id="SE-0a3be54f-9e22-4557-b6bd-137b7d7362cc"> -----------------------------</span></p></div></div></div></div></div><div class="se-component se-quotation se-l-quotation_corner" id="SE-3c00a37a-3f14-4ff9-9f3a-2d0acebcea9b" style='color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;' data-a11y-title="" data-compid="SE-3c00a37a-3f14-4ff9-9f3a-2d0acebcea9b"><button class="se-component-edge-button se-component-edge-button-top __edge-area" type="button" data-compid="SE-3c00a37a-3f14-4ff9-9f3a-2d0acebcea9b" data-direction="top" tab-index="-1"></button><div class="se-component-content"><div class="se-drop-indicator" data-compid="SE-3c00a37a-3f14-4ff9-9f3a-2d0acebcea9b" data-direction="top" data-unitid=""><div class="se-section se-section-quotation se-l-quotation_corner se-section-align-left __se-unit se-is-selected se-is-block-selected"><div class="se-quotation-container"><div class="se-module se-module-text __se-unit se-quote" id="SE-5a93b046-4d2f-48a5-81f4-599217a615cb"><p class="se-text-paragraph se-text-paragraph-align-center" id="SE-a7b3a28a-f50b-4b18-ae64-7df65a900fae" style="line-height: 1.8;"><span class="se-ff-nanumbarungothic se-fs19 __se-node" id="SE-cf9eaa8c-41c7-4cd3-89d5-c2435a1b54d0"><b>신한 인싸 자유적금 가입하실때</b></span></p><p class="se-text-paragraph se-text-paragraph-align-center" id="SE-f74c4d4d-e25b-4eb1-89c4-966613cb9c6a" style="line-height: 1.8;"><span class="se-ff-nanumbarungothic se-fs24 __se-node" id="SE-131aeee4-181f-476c-9125-dd40b5c8f2bb" style="color: rgb(0, 78, 130);"><b>권유직원 "서명교"<span> </span></b></span><span class="se-ff-nanumbarungothic se-fs19 __se-node" id="SE-4da547d1-36df-4dbb-95f8-c8233527173c"><b>로 입력</b></span></p><p class="se-text-paragraph se-text-paragraph-align-center" id="SE-817b47ab-27da-4d6b-b749-06e32d12aae9" style="line-height: 1.8;"><span class="se-ff-nanumbarungothic se-fs19 __se-node" id="SE-36a7b539-eb8e-478b-98c3-4f3054bc0a50"><b>또는<span> </span></b></span><span class="se-ff-nanumbarungothic se-fs24 __se-node" id="SE-748e8adc-40c5-4ebe-b263-6354fc3e793f" style="color: rgb(0, 78, 130);"><b>자산관리 희망점을</b></span></p><p class="se-text-paragraph se-text-paragraph-align-center" id="SE-8c562068-511a-4971-9da7-247ad9a9ab33" style="line-height: 1.8;"><span class="se-ff-nanumbarungothic se-fs24 __se-node" id="SE-c25aaef8-2867-4fe5-9291-ff2ba1d671ff" style="color: rgb(0, 78, 130);"><b>"삼풍"지점</b></span><span class="se-ff-nanumbarungothic se-fs19 __se-node" id="SE-699341ce-bfc6-4954-b45b-b2da83716c9a"><b>으로</b></span></p><p class="se-text-paragraph se-text-paragraph-align-center" id="SE-be24ee5b-8c22-4ce7-a5e3-7e033ec62308" style="line-height: 1.8;"><span class="se-ff-nanumbarungothic se-fs19 __se-node" id="SE-dcaa1dda-0d18-472a-9c0b-52d5a7cf0ce4"><b>꼭 입력해 주시면 감사하겠습니다.</b></span></p></div><div class="se-module se-module-text __se-unit se-is-empty se-cite" id="SE-f77a6b13-6b5d-4125-abfd-81abda75aa8c"><p class="se-text-paragraph se-text-paragraph-align-center" id="SE-ea114e64-e452-4b40-ab1c-05e234b7d06f" style="line-height: 1.5;"><span class="se-ff-nanumgothic se-fs13 __se-node" id="SE-c40a53f6-7e3f-4cfa-ad23-7e9806356e81"></span><span class="se-placeholder __se_placeholder se-ff-nanumgothic se-fs13">출처 입력</span></p></div></div></div></div></div></div><div class="se-component se-text se-l-default" id="SE-6858bf84-4d9d-4c12-8888-e7c3808f6326" style='color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;' data-a11y-title="본문" data-compid="SE-6858bf84-4d9d-4c12-8888-e7c3808f6326"><div class="se-component-content"><div class="se-drop-indicator" data-compid="SE-6858bf84-4d9d-4c12-8888-e7c3808f6326" data-direction="top" data-unitid=""><div class="se-section se-section-text se-l-default"><div class="se-module se-module-text __se-unit" id="SE-156ecee9-6377-4bbf-96b0-8f86358abcf8"><p class="se-text-paragraph se-text-paragraph-align-left" id="SE-22aac270-d2cf-4ec4-9e84-cc84f590d705" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs16 __se-node" id="SE-2110f8dc-0b4a-4b3f-b94f-d03b8152bc74"><b>▶신한 인싸 자유적금 가입하기 바로가기</b></span></p><p class="se-text-paragraph se-text-paragraph-align-left" id="SE-a7ef8a8c-b548-4d51-8c10-990e936f5ca0" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs15 se-link __se-node" id="SE-67abdaa1-2e2c-4682-a131-3093b96b96d2" data-href="https://sol.shinhan.com/sms.jsp?screenid=PR03010102101&prdCode=230030001&hwno=06140793"><a href="https://sol.shinhan.com/sms.jsp?screenid=PR03010102101&prdCode=230030001&hwno=06140793">https://sol.shinhan.com/sms.jsp?screenid=PR03010102101&prdCode=230030001&hwno=06140793</a></span></p><p class="se-text-paragraph se-text-paragraph-align-left" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs15 se-link __se-node" data-href="https://sol.shinhan.com/sms.jsp?screenid=PR03010102101&prdCode=230030001&hwno=06140793"></span> </p></div></div></div></div></div><div class="se-component se-text se-l-default" id="SE-f1956895-fcd8-4f71-a081-a82f1f85ff6e" style='color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size: 12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;' data-a11y-title="본문" data-compid="SE-f1956895-fcd8-4f71-a081-a82f1f85ff6e"><div class="se-component-content"><div class="se-drop-indicator" data-compid="SE-f1956895-fcd8-4f71-a081-a82f1f85ff6e" data-direction="top" data-unitid=""><div class="se-section se-section-text se-l-default"><div class="se-module se-module-text __se-unit" id="SE-575a39f1-7ff1-4c04-9abd-624bb6a2eab6"><p class="se-text-paragraph se-text-paragraph-align-left" id="SE-53389f86-6f4d-449f-bbd8-551676e5073e" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs19 __se-node" id="SE-8e2570c1-7022-46f6-9707-fafa74cd31a6"><b>또한 인싸적금 3% 우대 금리혜택을 위한 필수 전제 조건인</b></span></p><p class="se-text-paragraph se-text-paragraph-align-left" id="SE-a04851e0-b154-4509-9316-d95a03c694f1" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs19 __se-node" id="SE-548bc7b0-0564-45a2-ba42-915836b7884f"><b>오픈뱅킹 신규 가입이라면</b></span><span class="se-ff-nanumgothic se-fs24 __se-node" id="SE-5eb5b9e2-ee80-4985-83f1-5a2b84294196" style="color: rgb(0, 78, 130);"><b></b></span></p><p class="se-text-paragraph se-text-paragraph-align-left" id="SE-a7d0d1c8-02cd-409c-9208-c83a14f285e7" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs24 __se-node" id="SE-efe4dc76-1cf4-4e19-8e8f-0a464b2a75bd" style="color: rgb(0, 78, 130);"><b>권유직원 "서명교" 또는 "06140793"</b></span></p><p class="se-text-paragraph se-text-paragraph-align-left" id="SE-8a601e12-3c7d-4ec7-941d-242b59c403f6" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs19 __se-node" id="SE-040e0e05-dcf6-4abb-9ba7-70b6ae8e52be" style="color: rgb(0, 0, 0);"><b>입력해 주시고 CU 3,000원 모바일 상품권도 추가로 챙기시기 바랍니다.(신한은행 삼풍지점 자체 이벤트, 선착순 진행중)</b></span><span class="se-ff-nanumgothic se-fs19 __se-node" id="SE-363c5b8c-d006-4910-b3d1-c0ef7e9dc120" style="color: rgb(0, 78, 130);"><b></b></span></p><p class="se-text-paragraph se-text-paragraph-align-left" id="SE-b6c30158-7148-4104-a101-0a75c5ba1a4d" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs16 __se-node" id="SE-4bad81e0-5395-4b37-b884-b11234b0cbd4"><b>▶ 오픈뱅킹 등록 바로가기</b></span></p><p class="se-text-paragraph se-text-paragraph-align-left" id="SE-cc5f3a9a-d324-424f-af69-fae0ceb3d4d2" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs15 se-link __se-node" id="SE-3eb84528-a076-4b21-843d-954e2a192495" data-href="https://sol.shinhan.com/sms.jsp?scrid=IN07010101001&hwno=06140793"><a href="https://sol.shinhan.com/sms.jsp?scrid=IN07010101001&hwno=06140793">https://sol.shinhan.com/sms.jsp?scrid=IN07010101001&hwno=06140793</a></span></p><p class="se-text-paragraph se-text-paragraph-align-left" style="line-height: 1.8;"><span class="se-ff-nanumgothic se-fs15 se-link __se-node" data-href="https://sol.shinhan.com/sms.jsp?scrid=IN07010101001&hwno=06140793"></span> </p></div></div></div></div></div><p> </p><br class="Apple-interchange-newline"></div>
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FP 실무 사례 및 칼럼
최근 재테크로 핫한 신한 인싸자유적금 분석 (엑셀프로그램 공유)
서명교
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20.03.21 10:36
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