<![CDATA[
<h1 class="title" style="font-weight: bold; font-size: 1.95552em; line-height: 1.2141em; text-align: start; display: block; margin-top: 0px; margin-bottom: 0.5em; max-width: 100%;">주택연금 가입자격 총정리</h1><div><br></div><div><br></div><div><br></div><p data-reader-unique-id="1" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;"><ins data-ad-client="ca-pub-8886620339515893" data-ad-slot="4174629052" data-language="ko" data-ad-format="auto" data-full-width-responsive="false" data-adsbygoogle-status="done" data-reader-unique-id="2" style="max-width: 100%;"><ins data-reader-unique-id="3" style="max-width: 100%;"><ins data-reader-unique-id="4" style="max-width: 100%;"></ins></ins></ins></p><p data-reader-unique-id="6" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;">우리나라의 평균 수명이 늘어나면서 노인 인구가 증가하고 있습니다. 또한 은퇴나 퇴직의 연령이 점차 이른 나이인 50대로 옮겨간 특징에 따라서 젊은 세대에서도 노후준비가 급선무가 되고 있습니다.</p><figure data-filename="01 주택연금 가입자격.jpg" data-origin-width="699" data-origin-height="694" data-ke-mobilestyle="widthContent" class="clear" data-reader-unique-id="8" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; margin: 1.4em 0px; max-width: 100%; font-size: 0.75em; line-height: 1.5em; font-family: -apple-system-font; color: rgba(0, 0, 0, 0.65098); clear: both;"><span data-url="https://blog.kakaocdn.net/dn/9TOQ0/btqE75Bpbfc/BlkKilnFarbrDH8fnckZX0/img.jpg" data-lightbox="lightbox" data-alt="주택연금 가입자격" data-reader-unique-id="9" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/9TOQ0/btqE75Bpbfc/BlkKilnFarbrDH8fnckZX0/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2F9TOQ0%2FbtqE75Bpbfc%2FBlkKilnFarbrDH8fnckZX0%2Fimg.jpg" data-filename="01 주택연금 가입자격.jpg" data-origin-width="699" data-origin-height="694" data-ke-mobilestyle="widthContent" data-reader-unique-id="10" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 699px; margin-inline-start: -22.4609375px;"></span><figcaption data-reader-unique-id="11" style="max-width: 100%; margin-top: 0.8em; width: 654.078125px;">주택연금 가입자격</figcaption></figure><p data-reader-unique-id="13" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;"><b data-reader-unique-id="14" style="max-width: 100%;">이런 시기에 주택을 소유하고 있다면 든든한 국가제도가 바로 주택연금 제도인데요. 오늘은 주택연금 가입자격에 대해 알아보도록 하겠습니다.</b></p><h3 data-ke-size="size23" data-reader-unique-id="15" style="font-style: normal; font-variant-caps: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; font-weight: bold; font-size: 1.25em; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo";"><b data-reader-unique-id="16" style="max-width: 100%;">주택연금이란?</b></h3><figure data-filename="44.jpg" data-origin-width="547" data-origin-height="233" data-ke-mobilestyle="widthContent" class="clear" data-reader-unique-id="18" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; margin: 1.4em 0px; max-width: 100%; font-size: 0.75em; line-height: 1.5em; font-family: -apple-system-font; color: rgba(0, 0, 0, 0.65098); clear: both;"><span data-url="https://blog.kakaocdn.net/dn/bzom9Y/btqE7oBHakl/1ftEalsRO7wLVHDblV34Q1/img.jpg" data-lightbox="lightbox" data-alt="주택연금 가입자격" data-reader-unique-id="19" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/bzom9Y/btqE7oBHakl/1ftEalsRO7wLVHDblV34Q1/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fbzom9Y%2FbtqE7oBHakl%2F1ftEalsRO7wLVHDblV34Q1%2Fimg.jpg" data-filename="44.jpg" data-origin-width="547" data-origin-height="233" data-ke-mobilestyle="widthContent" data-reader-unique-id="20" style="max-width: 100%; margin: 0.5em auto; display: block; height: auto;"></span><figcaption data-reader-unique-id="21" style="max-width: 100%; margin-top: 0.8em; width: 654.078125px;">주택연금 가입자격</figcaption></figure><p data-reader-unique-id="23" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;">주택연금은 <b data-reader-unique-id="24" style="max-width: 100%;">은퇴나 퇴직 이후 집을 소유하고 있지만 생활비가 부족한 어르신들이 일정기간 혹은 평생동안 안정적인 수입을 얻을 수 있도록 집을 담보로 맡기면 가입자 및 배우자 모두에게 자기집에 평생 거주를 보장하면서 매월 국가가 보증하는 연금을 받는 제도입니다.</b> (부부의 경우 배우자가 사망하더라도 연금수령액은 감액되지 않고 100% 동일한 금액으로 지급됩니다.)</p><figure class="clear" data-reader-unique-id="26" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; margin: 1.4em 0px; max-width: 100%; font-size: 0.75em; line-height: 1.5em; font-family: -apple-system-font; color: rgba(0, 0, 0, 0.65098); clear: both;"><div data-reader-unique-id="27" style="max-width: 100%;"><span data-url="https://blog.kakaocdn.net/dn/c7lxCn/btqE6jOAf5x/3kvV54cIEd0uH8cSzUYTR1/img.jpg" data-lightbox="lightbox" data-filename="03.jpg" data-origin-width="865" data-origin-height="411" data-reader-unique-id="28" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/c7lxCn/btqE6jOAf5x/3kvV54cIEd0uH8cSzUYTR1/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fc7lxCn%2FbtqE6jOAf5x%2F3kvV54cIEd0uH8cSzUYTR1%2Fimg.jpg" data-reader-unique-id="29" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span><span data-url="https://blog.kakaocdn.net/dn/bSHX4D/btqE6MXaexf/xmPmXl2oD2l9lLzdugsJb0/img.jpg" data-lightbox="lightbox" data-filename="03_00000.jpg" data-origin-width="865" data-origin-height="411" data-reader-unique-id="30" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/bSHX4D/btqE6MXaexf/xmPmXl2oD2l9lLzdugsJb0/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbSHX4D%2FbtqE6MXaexf%2FxmPmXl2oD2l9lLzdugsJb0%2Fimg.jpg" data-reader-unique-id="31" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span></div></figure><p data-reader-unique-id="33" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;">아무래도 국가에서 보증하는 제도이기 때문에 매월 지급받는 연금지급이 중단되는 위험이 발생하지 않습니다. 또한 주택연금을 받던 부부가 모두 사망하게 되면 주택을 처분하여 정산하게 되는데 이때 사망하기 전까지 받은 연금수령액이 주택의 가격을 초과하더라도 상속인에게 청구하지 않습니다. <b data-reader-unique-id="34" style="max-width: 100%;">이와 반대로 정산한 연금수령액이 집값보다 적으면 남는 부분은 상속인에게 돌아가게 됩니다.</b></p><h3 data-ke-size="size23" data-reader-unique-id="36" style="font-style: normal; font-variant-caps: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; font-weight: bold; font-size: 1.25em; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo";"><b data-reader-unique-id="37" style="max-width: 100%;">주택연금 가입조건</b></h3><h4 data-ke-size="size20" data-reader-unique-id="38" style="font-style: normal; font-variant-caps: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; font-weight: bold; font-size: 18px; margin: 1em 0px; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo";"><b data-reader-unique-id="39" style="max-width: 100%;">1)주택연금 가입자격 거주요건</b></h4><figure data-filename="03_00001.jpg" data-origin-width="865" data-origin-height="411" data-ke-mobilestyle="widthContent" class="clear" data-reader-unique-id="41" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; margin: 1.4em 0px; max-width: 100%; font-size: 0.75em; line-height: 1.5em; font-family: -apple-system-font; color: rgba(0, 0, 0, 0.65098); clear: both;"><span data-url="https://blog.kakaocdn.net/dn/T1D3m/btqE6jHR7vN/KBADlxr09jrcH82qfcvu50/img.jpg" data-lightbox="lightbox" data-alt="주택연금 가입자격" data-reader-unique-id="42" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/T1D3m/btqE6jHR7vN/KBADlxr09jrcH82qfcvu50/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FT1D3m%2FbtqE6jHR7vN%2FKBADlxr09jrcH82qfcvu50%2Fimg.jpg" data-filename="03_00001.jpg" data-origin-width="865" data-origin-height="411" data-ke-mobilestyle="widthContent" data-reader-unique-id="43" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span><figcaption data-reader-unique-id="44" style="max-width: 100%; margin-top: 0.8em; width: 654.078125px;">주택연금 가입자격</figcaption></figure><p data-reader-unique-id="46" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;"><i data-reader-unique-id="47" style="max-width: 100%;"><b data-reader-unique-id="48" style="max-width: 100%;">주택연금에 가입하기 위해서는 가입자나 배우자가 실제로 거주하고 있어야 가능합니다.</b> </i>만약 해당주택을 전세나 월세로 주고 있는 경우에는 주택연금 가입이 불가능합니다. <b data-reader-unique-id="49" style="max-width: 100%;">하지만 부부 중 한 명이 거주하고 있으며, 보증금 없이 주택의 일부만을 월세로 주고 있다면 주택연금 가입이 가능합니다.</b></p><h4 data-ke-size="size20" data-reader-unique-id="51" style="font-style: normal; font-variant-caps: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; font-weight: bold; font-size: 18px; margin: 1em 0px; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo";"><b data-reader-unique-id="52" style="max-width: 100%;">2) 주택연금 가입 가능 연령</b></h4><figure class="clear" data-reader-unique-id="54" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; margin: 1.4em 0px; max-width: 100%; font-size: 0.75em; line-height: 1.5em; font-family: -apple-system-font; color: rgba(0, 0, 0, 0.65098); clear: both;"><div data-reader-unique-id="55" style="max-width: 100%;"><span data-url="https://blog.kakaocdn.net/dn/oGddZ/btqE6LKHphl/D7JtphrEXAZq6X5VlVUswK/img.jpg" data-lightbox="lightbox" data-filename="03_00002.jpg" data-origin-width="865" data-origin-height="411" data-reader-unique-id="56" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/oGddZ/btqE6LKHphl/D7JtphrEXAZq6X5VlVUswK/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FoGddZ%2FbtqE6LKHphl%2FD7JtphrEXAZq6X5VlVUswK%2Fimg.jpg" data-reader-unique-id="57" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span><span data-url="https://blog.kakaocdn.net/dn/wNtcY/btqE6NBIgMf/kXNWqV6NRH8I7vD6phn2KK/img.jpg" data-lightbox="lightbox" data-filename="03_00003.jpg" data-origin-width="865" data-origin-height="411" data-reader-unique-id="58" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/wNtcY/btqE6NBIgMf/kXNWqV6NRH8I7vD6phn2KK/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FwNtcY%2FbtqE6NBIgMf%2FkXNWqV6NRH8I7vD6phn2KK%2Fimg.jpg" data-reader-unique-id="59" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span></div></figure><p data-reader-unique-id="61" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;">근저당권 성절일을 기준으로 하여 부부 중 주택을 소유하고 있거나 소유자의 배우자가 대한민국 국민이면서 만 55세 이상이면 주택연금에 가입할 수 있습니다. (한국인이 아닌 외국인 단독이나 부부 모두 외국인인 경우에는 주택연금에 가입할 수 없으니 주의하시기 바랍니다.)</p><p data-reader-unique-id="62" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;"><i data-reader-unique-id="63" style="max-width: 100%;"><b data-reader-unique-id="64" style="max-width: 100%;">여기서 배우자가 만 60세 이상이라면 그 중 연소자가 만 55세 ~ 만 74세에 해당하면 가능하며, 기초연금 수급자에 해당한다면 우대방식의 주택연금을 지급 받을 수 있으며 이때 주택 소유자나 배우자가 만 65세 이상입니다.</b></i></p><h4 data-ke-size="size20" data-reader-unique-id="66" style="font-style: normal; font-variant-caps: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; font-weight: bold; font-size: 18px; margin: 1em 0px; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo";"><b data-reader-unique-id="67" style="max-width: 100%;">3) 대상주택</b></h4><figure data-filename="03_00004.jpg" data-origin-width="865" data-origin-height="411" data-ke-mobilestyle="widthContent" class="clear" data-reader-unique-id="69" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; margin: 1.4em 0px; max-width: 100%; font-size: 0.75em; line-height: 1.5em; font-family: -apple-system-font; color: rgba(0, 0, 0, 0.65098); clear: both;"><span data-url="https://blog.kakaocdn.net/dn/7DykS/btqE7AokcQm/wopbt8a51z6RnfgZeu59bK/img.jpg" data-lightbox="lightbox" data-alt="주택연금 가입자격" data-reader-unique-id="70" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/7DykS/btqE7AokcQm/wopbt8a51z6RnfgZeu59bK/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2F7DykS%2FbtqE7AokcQm%2Fwopbt8a51z6RnfgZeu59bK%2Fimg.jpg" data-filename="03_00004.jpg" data-origin-width="865" data-origin-height="411" data-ke-mobilestyle="widthContent" data-reader-unique-id="71" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span><figcaption data-reader-unique-id="72" style="max-width: 100%; margin-top: 0.8em; width: 654.078125px;">주택연금 가입자격</figcaption></figure><p data-reader-unique-id="74" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;">공시지가가 9억원이고 시가로는 약 13억원에 해당되는 주택이 해당됩니다. <b data-reader-unique-id="75" style="max-width: 100%;">확정기간방식의 주택연금은 노인복지주택을 제외하고 가입할 수 있으며, 우대방식의 주택연금을 신청하기 위해서는 1.5억원 미만의 주택을 소유한 경우에만 가능합</b></p><p data-reader-unique-id="76" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;"><b data-reader-unique-id="77" style="max-width: 100%;">니다.</b></p><h4 data-ke-size="size20" data-reader-unique-id="78" style="font-style: normal; font-variant-caps: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; font-weight: bold; font-size: 18px; margin: 1em 0px; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo";"><b data-reader-unique-id="79" style="max-width: 100%;">4) 주택 보유수</b></h4><figure class="clear" data-reader-unique-id="81" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; margin: 1.4em 0px; max-width: 100%; font-size: 0.75em; line-height: 1.5em; font-family: -apple-system-font; color: rgba(0, 0, 0, 0.65098); clear: both;"><div data-reader-unique-id="82" style="max-width: 100%;"><span data-url="https://blog.kakaocdn.net/dn/Vp0wy/btqE6jnz10I/jmCIE3KKGzTq8qvzmTNUu1/img.jpg" data-lightbox="lightbox" data-filename="03_00005.jpg" data-origin-width="865" data-origin-height="411" data-reader-unique-id="83" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/Vp0wy/btqE6jnz10I/jmCIE3KKGzTq8qvzmTNUu1/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FVp0wy%2FbtqE6jnz10I%2FjmCIE3KKGzTq8qvzmTNUu1%2Fimg.jpg" data-reader-unique-id="84" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span><span data-url="https://blog.kakaocdn.net/dn/cR1RxH/btqE6w70i8x/WFZowZhd30wetr8E8B61ik/img.jpg" data-lightbox="lightbox" data-filename="03_00006.jpg" data-origin-width="865" data-origin-height="411" data-reader-unique-id="85" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/cR1RxH/btqE6w70i8x/WFZowZhd30wetr8E8B61ik/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FcR1RxH%2FbtqE6w70i8x%2FWFZowZhd30wetr8E8B61ik%2Fimg.jpg" data-reader-unique-id="86" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span></div><figcaption data-reader-unique-id="87" style="max-width: 100%; margin-top: 0.8em; width: 654.078125px;">주택연금 가입자격</figcaption></figure><p data-reader-unique-id="89" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;">부부기준으로 9억원 이하의 주택을 하나만 소유하고 있다면 주택연금을 신청할 수 있습니다. 다주택자라도 합산가격이 9억원 이하이면 가입 신청을 할 수 있습니다. <b data-reader-unique-id="90" style="max-width: 100%;">여기서 9억원을 초과하는 2주택자의 경우에는 3년 이내에 1주택을 팔면 주택연금에 가입할 수 있습니다.</b></p><h4 data-ke-size="size20" data-reader-unique-id="92" style="font-style: normal; font-variant-caps: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; font-weight: bold; font-size: 18px; margin: 1em 0px; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo";"><b data-reader-unique-id="93" style="max-width: 100%;">5) 채무관계자 자격</b></h4><figure data-origin-width="865" data-origin-height="411" data-ke-mobilestyle="widthContent" class="clear" data-reader-unique-id="95" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; margin: 1.4em 0px; max-width: 100%; font-size: 0.75em; line-height: 1.5em; font-family: -apple-system-font; color: rgba(0, 0, 0, 0.65098); clear: both;"><span data-url="https://blog.kakaocdn.net/dn/dxsbEQ/btqE7on9gCg/4kNkMvGwLMwVmZrxwhKmy1/img.jpg" data-lightbox="lightbox" data-alt="주택연금 가입자격" data-reader-unique-id="96" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/dxsbEQ/btqE7on9gCg/4kNkMvGwLMwVmZrxwhKmy1/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FdxsbEQ%2FbtqE7on9gCg%2F4kNkMvGwLMwVmZrxwhKmy1%2Fimg.jpg" data-origin-width="865" data-origin-height="411" data-ke-mobilestyle="widthContent" data-reader-unique-id="97" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span><figcaption data-reader-unique-id="98" style="max-width: 100%; margin-top: 0.8em; width: 654.078125px;">주택연금 가입자격</figcaption></figure><p data-reader-unique-id="100" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;"><b data-reader-unique-id="101" style="max-width: 100%;">실제로 주택연금에 가입하는 주택소유자 및 배우자에 해당하는 채무관계자는 의사능력 또는 행위능력이 있어야 가입이 가능하지만 채무관계자가 치매 등의 이유로 행위능력이나 의사능력이 없거나 부족한 경우인 경우 보호자는 '성년후견제도'를 이용하여 주택연금에 가입할 수 있습니다.</b></p><p data-reader-unique-id="102" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;">여기서 지급받을 수 있는 주택연금 수령액을 알고 싶다면 한국주택금융공사 홈페이지에서 간단하게 계산할 수 있기 때문에 궁금하신 분들은 홈페이지에 방문하여 찾아 보시는 것도 도움이 되겠습니다.</p><h3 data-ke-size="size23" data-reader-unique-id="104" style="font-style: normal; font-variant-caps: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; font-weight: bold; font-size: 1.25em; max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo";"><b data-reader-unique-id="105" style="max-width: 100%;">마치며</b></h3><figure class="clear" data-reader-unique-id="107" style="font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; margin: 1.4em 0px; max-width: 100%; font-size: 0.75em; line-height: 1.5em; font-family: -apple-system-font; color: rgba(0, 0, 0, 0.65098); clear: both;"><div data-reader-unique-id="108" style="max-width: 100%;"><span data-url="https://blog.kakaocdn.net/dn/dJzljJ/btqE7zQwerp/KOhscUrv91Z5mVAJ4VKaok/img.jpg" data-lightbox="lightbox" data-filename="03_00008.jpg" data-origin-width="865" data-origin-height="411" data-reader-unique-id="109" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/dJzljJ/btqE7zQwerp/KOhscUrv91Z5mVAJ4VKaok/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FdJzljJ%2FbtqE7zQwerp%2FKOhscUrv91Z5mVAJ4VKaok%2Fimg.jpg" data-reader-unique-id="110" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span><span data-url="https://blog.kakaocdn.net/dn/dAorRQ/btqE6kzZ45i/sZ0gKLwEf1Mk5KDks21Iu1/img.jpg" data-lightbox="lightbox" data-filename="03_00009.jpg" data-origin-width="865" data-origin-height="411" data-reader-unique-id="111" style="max-width: 100%;"><img src="https://blog.kakaocdn.net/dn/dAorRQ/btqE6kzZ45i/sZ0gKLwEf1Mk5KDks21Iu1/img.jpg" srcset="https://img1.daumcdn.net/thumb/R1280x0/?scode=mtistory2&fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FdAorRQ%2FbtqE6kzZ45i%2FsZ0gKLwEf1Mk5KDks21Iu1%2Fimg.jpg" data-reader-unique-id="112" class="extendsBeyondTextColumn" style="max-width: none; margin: 0.5em auto; display: block; height: auto; width: 794.078125px; margin-inline-start: -70px;"></span></div><figcaption data-reader-unique-id="113" style="max-width: 100%; margin-top: 0.8em; width: 654.078125px;">주택연금 가입자격</figcaption></figure><p><a href="https://go.evrunning.com/entry/%EC%A3%BC%ED%83%9D%EC%97%B0%EA%B8%88-%EA%B0%80%EC%9E%85%EC%9E%90%EA%B2%A9-%EC%B4%9D%EC%A0%95%EB%A6%AC" data-reader-unique-id="titleElement" style="color: rgb(65, 110, 210); max-width: 100%; font-family: "Apple SD Gothic Neo"; font-size: 18px;"></a><span style="caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;"></span></p><p data-reader-unique-id="115" style="max-width: 100%; caret-color: rgb(27, 27, 27); color: rgb(27, 27, 27); font-family: "Apple SD Gothic Neo"; font-size: 18px;">이렇게 정부에서는 노후 자금이 부족하여 생활하기 힘든 경우 주택을 담보로 매월 연금을 지급하여 노후에도 생활비 걱정 없이 지낼 수 있도록 주택연금제도를 실시하고 있다는 것을 말씀드렸습니다. <i data-reader-unique-id="116" style="max-width: 100%;"><b data-reader-unique-id="117" style="max-width: 100%;">어떻게 보면 집을 구입하기 위해 은행에서 주택을 담보로 돈을 빌리는 개념이고 이와 반대로 주택연금은 주택을 담보로 돈을 지급받는 개념이라고 이해하시면 좋을 것 같습니다.</b></i></p>
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