The yellow umbrella is a government-backed public system that helps businesses prepare large amounts of money in the form of retirement allowances. Established in 2007, it is managed and operated by the Korea Federation of Small and Medium Enterprises and supervised by the Ministry of SMEs and Startups. The yellow umbrella is for small business owners of small businesses, and freelancers who are deducted from withholding tax can also sign up.The business operator can pay a large sum of money from the yellow umbrella and be paid when it closes. The purpose of the installment is to use a yellow umbrella to provide a stable life and opportunity to resume business even after closing the business.
▼ The amount of installments paid like installment savings for the purpose of preparing a large amount of money can be determined by the operator at the time of subscription.* From minimum 50,000 won to maximum 1 million won in units of 10,000 won * Payment amount can be adjusted depending on workplace conditions ▼ Interest advantageous to long-term subscribers on yellow umbrellas?* Interest is added to the interest at the annual compound interest rate, so you can prepare an effective lump sum of money.* Interest rates are measured quarterly and the current 3.3 percent interest rate is applied. ▼ Example table of income deductions by yellow umbrella tax base
▼ Does it apply to the amount to be multiplied and the tax saving effect?The yellow umbrella applies to the amount of income deduction effect paid, and you can receive tax savings up to 5 million won per year. ▼ What is the measurement standard of the income deduction limit? It is applied differently by tax base, and the higher the income deduction limit is for businesses with lower income. Therefore, the limit amount may vary depending on the income of the business operator.▼ Other benefits?The yellow umbrella provides various benefits to provide stable living and business cost savings for operators.
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* Income deduction tax reduction benefits * annual benefit interest, 3.3% interest rate * subscription incentive support, local government special bonus * foreclosure protection law, total payment legal protection * operational fund procurement * welfare plus accident insurance 2 years support ▼ how to receive subscription incentive?The subscription incentive is provided as a separate benefit by the government local government, which is provided to new operators who subscribe to yellow umbrellas, and is automatically transferred to the amount of the payment.▼ yellow umbrella subscription incentives by region
▼ How much is the subscription incentive?It is applied differently by local government, and you can receive about 10,000 won to 20,000 won in incentives every month for a year. About 240,000 won in subscription incentives will be provided.▼ How long do I apply for the membership incentive?You must apply for a subscription incentive within 30 days of receiving a new subscription. Since it is accommodated within the budget planned by the local government, it will be held on a first-come, first-served basis until the subsidy is exhausted. If the budget planned by local governments is exhausted early, applications may be restricted.
▼ Which industries can I sign up for yellow umbrellas?Small business owners and freelancers eligible for subscription can sign up for all industries. Freelance industry example) Insurance design, various dealers, hairdressers, editing outsourcing services, athletes, computer programmers, field construction, home delivery, car delivery, technical service, design freelancer, health trainer, headhunter, after-school teacher
▼ Which industries can I sign up for yellow umbrellas?Small business owners and freelancers eligible for subscription can sign up for all industries. Freelance industry example) Insurance design, various dealers, hairdressers, editing outsourcing services, athletes, computer programmers, field construction, home delivery, car delivery, technical service, design freelancer, health trainer, headhunter, after-school teacherWhat are the benefits of the SME support system for all industries? [Mutual Aid Fund]The Mutual Aid Fund, which examines how to raise stable business expenses with the Mutual Aid Fund, is a public system created by the government to provide more stable working capital to operators who own businesses after holding business registration cards. Subscribed operators raise funds with installments and government contributions that they pay like installment savings to raise operating funds to operators. Through the mutual aid project fund, operators can stably lend money so that they can enjoy management stability and bankruptcy prevention effects even in financial difficulties.▼ If you apply for funding from the mutual aid project fund, benefits that are more advantageous than other financial institutions or systems will be applied.▼ Full exemption of prepayment fees, measurement of limit within 3 to 10 times the total amount of payment, 100% of interest expenditure, extension of repayment period up to 3 years, interest rate cut benefits, etc. ▼ The benefits ease the burden of using funds. ▼ Types of Small and Medium Enterprise Mutual Aid Fund Funding▼ Local governments cooperating with the Mutual Aid Project Fund are providing interest rate cuts by providing interest rates of 1-2% p on loans when raising funds. The support project is operated with the budget of local governments, so if the budget is exhausted early, support is limited. ▼ The maximum amount of money in the mutual aid business fund is applied differently depending on the availability of collateral is provided. Even if collateral is not provided, the mutual aid project fund can apply for financing, and if there is no collateral, it is applied up to three times the total amount of the premium payment. When providing collateral, the limit amount increases and the use of funds can be used up to 10 times the total amount of the premium payment.▼ Examples of loan limits by amount of mutual aid funds paid by SMEs▼ Interest is added to the mutual aid fund until maturity. At maturity, an annual interest rate of 1.5% is applied to the full amount and can be paid.If the installment amount is maintained even after maturity, the annual interest rate of 1.7% will be applied to the full amount every three months. ▼ In order to use the mutual aid business fund in a one-click non-face-to-face manner, it can be done through an online homepage or mobile app. The service can be used to accommodate short-term operating funds up to 1.5 times the total amount paid.▼ Business operators who subscribe with yellow umbrellas can receive additional interest rate cuts every time they use funds from the mutual aid project fund. In addition, yellow umbrella preferential loans can be used up to 20 million won.▼ The Mutual Aid Business Fund allows any business operator eligible for membership to join all industries.Examples of detailed industries: Wholesale and retail, construction machinery contract and goods rental, all food and beverage related industries, restaurants, postpartum care, construction related industries, paper processing, metal welding, software system consulting, meat processingThe most important “Mutual Aid Business Fund” and the “Yellow Umbrella Deduction” SME Support Policy, which has continued since 1984, are the most professional systems. Government support… blog.naver.com<Copyright ⓒ blog.naver.com/jha409 >––––––––––––––––––––––––– Track: Soave — Vendredi [Audio Library Release]Music from Audio Library PlusWatch: https://youtu.be/BWbhVQHd2N4Free Download/Stream: https://alplus.io/soave ––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––