죽을 때까지 돈 점점 더 받는다…9억짜리 집 한 채의 마법

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action="https://search.hankyung.com/apps.frm/search.total" method="get"> <fieldset> <legend>한국경제 통합검색</legend> <div class="layer__inner"> <div class="search__input__wrap"> <div class="search__input"> <input type="search" name="query" placeholder="뉴스 · 종목 검색" aria-label="검색어 입력" autocomplete="off" class="inp-field" value=""> <button type="button" class="btn-inp-reset" style="display: none;"> <span class="blind">검색어 삭제</span> <i class="icon--cir-x"></i> </button> </div> <button type="submit" class="btn-search" style="display: none;"> <span class="blind">검색</span> </button> </div> <div class="search__auto__wrap"> <ul class="autocomplete-result"></ul> </div> <button type="button" class="btn-close"> <span class="blind">검색창 닫기</span> </button> </div> </fieldset> </form> </div> </div> <script> $(document).ready(function(){ // 검색 레이어 열고/닫기 $('.hk-top__search .btn-total-search').click(function() { $('.hk-top__search .btn-inp-reset').trigger('click'); $('.hk-top__search').toggleClass('active'); $('.hk-top__search__layer input[type=search]').focus(); }); $('.hk-top__search .btn-close').click(function() { $('.hk-top__search').removeClass('active'); }); $(document).on('mouseup',function(e){ if (!$(e.target).hasClass('hk-top__search__layer') && !$(e.target).parents().hasClass('hk-top__search__layer')) { $('.hk-top__search').removeClass('active'); }; }); // 검색어 입력시 종목정보 호출 $('.hk-top__search input[type=search]').on('keyup', function(){ if($(this).val().length < 2){ $('.hk-top__search .btn-inp-reset').hide(); $('.hk-top__search .btn-search').hide(); $('.hk-top__search .hk-top__search__layer').removeClass('auto'); return false; } $('.hk-top__search__layer .btn-inp-reset').show(); $('.hk-top__search__layer .btn-search').show(); $.get('https://www.hankyung.com/ext-api/search-autocomplete?keyword='+encodeURI($(this).val()), function(data, status) { if(data.length == 0){ $('.hk-top__search .hk-top__search__layer').removeClass('auto'); return; } $(".hk-top__search .autocomplete-result").html(''); $.each(data, function(idx, val){ $(".hk-top__search .autocomplete-result").append(` <li class="type-stock"> <a href="${val.url}" title="${val.code}"> <span class="code">${val.code}</span> <span class="name">${val.name}</span> <span class="category">${val.market}</span> </a> </li> `); }); $('.hk-top__search .hk-top__search__layer').addClass('auto'); }); }); // 검색어 삭제 $('.hk-top__search .btn-inp-reset').on('click', function(){ $('.hk-top__search input[type=search]').val(''); $('.hk-top__search .btn-inp-reset').hide(); $('.hk-top__search .btn-search').hide(); $('.hk-top__search .hk-top__search__layer').removeClass('auto'); }); }); </script>   <div class="item hk-top__user">  <button type="button" class="btn-hk-user before-login" style="display: none;"> 로그인 </button>  <button type="button" class="btn-hk-user after-login" style="display: none;"> <span class="blind">회원 메뉴</span> </button> <div class="hk-user__layer"> <div class="layer-inner">  <div class="hk-user__info before" style="display: none;"> <div class="hk-user__btns"> <a href="https://member.hankyung.com/apps.frame/sso.join" class="btn-join return-url" rel="nofollow"> <span class="txt">회원가입</span> </a> <a href="https://member.hankyung.com/apps.frame/login" class="btn-login return-url" rel="nofollow"> <span class="txt">로그인</span> </a> </div> <div class="info__panel"> <div class="info-item info-msg"> <p><strong>한국경제 회원이 되어 보세요</strong></p> <p>지금 바로 한국경제 회원으로 가입하시고, 독점 혜택을 누려보세요</p> </div> <ul class="info-item member-benefit"> <li>특별한 뉴스와 분석 보고서 접근</li> <li>주식 시장 및 경제 동향에 대한 최신 정보</li> <li>한경만의 독자적인 콘텐츠에 대한 접근</li> <li>이벤트 및 세미나 참가 기회</li> </ul> <p class="info-item txt"> 이미 회원이시면 <strong><a href="https://member.hankyung.com/apps.frame/login" class="return-url">로그인</a></strong>을 클릭해 주세요 </p> </div> <div class="hk-user__links"> <div class="item"> <a href="https://www.hankyung.com/help" class="item" rel="nofollow">고객센터</a> </div> </div> </div>  <div class="hk-user__info after" style="display: none;"> <div class="info__mypages"> <div class="my-item my-item-account"> <a href="https://member.hankyung.com/apps.frame/member.main" class="my-item__link return-url"> <div class="my-item__icon account-email-icon"></div> <div class="my-item__txt"> <p class="tit account-email"></p> <p class="desc">계정관리</p> </div> </a> </div>  <div class="my-item my-item-myhankyung"> <a href="https://www.hankyung.com/myhankyung" class="my-item__link"> <div class="my-item__txt"> <p class="tit">My한경</p> <p class="desc">기자 구독, 스크랩, 증권</p> </div> </a> </div> <p class="info-txt">한경 AI! 당신의 취향과 관심사를 분석하여 꼭 맞는 뉴스를 선별해드립니다.</p>  <div class="my-item my-item-subscribe"> <a href="https://www.hankyung.com/pay" class="my-item__link"> <div class="my-item__txt"> <p class="tit">구독</p> <p class="desc">유료 상품</p> </div> </a> </div> </div> <div class="hk-user__links"> <div class="item"> <a href="https://member.hankyung.com/apps.frame/login.work.logout" class="return-url">로그아웃</a> </div> <div class="item"> <a href="https://www.hankyung.com/help" class="item" rel="nofollow">고객센터</a> </div> </div> </div> </div> <button type="button" class="btn-close-layer"> <span class="blind">회원 메뉴 닫기</span> </button> </div> </div> <script> // 로그인 여부 체크 function signInCheck(){ // 운영/개발서버 회원 도메인(member) 분기 let is_stg = false; if(location.host != location.host.replace("stg-", "") ){ is_stg = true; } const url = escape(document.location.href); $('.hk-top__user .hk-user__info a.return-url').each(function(index,element){ let member_url = $(element).attr('href'); if(is_stg == true){ member_url = member_url.replace("https://member.hankyung.com", "https://stg-member.hankyung.com"); } $(element).attr('href', member_url+'?url='+url); }); const user_id = $.cookie('UserId'); const tokenCookie = $.cookie('ssoToken'); if(!tokenCookie){ $('.hk-top__user .btn-hk-user.before-login').show(); $('.hk-top__user .hk-user__info.before').show(); $('.hk-top__user .btn-hk-user.after-login').remove(); $('.hk-top__user .hk-user__info.after').remove(); return false; } let checkFlag = true; if( $.cookie('ssoTokenCheckTime') && user_id){ const checkTime = $.cookie('ssoTokenCheckTime'); const today = new Date().toISOString().substring(0,10); if( checkTime == today ) checkFlag = false; } if(!checkFlag){ setSingInfo({result_code:'0000'}); return false; } // 2024.09.26 운영/stg 토큰 구분 추가 tokenUrl = "https://member.hankyung.com/apps.frame/sso.check.token"; if(is_stg == true){ tokenUrl = "https://stg-member.hankyung.com/apps.frame/sso.check.token" } $.ajax({ type : "POST", url : tokenUrl, crossDomain: true, dataType: 'jsonp', jsonp: 'jsonp_callback', data : {'token' : tokenCookie, 'key' : "a8bdf898783883b64503b8915deeb57767f935a24daf44150723299c01c8898a", 'fn' : "setSingInfo" } }); } function setSingInfo(result){ if(result.result_code != "0000"){ $('.hk-top__user .btn-hk-user.before-login').show(); $('.hk-top__user .hk-user__info.before').show(); $('.hk-top__user .btn-hk-user.after-login').remove(); $('.hk-top__user .hk-user__info.after').remove(); return false; } $('.hk-top__user .btn-hk-user.before-login').remove(); $('.hk-top__user .hk-user__info.before').remove(); // 브라우저 종료시 만료되는 쿠키를 셋팅한다. $.cookie('ssoTokenCheckTime', new Date().toISOString().substring(0,10), { expires: null, path: '/', domain: 'hankyung.com'}); // 이름대신 통합회원ID 입력 let iconLoginType = 'icon-mylogin-email'; if($.cookie("login_type")){ iconLoginType = 'icon-mylogin-'+$.cookie("login_type"); } const textLoingTypes = { 'icon-mylogin-email':'한경으로 로그인', 'icon-mylogin-kakao':'카카오로 로그인', 'icon-mylogin-naver':'네이버로 로그인', 'icon-mylogin-google':'구글로 로그인', 'icon-mylogin-apple':'애플로 로그인' } const textLoingType = textLoingTypes[iconLoginType]; $('.hk-top__user .hk-user__info.after .my-item-account .my-item__icon').html('<span class="'+iconLoginType+'"><span class="blind">'+textLoingType+'</span></span>'); $('.hk-top__user .hk-user__info.after .my-item-account .my-item__txt .account-email').text($.cookie("SSOid")); $('.hk-top__user .btn-hk-user.after-login').show(); $('.hk-top__user .hk-user__info.after').show(); } $(document).ready(function(){ signInCheck(); // 회원 레이어 열고/닫기 $('.btn-hk-user').on("click", function() { $('.hk-top__user').toggleClass('active'); }); $('.hk-user__layer .btn-close-layer').on("click", function() { $('.hk-top__user').removeClass('active'); }); // 레이어닫기 $(document).on('mouseup',function(e){ if (!$(e.target).hasClass('hk-user__layer') && !$(e.target).parents().hasClass('hk-user__layer')) { $('.hk-top__user').removeClass('active'); }; }); }); </script>  </div> </div> </div> <div class="promotion-nav-wrap"> <div class="promotion-nav"></div> <div class="promotion-nav-all"><ul></ul></div> </div> <script> if($.fn.slick == undefined){ $('head').append('<link rel="stylesheet" href="https://hkstatic.hankyung.com/resource/common/library/slick/v1.8.1/slick.css">'); slickScript = document.createElement('script'); slickScript.src = "https://hkstatic.hankyung.com/resource/common/library/slick/v1.8.1/slick.min.js"; document.head.appendChild(slickScript); } function setSectionNavigationPostion(){ let path = document.location.pathname; if(path != '/' && path.lastIndexOf('/') == path.length -1){ path = path.slice(0, -1); } let menuarray = path.split("/"); menuarray.shift(); if(menuarray.length == 1 && !path.includes('all-news')){ return false; } // console.log(path); $('.section__nav .section__gnb > li > a').each(function(index, element){ // 2024.11.07 url에 상대경로 있는 경우 const url = new URL($(element).attr('href'), location.origin); let linkpath = url.pathname; if(linkpath.lastIndexOf('/') == linkpath.length -1){ linkpath = linkpath.slice(0, -1); } if(path == linkpath){ $(element).closest('li').addClass('on'); return false; } }); $('.section__nav .section__gnb .nav-dropdown__menu a').each(function(index, element){ // 2024.11.07 url에 상대경로 있는 경우 const url = new URL($(element).attr('href'), location.origin); let linkpath = url.pathname; if(linkpath.lastIndexOf('/') == linkpath.length -1){ linkpath = linkpath.slice(0, -1); } if(path == linkpath){ $(element).closest('li.nav-dropdown').addClass('on'); return false; } }); } $(function () { let is_stg = false; if(location.host != location.host.replace("stg-", "") ){ is_stg = true; } // 2024.07.30 스크롤이 0일때는 버튼 미노출, 스크롤이 0보다 크면 버튼 노출되도록 수정 by yongt // $(window).scroll(function(){ // if($(this).scrollTop() > 0){ // $("html").addClass("isSticky"); // }else{ // $('html').removeClass('isSticky'); // } // }); // 2024.10.07 hk-header 높이에 따라 html sticky class 적용되도록 수정 by yongt // Sticky header let headerTop = $('.hk-header').offset().top; let headerH = $('.hk-header').outerHeight(); // 초기 .hk-header 높이 세팅(fixed 후 스크롤 움직임 방지) $('.hk-header').css('height',headerH); // 스크롤이 헤더 영역을 지나면 html태그에 .isSticky 토글 $(window).scroll(function() { let winScr = $(this).scrollTop(); if (winScr > headerTop + headerH) { $('html').addClass('isSticky'); } else { $('html').removeClass('isSticky'); } }); setSectionNavigationPostion(); // 프로모션 정보 호출 let promotionUrl = 'https://www.hankyung.com/ext-api/promotion'; if(is_stg == true){ promotionUrl = 'https://stg-www.hankyung.com/ext-api/promotion'; } $.get(promotionUrl, function(data, status){ if(data.length == 0){ $('.promotion-nav-wrap').remove(); return; } $.each(data, function(idx, val){ $(".promotion-nav-wrap .promotion-nav").append('\ <div class="item">\ <a href="'+val.link+'" '+(val.isblank == 'Y' ? 'target="_blank" rel="nofollow"' : '')+'>'+val.title+'</a>\ </div>\ '); $(".promotion-nav-wrap .promotion-nav-all ul").append('\ <li>\ <a href="'+val.link+'" '+(val.isblank == 'Y' ? 'target="_blank" rel="nofollow"' : '')+'>'+val.title+'</a>\ </li>\ '); }); $('.promotion-nav a, .promotion-nav-all').on({ mouseenter: function () { $('.promotion-nav-all').addClass('on'); }, mouseleave: function () { $('.promotion-nav-all').removeClass('on'); } }); $('.promotion-nav').slick({ vertical: true, verticalSwiping: true, arrows: false, dots: false, autoplay: true, speed: 300, pauseOnHover: false, }); }); // gnb 메뉴 활성화 blur 처리 $('.nav-dropdown[data-event="hover"]').on('mouseout',function(){ $(this).find('.nav-dropdown__toggle, .nav-link').blur(); }); // 2024.10.31 프로모션 배너 정보 호출 추가 let gnb_banner_url = "https://www.hankyung.com/ext-api/gnb-banner"; if(is_stg == true){ gnb_banner_url = "https://stg-www.hankyung.com/ext-api/gnb-banner"; } $.get(gnb_banner_url, (data) => { if(data){ $(".banner-box").append(` <a href="${data.URL}" ${data.IS_OUTER == 'Y' ? 'target="_blank"' : ''}> <img src="${data.IMG2_URL}" alt="${data.ALT}"> </a> `); }else{ $(".banner-box").remove(); } }); }); </script> <div class="section__gnb__wrap"> <div class="section__logo__area"> <h1 class="section__logo"> <a href="https://www.hankyung.com/financial-market" class="section__title">금융</a> </h1> </div> </div> <div class="scroll-indicator"> <div></div> </div> </div> </header> <div class="ad-top ad_area" style="height: 250px;"></div>  <div id="container"> <div class="article-wrap"> <div class="article-container v2"> <article class="article-contents"> <h1 class="headline"> "죽을 때까지 돈 '점점 더' 받는다"…9억짜리 집 한 채의 마법 [일확연금 노후부자] </h1> <div class="content "> <div class="article"> <div class="article-byline-wrap"> <div class="author-container login_need">  <div class="author-list"> <div class="author link subs_author_list" data-email="justjin@hankyung.com" data-name="정의진 기자"> <a href="https://www.hankyung.com/reporter/804" class="item">정의진 기자</a> <button type="button" 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</button> <div class="hk__tooltip top"> 프린트 </div> </li> </ul> </div> </div> <div class="article-body-wrap"> <div class="summary"> 주택연금 지급유형별 월수령액 비교<br /> 대다수의 선택은 평생 일정한 '고정형'<br /> 초기증액형, 초기에 '빠짝' 받고 감소<br /> 정기증가형은 3년마다 4.5%씩 늘어나 </div> <div class="article-body" id="articletxt" itemprop="articleBody"> <figure class="article-figure"> <div class="figure-img"> <img src="https://img.hankyung.com/photo/202409/01.38001988.1.jpg" alt="지난 8일 서울 남산에서 바라본 서울 서초구 일대 아파트 모습. /사진=연합뉴스"> </div> <figcaption class="figure-caption" style="width:1200px;">지난 8일 서울 남산에서 바라본 서울 서초구 일대 아파트 모습. /사진=연합뉴스</figcaption> </figure> 주택연금은 개인이 소유한 집을 한국주택금융공사에 담보로 제공하고 집에 살기만 하면 매달 수십만원에서 수백만원의 현금을 죽을 때까지 받는 사회보장 제도입니다. 가입자가 사망한 이후 집의 소유권이 한국주택금융공사로 넘어가게 되지만, 자산이라고는 집 한 채가 전부인 고령층에겐 별다른 노력 없이 넉넉한 소득을 챙길 수 있는 유용한 제도죠.<br /><br />하지만 주택연금에 가입하기 이전에 반드시 고민해봐야 하는 부분이 있습니다. 바로 물가입니다. 주택연금에 가입해 매달 받는 수령액은 가입 시점에 고정됩니다. 나중에 집값이 올라도 주택연금 수령액은 오르지 않기 때문에 주택연금은 물가가 많이 오르면 오를수록 불리합니다.<br /><br />20년 전의 국내 물가와 현재 시점의 물가를 비교해보면 차이가 크게 느껴지죠. 마찬가지로 20년 뒤의 물가는 지금보다 높을 겁니다. 20년 뒤에 받을 주택연금 수령액이 당장 다음달 받을 주택연금 수령액과 액수는 똑같을지라도 가치는 낮아질 것이란 의미입니다.<br /><br />그렇다면 주택연금에 가입하지 말아야 하는 걸까요. 그렇지 않습니다. 주택연금은 가입자의 선택에 따라 초기에 많이 받고 나중에 적게 받을 수도 있고, 초기에 적게 받는 대신 시간이 갈수록 월수령액이 늘어나는 유형을 택해 물가 상승으로 인한 화폐가치 하락을 대비할 수도 있습니다.<br /><br />자세히 알아보죠. 주택연금은 가입자에 대한 한국주택금융공사의 지급유형에 따라 크게 세 가지로 나뉩니다. 우선 '정액형'입니다. 정액형은 가입 시점부터 사망할 때까지 평생 받은 월수령액이 매달 똑같이 유지되는 방식으로, 가장 일반적입니다. 주택연금 가입자의 70.2%가 정액형을 선택했죠. 일반적인 정액형 주택연금 가입자가 매달 받는 수령액이 나이와 주택 가격에 따라 어떻게 다른지에 대해선 지난 '일확연금 노후부자' 기사(<a href="https://www.hankyung.com/article/202406057613i"><strong>"국민연금도 없는데 어떻게"…평생 月300만원 받는 방법 [일확연금 노후부자]</strong></a>)에서 자세히 설명드린 바 있습니다. <figure class="article-figure"> <div class="figure-img"> <img src="https://img.hankyung.com/photo/202409/01.38001909.1.jpg" alt="한국주택금융공사 제공"> </div> <figcaption class="figure-caption" style="width:1200px;">한국주택금융공사 제공</figcaption> </figure> 두 번째 지급유형은 '초기증액형'입니다. 가입 초기엔 많이 받고, 일정한 시간이 흐른 뒤엔 정액형보다 상대적으로 적은 액수를 받는 방식입니다. 주택연금 가입 초기에 많은 현금이 필요하거나 향후 남은 수명이 얼마 남지 않을 것으로 예상될 경우 고려해볼 만한 유형이죠. 다만 시간이 흘러 수령액 규모 자체가 줄어들기 때문에 물가 상승으로 인한 화폐가치 하락의 충격이 더 클 수 있습니다. 초기증액형은 가입 초반에 증액된 월수령액을 받는 기간에 따라 3년형, 5년형, 7년형, 10년형 등으로 다시 분류됩니다. 경우에 따라 얼마나 많이 받을 수 있는지는 세 번째 지급유형까지 알아본 이후에 자세히 후술하겠습니다.<br /><br />세 번째 지급유형은 '정기증가형'입니다. 주택연금 가입 초기엔 정액형이나 초기증액형보다는 상대적으로 적은 액수를 받더라도, 월수령액이 3년마다 4.5%씩 일정하게 증가해 시간이 흐를수록 더 많은 현금을 받을 수 있는 유형입니다. 물가 상승으로 인한 화폐가치 하락을 대비할 수 있는 유형이기 때문에 가입 초기에 당장 많은 금액이 필요하지 않으면서 수명이 길게 이어질 것으로 예상된다면 유리한 방식입니다.<br /><br />그렇다면 지급유형에 따라 실제로 매달 받는 금액에 얼마나 큰 차이가 나는지 예를 들어보겠습니다. 나이가 70세인 A씨가 9억원인 집으로 정액형 주택연금에 가입하면 가입 시점부터 사망할 때까지 매달 266만원을 받습니다.<br /><br />반면 A씨가 동일한 주택으로 초기증액형(3년)에 가입하면 가입 직후 첫 3년 동안은 매달 352만원을 받고, 4년차부터 평생 246만원을 받게 됩니다. 첫 3년은 정액형과 비교해 다달이 86만원씩 더 받지만 4년차 이후로는 죽을 때까지 매달 20만원씩 적은 금액을 받는 셈이죠.<br /><br />A씨가 초기증액형(5년)을 선택할 경우엔 가입 시점부터 5년 동안 337만원을 받고 6년차부터 236만원을 받습니다. 초기증액형(7년)을 택한다면 첫 7년은 325만원, 8년차부터는 평생 228만원을 받고요. 초기증액형(10년)을 고르면 첫 10년 동안 311만원, 11년차부터 죽을 때까지 218만원을 월수령액으로 받습니다. <figure class="article-figure"> <div class="figure-img"> <img src="https://img.hankyung.com/photo/202409/01.38001986.1.jpg" alt="한국주택금융공사 제공"> </div> <figcaption class="figure-caption" style="width:834px;">한국주택금융공사 제공</figcaption> </figure> 세 번째 지급유형인 정기증가형 주택연금에 A씨가 동일한 조건으로 가입하면 가입 직후 3년 동안은 매달 229만원을 받습니다. 정액형(266만원)과 비교해 37만원 적은 셈입니다. 하지만 3년마다 4.5%씩 월수령액이 늘어나기 때문에 4~6년차엔 239만원을 받고, 7~9년차엔 250만원을 받습니다. 10~12년차엔 261만원, 13~15년차 수령액은 273만원입니다.<br /><br />A씨가 정기증가형에 가입할 경우 70세부터 81세까지는 정액형(266만원)보다 매달 받는 금액이 적지만, 82세부터는 정액형보다 상대적으로 많은 액수를 받기 시작하는 것입니다. A씨가 만약 100세까지 산다면 100세 시점의 월수령액은 355만원까지 늘어납니다.<br /><br />그렇다면 이미 정액형을 선택해 주택연금을 받기 시작한 개인은 물가 상승으로 인한 화폐가치 하락을 아예 대비할 수 없게 되는 걸까요? 아닙니다. 한국주택금융공사에 따르면 주택연금 수령이 시작된 시점으로부터 3년이 되기 전까지는 1회에 한해 지급유형 변경이 가능합니다.<br /><br />정의진 기자 justjin@hankyung.com </div> </div> <div class="empathy-wrap not_personal_service"> <button type="button" class="btn-like" data-kind="1" data-reaction="good" onclick="clickReaction('202409137637i', 1, this)"> <svg x="0" y="0" width="26" height="28" viewBox="0 0 25.3 25.5"> <path class="svg-icon" d="M24.7,11c-1-1.4-2.9-1.4-3.2-1.4h-4.9c-0.1,0-0.2-0.1-0.2-0.1c0-0.1-0.1-0.2,0-0.3c0.4-0.6,0.6-1.1,0.8-1.4 c0.5-1,2-4.4-0.3-6.7c-1-1-2.2-1.3-3.4-1c-0.8,0.2-1.4,0.7-1.9,1.4L6,9.6H1c-0.6,0-1,0.5-1,1v13.8c0,0.6,0.5,1,1,1h5.5h10.4 c0.7,0,1.3-0.1,2-0.4c1.3-0.5,2.3-1.5,2.9-2.8l0-0.1c0.7-1.5,2.3-4.9,3.1-7.2C25.5,13.4,25.4,12,24.7,11z M2.1,11.7h3.4v11.7H2.1 V11.7z M23,14.3c-0.7,2.1-2.3,5.5-3,7l0,0.1c-0.4,0.8-1,1.5-1.8,1.8c-0.4,0.2-0.9,0.3-1.3,0.3H7.5V11l5.7-8.3 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