키위세이버 - 잘 알아야 손해 안본다
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2012.09.07 10:07
뉴질랜드 키위 세이버, 잘 알아야 손해 안본다
은행담당 옴부즈맨의 조사결과, 상당수의 사람들이 키위세이버(KiwiSaver) 제도에 대해 잘 알지 못해 생애 첫 주택구매 시 보조금을 이용할 수 있는 기회를 잃고 있는 것으로 나타났다.
이 제도의 보조금을 관장하고 있는 뉴질랜드 주택부(Housing New Zealand)는 키위세이버 가입자가 일정요건을 충족할 경우 자신들이 적립한 돈을 첫 집 장만에 사용할 수 있다고 말하고 있음에도 불구하고 많은 가입자들은 이 사실을 모르고 있다는 것이다.
키위세이버 제도는 이제 시행 후 3년이 지남으로써 초기 가입자들의 경우 적립금 인출 및 첫 집 장만 보조금에 대한 수혜요건을 충족하게 되었다.
2010년 6월까지의 통계자료를 모아 놓은 키위세이버 연차 보고서에 따르면, 전체 가입자의 25%가 주택 구입을 가입 이유로 들고 있음에도 불구하고 1백 6십만 전체 가입자 중 오직 393명 만이 첫 집 장만 보조금을 수령했으며, 가입자들의 키위세이버의 주택소유 관련사항에 대한 지식은 상대적으로 낮은 수준인 것으로 나타났다.
3천 ~ 5천 달러의 키위세이버 계약 보조금은 전체 계약금의 일부로서 주택 구매자 측 변호사의 신탁계정으로 바로 입금된다.
가입자들이 적립한 돈 역시 개별적인 키위세이버 서비스 제공자들에 의해 전체 계약금의 일부로서 지불된다.
첫 집 장만을 목표로 키위세이버에 가입한 교민들도 다시 한번 아래 자격요건을 확인하여 정당한 권리를 행사하지 못하는 불이익을 당하지 않기를 바란다.
* 키위세이버에 가입한 지 3년이 지났고 최소부담금 이상을 모두 납부한 경우
* 연 수입 10만 달러 이하인 커플(그룹의 경우 년 수입 14만 달러 이하)
* 오클랜드, 웰링턴 또는 퀸즈타운의 경우 40만 달러 이하의 주택을 구매하는 경우 또는 기타 지역의 경우 30만 달러 이하의 주택을 구매할 경우
<출처: 뉴질랜드 헤럴드>
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