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Kwon Aeri's friendly economic time. Reporter Kwon It's already been half this year, and the remaining half of 2020 will be different, and if you know, help or money, please introduce me today (30 days)?
Yes. First, there is a utility bill that is slightly reduced after a long time. Starting tomorrow, city gas bills for home use will be reduced by 11.2%.
The government estimates that if this level falls, gas prices will be lower for every house, about 2,000 won each month in summer and 8,000 won this winter.
The so-called city gas for general use, which is used by self-employed shops, has a greater cut. It is estimated that each store will save about 30,000 won per month on average by saving 12.7%.
The industry has decided to cut 15.3% more. Because the cost of fortress oil has been lowered, the cost of fuel for making city gas has been reduced by that amount.
But we are usually more interested in electricity bills. Electricity rates do not currently have a system that directly reflects changes in fuel costs.
This is called fuel cost interlocking system, and for the user, fuel cost interlocking system has advantages and disadvantages.
When it comes to oil, these days, the fare would be good to go down immediately, but when the price of oil rises, the fare that I will pay will rise as well.
However, KEPCO has been pushing to change the way electricity is calculated, and plans to decide in the second half.
Various plans are being discussed about how to change, but there is little talk that electricity rates, like city gas, should reflect the fuel cost linkage system. How it will be decided is one of the things to watch in the second half of this year.
And from July 1st tomorrow, will the individual consumption tax cut when buying a car decrease again?
Yes. Starting tomorrow, the individual consumption tax cut will be reduced to 30%. Therefore, the individual consumption tax is paid at the level of 3.5% of the difference between factory shipments.
From March to today, the individual consumption tax was reduced by 70%, so only 1.5% of the car price had to be reduced, but the cut will be reduced by more than half from tomorrow. From summer 2018 to last year, it will return to the level of reduction that has been in effect for a year and a half.
However, in the first half of the year, instead of lowering the individual consumption tax by 70%, it has been tied up that it only cuts within the limit of 1 million won. The individual consumption tax is also linked to other taxes and value added tax, which is education tax. So, if you buy a car between March and June, the maximum discount effect has been up to about 1.43 million won. From the second half, the tax cut will return to the level of last year. Instead, this limit is lost.
So if you are buying a very expensive car, the second half is more advantageous. It is more advantageous to buy a car in the second half of the year, when the factory price exceeds KRW 67 million.
For cars with lower prices, the tax burden is greater than now. In fact, it was only in January and February of this year that all 5% of individual consumption taxes were fully paid over the past two and a half years.
When the economy is not good or when trying to promote consumption, one of the first cards the government gives out is like this individual tax exemption, so those who bought a car in January or February of this year may feel upset, but most domestic cars In the second half of the year, the tax burden has been increased.
If the shipment is 30 million won, the combined burden of individual consumption tax and education tax will increase from 640,000 won to 1.5 million won, up to 88,000 won.
growing considerably, and is there something you're pushing to change the insurance policy that has been in trouble?
Yes. In the meantime, there have been cases where firefighters, soldiers, and couriers, who act like salt in our society, are not easy to get personal insurance.
The fact that they are doing something that can be a little dangerous means that insurers have classified so-called'rejection occupations'.
Insurance companies usually say that in the case of firefighters, they have group insurance, and they are already judging that they are looking at the job rather than refusing to see the job. It is a position that you should prepare an overall basis so that you will not be unreasonably disadvantaged when you try to take out individual insurance because of having a job.
Therefore, in the future, the standard business method of insurance will be made specifically to include provisions that discriminate against financial consumers just because they are engaged in a specific job.
[Friendly Economy] In the second half of 2020, don't miss the money tip
This is Kwon Aeri's friendly economic time. Reporter Kwon It's already been half this year, and the remaining half of 2020 will be different. Also, would you like to introduce us to help or money? Yes.
<Anchor> It is