2025년 추가 생계비 인정기준[서울회생법원]
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<추가생계비 인정 기준>
가. 주거비
1) 인정사유 : 아래 ① 또는 ④에 해당하는 등의 사정이 있어 채무자가 실제로 주거비를 지속적으로 지출할 것으로 보이는 경우
①주택담보대출 채권의 원리금을 상환하여야 한다는 점을 대출계약서, 부채증명서와 같이 이를 뒷받침할 수 있느 자료를 제출함으로써 소명하는 때 (주택을 소유하고 있을때)
②월 차임을 지급하여야 한다는 점을 임대차계약서, 월 차임 지급 사실을 알 수 있는 예금거래내역과 같이 이를 뒷받침할 수 있는 자료를 제출함으로써 소명하는 때 (월세로 살고 있을때)
③별제권부 전세자금대출채권의 이자액을 상환하여야 한다는 점을 대출계약서, 부채증명서와 같이 이를 뒷받침할 수 있는 자료를 제출함으로써 소명하는 때 (질권부, 채권양도부 전세자금 대출을 했을 때)
④전기요금, 수도요금, 가스요금 등 생계유지에 필수적으로 발생하는 비용을 소명하는 때
2) 인정범위 : 주거비는 아래의 각 표(단위: 원) 중, '추가 주거비 인정 한도' 부분에 기재된 금액의 한도 내에서 추가 생계비로 인정 가능함.
(서울특별시의 경우)
|
추가 주거비 인정 한도 |
기준 중위소득 60%에 포함된 것으로 볼 수 있는 주거비 |
주거비의 총 인정 한도 |
1인가구 |
513,887 |
255,467 |
769,354 |
2인가구 |
838,981 |
420,008 |
1,258,989 |
3인가구 |
1,072,931 |
536,708 |
1,609,639 |
4인가구 |
1,306,366 |
651,242 |
1,957,608 |
나. 교육비
1) 인정사유 : 아래 ① 또는 ②에 해당하는 경우
①채무자가 미성년 자녀에 대한 교육비로서 합리적이고 필요한 비용을 지속적으로 지출하여야 한다는 점을 납부고지서, 납입증명서와 같이 이를 뒷받침할 수 있는 자료를 제출함으로써 소명하는 때
②채무자가 자녀의 신체적 내지 정신적 장애 등으로 특수한 교육이 필요하여 지속적으로 비용을 지출하여야 한다는 점을 장애인진단서, 진단서, 납입증명서와 같이 이를 뒷받침할 수 있는 자료를 제출함으로써 소명하는 때
2) 인정범위 : 교육비는 아래의 각 표(단위: 원) 중, '추가 교육비 인정 한도' 부분에 기재된 금액의 한도 내에서 추가 생계비로 인정 가능함
(1)위 ①과 같은 교육비를 지출하여야 하는 경우
|
추가 교육비 인정 한도 |
기준 중위소득 60%에 포함된 것으로 볼 수 있는 교육비 |
교육비의 총 인정 한도 |
자녀 1인 기준 |
190,000 |
84,149 |
274,149 |
(2)위 ②와 같은 특수교육비를 지출하여야 하는 경우에 특별한 사정이 있는 때에는 500,000원을 초과하는 금액을 추가 교육비로 인정 가능함.
다. 의료비
1)인정사유 : 채무자가 본인 또는 그 부양가족을 위하여 합리적이고 필요한 의료비를 지속적으로 지출하여야 한다는 점을 진단서, 영수증과 같이 이를 뒷받침할 수 있는 자료를 제출함으로써 소명하는 경우
2)인정범위 : 추가 생계비로 인정 가능한 의료비는 아래의 표(단위: 원)에 기재된 액수를 초과하는 의료비 지출임
|
기준 중위소득 60%에 포힘되어 있는 것으로 볼 수 있는 의료비 |
1인가구 |
60,279 |
2인가구 |
99,103 |
3인가구 |
126,639 |
4인가구 |
153,664 |
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