{"id":722,"date":"2023-08-04T02:09:22","date_gmt":"2023-08-03T17:09:22","guid":{"rendered":"https:\/\/joint-world.com\/?p=722"},"modified":"2023-11-10T04:02:57","modified_gmt":"2023-11-09T19:02:57","slug":"%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/","title":{"rendered":"\uc801\uaca9\ub300\ucd9c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ud6c4\uae30 \uc7a5\ub2e8\uc810 100% \ucd1d\uc815\ub9ac"},"content":{"rendered":"<p><span style=\"font-size: 18pt;\">\uc801\uaca9\ub300\ucd9c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uae08\ub9ac\uac00 \ub192\uc544\uc9c0\uba74\uc11c \uace0\uc815\uae08\ub9ac\uc778 \uc801\uaca9\ub300\ucd9c\uc758 \uc778\uae30\ub3c4 \ud568\uaed8 \ub192\uc544\uc84c\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0 \uc801\uaca9\ub300\ucd9c\uc774 \ubb34\uc870\uac74 \uc88b\uc744\uae4c\uc694? \uc9c0\uae08\ubd80\ud130 \uc801\uaca9\ub300\ucd9c\uc774 \ubb34\uc5c7\uc778\uc9c0\uc640 \uc7a5\ub2e8\uc810\uc744 \ubd84\uc11d\ud574\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4. \uc9c1\uc811 \uc801\uaca9\ub300\ucd9c\uc744 \ubc1b\uc740 \ud6c4\uae30\ub3c4 \uc788\uc73c\ub2c8 \ub05d\uae4c\uc9c0 \uc77d\uc5b4\ubcf4\uc2dc\uba74 \uadc0\ud55c \ud301\uc744 \uc5bb\uc73c\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.kakaocdn.net\/dn\/N2t65\/btspXkNm2Ix\/kEcnOH8EGgoeso5U22X491\/img.png\" alt=\"\uc801\uaca9\ub300\ucd9c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ud6c4\uae30 \uc7a5\ub2e8\uc810 100% \ucd1d\uc815\ub9ac\" width=\"533\" height=\"533\" \/><\/p>\n<p>&nbsp;<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >\uae00 \ubaa9\ucc28\u3163Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" 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class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C_%EA%B8%B0%EB%B3%B8%EC%A0%95%EB%B3%B4\" title=\"\uc801\uaca9\ub300\ucd9c \uae30\ubcf8\uc815\ubcf4\">\uc801\uaca9\ub300\ucd9c \uae30\ubcf8\uc815\ubcf4<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C_%EC%B7%A8%EA%B8%89%EC%9D%80%ED%96%89_%EB%B0%94%EB%A1%9C%EA%B0%80%EA%B8%B0\" title=\"\uc801\uaca9\ub300\ucd9c \ucde8\uae09\uc740\ud589 \ubc14\ub85c\uac00\uae30\">\uc801\uaca9\ub300\ucd9c \ucde8\uae09\uc740\ud589 \ubc14\ub85c\uac00\uae30<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C_%EA%B0%88%EC%95%84%ED%83%80%EA%B8%B0\" title=\"\uc801\uaca9\ub300\ucd9c \uac08\uc544\ud0c0\uae30\">\uc801\uaca9\ub300\ucd9c \uac08\uc544\ud0c0\uae30<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#%E2%80%BB_%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C%EC%9D%98_%EB%8B%A8%EC%A0%90\" title=\"\u203b \uc801\uaca9\ub300\ucd9c\uc758 \ub2e8\uc810\">\u203b \uc801\uaca9\ub300\ucd9c\uc758 \ub2e8\uc810<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#1_%EC%83%81%EB%8C%80%EC%A0%81%EC%9C%BC%EB%A1%9C_%EB%B6%88%EB%A6%AC%ED%95%9C_LTV_DTI_%EC%A0%81%EC%9A%A9\" title=\"1. \uc0c1\ub300\uc801\uc73c\ub85c \ubd88\ub9ac\ud55c LTV, DTI \uc801\uc6a9\">1. \uc0c1\ub300\uc801\uc73c\ub85c \ubd88\ub9ac\ud55c LTV, DTI \uc801\uc6a9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#2_%EA%B8%88%EB%A6%AC%EC%9D%98_%EB%B3%80%EB%8F%99\" title=\"2. \uae08\ub9ac\uc758 \ubcc0\ub3d9\">2. \uae08\ub9ac\uc758 \ubcc0\ub3d9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#3_%EC%9A%B0%EB%8C%80%EA%B8%88%EB%A6%AC_%EC%97%86%EC%9D%8C\" title=\"3. \uc6b0\ub300\uae08\ub9ac \uc5c6\uc74c\">3. \uc6b0\ub300\uae08\ub9ac \uc5c6\uc74c<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C%EA%B3%BC_%EB%8B%A4%EB%A5%B8_%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C_%EB%B9%84%EA%B5%90\" title=\"\uc801\uaca9\ub300\ucd9c\uacfc \ub2e4\ub978 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ube44\uad50\">\uc801\uaca9\ub300\ucd9c\uacfc \ub2e4\ub978 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ube44\uad50<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C_%ED%9B%84%EA%B8%B0%EA%BF%80%ED%8C%81\" title=\"\uc801\uaca9\ub300\ucd9c \ud6c4\uae30(\uafc0\ud301)\">\uc801\uaca9\ub300\ucd9c \ud6c4\uae30(\uafc0\ud301)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#%EB%A7%BA%EC%9D%8C%EB%A7%90\" title=\"\ub9fa\uc74c\ub9d0\">\ub9fa\uc74c\ub9d0<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C%EC%9D%B4%EB%9E%80\"><\/span><strong>\uc801\uaca9\ub300\ucd9c\uc774\ub780?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-size: 18pt;\">\uc801\uaca9\ub300\ucd9c \ub73b\uc740 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uc640 \uc2dc\uc911\uc740\ud589 \uac04 \uc5c5\ubb34\ud611\uc57d\uc5d0 \uc758\ud574 \uc740\ud589\uc774 \ub300\ucd9c \ucde8\uae09 \ud6c4 \uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\ub85c \uc591\ub3c4 \uac00\ub2a5\ud55c \uc720\ub3d9\ud654\ubaa9\uc801\ubd80 \uc7a5\uae30 \uace0\uc815\uae08\ub9ac \ubd84\ud560\uc0c1\ud658 \ub300\ucd9c\uc744 \ub9d0\ud569\ub2c8\ub2e4. \uc27d\uac8c \ub9d0\ud574 \uc801\uaca9\ub300\ucd9c\uc740 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uc5d0\uc11c \ub9cc\ub4e0 &#8216;\uc7a5\uae30\uace0\uc815\uae08\ub9ac \ub300\ucd9c \uc0c1\ud488&#8217;\uc785\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-size: 18pt;\">\uc7a5\uae30 \uace0\uc815\uae08\ub9ac \uc0c1\ud488\uc774\ub77c\uace0 \ubb38\uc790 \uadf8\ub300\ub85c \uc774\ud574\ud558\uba74 \uc801\uaca9\ub300\ucd9c \uc0c1\ud488\uc774 \ud2b9\ubcc4\ud574 \ubcf4\uc774\uc9c0 \uc54a\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc77c\ubc18 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uacfc \ube44\uad50\ud558\uac8c \ub418\uba74 \ud2b9\uc774\uc810\uc744 \ubc1c\uacac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubc18 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 \ubcf4\ud1b5 1\ub144 \ubcc0\ub3d9\uae08\ub9ac \ub610\ub294 5\ub144 \uace0\uc815\uae08\ub9ac\uc778 \ubc18\uba74, \uc801\uaca9\ub300\ucd9c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 10\ub144\uc5d0\uc11c \ucd5c\uc7a5 50\ub144\uae4c\uc9c0 \uace0\uc815\uae08\ub9ac\ub97c \uc801\uc6a9\ubc1b\uc744 \uc218 \uc788\ub294 \ub300\ucd9c\uc0c1\ud488\uc785\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-size: 18pt;\">\uc774\ub7ec\ud55c \ud2b9\uc9d5\uc73c\ub85c \uc778\ud574 \uae08\ub9ac\uac00 \ub0ae\uc744 \ub54c\ub294 \ucc3e\ub294 \uc0ac\ub78c\uc774 \ub9ce\uc9c0 \uc54a\ub2e4\uac00 \uc694\uc998\uac19\uc774 \uae08\ub9ac\uac00 \ub192\uc544\uc9c0\ub294 \uc2dc\uc810\uc5d0\ub294 \uc5c4\uccad\ub09c \uc778\uae30\ub97c \ub044\ub294 \ub300\ucd9c\uc0c1\ud488\uc774 \ub429\ub2c8\ub2e4. \ud2b9\ud788 \uc2dc\uc911\uae08\ub9ac\uac00 \uc801\uaca9\ub300\ucd9c \uae08\ub9ac\ub97c \ub118\uc5b4\uc11c\uac8c \ub418\uba74 \uae30\uae08\uc774 \ube60\ub974\uac8c \uc18c\uc9c4\ub418\uae30 \uc2dc\uc791\ud569\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-size: 18pt;\">(\uad00\ub828\uae30\uc0ac) <a href=\"https:\/\/www.mk.co.kr\/news\/economy\/10280427\" rel=\"noopener\">\uc740\ud589 &#8216;3%\ub300 \uc8fc\ub2f4\ub300&#8217; \uc801\uaca9\ub300\ucd9c \uc778\uae30\ud3ed\ubc1c &gt;&gt;<\/a><\/span><\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3733326774489433\" crossorigin=\"anonymous\"><\/script><br \/>\n<!-- [\ub300\ucd9c\/\ub514\uc2a4\ud50c\ub808\uc774 \uad11\uace0 \ubc18\uc751\ud615] --><br \/>\n<ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3733326774489433\" data-ad-slot=\"8270318472\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p><span style=\"font-size: 18pt;\">\ud558\uc9c0\ub9cc \ud604\uc7ac\ub294 \uc8fc\uae08\uacf5\uc774 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ucd9c\uc2dc\ud558\uba70 \uc801\uaca9\ub300\ucd9c \ub2e8\ub3c5\ud310\ub9e4\ub97c \uc77c\uc2dc \uc911\ub2e8\ud55c \uc0c1\ud0dc\uc785\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-size: 18pt;\">(\uad00\ub828\uae30\uc0ac) <a href=\"https:\/\/biz.chosun.com\/stock\/finance\/2023\/05\/20\/HICC2LRDNRE2XHQWQKHNYFOHTM\/\" rel=\"noopener\">&#8216;\uc624\ud508\ub7f0&#8217; \uc815\ucc45 \uc8fc\ub2f4\ub300 \uc801\uaca9\ub300\ucd9c, \ud310\ub9e4 \uc2e4\uc801 0\uc6d0 \ub41c \uc774\uc720\ub294? &gt;&gt;<\/a><\/span><\/p>\n<p><span style=\"font-size: 18pt;\">\uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0 \uc778\uae30\ubab0\uc774\ub97c \ud558\ub294 \uc801\uaca9\ub300\ucd9c\uc758 \uc790\uaca9\uc870\uac74, \uae08\ub9ac, \ub300\ucd9c\ud55c\ub3c4\ub294 \uc5b4\ub5bb\uac8c \ub420\uae4c\uc694?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C_%EA%B8%B0%EB%B3%B8%EC%A0%95%EB%B3%B4\"><\/span><strong>\uc801\uaca9\ub300\ucd9c \uae30\ubcf8\uc815\ubcf4<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\uc801\uaca9\ub300\ucd9c \uc790\uaca9\uc870\uac74:<\/strong> \ub9cc 19\uc138 \uc774\uc0c1 \ubb34\uc8fc\ud0dd \ub610\ub294 1\uc8fc\ud0dd\uc790\uac00 \uacf5\ubd80\uc0c1 9\uc5b5\uc6d0 \uc774\ud558\uc758 \uc8fc\ud0dd\uc744 \uad6c\uc785\ud560 \ub54c \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\uc801\uaca9\ub300\ucd9c \uae08\ub9ac :<\/strong> \uc740\ud589\ubcc4 \uae08\ub9ac\ub294 \uc544\ub798 \ub9c1\ud06c\ub97c \ud1b5\ud574 \ud655\uc778\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3733326774489433\" crossorigin=\"anonymous\"><\/script><br \/>\n<!-- [\ub300\ucd9c\/\ub514\uc2a4\ud50c\ub808\uc774 \uad11\uace0 \ubc18\uc751\ud615] --><br \/>\n<ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3733326774489433\" data-ad-slot=\"8270318472\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\uc801\uaca9\ub300\ucd9c \ud55c\ub3c4 :<\/strong> \ub2f4\ubcf4\uc8fc\ud0dd\ub2f9 \ucd5c\ub300 5\uc5b5\uc6d0 \uc774\ud558<\/span><\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\uc801\uaca9\ub300\ucd9c \uae30\uac04 :<\/strong> 10\ub144\ubd80\ud130 \ucd5c\uc7a5 50\ub144 \uc774\ud558<\/span><\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\uc801\uaca9\ub300\ucd9c \uc0c1\ud658\ubc29\uc2dd :<\/strong> \uc6d0\ub9ac\uae08\uade0\ub4f1\ubd84\ud560\uc0c1\ud658, \uc6d0\uae08\uade0\ub4f1\ubd84\ud560\uc0c1<\/span><\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\ub300\ucd9c\uc2e0\uccad\ubc29\ubc95 :<\/strong> \ud558\ub2e8 \ub9c1\ud06c<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><span class=\"ez-toc-section\" id=\"%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C_%EC%B7%A8%EA%B8%89%EC%9D%80%ED%96%89_%EB%B0%94%EB%A1%9C%EA%B0%80%EA%B8%B0\"><\/span><strong>\uc801\uaca9\ub300\ucd9c \ucde8\uae09\uc740\ud589 \ubc14\ub85c\uac00\uae30<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-size: 18pt;\">2022\ub144 \uae30\uc900\uc73c\ub85c \uc740\ud589\/\ubcf4\ud5d8\uc0ac \ud1b5\ud2c0\uc5b4 6\uacf3\uc5d0\uc11c\ub9cc \uac00\ub2a5\ud588\uace0 \ud604\uc7ac\ub294 <strong><a href=\"https:\/\/true-wealth.tistory.com\/entry\/%EC%A0%80%EA%B8%88%EB%A6%AC-%EB%8C%80%ED%99%98%EB%8C%80%EC%B6%9C-%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0-%EC%A1%B0%EA%B1%B4-%EA%B8%88%EB%A6%AC-%EC%8B%A0%EC%B2%AD%EB%B0%A9%EB%B2%95\" rel=\"noopener\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/a><\/strong> \ucd9c\uc2dc\ub85c \ubaa8\ub450 \ud310\ub9e4\uc911\uc9c0 \uc0c1\ud0dc\uc785\ub2c8\ub2e4.<\/span><\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 25%; text-align: center;\">\n<figure data-ke-type=\"image\" data-ke-mobilestyle=\"widthOrigin\" data-ke-style=\"alignCenter\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.kakaocdn.net\/dn\/cUWDvp\/btsp1jz8U3j\/KM9pXZBqIrHY7vaKMDAKj1\/img.png\" alt=\"\ud558\ub098\uc740\ud589\" width=\"124\" height=\"51\" data-is-animation=\"false\" data-origin-width=\"124\" data-origin-height=\"51\" data-filename=\"\uc2a4\ud06c\ub9b0\uc0f7 2023-08-04 012104.png\" \/><figcaption><\/figcaption><\/figure>\n<\/td>\n<td style=\"width: 25%; text-align: center;\"><a href=\"https:\/\/www.kebhana.com\/cont\/mall\/mall08\/mall0802\/mall080202\/1445168_115196.jsp\" rel=\"noopener\">\ud558\ub098\uc740\ud589 \uc801\uaca9\ub300\ucd9c<\/a><\/td>\n<td style=\"width: 25%; text-align: center;\">\n<figure data-ke-type=\"image\" data-ke-mobilestyle=\"widthOrigin\" data-ke-style=\"alignCenter\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" src=\"https:\/\/blog.kakaocdn.net\/dn\/ltEXL\/btspTJ1ba4E\/kYbHfKNvOwe2wcRCZCIit1\/img.png\" alt=\"\uc6b0\ub9ac\uc740\ud589\" width=\"130\" height=\"47\" data-is-animation=\"false\" data-origin-width=\"130\" data-origin-height=\"47\" data-filename=\"\uc2a4\ud06c\ub9b0\uc0f7 2023-08-04 012251.png\" \/><figcaption><\/figcaption><\/figure>\n<\/td>\n<td style=\"width: 25%; text-align: center;\"><a href=\"https:\/\/spot.wooribank.com\/pot\/Dream?withyou=POLON0056&amp;cc=c010528:c010531;c012425:c012399&amp;PRD_CD=P020005900\" rel=\"noopener\">\uc6b0\ub9ac\uc740\ud589 \uc801\uaca9\ub300\ucd9c<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%; text-align: center;\">\n<figure data-ke-type=\"image\" data-ke-mobilestyle=\"widthOrigin\" data-ke-style=\"alignCenter\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" src=\"https:\/\/blog.kakaocdn.net\/dn\/lm6TZ\/btsp1keLIWX\/RyfvjQPECCk9g6iozvUVH0\/img.png\" alt=\"SC\uc81c\uc77c\uc740\ud589\" width=\"154\" height=\"62\" data-is-animation=\"false\" data-origin-width=\"154\" data-origin-height=\"62\" data-filename=\"\uc2a4\ud06c\ub9b0\uc0f7 2023-08-04 012447.png\" \/><figcaption><\/figcaption><\/figure>\n<\/td>\n<td style=\"width: 25%; text-align: center;\"><a href=\"https:\/\/www.standardchartered.co.kr\/np\/kr\/cm\/cc\/AnnonceList.jsp?PUB_NTC_PRDCT_TYPE_CD=B001&amp;menuId=HT00050301000000&amp;rnb=3&amp;rnbStep=7\" rel=\"noopener\">SC\uc81c\uc77c\uc740\ud589 \uc801\uaca9\ub300\ucd9c<\/a><\/td>\n<td style=\"width: 25%; text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" src=\"https:\/\/blog.kakaocdn.net\/dn\/vEf2f\/btspXkzSFk5\/lkffjNtdX00vbIQEamA3A1\/img.png\" alt=\"\ubd80\uc0b0\uc740\ud589\" width=\"148\" height=\"63\" \/><\/td>\n<td style=\"width: 25%; text-align: center;\"><a href=\"https:\/\/www.busanbank.co.kr\/ib20\/mnu\/FPMLON092001002\" rel=\"noopener\">\ubd80\uc0b0\uc740\ud589 \uc801\uaca9\ub300\ucd9c<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%; text-align: center;\">\n<figure data-ke-type=\"image\" data-ke-mobilestyle=\"widthOrigin\" data-ke-style=\"alignCenter\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" src=\"https:\/\/blog.kakaocdn.net\/dn\/bB7s8h\/btspVOgzw4P\/0DJO3tNqwGCR6KeTR7khF1\/img.png\" alt=\"\ub18d\ud611\uc740\ud589\" width=\"118\" height=\"55\" data-is-animation=\"false\" data-origin-width=\"118\" data-origin-height=\"55\" data-filename=\"\uc2a4\ud06c\ub9b0\uc0f7 2023-08-04 012827.png\" \/><figcaption><\/figcaption><\/figure>\n<\/td>\n<td style=\"width: 25%; text-align: center;\"><a href=\"https:\/\/smartmarket.nonghyup.com\/servlet\/SFSL0120R.view\" rel=\"noopener\">\ub18d\ud611\uc740\ud589 \uc801\uaca9\ub300\ucd9c<\/a><\/td>\n<td style=\"width: 25%; text-align: center;\">\n<figure data-ke-type=\"image\" data-ke-mobilestyle=\"widthOrigin\" data-ke-style=\"alignCenter\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" src=\"https:\/\/blog.kakaocdn.net\/dn\/qdK73\/btspVqmNJND\/3K41m7F8bSxpEHr7vgZ2XK\/img.png\" alt=\"\ud765\uad6d\uc0dd\uba85\" width=\"174\" height=\"49\" data-is-animation=\"false\" data-origin-width=\"174\" data-origin-height=\"49\" data-filename=\"\uc2a4\ud06c\ub9b0\uc0f7 2023-08-04 013046.png\" \/><figcaption><\/figcaption><\/figure>\n<\/td>\n<td style=\"width: 25%; text-align: center;\"><a href=\"https:\/\/www.heungkuklife.co.kr\/front\/loan\/loanMain.do\" rel=\"noopener\">\ud765\uad6d\uc0dd\uba85 \uc801\uaca9\ub300\ucd9c<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C_%EA%B0%88%EC%95%84%ED%83%80%EA%B8%B0\"><\/span><strong>\uc801\uaca9\ub300\ucd9c \uac08\uc544\ud0c0\uae30<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-size: 18pt;\">\uae08\ub9ac\uac00 \uacc4\uc18d \ub192\uc544\uc9c0\ub294 \uc2dc\uc810\uc5d0\uc11c \uc801\uaca9\ub300\ucd9c\ub85c \uac08\uc544\ud0c8\uae4c \uace0\ubbfc\uc744 \ud558\uc9c0 \uc54a\uc744 \uc218\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc801\uaca9\ub300\ucd9c\uc740 \ub9cc\ub2a5\uc774 \uc544\ub2c8\uae30 \ub54c\ubb38\uc5d0 \ubc18\ub4dc\uc2dc \ucda9\ubd84\ud55c \ube44\uad50 \uac80\ud1a0\ub97c \ud55c \ud6c4 \uc9c4\ud589\ud574\uc57c \ud569\ub2c8\ub2e4. \uc544\ub798 \ud6c4\uae30\ub97c \ud655\uc778\ud574\ubcf4\uc2dc\uba74 \uc54c\uac8c \ub418\uc2dc\uaca0\uc9c0\ub9cc \uc801\uaca9\ub300\ucd9c\uc740 \uae08\ub9ac\uac00 \ucd5c\uc800\uc810\uc77c \ub54c \uc7a5\uae30\ub85c \ubb36\uc5b4\ub450\uac8c \ub418\uba74 \uae08\ub9ac\ubcc0\ub3d9\uc5d0 \uc77c\ud76c\uc77c\ube44 \ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uae08\ub9ac\uc0c1\uc2b9\uae30\ub77c\uace0 \ubb34\uc870\uac74 \uc801\uaca9\ub300\ucd9c \uc0c1\ud488\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc740 \uc544\ub2c8\ub77c\ub294 \uac83\uc785\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 100%;\">\n<h3><span class=\"ez-toc-section\" id=\"%E2%80%BB_%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C%EC%9D%98_%EB%8B%A8%EC%A0%90\"><\/span><strong>\u203b \uc801\uaca9\ub300\ucd9c\uc758 \ub2e8\uc810<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"1_%EC%83%81%EB%8C%80%EC%A0%81%EC%9C%BC%EB%A1%9C_%EB%B6%88%EB%A6%AC%ED%95%9C_LTV_DTI_%EC%A0%81%EC%9A%A9\"><\/span><strong>1. \uc0c1\ub300\uc801\uc73c\ub85c \ubd88\ub9ac\ud55c LTV, DTI \uc801\uc6a9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-size: 18pt;\">\ub300\ud45c\uc801 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc778 \ub514\ub524\ub3cc\ub300\ucd9c\uacfc \ubcf4\uae08\uc790\ub9ac\ub860\uc740 LTV 70%, DTI 60%\uae4c\uc9c0 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ubc18\uba74 \uc801\uaca9\ub300\ucd9c\uc740 \uc2dc\uc911\uc740\ud589\uacfc \ub3d9\uc77c\ud55c \uc801\uc6a9\uc744 \ubc1b\uae30 \ub54c\ubb38\uc5d0 \uc0c1\ub300\uc801\uc73c\ub85c \ud61c\ud0dd\uc774 \ub0ae\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"2_%EA%B8%88%EB%A6%AC%EC%9D%98_%EB%B3%80%EB%8F%99\"><\/span><strong>2. \uae08\ub9ac\uc758 \ubcc0\ub3d9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-size: 18pt;\">\uc801\uaca9\ub300\ucd9c\uc758 \uac00\uc7a5 \ud070 \uc7a5\uc810\uc740 \uc2dc\uc911\uae08\ub9ac\uac00 \ub192\uc544\uc9c8 \ub54c, \ubcf4\ub2e4 \ub0ae\uc740 \uae08\ub9ac\ub85c \uace0\uc815\uc2dc\ud0ac \uc218 \uc788\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub294 \ubc18\ub300\ub85c \ub9d0\ud558\uba74 \uc2dc\uc911\uae08\ub9ac\uac00 \ub0ae\uc544\uc9c8 \ub54c \uc774\ubcf4\ub2e4 \ub192\uc740 \uae08\ub9ac\uc758 \uc774\uc790\ub97c \uacc4\uc18d \ub0bc \uc218\ubc16\uc5d0 \uc5c6\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"3_%EC%9A%B0%EB%8C%80%EA%B8%88%EB%A6%AC_%EC%97%86%EC%9D%8C\"><\/span><strong>3. \uc6b0\ub300\uae08\ub9ac \uc5c6\uc74c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-size: 18pt;\">\uc77c\ubc18 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uacfc \ub2ec\ub9ac \uc801\uaca9\ub300\ucd9c\uc740 \uc6b0\ub300\uae08\ub9ac\uc758 \uac1c\ub150\uc774 \uc5c6\uc2b5\ub2c8\ub2e4. \uc989, \uc21c\uc218 \uba85\uc2dc\ub41c \uace0\uc815\uae08\ub9ac\ub97c \uc801\uc6a9\ubc1b\uae30 \ub54c\ubb38\uc5d0 \uc2e0\uc6a9\uc810\uc218 \ub610\ub294 \uc18c\ub4dd\uc5d0 \ub530\ub77c \ucc28\ub4f1 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3733326774489433\" crossorigin=\"anonymous\"><\/script><br \/>\n<!-- [\ub300\ucd9c\/\ub514\uc2a4\ud50c\ub808\uc774 \uad11\uace0 \ubc18\uc751\ud615] --><br \/>\n<ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3733326774489433\" data-ad-slot=\"8270318472\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\">\uc801\uaca9\ub300\ucd9c\uc740 \uace0\uae08\ub9ac\uac00 \uc720\uc9c0\ub418\ub294 \uc2dc\uc810\uc5d0 \ub9e4\ub825\uc801\uc778 \uc0c1\ud488\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uace0\uae08\ub9ac \uc2dc\ub300\uac00 \uacc4\uc18d \uc720\uc9c0\ub418\uc9c0 \uc54a\ub294 \ub9cc\ud07c \uc801\uaca9\ub300\ucd9c \uac08\uc544\ud0c0\uae30\ub294 \ucda9\ubd84\ud788 \uace0\ub824\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C%EA%B3%BC_%EB%8B%A4%EB%A5%B8_%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C_%EB%B9%84%EA%B5%90\"><\/span><strong>\uc801\uaca9\ub300\ucd9c\uacfc \ub2e4\ub978 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ube44\uad50<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-size: 18pt;\">\uc801\uaca9\ub300\ucd9c\uacfc \ube44\uad50\ud574\ubcfc \uc218 \uc788\ub294 \uc0c1\ud488\uc740 \uc8fc\ud0dd\ub2f4\ubcf4 \ub300\ucd9c\uc758 \ub300\ud45c\uaca9\uc778 \ub514\ub524\ub3cc\ub300\ucd9c\uacfc \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860, \uc77c\ubc18 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c 3\uac00\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uac01 \uc0c1\ud488\ubcc4 \uc5b4\ub5a4 \ucc28\uc774\uac00 \uc788\uc744\uae4c\uc694? \ube44\uad50\ubd84\uc11d\uc744 \ud558\uac8c \ub418\uba74 \uc801\uaca9\ub300\ucd9c\uc758 \ud2b9\uc9d5\uc774 \uba85\ud655\ud574\uc9d1\ub2c8\ub2e4.<\/span><ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3733326774489433\" data-ad-slot=\"8270318472\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><\/p>\n<p>&nbsp;<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 20%; text-align: center; background-color: #c3d7fa;\"><strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc885\ub958<\/strong><\/td>\n<td style=\"width: 20%; text-align: center; background-color: #c3d7fa;\"><strong>\uc801\uaca9\ub300\ucd9c<\/strong><\/td>\n<td style=\"width: 20%; text-align: center; background-color: #c3d7fa;\"><strong>\ub514\ub524\ub3cc\ub300\ucd9c<\/strong><\/td>\n<td style=\"width: 20%; text-align: center; background-color: #c3d7fa;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/strong><\/td>\n<td style=\"width: 20%; text-align: center; background-color: #c3d7fa;\"><strong>\uc77c\ubc18 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center; background-color: #e8e8e8;\"><strong>\uc18c\ub4dd\uae30\uc900<\/strong><\/td>\n<td style=\"width: 20%; text-align: center;\">\uc81c\ud55c \uc5c6\uc74c<\/td>\n<td style=\"width: 20%; text-align: left;\">\ubd80\ubd80\ud569\uc0b0 \uc5f0 6\uc804\ub9cc\uc6d0 (\uc2e0\ud63c, \uc0dd\uc560\ucd5c\ucd08, 2\uc790\ub140 \uc774\uc0c1\uc740 7\ucc9c\ub9cc\uc6d0)<\/td>\n<td style=\"width: 20%; text-align: center;\">\uc81c\ud55c \uc5c6\uc74c<\/td>\n<td style=\"width: 20%; text-align: center;\">\uc81c\ud55c \uc5c6\uc74c<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center; background-color: #e8e8e8;\"><strong>\ub300\ucd9c\uc790\uaca9<\/strong><\/td>\n<td style=\"width: 20%; text-align: center;\">\ubb34\uc8fc\ud0dd\uc790 \ub610\ub294 1\uc8fc\ud0dd\uc790<\/td>\n<td style=\"width: 20%; text-align: center;\">\ubb34\uc8fc\ud0dd\uc790<\/td>\n<td style=\"width: 20%; text-align: center;\">\ubb34\uc8fc\ud0dd\uc790 \ub610\ub294 1\uc8fc\ud0dd\uc790<\/td>\n<td style=\"width: 20%; text-align: center;\">\uc81c\ud55c \uc5c6\uc74c<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center; background-color: #e8e8e8;\"><strong>\ub2f4\ubcf4\uc8fc\ud0dd\uac00\uaca9<\/strong><\/td>\n<td style=\"width: 20%; text-align: center;\">9\uc5b5\uc6d0 \uc774\ud558<\/td>\n<td style=\"width: 20%; text-align: center;\">5\uc5b5\uc6d0 \uc774\ud558<\/td>\n<td style=\"width: 20%; text-align: center;\">9\uc5b5\uc6d0 \uc774\ud558<\/td>\n<td style=\"width: 20%; text-align: center;\">\uc81c\ud55c \uc5c6\uc74c<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center; background-color: #e8e8e8;\"><strong>\ub300\ucd9c\ud55c\ub3c4<\/strong><\/td>\n<td style=\"width: 20%; text-align: center;\">5\uc5b5\uc6d0 \uc774\ud558<\/td>\n<td style=\"width: 20%; text-align: center;\">2.5\uc5b5\uc6d0 \uc774\ud558<\/p>\n<p>(\uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785 3\uc5b5\uc6d0, \uc2e0\ud63c \ubc0f 2\uc790\ub140 \uc774\uc0c1 \uac00\uad6c 4\uc5b5\uc6d0 \uc774\ub0b4)<\/td>\n<td style=\"width: 20%; text-align: center;\">\ucd5c\ub300 5\uc5b5\uc6d0<\/td>\n<td style=\"width: 20%; text-align: center;\">\ucd5c\ub300 30\uc5b5\uc6d0<\/p>\n<p>(\uc0c1\ud488\ubcc4 \uc0c1\uc774)<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center; background-color: #e8e8e8;\"><strong>\ub300\ucd9c\uae08\ub9ac<\/strong><\/td>\n<td style=\"width: 20%; text-align: center;\">\uc911\uae08\ub9ac (5~6%)<\/td>\n<td style=\"width: 20%; text-align: center;\">\uc800\uae08\ub9ac (2.15~3%)<\/td>\n<td style=\"width: 20%; text-align: center;\">\n<p style=\"text-align: left;\">\uc6b0\ub300\ud615 : \uc5f0 4.15 ~ 4.45% (\uc6b0\ub300\uae08\ub9ac \ucd5c\ub300 0.9%P \uc801\uc6a9 \uac00\ub2a5)<\/p>\n<p style=\"text-align: left;\">\uc77c\ubc18\ud615 : 4.25 ~ 4.55%<\/p>\n<\/td>\n<td style=\"width: 20%; text-align: center;\">\uc911\uae08\ub9ac (4~6%)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\">\ud45c\uc5d0\uc11c \ubcf4\uba74 \uc54c \uc218 \uc788\ub4ef\uc774 \uc0c1\ud488\ubcc4 \ucc28\uc774\uac00 \ub9ce\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc870\uac74\uc774 \uc870\uae08 \uc544\uc27d\uac70\ub098 \ub300\ucd9c \uae08\uc561\uc744 \ub192\uc774\uace0 \uc2f6\ub2e4\uba74 \uc77c\ubc18 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc911 \uc88b\uc740 \uc0c1\ud488\uc744 \uc54c\uc544\ubcf4\ub294 \uac83\ub3c4 \uc88b\ub2e4\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4. \uc77c\ubc18 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\ub3c4 SBI \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, \uc6b0\ub9ac\uc740\ud589 WON\uc8fc\ud0dd\ub300\ucd9c, \ub7ec\uc2dc\uc564\uce90\uc2dc \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, KB \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, \ubaa8\ub124\ub2e4 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ub4f1 \uc88b\uc740 \uc0c1\ud488\uc774 \ub9ce\uc73c\ub2c8 \ube44\uad50 \ud655\uc778\ud558\uc5ec \uc54c\ub9de\uc740 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3733326774489433\" crossorigin=\"anonymous\"><\/script><br \/>\n<!-- [\ub300\ucd9c\/\ub514\uc2a4\ud50c\ub808\uc774 \uad11\uace0 \ubc18\uc751\ud615] --><br \/>\n<ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3733326774489433\" data-ad-slot=\"8270318472\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A0%81%EA%B2%A9%EB%8C%80%EC%B6%9C_%ED%9B%84%EA%B8%B0%EA%BF%80%ED%8C%81\"><\/span><strong>\uc801\uaca9\ub300\ucd9c \ud6c4\uae30(\uafc0\ud301)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-size: 18pt;\">\ucf54\ub85c\ub098 \uc2dc\uae30 \uae08\ub9ac\uac00 \uc5f0\uc77c \ud558\ub77d\ud560 \ub54c \uace0\uc815\uae08\ub9ac \uc801\uaca9\ub300\ucd9c \uae08\ub9ac\ub3c4 \ud558\ub77d\ud558\uc5ec 2% \ucd08\ubc18\uc758 \uae08\ub9ac\uae4c\uc9c0 \ub5a8\uc5b4\uc84c\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub54c\ub2e4 \uc2f6\uc5b4 \uc801\uaca9\ub300\ucd9c\uc744 \ubc1b\uc558\uc2b5\ub2c8\ub2e4. \ucf54\ub85c\ub098\uac00 \ub05d\ub098\uba74 \ud480\ub9b0 \ub3c8\uc774 \ub9ce\uc544 \uae08\ub9ac\uac00 \uc0c1\uc2b9\ud560 \uac83\uc744 \uc5b4\ub290 \uc815\ub3c4 \uc608\uc0c1\ud558\uace0 \uc788\uc5b4\uc11c \uc740\ud589\uc5d0\uc11c\ub294 \uae08\ub9ac\uac00 \ub354 \ub5a8\uc5b4\uc9c0\ub2c8 \ubcc0\ub3d9\uae08\ub9ac \uc0c1\ud488\uc774 \uc88b\ub2e4\uace0 \uad8c\uc720\ud588\uc74c\uc5d0\ub3c4 \uc7a5\uae30\uace0\uc815\uae08\ub9ac \uc0c1\ud488\uc778 \uc801\uaca9\ub300\ucd9c\uc744 \uc120\ud0dd\ud588\uc2b5\ub2c8\ub2e4. \uadf8 \ub355\ubd84\uc5d0 \uae08\ub9ac \ubcc0\ub3d9\uc73c\ub85c \uc778\ud55c \ub300\ucd9c\uae08 \uac71\uc815\uc740 \uc548 \ud558\uace0 \uc0b4\uac8c \ub410\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-size: 18pt;\">\uae00\uc758 \ucd08\ubc18\uc5d0 \ub274\uc2a4\uc5d0\uc11c\ub3c4 \uadf8\ub807\uace0 \uae08\ub9ac \uc778\uc0c1 \uc2dc\uae30\uc5d0 \uc801\uaca9\ub300\ucd9c\uc774 \uc778\uae30\uac00 \ub192\uc544\uc9c4\ub2e4\uace0 \ud588\ub294\ub370, \uacbd\ud5d8\uc5d0 \uc758\ud558\uba74 \uc801\uaca9\ub300\ucd9c\uc740 \uae08\ub9ac\uac00 \ucd5c\ud558\ub97c \ucc0d\uace0 \uc788\uc744 \ub54c \uc7a5\uae30\ub85c \ubcf4\uace0 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uc88b\ub2e4\ub294 \ub9d0\uc500\uc744 \ub4dc\ub9bd\ub2c8\ub2e4. \uc81c\uac00 \uac00\uc785\ud560 \ub2f9\uc2dc\ub294 \uc81c\ub85c\uae08\ub9ac \uc2dc\uae30\ub77c \uc0ac\ub78c\ub4e4\uc774 \uc774\uc6a9\uc744 \uac70\uc758 \uc548 \ud574\uc11c \uae30\uae08\uc774 \ub0a8\uc544 \ub300\ucd9c\ubc1b\ub294 \ub370\ub3c4 \uad49\uc7a5\ud788 \uc218\uc6d4\ud588\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3733326774489433\" crossorigin=\"anonymous\"><\/script><br \/>\n<!-- [\ub300\ucd9c\/\ub514\uc2a4\ud50c\ub808\uc774 \uad11\uace0 \ubc18\uc751\ud615] --><br \/>\n<ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3733326774489433\" data-ad-slot=\"8270318472\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub4f1 \uc815\ubd80 \uc815\ucc45\uc73c\ub85c \uc778\ud574 \uc8fc\ub2f4\ub300\ub97c \ubc1b\uace0 \uae08\ub9ac \uc0c1\uc2b9\uc73c\ub85c \uc778\ud574 \uace0\ud1b5\ubc1b\ub294 \ubd80\ubd84\uc774 \ub9ce\uc774 \ud574\uc18c\ub410\uc9c0\ub9cc \uc5ec\uc804\ud788 \ucf54\ub85c\ub098 \uc2dc\uae30\ubcf4\ub2e4 \uae08\ub9ac\uac00 \ub192\uc740 \uc0c1\ud669\uc774\ubbc0\ub85c \ubd80\ub2f4\uc774 \ub0a8\uc544\uc788\ub294 \uac83\uc774 \uc0ac\uc2e4\uc785\ub2c8\ub2e4. \ubd84\uc704\uae30\uc5d0 \ud729\uc4f8\ub824\uc11c \uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0\ub294 \uc801\uaca9\ub300\ucd9c\uc774 \uc88b\ub2e4\uace0 \ubb34\ud131\ub300\uace0 \uac00\uc785\ud588\ub2e4\uac00 \ub2e4\uc2dc \uc81c\ub85c\uae08\ub9ac \uc2dc\ub300\ub85c \uac00\uac8c \ub418\uba74 \ub0ad\ud328\ub97c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc801\uaca9\ub300\ucd9c \ud6c4\uae30\ub97c \uad50\ud6c8\uc0bc\uc544 \ud604\uba85\ud55c \ud310\ub2e8\uc744 \ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EB%A7%BA%EC%9D%8C%EB%A7%90\"><\/span><strong>\ub9fa\uc74c\ub9d0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-size: 18pt;\">\uc9c0\uae08\uae4c\uc9c0 \uc801\uaca9\ub300\ucd9c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ub2e4\ub978 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uacfc \ube44\uad50\uc640 \ud6c4\uae30\ub97c \ud1b5\ud574 \uc801\uaca9\ub300\ucd9c\uc758 \ubcf8\uc9c8\uc5d0 \ub300\ud574 \uba85\ud655\ud558\uac8c \ud30c\uc545\uc774 \ub418\uc168\uc744 \uac81\ub2c8\ub2e4. \uc2dc\uc911\uae08\ub9ac\uac00 \ub192\uc544\uc9d0\uc5d0 \ub530\ub77c \uc801\uaca9\ub300\ucd9c\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc544\uc84c\ub2e4\uac00 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ucd9c\uc2dc\ub85c \ud310\ub9e4\uac00 \uc911\uc9c0\ub41c \uc0c1\ud0dc\uc778\ub370, \ub0b4\ub144\uc5d0 \ub2e4\uc2dc \ud310\ub9e4\uac00 \uc7ac\uac1c\ub418\ub354\ub77c\ub3c4 \ucd5c\uc7a5 50\ub144\uae4c\uc9c0 \uae38\uac8c \ubd10\uc57c \ud558\ub294 \ub300\ucd9c\uc0c1\ud488\uc778 \ub9cc\ud07c \ucda9\ubd84\ud788 \uc2ec\uc0ac\uc219\uace0\ud558\uc2e0 \ud6c4\uc5d0 \uc9c4\ud589\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.kakaocdn.net\/dn\/cbFTj1\/btsz6vquBYv\/Yqe5pQuK8yb5ADOuoYKMfK\/img.png\" alt=\"\"><ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3733326774489433\" data-ad-slot=\"8270318472\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>* \ub3c4\uc6c0 \ub418\ub294 \uad00\ub828\ub41c \uae00<\/strong><\/span><\/p>\n<p><a href=\"https:\/\/joint-world.com\/%ec%83%9d%ec%95%a0%ec%a3%bc%ea%b8%b0%ed%98%95-%ea%b5%ac%ec%9e%85%ec%9e%90%ea%b8%88-%ec%a0%84%ed%99%98%eb%8c%80%ec%b6%9c\/\"><em><span style=\"font-size: 18pt;\">\ub514\ub524\ub3cc \ub300\ucd9c \uc0dd\uc560\uc8fc\uae30\ud615 \uc804\ud658\ub300\ucd9c \uc0c8\ub86d\uac8c \ub3c4\uc785<\/span><\/em><\/a><\/p>\n<p><a href=\"https:\/\/joint-world.com\/%eb%af%b8%ed%98%bc%ea%b0%80%ea%b5%ac-%eb%94%94%eb%94%a4%eb%8f%8c%eb%8c%80%ec%b6%9c-%ec%b4%9d%ec%a0%95%eb%a6%ac\/\"><em><span style=\"font-size: 18pt;\">\ubbf8\ud63c\uac00\uad6c \ub0b4\uc9d1\ub9c8\ub828 \ub514\ub524\ub3cc\ub300\ucd9c \ucd1d\uc815\ub9ac<\/span><\/em><\/a><\/p>\n<p><em><span style=\"font-size: 18pt;\"><a href=\"https:\/\/joint-world.com\/ltv-dti-dsr\/\">LTV, DTI, DSR\uc758 \ub73b\uacfc \uaddc\uc81c, \uacc4\uc0b0\ubc29\ubc95 \uc815\ud655\ud788 \uc54c\uc544\ubcf4\uae30<\/a><\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc801\uaca9\ub300\ucd9c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uae08\ub9ac\uac00 \ub192\uc544\uc9c0\uba74\uc11c \uace0\uc815\uae08\ub9ac\uc778 \uc801\uaca9\ub300\ucd9c\uc758 \uc778\uae30\ub3c4 \ud568\uaed8 \ub192\uc544\uc84c\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0 \uc801\uaca9\ub300\ucd9c\uc774 \ubb34\uc870\uac74 \uc88b\uc744\uae4c\uc694? \uc9c0\uae08\ubd80\ud130 \uc801\uaca9\ub300\ucd9c\uc774 \ubb34\uc5c7\uc778\uc9c0\uc640 \uc7a5\ub2e8\uc810\uc744 \ubd84\uc11d\ud574\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4. \uc9c1\uc811 \uc801\uaca9\ub300\ucd9c\uc744 \ubc1b\uc740 \ud6c4\uae30\ub3c4 \uc788\uc73c\ub2c8 \ub05d\uae4c\uc9c0 \uc77d\uc5b4\ubcf4\uc2dc\uba74 \uadc0\ud55c \ud301\uc744 \uc5bb\uc73c\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. &nbsp; &nbsp; \uc801\uaca9\ub300\ucd9c\uc774\ub780? \uc801\uaca9\ub300\ucd9c \ub73b\uc740 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uc640 \uc2dc\uc911\uc740\ud589 \uac04 \uc5c5\ubb34\ud611\uc57d\uc5d0 \uc758\ud574 \uc740\ud589\uc774 \ub300\ucd9c \ucde8\uae09 \ud6c4 \uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\ub85c \uc591\ub3c4 \uac00\ub2a5\ud55c \uc720\ub3d9\ud654\ubaa9\uc801\ubd80 \uc7a5\uae30 &#8230; <a title=\"\uc801\uaca9\ub300\ucd9c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ud6c4\uae30 \uc7a5\ub2e8\uc810 100% \ucd1d\uc815\ub9ac\" class=\"read-more\" href=\"https:\/\/joint-world.com\/%ec%a0%81%ea%b2%a9%eb%8c%80%ec%b6%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0-%ec%9e%a5%eb%8b%a8%ec%a0%90-100-%ec%b4%9d%ec%a0%95%eb%a6%ac\/\" aria-label=\"Read more about \uc801\uaca9\ub300\ucd9c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ud6c4\uae30 \uc7a5\ub2e8\uc810 100% \ucd1d\uc815\ub9ac\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":1016,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[49,116,117,115],"_links":{"self":[{"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/posts\/722"}],"collection":[{"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/comments?post=722"}],"version-history":[{"count":22,"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/posts\/722\/revisions"}],"predecessor-version":[{"id":1206,"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/posts\/722\/revisions\/1206"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/media\/1016"}],"wp:attachment":[{"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/media?parent=722"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/categories?post=722"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joint-world.com\/wp-json\/wp\/v2\/tags?post=722"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}