\uc11c\ubbfc\u00b7\uc2e4\uc18c\uc720\uc790\uac00 \ubcf4\uc720\ud55c \ubcc0\ub3d9\uae08\ub9ac \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \ucd5c\uc800 \uc5f0 3.7%\uc758 \uc7a5\uae30\u00b7\uace0\uc815\uae08\ub9ac\ub85c \ubc14\uafd4\uc8fc\ub294 \uc6b0\ub300\ud615 \uc548\uc2ec\uc804\ud658\ub300\ucd9c\uc774 15\uc77c\ubd80\ud130 \uc2dc\uc791\ub41c\ub2e4.<\/p>\n
\uae08\uc735\uc704\uc6d0\ud68c\ub294 \uc2dc\uac00 4\uc5b5 \uc774\ud558 1\uc8fc\ud0dd \ubcf4\uc720\uc790\ub97c \ub300\uc0c1\uc73c\ub85c 15\uc77c\ubd80\ud130 \ub0b4\ub2ec 17\uc77c\uae4c\uc9c0 \uc6b0\ub300\ud615 \uc548\uc2ec\uc804\ud658\ub300\ucd9c\uc744 \uc2e0\uccad \ubc0f \uc811\uc218\ud55c\ub2e4\uace0 14\uc77c \ubc1d\ud614\ub2e4.<\/p>\n
\uc548\uc2ec\uc804\ud658\ub300\ucd9c\uc740 \uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0 \uc8fc\ud0dd\ub2f4\ubcf4 \ub300\ucd9c\uc790\uc758 \uacbd\uc81c\uc801 \ubd80\ub2f4\uc744 \ub35c\uae30 \uc704\ud574 \uc81c1\u00b72\uae08\uc735\uad8c\uc5d0\uc11c \ubc1b\uc740 \ubcc0\ub3d9\u00b7\ud63c\ud569\ud615 \uae08\ub9ac \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uc758 3%\ub300 \uc7a5\uae30\u00b7\uace0\uc815\uae08\ub9ac \uc815\ucc45\ubaa8\uae30\uc9c0\ub85c \ub300\ud658\ud574\uc8fc\ub294 \uc0c1\ud488\uc774\ub2e4.<\/p>\n
\ub300\uc0c1\uc740 \uc0ac\uc804\uc548\ub0b4 \uc804\uc778 \uc9c0\ub09c\ub2ec 16\uc77c\uae4c\uc9c0 \uc81c1\uae08\uc735\uad8c\u00b7\uc81c2\uae08\uc735\uad8c\uc5d0\uc11c \ucde8\uae09\ud55c \ubcc0\ub3d9\uae08\ub9ac \ub610\ub294 \uc900\uace0\uc815\uae08\ub9ac \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\ub85c, \ubd80\ubd80\ud569\uc0b0\uc18c\ub4dd 7,000\ub9cc\uc6d0 \uc774\ud558\uc778 1\uc8fc\ud0dd\uc790\uc774\uace0 \uc2dc\uc138 4\uc5b5\uc6d0 \uc774\ud558 \uc8fc\ud0dd\uc774\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n
\ub2e4\ub9cc, \ub9cc\uae30\uac00 5\ub144 \uc774\uc0c1\uc774\uba74\uc11c \ub9cc\uae30\uae4c\uc9c0 \uae08\ub9ac\uac00 \uc644\uc804\ud788 \uace0\uc815\ub418\uc5b4 \uc788\ub294 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ubc0f \ubcf4\uae08\uc790\ub9ac\ub860, \uc801\uaca9\ub300\ucd9c, \ub514\ub524\ub3cc\ub300\ucd9c \ub4f1 \uc815\ucc45\ubaa8\uae30\uc9c0\ub294 \uc81c\uc678\ud55c\ub2e4.<\/p>\n
\uc2e0\uccad\uc811\uc218 \ub54c \ud574\ub2f9 \uc8fc\ud0dd\uc758 \uc2dc\uac00(KB\uc2dc\uc138, \ud55c\uad6d\ubd80\ub3d9\uc0b0\uc6d0 \uc2dc\uc138)\ub97c \uc6b0\uc120 \uc774\uc6a9\ud558\ub418, \uc2dc\uc138\uac00 \uc5c6\ub294 \uacbd\uc6b0 \uacf5\uc2dc\uac00\uaca9\uacfc \ud604\uc2e4\ud654\uc728\uc744 \ud65c\uc6a9\ud55c\ub2e4.<\/p>\n
\uc9c0\uc6d0 \ub0b4\uc6a9\ub97c \ubcf4\uba74 \uc548\uc2ec\uc804\ud658\ub300\ucd9c \ub300\ud658\uc744 \uc704\ud55c \uae30\uc874 \uc8fc\ub2f4\ub300 \ud574\uc9c0 \ub54c \uae08\uc735\uae30\uad00\uc758 \ud1b5\uc0c1 1.2%, 3\ub144 \uc774\ub0b4 \uc2ac\ub77c\uc774\ub529 \ubc29\uc2dd\uc758 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\ub294 \uba74\uc81c\ud55c\ub2e4. \ub300\ucd9c\ud55c\ub3c4\ub294 \uae30\uc874\ub300\ucd9c \ubc94\uc704 \ub0b4 \ucd5c\ub300 2\uc5b5 5,000\ub9cc \uc6d0\uc774\uace0 LTV 70% \ubc0f DTI 60%\uc740 \uc77c\uad04 \uc801\uc6a9\ud558\ub098, DSR\uc740 \ubbf8\uc801\uc6a9\ud55c\ub2e4.<\/p>\n
\ub9cc\uae30\ub294 10\u00b715\u00b720\u00b730\ub144 \ub4f1 4\uac1c\uc774\uace0, \uae08\ub9ac\ub294 \ubcf4\uae08\uc790\ub9ac\ub860 \uae08\ub9ac \ub300\ube44 45bp(\uc800\uc18c\ub4dd \uccad\ub144\uce35\uc740 55bp) \uc778\ud558\ud574 3.80~4.00%, \uc18c\ub4dd 6,000\ub9cc\uc6d0 \uc774\ud558 \ub9cc 39\uc138 \uc774\ud558 \uc800\uc18c\ub4dd \uccad\ub144\uce35\uc740 3.70~3.90%\ub97c \uc801\uc6a9\ud55c\ub2e4. \ub9cc\uae30\uae4c\uc9c0 \uace0\uc815\uae08\ub9ac\ub85c, \ud5a5\ud6c4 \uae08\ub9ac\uac00 \uc778\uc0c1\ub418\ub354\ub77c\ub3c4 \uc6d0\ub9ac\uae08\uc740 \ub3d9\uc77c\ud558\ub2e4.<\/p>\n
\uc8fc\ud0dd \uac00\uaca9 \uad6c\uac04 \ubc0f \ucd9c\uc0dd \uc5f0\ub3c4 \ub05d\uc790\ub9ac\uc5d0 \ub530\ub77c \uc2e0\uccad\uc77c\uc774 \ub2e4\ub974\ub2e4. \uc8fc\ud0dd \uac00\uaca9 \uc2dc\uac00 3\uc5b5\uc6d0 \uc774\ud558\ub294 15\uc77c\ubd80\ud130 30\uc77c\uae4c\uc9c0 \uc2e0\uccad\ud560 \uc218 \uc788\uace0 4\uc5b5\uc6d0 \uc774\ud558\ub294 \ub0b4\ub2ec 6\uc77c\ubd80\ud130 17\uc77c\uae4c\uc9c0\ub2e4.<\/p>\n
\uc774 \uac00\uc6b4\ub370\uc11c\ub3c4 \uc8fc\ud0dd \uac00\uaca9 \uc2dc\uac00 3\uc5b5\uc6d0 \uc774\ud558\ub294 \uc8fc\ubbfc\ub4f1\ub85d\ubc88\ud638 \ucd9c\uc0dd\uc5f0\ub3c4 \ub05d\uc790\ub9ac \u20184\u2019\uc640 \u20189\u2019\ub294 15\uc77c\uacfc 22\uc77c, \u20185\u2019\uc640 \u20180\u2019\uc740 16\uc77c\uacfc 23\uc77c\uc5d0 \uc2e0\uccad\ud558\ub3c4\ub85d \ud558\ub294 \ub4f1 \ub098\ub220\uc838\uc788\ub2e4.<\/p>\n
\uae30\uc874 \uc8fc\ub2f4\ub300 \uae08\uc735\uae30\uad00\uc5d0 \ub530\ub77c, \uc2e0\uccad\u00b7\uc811\uc218\ucc98\uac00 \uc0c1\uc774\ud558\ub2e4. \uad6d\ubbfc, \uc2e0\ud55c, \ub18d\ud611, \uc6b0\ub9ac, \ud558\ub098, \uae30\uc5c5\uc740\ud589 \ub4f1 6\ub300 \uc2dc\uc911\uc740\ud589 \uc8fc\ub2f4\ub300 \ucc28\uc8fc\ub294 \ud574\ub2f9 \uc740\ud589\uc5d0\uc11c \uc2e0\uccad\u00b7\uc811\uc218\ud558\uace0, \uc774 \ubc16\uc758 \uc740\ud589 \ubc0f \uc81c2\uae08\uc735\uad8c\uc740 \uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac(\ud648\ud398\uc774\uc9c0\u00b7\ubaa8\ubc14\uc77c \uc571)\ub97c \ud1b5\ud574 \uac00\ub2a5\ud558\ub2e4.<\/p>\n
\uc2e0\uccad\uc77c \uc774\ud6c4 \ud3c9\uade0 2\uac1c\uc6d4 \uc774\ub0b4\uc5d0 \uc21c\ucc28\uc801\uc73c\ub85c \ub300\ucd9c\uc744 \uc644\ub8cc\ud558\uace0, \ucc28\uc8fc\ub294 \uc548\uc2ec\uc804\ud658\ub300\ucd9c\ub85c \ub300\ud658\ub41c \ub2ec\ubd80\ud130 \uc548\uc2ec\uc804\ud658\ub300\ucd9c \uae08\ub9ac\ub97c \uc801\uc6a9\ubc1b\ub294\ub2e4.<\/p>\n
\ub300\ucd9c \uc2e4\ud589\uc740 \uc601\uc5c5\uc810 \ubc29\ubb38\uc744 \ud1b5\ud574 \uc9c4\ud589\ub41c\ub2e4. \uad6d\ubbfc\u00b7\uc2e0\ud55c\u00b7\ub18d\ud611\u00b7\uc6b0\ub9ac\u00b7\ud558\ub098\u00b7\uae30\uc5c5\uc740\ud589\uc5d0 \uc2e0\uccad\u00b7\uc2ec\uc0ac\ud55c \uc0ac\ub78c\uc740 \uae30\uc874\ub300\ucd9c \uc740\ud589 \uc601\uc5c5\uc810, \uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uc5d0 \uc2e0\uccad\u00b7\uc2ec\uc0ac\ud55c \uc0ac\ub78c\uc740 13\uac1c \uc2dc\uc911\u00b7\uc9c0\ubc29\uc740\ud589 \uc601\uc5c5\uc810\uc5d0\uc11c \ub300\ucd9c \uc2e4\ud589\uc774 \uc9c4\ud589\ub41c\ub2e4.<\/p>\n
[\ucd9c\ucc98] \ub300\ud55c\ubbfc\uad6d \uc815\ucc45\ube0c\ub9ac\ud551(www.korea.kr)<\/p>\n","protected":false},"excerpt":{"rendered":"
\uc11c\ubbfc\u00b7\uc2e4\uc18c\uc720\uc790\uac00 \ubcf4\uc720\ud55c \ubcc0\ub3d9\uae08\ub9ac \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \ucd5c\uc800 \uc5f0 3.7%\uc758 \uc7a5\uae30\u00b7\uace0\uc815\uae08\ub9ac\ub85c \ubc14\uafd4\uc8fc\ub294 \uc6b0\ub300\ud615 \uc548\uc2ec\uc804\ud658\ub300\ucd9c\uc774 15\uc77c\ubd80\ud130 \uc2dc\uc791\ub41c\ub2e4. \uae08\uc735\uc704\uc6d0\ud68c\ub294 \uc2dc\uac00 4\uc5b5 \uc774\ud558 1\uc8fc\ud0dd \ubcf4\uc720\uc790\ub97c \ub300\uc0c1\uc73c\ub85c 15\uc77c\ubd80\ud130 \ub0b4\ub2ec 17\uc77c\uae4c\uc9c0 \uc6b0\ub300\ud615 \uc548\uc2ec\uc804\ud658\ub300\ucd9c\uc744 \uc2e0\uccad \ubc0f \uc811\uc218\ud55c\ub2e4\uace0 14\uc77c \ubc1d\ud614\ub2e4. \uc548\uc2ec\uc804\ud658\ub300\ucd9c\uc740 \uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0 \uc8fc\ud0dd\ub2f4\ubcf4 \ub300\ucd9c\uc790\uc758 \uacbd\uc81c\uc801 \ubd80\ub2f4\uc744 \ub35c\uae30 \uc704\ud574 \uc81c1\u00b72\uae08\uc735\uad8c\uc5d0\uc11c \ubc1b\uc740 \ubcc0\ub3d9\u00b7\ud63c\ud569\ud615 \uae08\ub9ac \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uc758 3%\ub300 \uc7a5\uae30\u00b7\uace0\uc815\uae08\ub9ac \uc815\ucc45\ubaa8\uae30\uc9c0\ub85c \ub300\ud658\ud574\uc8fc\ub294 \uc0c1\ud488\uc774\ub2e4. \ub300\uc0c1\uc740 \uc0ac\uc804\uc548\ub0b4 \uc804\uc778 \uc9c0\ub09c\ub2ec 16\uc77c\uae4c\uc9c0 […]<\/p>\n","protected":false},"author":171,"featured_media":1681,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,1,40,39],"tags":[],"class_list":["post-1680","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-10","category-1","category-40","category-39"],"_links":{"self":[{"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1680","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=\/wp\/v2\/users\/171"}],"replies":[{"embeddable":true,"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1680"}],"version-history":[{"count":1,"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1680\/revisions"}],"predecessor-version":[{"id":1682,"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1680\/revisions\/1682"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=\/wp\/v2\/media\/1681"}],"wp:attachment":[{"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1680"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1680"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/onnewslounge.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1680"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}