\uc8fc\ud0dd\uac00\uaca9 9\uc5b5\uc6d0 \uc774\ud558\u00b7\ub300\ucd9c \ud55c\ub3c4 \ucd5c\ub300 5\uc5b5\u2026\ucd5c\uc7a5 50\ub144 \ub9cc\uae30<\/p>\n
\uc624\ub294 30\uc77c\ubd80\ud130 \ubcf4\uae08\uc790\ub9ac\ub860\uc5d0 \uc77c\ubc18\ud615 \uc548\uc2ec\uc804\ud658\ub300\ucd9c, \uc801\uaca9\ub300\ucd9c\uc744 \ud1b5\ud569\ud55c\u00a0\u00a04%\ub300 \uace0\uc815\uae08\ub9ac \ubaa8\uae30\uc9c0\ub860\uc778 \u2018\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\u2019 \uc811\uc218\uac00 \uc2dc\uc791\ub41c\ub2e4.<\/p>\n
\uc8fc\ud0dd\uac00\uaca9\uc774 9\uc5b5\uc6d0 \uc774\ud558\uc778 \ucc28\uc8fc\uac00 \uc18c\ub4dd\uc81c\ud55c \uc5c6\uc774 \ucd5c\ub300 5\uc5b5\uc6d0\uae4c\uc9c0 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\ube44\uc728(LTV)\u00b7\ucd1d\ubd80\ucc44\uc0c1\ud658\ube44\uc728(DTI) \ud55c\ub3c4 \uc548\uc5d0\uc11c \uc774\uc6a9\uc774 \uac00\ub2a5\ud558\ub2e4.<\/p>\n
\uae08\uc735\uc704\uc6d0\ud68c\ub294 \uae30\uc874\uc758 \ubcf4\uae08\uc790\ub9ac\ub860\uc5d0 \uc77c\ubc18\ud615 \uc548\uc2ec\uc804\ud658\ub300\ucd9c, \uc801\uaca9\ub300\ucd9c\uc744 \ud1b5\ud569\ud55c \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 1\ub144 \ub3d9\uc548 \ud55c\uc2dc\uc801\uc73c\ub85c \uc6b4\uc601\ud55c\ub2e4\uace0 11\uc77c \ubc1d\ud614\ub2e4.<\/p>\n
\uc2dc\uc7a5\uae08\ub9ac \uc0c1\uc2b9\uc774 \uc810\ucc28 \ub300\ucd9c\uae08\ub9ac\ub85c \ubc18\uc601\ub418\uba74\uc11c \uc11c\ubbfc\u00b7\uc2e4\uc218\uc694\uc790 \uc774\uc790\ubd80\ub2f4\uc774 \ube60\ub974\uac8c \uc99d\uac00\ud574 \uace0\uc815\uae08\ub9ac \uc815\ucc45\ubaa8\uae30\uc9c0 \uc5ed\ud560 \ud655\ub300\uac00 \ud544\uc694\ud55c \uc0c1\ud669\uc5d0 \ub530\ub978 \uac83\uc774\ub2e4.<\/p>\n
\uc774\uc5d0 \ub530\ub77c \uc815\ubd80\ub294 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 1\ub144 \ub3d9\uc548 \ud55c\uc2dc\uc801\uc73c\ub85c \uc6b4\uc601\ud558\uae30\ub85c \ud588\ub2e4. 9\uc5b5\uc6d0 \uc774\ud558 \uc8fc\ud0dd\uc744 \ub300\uc0c1\uc73c\ub85c \uae30\uc874 \ubcf4\uae08\uc790\ub9ac\ub860(7000\ub9cc \uc6d0 \uc774\ud558)\uacfc \ub2ec\ub9ac \uc18c\ub4dd\uc81c\ud55c\uc774 \uc5c6\ub2e4. \ub2e4\ub9cc, \uc6b0\ub300\uae08\ub9ac \uc801\uc6a9 \ub4f1\uc744 \uc704\ud574\uc11c\ub294 \ubcf8\uc778\u00b7\ubc30\uc6b0\uc790 \uc18c\ub4dd\uc790\ub8cc \uc99d\ube59\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n
\uc790\uae08\uc6a9\ub3c4\ub294 \uad6c\uc785\uc6a9\ub3c4(\uc8fc\ud0dd\uad6c\uc785), \uc0c1\ud658\uc6a9\ub3c4(\uae30\uc874 \ub300\ucd9c\uc0c1\ud658), \ubcf4\uc804\uc6a9\ub3c4(\uc784\ucc28\ubcf4\uc99d\uae08 \ubc18\ud658)\ub85c \uad6c\ubd84\ud558\uace0 \ubb34\uc8fc\ud0dd\uc790(\uad6c\uc785\uc6a9\ub3c4)\u00b71\uc8fc\ud0dd\uc790(\uc0c1\ud658\u00b7\ubcf4\uc804\uc6a9\ub3c4)\uac00 \uc2e0\uccad \uac00\ub2a5\ud558\ub2e4. \ub300\ucd9c\ud55c\ub3c4\ub294 \ucd5c\ub300 5\uc5b5\uc6d0 \uc774\ub0b4\uc774\uba70 LTV\ub294 \ucd5c\ub300 70%(\uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785\uc790 80%) \ub0b4, DTI\ub294 \ucd5c\ub300 60% \ub0b4\uc5d0\uc11c\ub9cc \ub300\ucd9c\uc774 \uac00\ub2a5\ud558\ub2e4.<\/p>\n
\ub9cc\uae30\ub294 10\u00b715\u00b720\u00b730\u00b740\u00b750\ub144 6\uac00\uc9c0\uc774\uba70, \ub300\ucd9c \uae30\ubcf8\uae08\ub9ac\ub294 \uc6b0\ub300\ud615(4.65~4.95%)\uacfc \uc77c\ubc18\ud615(4.75~5.05%)\uc73c\ub85c \ub098\ub25c\ub2e4. \ucd5c\ub300 90bp \ub0b4\uc5d0\uc11c \uae08\ub9ac\uc6b0\ub300\ub97c \ubcc4\ub3c4\ub85c \uc801\uc6a9\ud55c\ub2e4. \uc800\uc18c\ub4dd\uccad\ub144 \uc6b0\ub300\uae08\ub9ac(10bp)\ub97c \uc2e0\uc124\ud558\uace0 \ucc28\uc8fc\ud2b9\uc131\uc5d0 \ub530\ub77c \ucd5c\ub300 90bp\uae4c\uc9c0 \uae08\ub9ac\uc6b0\ub300\uac00 \uac00\ub2a5\ud558\ub2e4. \uc6b0\ub300\uae08\ub9ac \uc801\uc6a9 \ub54c\ub2943.75~4.05% \uae4c\uc9c0 \ub300\ucd9c\uae08\ub9ac\uac00 \uc778\ud558\ub420 \uc218 \uc788\ub2e4.<\/p>\n
\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\ub294 \uae30\uc874 \uc8fc\ub2f4\ub300\ub97c \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc73c\ub85c \uac08\uc544\ud0c0\ub294 \uacbd\uc6b0\ubfd0 \uc544\ub2c8\ub77c \ucd94\ud6c4 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc911\ub3c4\uc0c1\ud658\ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \uba74\uc81c\ud55c\ub2e4. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uacf5\uae09 \uaddc\ubaa8\ub294 39\uc8706000\uc5b5 \uc6d0\uc774\ub2e4.<\/p>\n
\uae30\uc874 \ubcf4\uae08\uc790\ub9ac\ub860\uacfc \ub3d9\uc77c\ud558\uac8c \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac \ud648\ud398\uc774\uc9c0(hf.go.kr) \ubc0f \uc2a4\ub9c8\ud2b8\uc8fc\ud0dd\uae08\uc735\uc571\uc744 \ud1b5\ud574 \uc2e0\uccad\ud560 \uc218 \uc788\uace0, \ub300\ucd9c\uac00\ub2a5\uae08\uc561\uc740 LTV \uc801\uc6a9\uae08\uc561\uacfc \ub300\ucd9c\ud55c\ub3c4 \uc911 \uc801\uc740 \uae08\uc561\uc774 \uc801\uc6a9\ub418\ub294 \uc810\uc744 \uace0\ub824\ud574 \uc790\uae08\uacc4\ud68d\uc744 \uc218\ub9bd\ud560 \ud544\uc694\uac00 \uc788\ub2e4.<\/p>\n
\ub300\ucd9c \uae30\uac04 \ub3d9\uc548 1\uc8fc\ud0dd \uc720\uc9c0\uc870\uac74\uc744 \uc5c4\uaca9\ud788 \uc801\uc6a9\ud558\uae30 \ub54c\ubb38\uc5d0 \ucd94\uac00 \uc8fc\ud0dd \uad6c\uc785\uc73c\ub85c 2\uc8fc\ud0dd \uc774\uc0c1\uc744 \ubcf4\uc720\ud560 \uacc4\ud68d\uc774 \uc788\ub294 \uacbd\uc6b0\uc5d0\ub294 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc774\uc6a9\uc5d0 \uc2e0\uc911\ud574\uc57c \ud55c\ub2e4.<\/p>\n
\ubb38\uc758: \uae08\uc735\uc704\uc6d0\ud68c \uae08\uc735\uc815\ucc45\uad6d \uae08\uc735\uc815\ucc45\uacfc \uac70\uc2dc\uae08\uc735\ud300(02-2100-2836)<\/p>\n
<\/p>\n
\ucd9c\ucc98:\uae08\uc735\uc704\uc6d0\ud68c<\/p>\n","protected":false},"excerpt":{"rendered":"
\uc8fc\ud0dd\uac00\uaca9 9\uc5b5\uc6d0 \uc774\ud558\u00b7\ub300\ucd9c \ud55c\ub3c4 \ucd5c\ub300 5\uc5b5\u2026\ucd5c\uc7a5 50\ub144 \ub9cc\uae30 \uc624\ub294 30\uc77c\ubd80\ud130 \ubcf4\uae08\uc790\ub9ac\ub860\uc5d0 \uc77c\ubc18\ud615 \uc548\uc2ec\uc804\ud658\ub300\ucd9c, \uc801\uaca9\ub300\ucd9c\uc744 \ud1b5\ud569\ud55c\u00a0\u00a04%\ub300 \uace0\uc815\uae08\ub9ac \ubaa8\uae30\uc9c0\ub860\uc778 \u2018\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\u2019 \uc811\uc218\uac00 \uc2dc\uc791\ub41c\ub2e4. \uc8fc\ud0dd\uac00\uaca9\uc774 9\uc5b5\uc6d0 \uc774\ud558\uc778 \ucc28\uc8fc\uac00 \uc18c\ub4dd\uc81c\ud55c \uc5c6\uc774 \ucd5c\ub300 5\uc5b5\uc6d0\uae4c\uc9c0 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\ube44\uc728(LTV)\u00b7\ucd1d\ubd80\ucc44\uc0c1\ud658\ube44\uc728(DTI) \ud55c\ub3c4 \uc548\uc5d0\uc11c \uc774\uc6a9\uc774 \uac00\ub2a5\ud558\ub2e4. \uae08\uc735\uc704\uc6d0\ud68c\ub294 \uae30\uc874\uc758 \ubcf4\uae08\uc790\ub9ac\ub860\uc5d0 \uc77c\ubc18\ud615 \uc548\uc2ec\uc804\ud658\ub300\ucd9c, \uc801\uaca9\ub300\ucd9c\uc744 \ud1b5\ud569\ud55c \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 1\ub144 \ub3d9\uc548 \ud55c\uc2dc\uc801\uc73c\ub85c \uc6b4\uc601\ud55c\ub2e4\uace0 11\uc77c \ubc1d\ud614\ub2e4. \uc2dc\uc7a5\uae08\ub9ac \uc0c1\uc2b9\uc774 \uc810\ucc28 \ub300\ucd9c\uae08\ub9ac\ub85c \ubc18\uc601\ub418\uba74\uc11c \uc11c\ubbfc\u00b7\uc2e4\uc218\uc694\uc790 \uc774\uc790\ubd80\ub2f4\uc774 \ube60\ub974\uac8c […]<\/p>\n","protected":false},"author":204,"featured_media":1705,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,1,40,39],"tags":[],"class_list":["post-1701","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-10","category-1","category-40","category-39"],"_links":{"self":[{"href":"https:\/\/qissue.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1701","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/qissue.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/qissue.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/qissue.co.kr\/index.php?rest_route=\/wp\/v2\/users\/204"}],"replies":[{"embeddable":true,"href":"https:\/\/qissue.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1701"}],"version-history":[{"count":1,"href":"https:\/\/qissue.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1701\/revisions"}],"predecessor-version":[{"id":1703,"href":"https:\/\/qissue.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1701\/revisions\/1703"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/qissue.co.kr\/index.php?rest_route=\/wp\/v2\/media\/1705"}],"wp:attachment":[{"href":"https:\/\/qissue.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1701"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/qissue.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1701"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/qissue.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}