{"id":156,"date":"2023-11-25T07:46:52","date_gmt":"2023-11-25T07:46:52","guid":{"rendered":"https:\/\/modookorea.com\/?p=156"},"modified":"2023-11-25T07:46:54","modified_gmt":"2023-11-25T07:46:54","slug":"%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a0-%ea%b8%88%eb%a6%ac%ec%9d%b8%ec%83%81-%eb%8c%80%ec%b6%9c-%ec%8b%a0%ec%b2%ad-%eb%8c%80%ec%b6%9c%ea%b8%b0%ea%b0%84-%ec%8b%a0%ec%b2%ad","status":"publish","type":"post","link":"https:\/\/modookorea.com\/?p=156","title":{"rendered":"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uae08\ub9ac\uc778\uc0c1 \ub300\ucd9c \uc2e0\uccad \ub300\ucd9c\uae30\uac04 \uc2e0\uccad \uc815\ubcf4"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\ud2b9\ub840 \ubcf4\uae08\uc790\ub9ac\ub860 \uae08\ub9ac \uc778\uc0c1 \ub300\ucd9c \uc790\uaca9 \uc2e0\uccad \uae30\uac04<\/h2>\n\n\n\n<p>\uc548\ub155\ud558\uc138\uc694, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc5d0\ub514\ud130\uc785\ub2c8\ub2e4. \uc62c\ud574\uc758 \ub9c8\uc9c0\ub9c9 \ub0a0\uc774 \uc810\uc810 \ub2e4\uac00\uc624\uace0 \uc788\ub294\ub370\uc694, \uc62c\ud574 \uacbd\uc81c\ubd80\ubd84\uc5d0\uc11c \ub9e4\uc6b0 \uc8fc\ubaa9\uc744 \ubc1b\uc558\ub358 \ubd84\uc57c \uc911\uc5d0 \ud558\ub098\uac00 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc774\uc5c8\uc2b5\ub2c8\ub2e4. 2023\ub144 \uc8fc\uc694 \uac00\uacc4\ub300\ucd9c \uc99d\ud3ed\uc758 \uc6d0\uc778\uc73c\ub85c\uc368 \uc54c\ub824\uc9c4 \uc774 \uae08\uc735\uc0c1\ud488\uc774 2024\ub144\ub3c4\uc5d0\ub294 \uc5b4\ub5bb\uac8c \ubc14\ub014\uc9c0 \uc5ec\ub7ec\ubd84\ub4e4\uc774 \uad00\uc2ec\uc744 \uac00\uc9c0\uace0 \uc788\ub294\ub370\uc694, \uc774 \uae00\uc740 \ud2b9\ud788\ub098 \uc2e0\uc0dd\uc544 \ucd9c\uc0b0\uc744 \ud558\uc9c0 \uc54a\uc740 \ubd84\ub4e4\uc774\ub77c\uba74 \uaf2d \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uae08\ub9ac\uc778\uc0c1\uacfc \ud568\uaed8 \ub300\ucd9c\uae30\uac04\uc740 \ubb3c\ub860\uc774\uace0, \ub300\ucd9c\uc790\uaca9\uc694\uac74\uc774 \ub418\ub294\uc9c0 \uc54c\uc544\uc57c\ud558\ub2c8 \uc9c0\uae08\ubd80\ud130 \ubc14\ub85c \uac00\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ubcf4\uae08\uc790\ub9ac\ub860 \uae08\ub9ac\uc778\uc0c1<\/h3>\n\n\n\n<p>\ubcf4\ud1b5 \uae08\ub9ac\uac00 \uae30\ud0c0 \uae08\uc735\uc0c1\ud488\ubcf4\ub2e4 \uc870\uae08 \uc801\ub2e4\ub294 \uc810\uc5d0\uc11c \ub9ce\uc740 \ubd84\ub4e4\uc774 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ucc3e\uace0 \uc788\uace0, \ud65c\uc6a9\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \uc6b0\ub300\uae08\ub9ac\ub97c \uc18c\ub4dd\uad6c\uac04\uc5d0 \uc758\ud574\uc11c \uc801\uc6a9\ubc1b\uc744 \uc218 \uc788\ub2e4\ub294 \uc774\uc720\ub3c4\uc788\uc9c0\ub9cc, \uc62c\ud574 11\uc6d4 3\uc77c \uae08\uc694\uc77c\uc5d0 \ubc1c\ud45c\ub41c \ubcf4\uae08\uc790\ub9ac\ub860 0.25% \uae08\ub9ac\uc778\uc0c1\uc73c\ub85c \ub9ce\uc740 \ubbf8\ub798 \uc774\uc6a9\uc790\ub4e4\uc5d0\uac8c \ubd80\ub2f4\uc774 \ub420 \uc218\ub3c4 \uc788\uac8c \ub410\ub294\ub370\uc694.\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\ub9cc\uae30\uae30\uac04\uc5d0 \ub530\ub77c\uc11c \uae08\ub9ac\uac00 \ub2ec\ub77c\uc9c0\ub294 \uace0\uc815\uae08\ub9ac\uc778 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \uae30\ud0c0 \uae08\uc735\uc0c1\ud488\uacfc \ube44\uad50\ub97c \ud558\uace0 \uc138\uc138\ud558\uac8c \uc54c\uc544\ubcf4\uace0 \uc2e0\uccad\ud558\ub294 \uac83\uc744 \uad8c\uc7a5\ub4dc\ub9ac\ub294\ub370\uc694. \uba3c\uc800 50\ub144 \ub9cc\uae30\ub294 \uc5f0 4.8%, 40\ub144\ub9cc\uae30\ub294 \uc5f0 4.75%, 30\ub144 \ub9cc\uae30\ub294 \uc5f0 4.7%, 20\ub144 \ub9cc\uae30\ub294 \uc5f0 4.65%, 15\ub144 \ub9cc\uae30\ub294 \uc5f0 4.6%, 10\ub144 \ub9cc\uae30\ub294 \uc5f0 4.5% \uc774\uace0, \uc6b0\ub300\uae08\ub9ac\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 \uc694\uac74\uc740 \uc544\ub798 \ud56d\ubaa9\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790 : 0.85%<\/li>\n\n\n\n<li>\uc5f0\uc18c\ub4dd 6\ucc9c\ub9cc\uc6d0 \uc774\ud558 \ud55c\ubd80\ubaa8\uac00\uad6c : 0.4%<\/li>\n\n\n\n<li>\ubd80\ubd80\ud569\uc0b0 \uc5f0\uc18c\ub4dd 6\ucc9c\ub9cc\uc6d0 \uc774\ud558 \uc7a5\uc560\uc778\uac00\uad6c : 0.4%<\/li>\n\n\n\n<li>\ubd80\ubd80\ud569\uc0b0 \uc5f0\uc18c\ub4dd 6\ucc9c\ub9cc\uc6d0 \uc774\ud558 \ub2e4\ubb38\ud654\uac00\uad6c : 0.4%<\/li>\n\n\n\n<li>\ubd80\ubd80\ud569\uc0b0 \uc5f0\uc18c\ub4dd 7\ucc9c\ub9cc\uc6d0 \uc774\ud558 \ub2e4\uc790\ub140\uac00\uad6c : 0.4%<\/li>\n\n\n\n<li>\ubbf8\ubd84\uc591\uad00\ub9ac\uc9c0\uc5ed\uc758 \ubbf8\ubd84\uc591\uc544\ud30c\ud2b8 \uc785\uc8fc\uc790(\uc218\ub3c4\uad8c \uc81c\uc678) \ub610\ub294 \uc5f0\uc18c\ub4dd 8\ucc9c\ub9cc\uc6d0\uc774\ud558 : 0.2%<\/li>\n\n\n\n<li>\ubd80\ubd80\ud569\uc0b0 \uc5f0\uc18c\ub4dd 7\ucc9c\ub9cc\uc6d0\uc774\ud558, \ud63c\uc778\uc2e0\uace0\uc77c 7\ub144 \uc774\ud558\uc758 85\uc81c\uacf1\ubbf8\ud130 \uc2e0\ud63c\ubd80\ubd80 : 0.2%<\/li>\n\n\n\n<li>\ub9cc 39\uc0b4 \uc774\ud558 \ubd80\ubd80\ud569\uc0b0 \uc5f0\uc18c\ub4dd 6\ucc9c \uc774\ud558 \ubd80\ubd80 : 0.1%<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--d2e39663b6594051bee7979efa5edbb1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/blog.naver.com\/moon2day\/223255807834\" rel=\"noopener\">\ub514\ub524\ub3cc\ub300\ucd9c \uc870\uac74 \ub0b4\uc9d1\ub9c8\ub828 \uc8fc\ud0dd\uc790\uae08 \uc2e0\uccad\uc815\ubcf4<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c\uc790\uaca9<\/h3>\n\n\n\n<p>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \uc77c\uc2dc\uc801\uc73c\ub85c \uc6b4\uc6a9\ub418\ub294 \uae08\uc735\uc0c1\ud488\uc73c\ub85c\uc368 \ub300\ucd9c\uc790\uaca9\uc5d0 \ucda9\uc871\ub418\ub294 \ubd84\ub4e4\uc774\ub77c\uba74 \ub418\ub3c4\ub85d\uc774\uba74 \ubc1b\uace0 \uc2f6\uc5b4\ud558\uc2e4\ud150\ub370\uc694. \uadf8\ub7ec\ub098 2024\ub144 \ubaa8\uae30\uc9c0 \uc0c1\ud488 \uc815\ucc45\uc758 \uc720\ud615\uc5d0 \uad00\ud574\uc11c \uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uc640 \uae08\uc735\ub2f9\uad6d\uc774 \ub17c\uc758\uc911\uc778 \uac83\uc73c\ub85c \uc54c\ub824\uc838\uc11c \ub300\ucd9c\uc0c1\ud488\uc774 \uc801\uaca9\ub300\ucd9c\uacfc \ubcf4\uae08\uc790\ub9ac\ub860\uc73c\ub85c \ub2e4\uc2dc \uad6c\ubd84\uc774 \ub420 \ud655\ub960\ub3c4 \ub192\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ud604\uc7ac \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c\uc790\uaca9\uc740 \uc544\ub798\uc640 \uac19\uc740\ub370\uc694.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2e0\uc6a9\uc810\uc218 \ub098\uc774\uc2a4 \uae30\uc900 271\uc810\uc774\uc0c1<\/li>\n\n\n\n<li>\ub300\uc0c1 \uc8fc\ud0dd \ud3c9\uac00 \uc561\uc218 6\uc5b5\uc6d0 \uc774\ud558<\/li>\n\n\n\n<li>\ubd80\ubd80\ud569\uc0b0 \uc5f0\uc18c\ub4dd 1\uc5b5\uc6d0 \uc774\ud558<\/li>\n\n\n\n<li>\ubb34\uc8fc\ud0dd\uc790<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c\uae30\uac04<\/h3>\n\n\n\n<p>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \ub9cc\uae30 \uae30\uac04\uc740 50\ub144, 40\ub144, 30\ub144, 20\ub144, 15\ub144, 10\ub144\uc73c\ub85c \uc815\ud560 \uc218 \uc788\uace0, 50\ub144\uacfc 40\ub144\uc740 \ud2b9\ubcc4\ud55c \uc694\uac74\uc744 \ub9cc\uc871\ud558\ub294\ub370, 50\ub144\uc73c\ub85c \ud558\ub824\uba74 \ub9cc 34\uc0b4 \uc774\ud558 \ub610\ub294 \uc2e0\ud63c\ubd80\ubd80\ub9cc \uc2e0\uccad\uc744 \ud560 \uc218 \uc788\uace0, 40\ub144\uc740 \ub9cc 39\uc138 \uc774\ud558 \ub610\ub294 \uc2e0\ud63c\ubd80\ubd80\ub9cc \uc2e0\uccad\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\ubcf4\uae08\uc790\ub9ac\ub860\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \ub300\ucd9c\uc758 \ud55c\ub3c4\ub294 70%\uae4c\uc9c0 \ud560 \uc218 \uc788\uace0, \uc0dd\uc560\ucd5c\ucd08\uad6c\ub9e4\uc790\uc77c\ub54c\ub294 LTV 80% \uae4c\uc9c0 \ub300\ucd9c\ud55c\ub3c4\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\u00a0\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uae30\uac04\uc740 \uc794\uae08\uc744 \uce58\ub8e8\uae30 \uc804 1\ub2ec\uc740 \ub108\ubb34 \ube60\ub4ef\ud558\ub2c8 40\uc77c \uc815\ub3c4 \uae30\uac04\uc744 \ub450\uace0 \uc2e0\uccad\ud558\ub294 \uac83\uc744 \uad8c\uc7a5\ub4dc\ub9bd\ub2c8\ub2e4.\u00a0\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\ubc29\ubc95<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc740 \uc5ec\ub7ec\ubd84\uc774 \uc0dd\uac01\ud558\uc2dc\ub294 \uac83\ubcf4\ub2e4 \uc544\uc8fc \uc26c\uc6b4\ub370\uc694. \uae08\uc735\uc0c1\ud488 \ucde8\uae09\uc740\ud589\uc5d0 \ubc29\ubb38\ud574\uc11c t-\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc2e0\uccad\ud558\uc2dc\uac70\ub098 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac \uc804\uc6a9 \uc5b4\ud50c\uc5d0\uc11c \uc544\ub08ce\ubcf4\uae08\uc790\ub9ac\ub860\uc73c\ub85c \uc2e0\uccad\uc744 \ud558\uc2dc\uba74 \ub418\ub294\ub370\uc694.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc774 \ub450\uac00\uc9c0 \ubc29\ubc95\uc758 \ucc28\uc774\uc810\uc740 \ub300\uba74\uc774\ub0d0, \ube44\ub300\uba74\uc774\ub0d0\uc774\uace0 \ub9cc\uc57d \uc2a4\ub9c8\ud2b8\ud3f0\uc73c\ub85c \uc2e0\uccad\uc744 \ud558\ub294 \ubc29\ubc95\uc774 \uc870\uae08 \ubcf5\uc7a1\ud558\uace0 \uc5b4\ub835\ub2e4\uace0 \uc0dd\uac01\ud558\uc2dc\ub294 \ubd84\ub4e4\uc740 \ud558\ub098\uc740\ud589, \uc6b0\ub9ac\uc740\ud589, SC\uc81c\uc77c\uc740\ud589, \ub18d\ud611\uc740\ud589, \uae30\uc5c5\uc740\ud589\uc5d0\uc11c \ubc29\ubb38\uc2e0\uccad\uc744 \ud558\uc154\uc11c \uc0c1\ub2f4\uc744 \ud558\uba74\uc11c \uc880 \ub354 \uc790\uc138\ud558\uac8c \uc0b4\ud3b4\ubcfc \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc73c\ub2c8 \ud558\uc154\ub3c4 \ub418\uace0, \ub9cc\uc57d \ud55c\uad6d\uc8fc\ud0dd\uacf5\uc0ac\uc5d0\uc11c \uc2e0\uccad\ud558\ub824\uace0 \ud558\uc2e0\ub2e4\uba74 \uc544\ub798 \ucc28\ub840\ub300\ub85c \ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\ud55c\uad6d\uc8fc\ud0dd\uacf5\uc0ac \uacf5\uc2dd\uc0ac\uc774\ud2b8\uc5d0 \uc811\uc18d\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc628\ub77c\uc778 \uae08\uc735\uc11c\ube44\uc2a4\uc5d0 \ub85c\uadf8\uc778\uc744 \ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uba54\ub274\ub97c \ub204\ub974\uace0 \uc2e0\uccad\uc808\ucc28\ub97c \ud074\ub9ad\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc544\ub08ce\ubcf4\uae08\uc790\ub9ac\ub860 \ub610\ub294 u-\ubcf4\uae08\uc790\ub9ac\ub860 \uc911\uc5d0 \ud558\ub098\ub97c \ub20c\ub7ec\uc90d\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc5ec\ub7ec\ubd84\uc758 \uc815\ubcf4\ub97c \uc0c1\ub2f4\ud558\ub824\ub294 \ubd80\ubd84\uacfc \ud568\uaed8 \uc801\uc5b4\uc90d\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc804\ud654\uc0c1\ub2f4\uc774 \ub05d\ub098\uace0 \uc81c\ucd9c\uc11c\ub958\ub97c \ubcf4\ub0b4\uc90d\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc2ec\uc0ac \uc2b9\uc778\uc744 \ubc1b\uace0, \ud574\ub2f9 \uc740\ud589\uc5d0\uc11c \ub300\ucd9c\uae08\uc744 \ubc1b\uc544\uac00\uba74 \ub429\ub2c8\ub2e4.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--82a490813c58cc1f0dbf5f1a7d0d753d\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.hf.go.kr\/ko\/sub01\/sub01_01_05.do\" rel=\"noopener\">\ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac \ubc14\ub85c\uac00\uae30<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc2ec\uc0ac \uc81c\ucd9c\uc11c\ub958\ub85c\ub294 \ubc30\uc6b0\uc790 \uc2e0\ubd84\uc99d \ubc0f \ubc30\uc6b0\uc790\uc6a9 \uc815\ubcf4\uc81c\uacf5\ub3d9\uc758\uc11c, \uc8fc\ubbfc\ub4f1\ub85d\ub4f1\ubcf8, \uac00\uc871\uad00\uacc4\uc6d0(\ubbf8\ud63c\uc774\uac70\ub098 \ubc30\uc6b0\uc790\uac00 \ubcc4\ub3c4 \uc138\ub300\uc77c\ub54c), \uc18c\ub4dd\uc99d\ube59 \ubc0f \uc7ac\uc9c1\ud655\uc778 \uc11c\ub958, \ubd80\ub3d9\uc0b0 \ub9e4\ub9e4\uacc4\uc57d\uc11c \ub610\ub294 \ubd84\uc591\uacc4\uc57d\uc11c \uc0ac\ubcf8\uc774 \ud544\uc694\ud558\uace0, \uae08\uc735\uae30\uad00\uc5d0 \ub300\ucd9c\uc2e0\uccad\ud560\ub54c \ubc14\ub85c \uc81c\ucd9c\ud560 \uc11c\ub958\ub85c\ub294 \uc2e0\ubd84\uc99d\uacfc \ud568\uaed8 \uc778\uac10\uc99d\uba85\uc11c, \uc8fc\ubbfc\ub4f1\ub85d\ub4f1\ubcf8, \ubd80\ub3d9\uc0b0\ub4f1\uae30\uad8c\ub9ac\uc99d\uc774 \ud544\uc694\ud55c\ub370\uc694.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\ucc38\uace0\ub85c \ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc774 \uc644\ub8cc\uac00 \ub418\uba74 \ucd5c\uc18c 1\ub2ec \uc548\uc73c\ub85c \ub300\ucd9c\uc744 \uc2e4\ud589\ud574\uc57c\ud569\ub2c8\ub2e4. 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