{"id":462,"date":"2024-09-26T11:42:57","date_gmt":"2024-09-26T02:42:57","guid":{"rendered":"https:\/\/modamai.kr\/?p=462"},"modified":"2024-09-26T11:42:57","modified_gmt":"2024-09-26T02:42:57","slug":"%eb%8c%80%ec%b6%9c-%ea%b7%9c%ec%a0%9c%ea%b0%80-%ec%a1%b4%ec%9e%ac%ed%95%98%eb%8a%94-%ec%9d%b4%ec%9c%a0%ec%99%80-%ea%b7%b8-%eb%8b%a4%ec%96%91%ed%95%9c-%ed%98%95%ed%83%9c","status":"publish","type":"post","link":"https:\/\/modamai.kr\/?p=462","title":{"rendered":"\ub300\ucd9c \uaddc\uc81c\uac00 \uc874\uc7ac\ud558\ub294 \uc774\uc720\uc640 \uadf8 \ub2e4\uc591\ud55c \ud615\ud0dc"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/modamai.kr\/wp-content\/uploads\/2024\/09\/glow-6-1024x576.png\" alt=\"\" class=\"wp-image-463\" srcset=\"https:\/\/modamai.kr\/wp-content\/uploads\/2024\/09\/glow-6-1024x576.png 1024w, https:\/\/modamai.kr\/wp-content\/uploads\/2024\/09\/glow-6-150x84.png 150w, https:\/\/modamai.kr\/wp-content\/uploads\/2024\/09\/glow-6-768x432.png 768w, https:\/\/modamai.kr\/wp-content\/uploads\/2024\/09\/glow-6.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\ub300\ucd9c\uaddc\uc81c\uc5d0 \ub300\ud55c \uc774\ubbf8\uc9c0<\/figcaption><\/figure>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc758 \ubcf5\uc7a1\uc131\uacfc \ubcc0\ub3d9\uc131 \uc18d\uc5d0\uc11c \ub300\ucd9c \uaddc\uc81c\ub294 \ud544\uc218\uc801\uc778 \uc548\uc804\ub9dd \uc5ed\ud560\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc11c\uc6b8 \uc544\ud30c\ud2b8\uc758 \ud3c9\uade0 \ub9e4\ub9e4\uac00\uac00 2015\ub144 5\uc5b5\uc6d0\uc5d0\uc11c 2023\ub144 11.5\uc5b5\uc6d0\uc73c\ub85c \uce58\uc19f\uc740 \uc0ac\ub840\ub294 \uc774\ub7ec\ud55c \uaddc\uc81c\uac00 \uc65c \ud544\uc694\ud55c\uc9c0\ub97c \uba85\ud655\ud788 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, <strong>LTV<\/strong>(Loan to Value) \ube44\uc728\uc774 90%\ub85c \uc124\uc815\ub41c\ub2e4\uba74, \uace0\uc810\uc5d0\uc11c \ub300\ucd9c\uc561\uc774 \ub2f4\ubcf4 \uac00\uce58\ubcf4\ub2e4 \ub192\uc544\uc9c0\ub294 \uc2ec\uac01\ud55c \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uacfc\uac70 \ubbf8\uad6d \uae08\uc735\uc704\uae30\uc5d0\uc11c \ub098\ud0c0\ub09c \ubb38\uc81c\uc640 \uc720\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">LTV, DTI, DSR\uc758 \uae4a\uc774 \uc788\ub294 \uc774\ud574<\/h2>\n\n\n\n<p>\ub300\ucd9c \uaddc\uc81c\ub97c \uc774\ud574\ud558\uae30 \uc704\ud574 \ud544\uc218\uc801\uc73c\ub85c \uc54c\uc544\uc57c \ud560 \uc138 \uac00\uc9c0 \uac1c\ub150\uc774 \uc788\uc2b5\ub2c8\ub2e4: LTV, DTI(\ucd1d\ubd80\ucc44\uc0c1\ud658\ube44\uc728), DSR(\ucd1d\ubd80\ucc44\uc6d0\ub9ac\uae08\uc0c1\ud658\ube44\uc728).&nbsp;<\/p>\n\n\n\n<p><strong>LTV<\/strong>: \uc8fc\ud0dd\uc758 \uc2dc\uc7a5 \uac00\uce58 \ub300\ube44 \ub300\ucd9c \uac00\ub2a5 \uae08\uc561\uc744 \ub098\ud0c0\ub0c5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 10\uc5b5\uc6d0\uc9dc\ub9ac \uc544\ud30c\ud2b8\uc758 LTV\uac00 70%\ub77c\uba74, \ucd5c\ub300 7\uc5b5\uc6d0\uc758 \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>DTI<\/strong>: \uc18c\ub4dd\uc5d0\uc11c \uc804\uccb4 \ubd80\ucc44\ub97c \uc0c1\ud658\ud558\ub294 \ub370 \uc0ac\uc6a9\ub418\ub294 \ube44\uc728\ub85c, \ub300\ucd9c \ud55c\ub3c4\ub97c \uc124\uc815\ud558\ub294 \uc911\uc694\ud55c \uae30\uc900\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>DSR<\/strong>: \ubaa8\ub4e0 \ub300\ucd9c\uc758 \uc6d0\ub9ac\uae08 \uc0c1\ud658\uc561\uc774 \uc5f0 \uc18c\ub4dd\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc728\ub85c, \uae08\uc735\uae30\uad00\uc774 \ub300\ucd9c \uc0c1\ud658 \ub2a5\ub825\uc744 \ud3c9\uac00\ud558\ub294 \ud575\uc2ec \uc9c0\ud45c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud604\uc7ac\uc758 \ub300\ucd9c \uaddc\uc81c \ud658\uacbd<\/h2>\n\n\n\n<p>\ud604\uc7ac \ub300\ucd9c \uaddc\uc81c\ub294 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc720\ub3d9\uc801\uc73c\ub85c \ubcc0\ud654\ud558\uace0 \uc788\uc73c\uba70, \uaddc\uc81c \uc9c0\uc5ed\uacfc \ube44\uaddc\uc81c \uc9c0\uc5ed, \uc8fc\ud0dd \uc18c\uc720 \uc218\uc5d0 \ub530\ub77c \ub2e4\ub974\uac8c \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcf5\uc7a1\ud55c \ud658\uacbd \uc18d\uc5d0\uc11c 2023\ub144 \ubd80\ub3d9\uc0b0 \uaddc\uc81c \ud604\ud669\uc744 \uc219\uc9c0\ud558\uace0, \uc9c1\uc811 \uae08\uc735\uae30\uad00\uacfc \uc0c1\ub2f4\ud558\ub294 \uac83\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uacb0\ub860: \ud604\uba85\ud55c \ud22c\uc790\uc790\uc758 \uae38<\/h2>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc744 \uc774\ud574\ud558\uace0 \ub300\ucd9c \uaddc\uc81c\uc758 \ubc30\uacbd\uc744 \uc544\ub294 \uac83\uc740 \uc131\uacf5\uc801\uc778 \ud22c\uc790\uc640 \uc548\uc815\uc801\uc778 \uc8fc\uac70 \uc0dd\ud65c\uc744 \uc704\ud55c \ud544\uc218 \uc870\uac74\uc785\ub2c8\ub2e4. \uc804\ubb38\uac00\uac00 \uc544\ub2c8\ub354\ub77c\ub3c4 \uae30\ubcf8\uc801\uc778 \uc2dc\uc7a5 \uba54\ucee4\ub2c8\uc998\uc744 \uc774\ud574\ud558\uba74 \ubcf4\ub2e4 \ud604\uba85\ud55c \uc758\uc0ac\uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735\uae30\uad00 \ubc29\ubb38 \uc804, \ub300\ucd9c \ube44\uad50 \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud558\uc5ec \ub300\ucd9c \uac00\ub2a5\uc131\uc744 \uc0ac\uc804 \uac80\ud1a0\ud558\ub294 \uac83\ub3c4 \ud6a8\uc728\uc801\uc778 \uc804\ub7b5\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc758 \ubcf5\uc7a1\uc131\uacfc \ubcc0\ub3d9\uc131 \uc18d\uc5d0\uc11c \ub300\ucd9c \uaddc\uc81c\ub294 \ud544\uc218\uc801\uc778 \uc548\uc804\ub9dd \uc5ed\ud560\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc11c\uc6b8 \uc544\ud30c\ud2b8\uc758 \ud3c9\uade0 \ub9e4\ub9e4\uac00\uac00 2015\ub144 5\uc5b5\uc6d0\uc5d0\uc11c 2023\ub144 11.5\uc5b5\uc6d0\uc73c\ub85c \uce58\uc19f\uc740 \uc0ac\ub840\ub294 \uc774\ub7ec\ud55c \uaddc\uc81c\uac00 \uc65c \ud544\uc694\ud55c\uc9c0\ub97c \uba85\ud655\ud788 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, LTV(Loan to Value) \ube44\uc728\uc774 90%\ub85c \uc124\uc815\ub41c\ub2e4\uba74, \uace0\uc810\uc5d0\uc11c \ub300\ucd9c\uc561\uc774 \ub2f4\ubcf4 \uac00\uce58\ubcf4\ub2e4 \ub192\uc544\uc9c0\ub294 \uc2ec\uac01\ud55c \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uacfc\uac70 \ubbf8\uad6d \uae08\uc735\uc704\uae30\uc5d0\uc11c \ub098\ud0c0\ub09c \ubb38\uc81c\uc640 \uc720\uc0ac\ud569\ub2c8\ub2e4. LTV, &#8230; <a title=\"\ub300\ucd9c \uaddc\uc81c\uac00 \uc874\uc7ac\ud558\ub294 \uc774\uc720\uc640 \uadf8 \ub2e4\uc591\ud55c \ud615\ud0dc\" class=\"read-more\" href=\"https:\/\/modamai.kr\/?p=462\" aria-label=\"Read more about \ub300\ucd9c \uaddc\uc81c\uac00 \uc874\uc7ac\ud558\ub294 \uc774\uc720\uc640 \uadf8 \ub2e4\uc591\ud55c \ud615\ud0dc\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":464,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[366,365,364,361,362,363],"class_list":["post-462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1","tag-dsr","tag-dti","tag-ltv","tag-361","tag-362","tag-363"],"_links":{"self":[{"href":"https:\/\/modamai.kr\/index.php?rest_route=\/wp\/v2\/posts\/462","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/modamai.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/modamai.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/modamai.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/modamai.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=462"}],"version-history":[{"count":1,"href":"https:\/\/modamai.kr\/index.php?rest_route=\/wp\/v2\/posts\/462\/revisions"}],"predecessor-version":[{"id":465,"href":"https:\/\/modamai.kr\/index.php?rest_route=\/wp\/v2\/posts\/462\/revisions\/465"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/modamai.kr\/index.php?rest_route=\/wp\/v2\/media\/464"}],"wp:attachment":[{"href":"https:\/\/modamai.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=462"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/modamai.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=462"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/modamai.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}