{"id":1728,"date":"2024-10-25T05:37:00","date_gmt":"2024-10-24T20:37:00","guid":{"rendered":"https:\/\/kfoodworld.co.kr\/?p=1728"},"modified":"2024-11-20T13:29:16","modified_gmt":"2024-11-20T04:29:16","slug":"%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5","status":"publish","type":"post","link":"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/","title":{"rendered":"\ubd80\ub3d9\uc0b0 \ub300\ucd9c \uc131\uacf5\uc801\uc778 \ub300\ucd9c\uc744 \uc704\ud55c \ud544\uc218 \uc815\ubcf4\uc640 \uc804\ub7b5"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div 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title=\"\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c(LTV\uc640 DTI)\">\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c(LTV\uc640 DTI)<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C_%EA%B8%B0%EB%B3%B8_%EC%A0%95%EB%B3%B4_%ED%91%9C\" title=\"\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae30\ubcf8 \uc815\ubcf4 \ud45c\">\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae30\ubcf8 \uc815\ubcf4 \ud45c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EB%B6%80%EB%8F%99%EC%82%B0_%ED%88%AC%EC%9E%90_%EB%8C%80%EC%B6%9C\" title=\"\ubd80\ub3d9\uc0b0 \ud22c\uc790 \ub300\ucd9c\">\ubd80\ub3d9\uc0b0 \ud22c\uc790 \ub300\ucd9c<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EB%B6%80%EB%8F%99%EC%82%B0_%ED%88%AC%EC%9E%90_%EB%8C%80%EC%B6%9C%EC%9D%98_%ED%8A%B9%EC%A7%95\" title=\"\ubd80\ub3d9\uc0b0 \ud22c\uc790 \ub300\ucd9c\uc758 \ud2b9\uc9d5\">\ubd80\ub3d9\uc0b0 \ud22c\uc790 \ub300\ucd9c\uc758 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href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EB%8C%80%EC%B6%9C_%EC%8B%AC%EC%82%AC%EC%97%90%EC%84%9C_%EA%B3%A0%EB%A0%A4%EB%90%98%EB%8A%94_%EC%9A%94%EC%86%8C\" title=\"\ub300\ucd9c \uc2ec\uc0ac\uc5d0\uc11c \uace0\ub824\ub418\ub294 \uc694\uc18c\">\ub300\ucd9c \uc2ec\uc0ac\uc5d0\uc11c \uace0\ub824\ub418\ub294 \uc694\uc18c<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EB%8C%80%EC%B6%9C_%EC%8B%AC%EC%82%AC_%EC%9A%94%EC%86%8C_%ED%91%9C\" title=\"\ub300\ucd9c \uc2ec\uc0ac \uc694\uc18c \ud45c\">\ub300\ucd9c \uc2ec\uc0ac \uc694\uc18c \ud45c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#LTV%EC%99%80_DTI%EC%9D%98_%EC%A0%81%EC%9A%A9\" title=\"LTV\uc640 DTI\uc758 \uc801\uc6a9\">LTV\uc640 DTI\uc758 \uc801\uc6a9<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#LTV%EC%99%80_DTI_%EC%A0%81%EC%9A%A9_%EC%A7%80%EC%97%AD%EB%B3%84_%EC%B0%A8%EC%9D%B4\" title=\"LTV\uc640 DTI \uc801\uc6a9 \uc9c0\uc5ed\ubcc4 \ucc28\uc774\">LTV\uc640 DTI \uc801\uc6a9 \uc9c0\uc5ed\ubcc4 \ucc28\uc774<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EC%9D%B4%EC%9E%90%EC%9C%A8_%EB%B9%84%EA%B5%90%EC%99%80_%EC%84%A0%ED%83%9D_%EA%B8%B0%EC%A4%80\" title=\"\uc774\uc790\uc728 \ube44\uad50\uc640 \uc120\ud0dd \uae30\uc900\">\uc774\uc790\uc728 \ube44\uad50\uc640 \uc120\ud0dd \uae30\uc900<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EA%B3%A0%EC%A0%95%EA%B8%88%EB%A6%AC_vs_%EB%B3%80%EB%8F%99%EA%B8%88%EB%A6%AC\" title=\"\uace0\uc815\uae08\ub9ac vs \ubcc0\ub3d9\uae08\ub9ac\">\uace0\uc815\uae08\ub9ac vs \ubcc0\ub3d9\uae08\ub9ac<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EA%B3%A0%EC%A0%95%EA%B8%88%EB%A6%AC%EC%99%80_%EB%B3%80%EB%8F%99%EA%B8%88%EB%A6%AC_%EB%B9%84%EA%B5%90_%ED%91%9C\" title=\"\uace0\uc815\uae08\ub9ac\uc640 \ubcc0\ub3d9\uae08\ub9ac \ube44\uad50 \ud45c\">\uace0\uc815\uae08\ub9ac\uc640 \ubcc0\ub3d9\uae08\ub9ac \ube44\uad50 \ud45c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EC%9D%B4%EC%9E%90%EC%9C%A8_%EC%84%A0%ED%83%9D_%EC%8B%9C_%EA%B3%A0%EB%A0%A4_%EC%82%AC%ED%95%AD\" title=\"\uc774\uc790\uc728 \uc120\ud0dd \uc2dc \uace0\ub824 \uc0ac\ud56d\">\uc774\uc790\uc728 \uc120\ud0dd \uc2dc \uace0\ub824 \uc0ac\ud56d<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EC%9D%B4%EC%9E%90%EC%9C%A8_%EC%84%A0%ED%83%9D_%EC%8B%9C_%EA%B3%A0%EB%A0%A4%ED%95%A0_%EC%82%AC%ED%95%AD\" title=\"\uc774\uc790\uc728 \uc120\ud0dd \uc2dc \uace0\ub824\ud560 \uc0ac\ud56d\">\uc774\uc790\uc728 \uc120\ud0dd \uc2dc \uace0\ub824\ud560 \uc0ac\ud56d<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EB%B6%80%EB%8F%99%EC%82%B0_%EB%8C%80%EC%B6%9C_%EC%83%81%ED%99%98_%EB%B0%A9%EC%8B%9D%EA%B3%BC_%EC%A0%84%EB%9E%B5\" title=\"\ubd80\ub3d9\uc0b0 \ub300\ucd9c \uc0c1\ud658 \ubc29\uc2dd\uacfc \uc804\ub7b5\">\ubd80\ub3d9\uc0b0 \ub300\ucd9c \uc0c1\ud658 \ubc29\uc2dd\uacfc \uc804\ub7b5<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EC%83%81%ED%99%98_%EB%B0%A9%EC%8B%9D%EC%9D%98_%EC%A2%85%EB%A5%98\" title=\"\uc0c1\ud658 \ubc29\uc2dd\uc758 \uc885\ub958\">\uc0c1\ud658 \ubc29\uc2dd\uc758 \uc885\ub958<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EC%83%81%ED%99%98_%EB%B0%A9%EC%8B%9D_%EB%B9%84%EA%B5%90_%ED%91%9C\" title=\"\uc0c1\ud658 \ubc29\uc2dd \ube44\uad50 \ud45c\">\uc0c1\ud658 \ubc29\uc2dd \ube44\uad50 \ud45c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EC%83%81%ED%99%98_%EC%A0%84%EB%9E%B5\" title=\"\uc0c1\ud658 \uc804\ub7b5\">\uc0c1\ud658 \uc804\ub7b5<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EC%83%81%ED%99%98_%EC%A0%84%EB%9E%B5_%EC%9A%94%EC%95%BD_%ED%91%9C\" title=\"\uc0c1\ud658 \uc804\ub7b5 \uc694\uc57d \ud45c\">\uc0c1\ud658 \uc804\ub7b5 \uc694\uc57d \ud45c<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EA%B7%9C%EC%A0%9C%EC%97%90_%EB%94%B0%EB%A5%B8_%EB%8C%80%EC%B6%9C_%ED%95%9C%EB%8F%84%EC%99%80_%EC%A0%84%EB%9E%B5\" title=\"\uaddc\uc81c\uc5d0 \ub530\ub978 \ub300\ucd9c \ud55c\ub3c4\uc640 \uc804\ub7b5\">\uaddc\uc81c\uc5d0 \ub530\ub978 \ub300\ucd9c \ud55c\ub3c4\uc640 \uc804\ub7b5<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EA%B7%9C%EC%A0%9C_%EC%A7%80%EC%97%AD%EA%B3%BC_%EB%B9%84%EA%B7%9C%EC%A0%9C_%EC%A7%80%EC%97%AD_%EB%8C%80%EC%B6%9C_%EB%B9%84%EA%B5%90\" title=\"\uaddc\uc81c \uc9c0\uc5ed\uacfc \ube44\uaddc\uc81c \uc9c0\uc5ed \ub300\ucd9c \ube44\uad50\">\uaddc\uc81c \uc9c0\uc5ed\uacfc \ube44\uaddc\uc81c \uc9c0\uc5ed \ub300\ucd9c \ube44\uad50<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EA%B7%9C%EC%A0%9C_%EC%A7%80%EC%97%AD%EA%B3%BC_%EB%B9%84%EA%B7%9C%EC%A0%9C_%EC%A7%80%EC%97%AD_%EB%8C%80%EC%B6%9C_%EB%B9%84%EA%B5%90_%ED%91%9C\" title=\"\uaddc\uc81c \uc9c0\uc5ed\uacfc \ube44\uaddc\uc81c \uc9c0\uc5ed \ub300\ucd9c \ube44\uad50 \ud45c\">\uaddc\uc81c \uc9c0\uc5ed\uacfc \ube44\uaddc\uc81c \uc9c0\uc5ed \ub300\ucd9c \ube44\uad50 \ud45c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EA%B7%9C%EC%A0%9C%EC%97%90_%EB%94%B0%EB%A5%B8_%EB%8C%80%EC%B6%9C_%EC%A0%84%EB%9E%B5\" title=\"\uaddc\uc81c\uc5d0 \ub530\ub978 \ub300\ucd9c \uc804\ub7b5\">\uaddc\uc81c\uc5d0 \ub530\ub978 \ub300\ucd9c \uc804\ub7b5<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EB%8C%80%EC%B6%9C_%EC%A0%84%EB%9E%B5_%EC%9A%94%EC%95%BD_%ED%91%9C\" title=\"\ub300\ucd9c \uc804\ub7b5 \uc694\uc57d \ud45c\">\ub300\ucd9c \uc804\ub7b5 \uc694\uc57d \ud45c<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EB%8C%80%EC%B6%9C_%EC%8B%9C_%EC%A3%BC%EC%9D%98%ED%95%B4%EC%95%BC_%ED%95%A0_%EC%82%AC%ED%95%AD%EA%B3%BC_%EC%A0%88%EC%84%B8_%EC%A0%84%EB%9E%B5\" title=\"\ub300\ucd9c \uc2dc \uc8fc\uc758\ud574\uc57c \ud560 \uc0ac\ud56d\uacfc \uc808\uc138 \uc804\ub7b5\">\ub300\ucd9c \uc2dc \uc8fc\uc758\ud574\uc57c \ud560 \uc0ac\ud56d\uacfc \uc808\uc138 \uc804\ub7b5<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EB%8C%80%EC%B6%9C_%EC%8B%9C_%EC%A3%BC%EC%9D%98%EC%82%AC%ED%95%AD\" title=\"\ub300\ucd9c \uc2dc \uc8fc\uc758\uc0ac\ud56d\">\ub300\ucd9c \uc2dc \uc8fc\uc758\uc0ac\ud56d<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EB%8C%80%EC%B6%9C_%EC%8B%9C_%EC%A3%BC%EC%9D%98%EC%82%AC%ED%95%AD_%ED%91%9C\" title=\"\ub300\ucd9c \uc2dc \uc8fc\uc758\uc0ac\ud56d \ud45c\">\ub300\ucd9c \uc2dc \uc8fc\uc758\uc0ac\ud56d \ud45c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EC%A0%88%EC%84%B8_%EC%A0%84%EB%9E%B5\" title=\"\uc808\uc138 \uc804\ub7b5\">\uc808\uc138 \uc804\ub7b5<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/kfoodworld.co.kr\/%eb%b6%80%eb%8f%99%ec%82%b0-%eb%8c%80%ec%b6%9c-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9d%b8-%eb%8c%80%ec%b6%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%95%84%ec%88%98-%ec%a0%95%eb%b3%b4%ec%99%80-%ec%a0%84%eb%9e%b5\/#%EB%8C%80%EC%B6%9C_%EA%B4%80%EB%A0%A8_%EC%A0%88%EC%84%B8_%EC%A0%84%EB%9E%B5_%EC%9A%94%EC%95%BD_%ED%91%9C\" title=\"\ub300\ucd9c \uad00\ub828 \uc808\uc138 \uc804\ub7b5 \uc694\uc57d \ud45c\">\ub300\ucd9c \uad00\ub828 \uc808\uc138 \uc804\ub7b5 \uc694\uc57d \ud45c<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%B6%80%EB%8F%99%EC%82%B0_%EB%8C%80%EC%B6%9C_%EC%96%BC%EB%A7%88%EB%82%98_%EC%95%8C%EA%B3%A0_%EA%B3%84%EC%8B%A0%EA%B0%80%EC%9A%94\"><\/span><strong>\ubd80\ub3d9\uc0b0 \ub300\ucd9c \uc5bc\ub9c8\ub098 \uc54c\uace0 \uacc4\uc2e0\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \ub300\ucd9c \ubd80\ub3d9\uc0b0 \uad6c\ub9e4\ub294 \ub300\ubd80\ubd84\uc758 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc778\uc0dd\uc5d0\uc11c \uac00\uc7a5 \ud070 \ud22c\uc790 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774 \uacfc\uc815\uc5d0\uc11c <strong>\ub300\ucd9c<\/strong>\uc740 \ud544\uc218\uc801\uc778 \uc790\uae08 \uc870\ub2ec \ubc29\ubc95\uc73c\ub85c \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc8fc\ud0dd\uc744 \ub9c8\ub828\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc0c1\ub2f9\ud55c \uc790\ubcf8\uc774 \ud544\uc694\ud558\uae30 \ub54c\ubb38\uc5d0, \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc744 \uc801\uc808\ud558\uac8c \ud65c\uc6a9\ud558\ub294 \uac83\uc740 \uc131\uacf5\uc801\uc778 \uc7ac\uc0b0 \uad00\ub9ac\uc640 \ud22c\uc790\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uadf8\ub7ec\ub098 \ub300\ucd9c\uc744 \uc798\ubabb \ud65c\uc6a9\ud558\uba74 \ubd88\ud544\uc694\ud55c \uc774\uc790 \ubd80\ub2f4\uc774 \ucee4\uc9c8 \uc218 \uc788\uace0, \ub300\ucd9c \uc870\uac74\uc744 \ucda9\ubd84\ud788 <\/p>\n\n\n\n<p>\uc774\ud574\ud558\uc9c0 \ubabb\ud558\uba74 \uc758\ub3c4\uce58 \uc54a\uc740 \uc7ac\uc815\uc801 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc758 \uae30\ubcf8 \uac1c\ub150\ubd80\ud130 \ub300\ucd9c\uc758 \uc885\ub958, \ub300\ucd9c \uc2ec\uc0ac \uae30\uc900, \uc774\uc790\uc728 \ube44\uad50, \uadf8\ub9ac\uace0 \ub300\ucd9c \uc0c1\ud658 \uc804\ub7b5\uae4c\uc9c0 \uc0c1\uc138\ud788 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\ub97c \ud1b5\ud574 \uc5ec\ub7ec\ubd84\uc774 \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc774\uace0 \uc548\uc804\ud558\uac8c \ub300\ucd9c\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%B6%80%EB%8F%99%EC%82%B0_%EB%8C%80%EC%B6%9C_%EA%B8%B0%EB%B3%B8_%EA%B0%9C%EB%85%90%EA%B3%BC_%EC%A2%85%EB%A5%98\"><\/span><strong>\ubd80\ub3d9\uc0b0 \ub300\ucd9c \uae30\ubcf8 \uac1c\ub150\uacfc \uc885\ub958<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \ub300\ucd9c \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\uac70\ub098 \ubd80\ub3d9\uc0b0 \ud22c\uc790\ub97c \ud560 \ub54c \ud544\uc694\ud55c \uc790\uae08\uc744 \uae08\uc735\uae30\uad00\uc73c\ub85c\ubd80\ud130 \ube4c\ub9ac\ub294 \uac83\uc744 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub300\ucd9c\uc744 \ud1b5\ud574 \uad6c\ub9e4\uc790\ub294 \ud604\uae08\uc774 \ubd80\uc871\ud55c \uc0c1\ud0dc\uc5d0\uc11c\ub3c4 \ubd80\ub3d9\uc0b0\uc744 \ucde8\ub4dd\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc774\uc5d0 \ub530\ub77c \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 \ub300\ucd9c\uae08\uc744 \uc0c1\ud658\ud574\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc5d0\ub294 \ud06c\uac8c <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong>\uacfc <strong>\ubd80\ub3d9\uc0b0 \ud22c\uc790 \ub300\ucd9c<\/strong>\uc774 \uc788\uc73c\uba70, \ub300\ucd9c \uc0c1\ud488\uc5d0 \ub530\ub77c \uc0c1\ud658 \ubc29\uc2dd\uacfc \uc774\uc790\uc728\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9CLTV%EC%99%80_DTI\"><\/span>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c(LTV\uc640 DTI)<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 \uc8fc\ud0dd\uc744 \ub2f4\ubcf4\ub85c \uae08\uc735\uae30\uad00\uc73c\ub85c\ubd80\ud130 \ub300\ucd9c\uc744 \ubc1b\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc774\ub54c \ub300\ucd9c \uac00\ub2a5 \uae08\uc561\uc740 <strong>LTV<\/strong>(\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\ube44\uc728)\uc640 <strong>DTI<\/strong>(\ucd1d\ubd80\ucc44\uc0c1\ud658\ube44\uc728)\uc5d0 \ub530\ub77c \uacb0\uc815\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>LTV<\/strong>: \ub2f4\ubcf4 \uac00\uce58\uc5d0 \ub300\ud55c \ub300\ucd9c \uac00\ub2a5 \ube44\uc728\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 5\uc5b5 \uc6d0\uc9dc\ub9ac \uc8fc\ud0dd\uc5d0 \ub300\ud574 LTV\uac00 70%\ub77c\uba74, \ucd5c\ub300 3\uc5b5 5\ucc9c\ub9cc \uc6d0\uae4c\uc9c0 \ub300\ucd9c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>DTI<\/strong>: \uc5f0\uc18c\ub4dd \ub300\ube44 \ucd1d\ubd80\ucc44 \uc0c1\ud658\uc561 \ube44\uc728\ub85c, \uac1c\uc778\uc758 \uc0c1\ud658 \ub2a5\ub825\uc5d0 \ub530\ub978 \ub300\ucd9c \ud55c\ub3c4\ub97c \uacb0\uc815\ud558\ub294 \uc9c0\ud45c\uc785\ub2c8\ub2e4. \ub300\ucd9c\uae08 \uc774\uc790\uc640 \uc6d0\uae08\uc744 \ud3ec\ud568\ud55c \ubaa8\ub4e0 \uc0c1\ud658\uc561\uc774 \uc5f0\uc18c\ub4dd\uc758 \uc77c\uc815 \ube44\uc728\uc744 \ub118\uc9c0 \uc54a\ub3c4\ub85d \uc81c\ud55c\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C_%EA%B8%B0%EB%B3%B8_%EC%A0%95%EB%B3%B4_%ED%91%9C\"><\/span>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae30\ubcf8 \uc815\ubcf4 \ud45c<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>LTV<\/td><td>\uc8fc\ud0dd \uac00\uce58 \ub300\ube44 \ub300\ucd9c \ud55c\ub3c4<\/td><\/tr><tr><td>DTI<\/td><td>\uc5f0\uc18c\ub4dd \ub300\ube44 \ubd80\ucc44 \uc0c1\ud658 \ube44\uc728 \uc81c\ud55c<\/td><\/tr><tr><td>\uae08\ub9ac<\/td><td>\uace0\uc815\uae08\ub9ac \ub610\ub294 \ubcc0\ub3d9\uae08\ub9ac \uc120\ud0dd \uac00\ub2a5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%B6%80%EB%8F%99%EC%82%B0_%ED%88%AC%EC%9E%90_%EB%8C%80%EC%B6%9C\"><\/span>\ubd80\ub3d9\uc0b0 \ud22c\uc790 \ub300\ucd9c<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \ud22c\uc790 \ub300\ucd9c\uc740 \uc0c1\uc5c5\uc6a9 \ubd80\ub3d9\uc0b0\uc774\ub098 \uc218\uc775\uc131 \ubd80\ub3d9\uc0b0(\uc0c1\uac00, \uc624\ud53c\uc2a4\ud154 \ub4f1)\uc744 \uad6c\ub9e4\ud560 \ub54c \uc0ac\uc6a9\ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ud22c\uc790 \ub300\ucd9c\uc740 \ub2f4\ubcf4\uac00 \ub418\ub294 \ubd80\ub3d9\uc0b0\uc758 \uc218\uc775\uc131\uacfc \ud22c\uc790\uc790\uc758 \uc0c1\ud658 \ub2a5\ub825\uc5d0 \ub530\ub77c \ub300\ucd9c \uc870\uac74\uc774 \ub2ec\ub77c\uc9c0\uba70, \ub300\ucd9c \uc2ec\uc0ac \uae30\uc900\uc774 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\ubcf4\ub2e4 \uc5c4\uaca9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%B6%80%EB%8F%99%EC%82%B0_%ED%88%AC%EC%9E%90_%EB%8C%80%EC%B6%9C%EC%9D%98_%ED%8A%B9%EC%A7%95\"><\/span>\ubd80\ub3d9\uc0b0 \ud22c\uc790 \ub300\ucd9c\uc758 \ud2b9\uc9d5<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>\ub2f4\ubcf4 \ubd80\ub3d9\uc0b0<\/td><td>\uc0c1\uc5c5\uc6a9 \ubd80\ub3d9\uc0b0, \uc218\uc775\uc131 \ubd80\ub3d9\uc0b0\uc5d0 \ub300\ud55c \ub300\ucd9c<\/td><\/tr><tr><td>\ub300\ucd9c \ud55c\ub3c4<\/td><td>\uc218\uc775\uc131\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d0<\/td><\/tr><tr><td>\uc0c1\ud658 \ubc29\uc2dd<\/td><td>\uc6d0\ub9ac\uae08 \uade0\ub4f1 \uc0c1\ud658 \ub610\ub294 \ub9cc\uae30\uc77c\uc2dc \uc0c1\ud658 \uac00\ub2a5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%8B%A0%EC%B2%AD%EA%B3%BC_%EC%8B%AC%EC%82%AC_%EA%B8%B0%EC%A4%80\"><\/span><strong>\ub300\ucd9c \uc2e0\uccad\uacfc \uc2ec\uc0ac \uae30\uc900<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc744 \ubc1b\uae30 \uc704\ud574\uc11c\ub294 \uc2e0\uccad \uc808\ucc28\uc640 \uc2ec\uc0ac\ub97c \uac70\uccd0\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub300\ucd9c \uc2ec\uc0ac\ub294 \ub300\ucd9c\uc790\uc758 \uc2e0\uc6a9\ub3c4, \uc18c\ub4dd, \ub2f4\ubcf4 \uac00\uce58 \ub4f1\uc744 \uae30\uc900\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9c0\uba70, \ub300\ucd9c \uc2b9\uc778 \uc5ec\ubd80\uc640 \ub300\ucd9c \ud55c\ub3c4\uac00 \uacb0\uc815\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%8B%AC%EC%82%AC%EC%97%90%EC%84%9C_%EA%B3%A0%EB%A0%A4%EB%90%98%EB%8A%94_%EC%9A%94%EC%86%8C\"><\/span>\ub300\ucd9c \uc2ec\uc0ac\uc5d0\uc11c \uace0\ub824\ub418\ub294 \uc694\uc18c<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\ub300\ucd9c \uc2ec\uc0ac\uc5d0\uc11c\ub294 \uc5ec\ub7ec \uac00\uc9c0 \uc694\uc18c\ub4e4\uc774 \uace0\ub824\ub429\ub2c8\ub2e4. \ud2b9\ud788 <strong>\uc2e0\uc6a9\ub3c4<\/strong>, <strong>\uc18c\ub4dd<\/strong> \uadf8\ub9ac\uace0 <strong>\ub2f4\ubcf4 \uac00\uce58<\/strong>\uac00 \ub300\ucd9c \uc2ec\uc0ac\uc5d0\uc11c \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%8B%AC%EC%82%AC_%EC%9A%94%EC%86%8C_%ED%91%9C\"><\/span>\ub300\ucd9c \uc2ec\uc0ac \uc694\uc18c \ud45c<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc694\uc18c<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>\uc2e0\uc6a9\ub3c4<\/td><td>\ub300\ucd9c\uc790\uc758 \uc2e0\uc6a9 \uc810\uc218 \ubc0f \uc2e0\uc6a9 \uac70\ub798 \uc774\ub825<\/td><\/tr><tr><td>\uc18c\ub4dd<\/td><td>\ub300\ucd9c\uc790\uc758 \uc5f0\uac04 \uc18c\ub4dd \ubc0f \uc548\uc815\uc131<\/td><\/tr><tr><td>\ub2f4\ubcf4 \uac00\uce58<\/td><td>\ubd80\ub3d9\uc0b0\uc758 \ud604\uc7ac \uc2dc\uc138 \ubc0f \ubbf8\ub798 \uac00\uce58<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"LTV%EC%99%80_DTI%EC%9D%98_%EC%A0%81%EC%9A%A9\"><\/span>LTV\uc640 DTI\uc758 \uc801\uc6a9<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\ub300\ucd9c \ud55c\ub3c4\ub294 LTV\uc640 DTI\uc5d0 \ub530\ub77c \uacb0\uc815\ub429\ub2c8\ub2e4. \uaddc\uc81c \uc9c0\uc5ed\uc5d0\uc11c\ub294 LTV\uc640 DTI \uae30\uc900\uc774 \ub354 \uc5c4\uaca9\ud558\uac8c \uc801\uc6a9\ub418\uba70, \ube44\uaddc\uc81c \uc9c0\uc5ed\uc5d0\uc11c\ub294 \ube44\uad50\uc801 \uc644\ud654\ub41c \uae30\uc900\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"LTV%EC%99%80_DTI_%EC%A0%81%EC%9A%A9_%EC%A7%80%EC%97%AD%EB%B3%84_%EC%B0%A8%EC%9D%B4\"><\/span>LTV\uc640 DTI \uc801\uc6a9 \uc9c0\uc5ed\ubcc4 \ucc28\uc774<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc9c0\uc5ed<\/th><th>LTV \uc81c\ud55c<\/th><th>DTI \uc81c\ud55c<\/th><\/tr><\/thead><tbody><tr><td>\ud22c\uae30\uacfc\uc5f4\uc9c0\uad6c<\/td><td>\ucd5c\ub300 40%<\/td><td>\ucd5c\ub300 40%<\/td><\/tr><tr><td>\uc870\uc815\ub300\uc0c1\uc9c0\uc5ed<\/td><td>\ucd5c\ub300 50%<\/td><td>\ucd5c\ub300 50%<\/td><\/tr><tr><td>\ube44\uaddc\uc81c\uc9c0\uc5ed<\/td><td>\ucd5c\ub300 70%<\/td><td>\ucd5c\ub300 60%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EC%9D%B4%EC%9E%90%EC%9C%A8_%EB%B9%84%EA%B5%90%EC%99%80_%EC%84%A0%ED%83%9D_%EA%B8%B0%EC%A4%80\"><\/span><strong>\uc774\uc790\uc728 \ube44\uad50\uc640 \uc120\ud0dd \uae30\uc900<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc744 \uc120\ud0dd\ud560 \ub54c\ub294 <strong>\uc774\uc790\uc728<\/strong>\uc774 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\uc790\uc728\uc740 \uace0\uc815\uae08\ub9ac\uc640 \ubcc0\ub3d9\uae08\ub9ac\ub85c \ub098\ub258\uba70, \uac01 \ubc29\uc2dd\uc5d0 \ub530\ub77c \uc0c1\ud658 \ubc29\uc2dd\uacfc \uae08\ub9ac \ubcc0\ud654 \uac00\ub2a5\uc131\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EA%B3%A0%EC%A0%95%EA%B8%88%EB%A6%AC_vs_%EB%B3%80%EB%8F%99%EA%B8%88%EB%A6%AC\"><\/span>\uace0\uc815\uae08\ub9ac vs \ubcc0\ub3d9\uae08\ub9ac<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uace0\uc815\uae08\ub9ac<\/strong>: \ub300\ucd9c \uae30\uac04 \ub3d9\uc548 \uc77c\uc815\ud55c \uae08\ub9ac\uac00 \uc720\uc9c0\ub429\ub2c8\ub2e4. \ucd08\uae30 \uae08\ub9ac\ub294 \ub2e4\uc18c \ub192\uc744 \uc218 \uc788\uc9c0\ub9cc, \uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0 \uc548\uc815\uc801\uc778 \uc0c1\ud658 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ubcc0\ub3d9\uae08\ub9ac<\/strong>: \uc2dc\uc7a5 \uae08\ub9ac\uc5d0 \ub530\ub77c \ub300\ucd9c \uae08\ub9ac\uac00 \ubcc0\ub3d9\ud569\ub2c8\ub2e4. \ucd08\uae30 \uae08\ub9ac\ub294 \ub0ae\uc744 \uc218 \uc788\uc73c\ub098, \uae08\ub9ac\uac00 \uc0c1\uc2b9\ud558\uba74 \uc0c1\ud658 \ubd80\ub2f4\uc774 \ucee4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EA%B3%A0%EC%A0%95%EA%B8%88%EB%A6%AC%EC%99%80_%EB%B3%80%EB%8F%99%EA%B8%88%EB%A6%AC_%EB%B9%84%EA%B5%90_%ED%91%9C\"><\/span>\uace0\uc815\uae08\ub9ac\uc640 \ubcc0\ub3d9\uae08\ub9ac \ube44\uad50 \ud45c<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th>\uace0\uc815\uae08\ub9ac<\/th><th>\ubcc0\ub3d9\uae08\ub9ac<\/th><\/tr><\/thead><tbody><tr><td>\uae08\ub9ac<\/td><td>\ub300\ucd9c \uae30\uac04 \ub3d9\uc548 \uc77c\uc815<\/td><td>\uc2dc\uc7a5 \uae08\ub9ac\uc5d0 \ub530\ub77c \ubcc0\ub3d9<\/td><\/tr><tr><td>\uc7a5\uc810<\/td><td>\uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0\ub3c4 \uc0c1\ud658 \ubd80\ub2f4 \uc5c6\uc74c<\/td><td>\ucd08\uae30 \uae08\ub9ac\uac00 \ub0ae\uc544 \uc774\uc790 \ubd80\ub2f4 \uc801\uc74c<\/td><\/tr><tr><td>\ub2e8\uc810<\/td><td>\ucd08\uae30 \uae08\ub9ac\uac00 \ub2e4\uc18c \ub192\uc74c<\/td><td>\uae08\ub9ac \uc0c1\uc2b9 \uc2dc \uc0c1\ud658 \ubd80\ub2f4 \uc99d\uac00 \uac00\ub2a5\uc131 \uc788\uc74c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EC%9D%B4%EC%9E%90%EC%9C%A8_%EC%84%A0%ED%83%9D_%EC%8B%9C_%EA%B3%A0%EB%A0%A4_%EC%82%AC%ED%95%AD\"><\/span>\uc774\uc790\uc728 \uc120\ud0dd \uc2dc \uace0\ub824 \uc0ac\ud56d<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\uc774\uc790\uc728\uc744 \uc120\ud0dd\ud560 \ub54c\ub294 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uacfc \uc2dc\uc7a5 \uc0c1\ud669\uc744 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uae08\ub9ac \uc0c1\uc2b9\uc774 \uc608\uc0c1\ub418\ub294 \uc2dc\uae30\uc5d0\ub294 \uace0\uc815\uae08\ub9ac\uac00 \uc720\ub9ac\ud560 \uc218 \uc788\uc73c\uba70, \uae08\ub9ac \ud558\ub77d\uc774 \uc608\uc0c1\ub418\ub294 \uacbd\uc6b0<\/p>\n\n\n\n<p>\ubcc0\ub3d9\uae08\ub9ac\uac00 \uc720\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ub300\ucd9c \uae30\uac04\uc5d0 \ub530\ub978 \uc774\uc790 \ucd1d\uc561\ub3c4 \uc911\uc694\ud55c \uace0\ub824 \uc0ac\ud56d\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EC%9D%B4%EC%9E%90%EC%9C%A8_%EC%84%A0%ED%83%9D_%EC%8B%9C_%EA%B3%A0%EB%A0%A4%ED%95%A0_%EC%82%AC%ED%95%AD\"><\/span>\uc774\uc790\uc728 \uc120\ud0dd \uc2dc \uace0\ub824\ud560 \uc0ac\ud56d<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc694\uc18c<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>\uae08\ub9ac \uc804\ub9dd<\/td><td>\uae08\ub9ac \uc0c1\uc2b9 \ub610\ub294 \ud558\ub77d \uc608\uce21<\/td><\/tr><tr><td>\uc0c1\ud658 \uacc4\ud68d<\/td><td>\uc7a5\uae30 \uc0c1\ud658 \uacc4\ud68d \uc5ec\ubd80 \ubc0f \uc774\uc790 \ubd80\ub2f4 \uac00\ub2a5\uc131<\/td><\/tr><tr><td>\uc7ac\uc815 \uc0c1\ud669<\/td><td>\ub300\ucd9c\uc790\uc758 \uc18c\ub4dd \ubc0f \uc7ac\uc815\uc801 \uc548\uc815\uc131<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%B6%80%EB%8F%99%EC%82%B0_%EB%8C%80%EC%B6%9C_%EC%83%81%ED%99%98_%EB%B0%A9%EC%8B%9D%EA%B3%BC_%EC%A0%84%EB%9E%B5\"><\/span>\ubd80\ub3d9\uc0b0 <strong>\ub300\ucd9c \uc0c1\ud658 \ubc29\uc2dd\uacfc \uc804\ub7b5<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \ub300\ucd9c \ubc1b\uc744 \ub54c\ub294 \uc0c1\ud658 \ubc29\uc2dd\ub3c4 \uc911\uc694\ud55c \uacb0\uc815 \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc0c1\ud658 \ubc29\uc2dd\uc5d0 \ub530\ub77c \ub9e4\ub2ec \uc0c1\ud658\ud574\uc57c \ud560 \uae08\uc561\uacfc \uc774\uc790 \ubd80\ub2f4\uc774 \ub2ec\ub77c\uc9c0\uae30 \ub54c\ubb38\uc5d0, \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uc0c1\ud658 \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EC%83%81%ED%99%98_%EB%B0%A9%EC%8B%9D%EC%9D%98_%EC%A2%85%EB%A5%98\"><\/span>\uc0c1\ud658 \ubc29\uc2dd\uc758 \uc885\ub958<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\ub300\ucd9c \uc0c1\ud658 \ubc29\uc2dd\uc740 \ud06c\uac8c <strong>\uc6d0\ub9ac\uae08 \uade0\ub4f1 \uc0c1\ud658<\/strong>\uacfc <strong>\uc6d0\uae08 \uade0\ub4f1 \uc0c1\ud658<\/strong>, <strong>\ub9cc\uae30 \uc77c\uc2dc \uc0c1\ud658<\/strong>\uc73c\ub85c \ub098\ub20c \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uac01 \ubc29\uc2dd\uc740 \uc0c1\ud658 \uae30\uac04 \ub3d9\uc548\uc758 \uc6d4 \uc0c1\ud658\uc561\uacfc \uc774\uc790 \ubd80\ub2f4\uc774 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EC%83%81%ED%99%98_%EB%B0%A9%EC%8B%9D_%EB%B9%84%EA%B5%90_%ED%91%9C\"><\/span>\uc0c1\ud658 \ubc29\uc2dd \ube44\uad50 \ud45c<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc0c1\ud658 \ubc29\uc2dd<\/th><th>\uc124\uba85<\/th><th>\ud2b9\uc9d5<\/th><\/tr><\/thead><tbody><tr><td>\uc6d0\ub9ac\uae08 \uade0\ub4f1 \uc0c1\ud658<\/td><td>\uc6d0\uae08\uacfc \uc774\uc790\ub97c \ud569\uc0b0\ud574 \ub9e4\ub2ec \ub3d9\uc77c\ud55c \uae08\uc561 \uc0c1\ud658<\/td><td>\ub9e4\ub2ec \uc77c\uc815\ud55c \uae08\uc561 \uc0c1\ud658, \ucd08\uae30 \uc774\uc790 \ubd80\ub2f4 \ub192\uc74c<\/td><\/tr><tr><td>\uc6d0\uae08 \uade0\ub4f1 \uc0c1\ud658<\/td><td>\uc6d0\uae08\uc744 \ub9e4\ub2ec \uc77c\uc815\ud558\uac8c \uc0c1\ud658, \uc774\uc790\ub294 \ub0a8\uc740 \uc6d0\uae08\uc5d0 \ub300\ud574 \ubd80\uacfc<\/td><td>\ucd08\uae30 \uc0c1\ud658\uc561\uc774 \ud06c\uc9c0\ub9cc, \ud6c4\ubc18\ubd80\ub85c \uac08\uc218\ub85d \uc774\uc790 \ubd80\ub2f4 \uac10\uc18c<\/td><\/tr><tr><td>\ub9cc\uae30 \uc77c\uc2dc \uc0c1\ud658<\/td><td>\ub9cc\uae30\uc5d0 \uc6d0\uae08\uc744 \ud55c \ubc88\uc5d0 \uc0c1\ud658\ud558\uace0, \ub9e4\ub2ec \uc774\uc790\ub9cc \uc0c1\ud658<\/td><td>\uc6d4 \uc774\uc790 \ubd80\ub2f4\uc774 \uc801\uc73c\ub098 \ub9cc\uae30 \uc0c1\ud658\uc561\uc774 \ud07c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EC%83%81%ED%99%98_%EC%A0%84%EB%9E%B5\"><\/span>\uc0c1\ud658 \uc804\ub7b5<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\uc0c1\ud658 \uacc4\ud68d\uc744 \uc138\uc6b8 \ub54c\ub294 \uc790\uc2e0\uc758 \uc18c\ub4dd\uacfc \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ucdb0 \uc0c1\ud658 \ubc29\uc2dd\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4, \uc548\uc815\uc801\uc778 \uc18c\ub4dd\uc744 \uac00\uc9c0\uace0 \uc788\ub2e4\uba74 <strong>\uc6d0\uae08 \uade0\ub4f1 \uc0c1\ud658<\/strong>\uc744 \ud1b5\ud574 \uc774\uc790 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc73c\uba70, <\/p>\n\n\n\n<p>\ud604\uae08 \uc720\ub3d9\uc131\uc774 \ud544\uc694\ud55c \uacbd\uc6b0\uc5d0\ub294 <strong>\ub9cc\uae30 \uc77c\uc2dc \uc0c1\ud658<\/strong>\uc744 \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EC%83%81%ED%99%98_%EC%A0%84%EB%9E%B5_%EC%9A%94%EC%95%BD_%ED%91%9C\"><\/span>\uc0c1\ud658 \uc804\ub7b5 \uc694\uc57d \ud45c<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc804\ub7b5<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>\uc18c\ub4dd\uc774 \uc548\uc815\uc801\uc77c \ub54c<\/td><td>\uc6d0\uae08 \uade0\ub4f1 \uc0c1\ud658\uc744 \ud1b5\ud574 \uc774\uc790 \ubd80\ub2f4 \ucd5c\uc18c\ud654<\/td><\/tr><tr><td>\ud604\uae08 \uc720\ub3d9\uc131\uc774 \ud544\uc694\ud560 \ub54c<\/td><td>\ub9cc\uae30 \uc77c\uc2dc \uc0c1\ud658\uc744 \ud1b5\ud574 \ucd08\uae30 \uc0c1\ud658 \ubd80\ub2f4\uc744 \uc904\uc784<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EA%B7%9C%EC%A0%9C%EC%97%90_%EB%94%B0%EB%A5%B8_%EB%8C%80%EC%B6%9C_%ED%95%9C%EB%8F%84%EC%99%80_%EC%A0%84%EB%9E%B5\"><\/span><strong>\uaddc\uc81c\uc5d0 \ub530\ub978 \ub300\ucd9c \ud55c\ub3c4\uc640 \uc804\ub7b5<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2024\ub144\uc5d0\ub3c4 <strong>\ubd80\ub3d9\uc0b0 \uaddc\uc81c<\/strong>\ub294 \ub300\ucd9c \ud55c\ub3c4\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uaddc\uc81c \uc9c0\uc5ed\uc5d0\uc11c\ub294 \ub300\ucd9c\uc774 \uc81c\ud55c\ub420 \uc218 \uc788\uc73c\uba70, \ube44\uaddc\uc81c \uc9c0\uc5ed\uc5d0\uc11c\uc758 \ub300\ucd9c\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \uc790\uc720\ub86d\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\uc5d0 \ub530\ub77c \uaddc\uc81c \uc9c0\uc5ed\uacfc \ube44\uaddc\uc81c \uc9c0\uc5ed\uc744 \uace0\ub824\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EA%B7%9C%EC%A0%9C_%EC%A7%80%EC%97%AD%EA%B3%BC_%EB%B9%84%EA%B7%9C%EC%A0%9C_%EC%A7%80%EC%97%AD_%EB%8C%80%EC%B6%9C_%EB%B9%84%EA%B5%90\"><\/span>\uaddc\uc81c \uc9c0\uc5ed\uacfc \ube44\uaddc\uc81c \uc9c0\uc5ed \ub300\ucd9c \ube44\uad50<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\uaddc\uc81c \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\ube44\uc728(LTV)\uacfc \ucd1d\ubd80\ucc44\uc0c1\ud658\ube44\uc728(DTI)\uc774 \ub354 \uc5c4\uaca9\ud558\uac8c \uc801\uc6a9\ub429\ub2c8\ub2e4. \ud22c\uae30\uacfc\uc5f4\uc9c0\uad6c\ub098 \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed\uc740 \ub300\ucd9c \ud55c\ub3c4\uac00 \uc81c\ud55c\ub418\uba70, \ub2e4\uc8fc\ud0dd\uc790\ub294 \ucd94\uac00 \ub300\ucd9c\uc774 \uc0ac\uc2e4\uc0c1 \ubd88\uac00\ub2a5\ud55c \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EA%B7%9C%EC%A0%9C_%EC%A7%80%EC%97%AD%EA%B3%BC_%EB%B9%84%EA%B7%9C%EC%A0%9C_%EC%A7%80%EC%97%AD_%EB%8C%80%EC%B6%9C_%EB%B9%84%EA%B5%90_%ED%91%9C\"><\/span>\uaddc\uc81c \uc9c0\uc5ed\uacfc \ube44\uaddc\uc81c \uc9c0\uc5ed \ub300\ucd9c \ube44\uad50 \ud45c<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc9c0\uc5ed<\/th><th>LTV \uc81c\ud55c<\/th><th>DTI \uc81c\ud55c<\/th><\/tr><\/thead><tbody><tr><td>\ud22c\uae30\uacfc\uc5f4\uc9c0\uad6c<\/td><td>\ucd5c\ub300 40%<\/td><td>\ucd5c\ub300 40%<\/td><\/tr><tr><td>\uc870\uc815\ub300\uc0c1\uc9c0\uc5ed<\/td><td>\ucd5c\ub300 50%<\/td><td>\ucd5c\ub300 50%<\/td><\/tr><tr><td>\ube44\uaddc\uc81c\uc9c0\uc5ed<\/td><td>\ucd5c\ub300 70%<\/td><td>\ucd5c\ub300 60%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EA%B7%9C%EC%A0%9C%EC%97%90_%EB%94%B0%EB%A5%B8_%EB%8C%80%EC%B6%9C_%EC%A0%84%EB%9E%B5\"><\/span>\uaddc\uc81c\uc5d0 \ub530\ub978 \ub300\ucd9c \uc804\ub7b5<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\uaddc\uc81c \uc9c0\uc5ed\uc5d0\uc11c\ub294 \ub300\ucd9c \ud55c\ub3c4\uac00 \uc81c\ud55c\ub418\uae30 \ub54c\ubb38\uc5d0 \ube44\uaddc\uc81c \uc9c0\uc5ed\uc744 \uc911\uc2ec\uc73c\ub85c \ud22c\uc790\ub97c \uace0\ub824\ud558\ub294 \uac83\uc774 \uc88b\uc740 \uc804\ub7b5\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ube44\uaddc\uc81c \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 LTV\uac00 \uc801\uc6a9\ub418\ubbc0\ub85c, \ucd08\uae30 \uc790\uae08 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%A0%84%EB%9E%B5_%EC%9A%94%EC%95%BD_%ED%91%9C\"><\/span>\ub300\ucd9c \uc804\ub7b5 \uc694\uc57d \ud45c<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc804\ub7b5<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>\uaddc\uc81c \uc9c0\uc5ed<\/td><td>\uc790\uae08 \uc5ec\uc720\uac00 \uc788\ub294 \uacbd\uc6b0 \uc2e4\uc218\uc694\uc790\ub85c \uc8fc\ud0dd \ub9e4\uc785<\/td><\/tr><tr><td>\ube44\uaddc\uc81c \uc9c0\uc5ed<\/td><td>\ub300\ucd9c \ud55c\ub3c4\ub97c \ucd5c\ub300\ud55c \ud65c\uc6a9\ud574 \ud22c\uc790 \uac00\ub2a5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%8B%9C_%EC%A3%BC%EC%9D%98%ED%95%B4%EC%95%BC_%ED%95%A0_%EC%82%AC%ED%95%AD%EA%B3%BC_%EC%A0%88%EC%84%B8_%EC%A0%84%EB%9E%B5\"><\/span><strong>\ub300\ucd9c \uc2dc \uc8fc\uc758\ud574\uc57c \ud560 \uc0ac\ud56d\uacfc \uc808\uc138 \uc804\ub7b5<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc744 \ubc1b\uc744 \ub54c\ub294 \uba87 \uac00\uc9c0 \uc8fc\uc758\ud574\uc57c \ud560 \uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ud2b9\ud788 \ub300\ucd9c \uc870\uac74\uacfc \uc0c1\ud658 \uacc4\ud68d\uc744 \uaf3c\uaf3c\ud788 \uac80\ud1a0\ud558\uc9c0 \uc54a\uc73c\uba74 \uc608\uc0c1\uce58 \ubabb\ud55c \uc7ac\uc815\uc801 \ubd80\ub2f4\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c, \ub300\ucd9c \uad00\ub828 \uc138\uae08 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud55c \uc808\uc138 \uc804\ub7b5\ub3c4 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%8B%9C_%EC%A3%BC%EC%9D%98%EC%82%AC%ED%95%AD\"><\/span>\ub300\ucd9c \uc2dc \uc8fc\uc758\uc0ac\ud56d<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\ub300\ucd9c\uc744 \ubc1b\uc744 \ub54c\ub294 <strong>\uc774\uc790\uc728<\/strong>, <strong>\uc0c1\ud658 \ubc29\uc2dd<\/strong>, <strong>\ub300\ucd9c \uae30\uac04<\/strong>\uc744 \ucda9\ubd84\ud788 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ud2b9\ud788 \ubcc0\ub3d9\uae08\ub9ac\uc758 \uacbd\uc6b0 \uae08\ub9ac \ubcc0\ub3d9\uc5d0 \ub530\ub978 \uc0c1\ud658 \ubd80\ub2f4\uc774 \uc99d\uac00\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \uae08\ub9ac \uc0c1\uc2b9 \uc2dc\uae30\ub97c \uc608\uc0c1\ud558\uace0 \uc900\ube44\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%8B%9C_%EC%A3%BC%EC%9D%98%EC%82%AC%ED%95%AD_%ED%91%9C\"><\/span>\ub300\ucd9c \uc2dc \uc8fc\uc758\uc0ac\ud56d \ud45c<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc8fc\uc758\uc0ac\ud56d<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>\uc774\uc790\uc728 \ube44\uad50<\/td><td>\uace0\uc815\uae08\ub9ac\uc640 \ubcc0\ub3d9\uae08\ub9ac\ub97c \ube44\uad50\ud574 \uc120\ud0dd<\/td><\/tr><tr><td>\uc0c1\ud658 \uacc4\ud68d<\/td><td>\uc790\uc2e0\uc758 \uc18c\ub4dd\uc5d0 \ub9de\ub294 \uc0c1\ud658 \ubc29\uc2dd\uc744 \uc120\ud0dd<\/td><\/tr><tr><td>\ub300\ucd9c \uae30\uac04<\/td><td>\uc7a5\uae30 \ub300\ucd9c\uc77c\uc218\ub85d \uc774\uc790 \ubd80\ub2f4\uc774 \ucee4\uc9c8 \uc218 \uc788\uc74c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EC%A0%88%EC%84%B8_%EC%A0%84%EB%9E%B5\"><\/span>\uc808\uc138 \uc804\ub7b5<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\ub300\ucd9c\uacfc \uad00\ub828\ub41c \uc138\uae08 \ubd80\ub2f4\uc744 \uc904\uc774\uae30 \uc704\ud574\uc11c\ub294 <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc774\uc790\ube44\uc6a9 \uacf5\uc81c<\/strong>\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub610\ud55c, \uc8fc\ud0dd \ubcf4\uc720 \uae30\uac04\uc744 \ub298\ub824 \uc7a5\uae30\ubcf4\uc720\ud2b9\ubcc4\uacf5\uc81c\ub97c \ubc1b\uc744 \uacbd\uc6b0, \uc591\ub3c4\uc18c\ub4dd\uc138 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EA%B4%80%EB%A0%A8_%EC%A0%88%EC%84%B8_%EC%A0%84%EB%9E%B5_%EC%9A%94%EC%95%BD_%ED%91%9C\"><\/span>\ub300\ucd9c \uad00\ub828 \uc808\uc138 \uc804\ub7b5 \uc694\uc57d \ud45c<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc804\ub7b5<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>\uc774\uc790\ube44\uc6a9 \uacf5\uc81c \ud65c\uc6a9<\/td><td>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc774\uc790\ube44\uc6a9\uc744 \uc18c\ub4dd\uc138\uc5d0\uc11c \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\uc74c<\/td><\/tr><tr><td>\uc7a5\uae30\ubcf4\uc720\ud2b9\ubcc4\uacf5\uc81c<\/td><td>\uc8fc\ud0dd \ubcf4\uc720 \uae30\uac04\uc744 \ub298\ub824 \uc591\ub3c4\uc18c\ub4dd\uc138 \ubd80\ub2f4 \uac10\uc18c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\ubd80\ub3d9\uc0b0 \ub300\ucd9c \uc8fc\ud0dd \uad6c\ub9e4\uc640 \ud22c\uc790\uc5d0 \uc788\uc5b4 \uc911\uc694\ud55c \uc790\uae08 \uc870\ub2ec \uc218\ub2e8\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ub300\ucd9c \uc870\uac74\uacfc \uc0c1\ud658 \ubc29\uc2dd\uc744 \uc81c\ub300\ub85c \uc774\ud574\ud558\uc9c0 \ubabb\ud558\uba74 \uc7ac\uc815\uc801\uc778 \ubd80\ub2f4\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub530\ub77c\uc11c \ub300\ucd9c \uc2e0\uccad \uc804 \ucda9\ubd84\ud55c \uc815\ubcf4\ub97c \uc2b5\ub4dd\ud558\uace0, \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ub300\ucd9c \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\ubc88 \uac00\uc774\ub4dc\ub97c \ucc38\uace0\ud574 \uc131\uacf5\uc801\uc778 \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc744 \uc774\ub8e8\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubd80\ub3d9\uc0b0 \ub300\ucd9c \uc5bc\ub9c8\ub098 \uc54c\uace0 \uacc4\uc2e0\uac00\uc694? \ubd80\ub3d9\uc0b0 \ub300\ucd9c \ubd80\ub3d9\uc0b0 \uad6c\ub9e4\ub294 \ub300\ubd80\ubd84\uc758 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc778\uc0dd\uc5d0\uc11c \uac00\uc7a5 \ud070 \ud22c\uc790 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \ub300\ucd9c\uc740 \ud544\uc218\uc801\uc778 \uc790\uae08 \uc870\ub2ec \ubc29\ubc95\uc73c\ub85c \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\ud0dd\uc744 \ub9c8\ub828\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc0c1\ub2f9\ud55c \uc790\ubcf8\uc774 \ud544\uc694\ud558\uae30 \ub54c\ubb38\uc5d0, \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc744 \uc801\uc808\ud558\uac8c \ud65c\uc6a9\ud558\ub294 \uac83\uc740 \uc131\uacf5\uc801\uc778 \uc7ac\uc0b0 \uad00\ub9ac\uc640 \ud22c\uc790\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub300\ucd9c\uc744 \uc798\ubabb \ud65c\uc6a9\ud558\uba74 \ubd88\ud544\uc694\ud55c \uc774\uc790 \ubd80\ub2f4\uc774 \ucee4\uc9c8 \uc218 \uc788\uace0, \ub300\ucd9c&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1728","post","type-post","status-publish","format-standard","hentry","category-1"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\ubd80\ub3d9\uc0b0 \ub300\ucd9c \uc131\uacf5\uc801\uc778 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