{"id":1007,"date":"2023-08-20T20:04:58","date_gmt":"2023-08-20T11:04:58","guid":{"rendered":"https:\/\/11am.i234.me\/itvalley\/?p=1007"},"modified":"2023-09-17T21:35:27","modified_gmt":"2023-09-17T12:35:27","slug":"%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80","status":"publish","type":"post","link":"https:\/\/11am.i234.me\/itvalley\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80\/","title":{"rendered":"[\ub2f4\ubcf4\ub300\ucd9c\/\uc911\ub3c4\uc0c1\ud6580%] \ud544\ub3c5! \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc5d0 \uad00\ud55c \ubaa8\ub4e0 \uac83"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1007\" class=\"elementor elementor-1007\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8b143d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b143d1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e8a7a20\" data-id=\"e8a7a20\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f14989 elementor-widget elementor-widget-text-editor\" data-id=\"8f14989\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.14.0 - 26-06-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><strong>\ube60\ub978 \ub0b4\uc6a9 \ud30c\uc545\uc744 \uc6d0\ud558\uc2dc\ub294 \ubd84\uc740 [\uc26c\uc6b4 \ubaa9\ucc28] \ub610\ub294 [Ctrl+F]\ub97c \ud1b5\ud558\uc5ec \uc815\ubcf4\ub97c \uc5bb\uc5b4\uac00\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b33292 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b33292\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0bea7e\" data-id=\"b0bea7e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eec652f elementor-widget elementor-widget-text-editor\" data-id=\"eec652f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">\ubaa9\ucc28<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-6741917898b2b\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-6741917898b2b\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-visibility-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/11am.i234.me\/itvalley\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80\/#%EC%9A%94%EC%95%BD\" title=\"\uc694\uc57d\">\uc694\uc57d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/11am.i234.me\/itvalley\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80\/#%EC%B9%B4%EC%B9%B4%EC%98%A4%EB%B1%85%ED%81%AC_%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C%EC%9D%80\" title=\"\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740?\">\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/11am.i234.me\/itvalley\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80\/#%EC%8B%9C%EC%A4%91%EC%9D%80%ED%96%89%EA%B3%BC%EC%9D%98_%EC%B0%A8%EB%B3%84%EC%A0%90\" title=\"\uc2dc\uc911\uc740\ud589\uacfc\uc758 \ucc28\ubcc4\uc810\">\uc2dc\uc911\uc740\ud589\uacfc\uc758 \ucc28\ubcc4\uc810<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/11am.i234.me\/itvalley\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80\/#%EC%9D%B4%EB%9F%B0_%EB%B6%84%EB%93%A4%EA%BB%98_%EC%B6%94%EC%B2%9C%ED%95%B4%EC%9A%94\" title=\"\uc774\ub7f0 \ubd84\ub4e4\uaed8 \ucd94\ucc9c\ud574\uc694!\">\uc774\ub7f0 \ubd84\ub4e4\uaed8 \ucd94\ucc9c\ud574\uc694!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/11am.i234.me\/itvalley\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80\/#%EC%9D%B4%EB%9F%B0_%EB%B6%84%EB%93%A4%EA%BB%98%EB%8A%94_%EC%B6%94%EC%B2%9C%ED%95%98%EC%A7%80_%EC%95%8A%EC%95%84%EC%9A%94\" title=\"\uc774\ub7f0 \ubd84\ub4e4\uaed8\ub294 \ucd94\ucc9c\ud558\uc9c0 \uc54a\uc544\uc694!\">\uc774\ub7f0 \ubd84\ub4e4\uaed8\ub294 \ucd94\ucc9c\ud558\uc9c0 \uc54a\uc544\uc694!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/11am.i234.me\/itvalley\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80\/#%EB%8C%80%EC%B6%9C_%EC%8B%A0%EC%B2%AD_%EC%A0%84_%ED%99%95%EC%9D%B8%ED%95%B4%EC%95%BC%ED%95%A0_%EC%82%AC%ED%95%AD\" title=\"\ub300\ucd9c \uc2e0\uccad \uc804 \ud655\uc778\ud574\uc57c\ud560 \uc0ac\ud56d\">\ub300\ucd9c \uc2e0\uccad \uc804 \ud655\uc778\ud574\uc57c\ud560 \uc0ac\ud56d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/11am.i234.me\/itvalley\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80\/#%EA%B8%88%EB%A6%AC_%EB%B0%8F_%EC%9A%B0%EB%8C%80%EC%A0%95%EB%B3%B4\" title=\"\uae08\ub9ac \ubc0f \uc6b0\ub300\uc815\ubcf4\">\uae08\ub9ac \ubc0f \uc6b0\ub300\uc815\ubcf4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/11am.i234.me\/itvalley\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80\/#%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C_%EC%9D%B4%EC%9E%90_%EA%B3%84%EC%82%B0%EA%B8%B0\" title=\"\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc774\uc790 \uacc4\uc0b0\uae30\">\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc774\uc790 \uacc4\uc0b0\uae30<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EC%9A%94%EC%95%BD\"><\/span><strong>\uc694\uc57d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p><strong>\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc758 \uc7a5, \ub2e8\uc810\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/strong><\/p><h3>\uce74\uce74\uc624 \uc8fc\ub2f4\ub300 \uc7a5\uc810:<\/h3><ul><li>\uac70\uce58\uae30\uac04 \ucd5c\ub300 5\ub144<\/li><li>\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc 0%<\/li><li>\ubcc0\ub3d9\/\ud63c\ud569\uae08\ub9ac\ub07c\ub9ac \ube44\uad50 \uc2dc, \ub0ae\uc740 \uae08\ub9ac<\/li><li>\uac04\ud3b8\ud55c \uc2e0\uccad\uacfc \uc11c\ub958 \uc81c\ucd9c<\/li><\/ul><h3>\uce74\uce74\uc624 \uc8fc\ub2f4\ub300 \ub2e8\uc810:<\/h3><ul><li>\uc6b0\ub300\uae08\ub9ac \uc885\ub958\uac00 \ub2e4\uc591\ud558\uc9c0 \uc54a\uc74c.<\/li><li>\uc8fc\ub2f4\ub300 \ub3c4\uc785\uc774 \ucd08\ubc18\uc73c\ub85c \uae08\ub9ac\ubcc0\ub3d9 \uac00\ub2a5\uc131<\/li><li>\ubaa8\ubc14\uc77c \uc11c\ub958 \uc81c\ucd9c\ub85c \uc778\ud55c \ubd88\uc548\uac10<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-193f4cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"193f4cc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cf8ca43\" data-id=\"cf8ca43\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3afc7f0 elementor-widget elementor-widget-text-editor\" data-id=\"3afc7f0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%EC%B9%B4%EC%B9%B4%EC%98%A4%EB%B1%85%ED%81%AC_%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C%EC%9D%80\"><\/span>\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740?<span class=\"ez-toc-section-end\"><\/span><\/h2><p>\ub514\uc9c0\ud138 \uc81c1\uae08\uc735\uad8c\uc778 \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc785\ub2c8\ub2e4. \uae30\uc874\uc5d0 \ubcf4\uc720 \uc911\uc774\uac70\ub098 \uc2e0\uaddc\ub85c \uad6c\uc785\ud560 \ubd80\ub3d9\uc0b0\uc744 \ub2f4\ubcf4\ub85c \ub300\ucd9c\ud574\uc8fc\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4. \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc758 \uae08\ub9ac\ub294 \uc5f0 4.047%~6.811%\ub85c \ub418\uc5b4\uc788\uc73c\uba70, \uac70\uce58\uae30\uac04\uc774 \uc788\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uac00 \uc5c6\ub294 \uc0c1\ud488\uc73c\ub85c \uc2dc\uc911\uc740\ud589\uacfc \uac00\uc7a5 \ud070 \ucc28\ubcc4\uc810\uc774 \uc788\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p><p>\uc774\uc81c\ubd80\ud130 \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc774 \uc5b4\ub5a4 \uc0c1\ud488\uc778\uc9c0 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcfc\uae4c\uc694?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4cf7a6c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4cf7a6c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-adca1b5\" data-id=\"adca1b5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3dc1ad elementor-widget elementor-widget-text-editor\" data-id=\"e3dc1ad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%EC%8B%9C%EC%A4%91%EC%9D%80%ED%96%89%EA%B3%BC%EC%9D%98_%EC%B0%A8%EB%B3%84%EC%A0%90\"><\/span>\uc2dc\uc911\uc740\ud589\uacfc\uc758 \ucc28\ubcc4\uc810<span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"text-decoration: underline;\"><span style=\"color: #ff0000; font-size: 14pt; text-decoration: underline;\"><strong>\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uac00 0%<\/strong><\/span><\/span>\uc778 \uc810\uc785\ub2c8\ub2e4.<\/p><p>\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\ub294 \uc0c1\ud658\uc77c\uae4c\uc9c0 \ubc1c\uc0dd\ud55c \uc774\uc790\uc640 \ud569\uc0b0\ud558\uc5ec \ubd80\uacfc\ub418\ub294 \uc774\uc790\uc785\ub2c8\ub2e4.<\/p><p><strong>2023\ub144 8\uc6d4 20\uc77c \ud604\uc7ac<\/strong>, \uae08\ub9ac \ucd5c\uc800 \uc21c\uc73c\ub85c \uacbd\ub0a8\uc740\ud589\uacfc \ubd80\uc0b0\uc740\ud589, \ub300\uad6c\uc740\ud589\uc778\ub370\uc694.<\/p><p>\uac01 \uc740\ud589\uc758 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\ub294 \uacbd\ub0a8\uc740\ud589 1%, \ubd80\uc0b0\uc740\ud589 1.3%(5\ub144 \ubcc0\ub3d9\uc758 \uacbd\uc6b0 1.5%), \ub300\uad6c\uc740\ud589 \uc5f0 0.9%~1%\uc758 \uc218\uc218\ub8cc\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p><p>\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\ub294 \ub300\ub7b5 \ub300\ucd9c\uae08\uc561 2\uc5b5\uc5d0 \ub300\ud558\uc5ec 30\ub144 \uc911 1\ub144 \uc815\ub3c4 \uc9c0\ub0ac\ub2e4\uba74, 173\ub9cc\uc6d0\uc815\ub3c4 \ub300\ucd9c\uc774\uc790\uc640 \ud568\uaed8 \ubd80\ub2f4\ud558\uc154\uc57c\ud569\ub2c8\ub2e4.<\/p><p><a href=\"https:\/\/search.naver.com\/search.naver?sm=tab_hty.top&amp;where=nexearch&amp;query=%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C+%EA%B3%84%EC%82%B0&amp;oquery=%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C&amp;tqi=iMcckwp0J1ZssdmbBK8sssssstd-351328\"><span style=\"font-size: 14pt; color: #0000ff;\"><em><strong>\ub9c1\ud06c: \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uacc4\uc0b0\uae30 \ubc14\ub85c\uac00\uae30<\/strong><\/em><\/span><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-144382e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"144382e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c46933\" data-id=\"4c46933\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc97266 elementor-widget elementor-widget-text-editor\" data-id=\"dc97266\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%EC%9D%B4%EB%9F%B0_%EB%B6%84%EB%93%A4%EA%BB%98_%EC%B6%94%EC%B2%9C%ED%95%B4%EC%9A%94\"><\/span>\uc774\ub7f0 \ubd84\ub4e4\uaed8 \ucd94\ucc9c\ud574\uc694!<span class=\"ez-toc-section-end\"><\/span><\/h2><ol><li>\ud3c9\uc0dd \uace0\uc815\uae08\ub9ac\ub294 \uc544\ub2c8\uc9c0\ub9cc, \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\ub97c \uc544\ub07c\uace0 \uc2f6\uc73c\uc2e0 \ubd84<\/li><li>2\ucc9c\ub9cc\uc6d0 \uc774\uc0c1 \uc790\uae08\uc774 \ud544\uc694\ud558\uace0, \uc0dd\ud65c \uc548\uc815 \uc790\uae08 \ubc0f \uc794\uae08 \ub300\ucd9c \uae08\uc561\uc774 \uae09\ud558\uc2e0 \ubd84<\/li><li>1\uac1c\uc6d4 \uc774\uc0c1 \uc7ac\uc9c1 \uc785\uc99d\ud560 \uc218 \uc788\ub294 \uadfc\ub85c\uc18c\ub4dd\uc790 \ub610\ub294 \uc0ac\uc5c5\uc18c\ub4dd\uc790(\uc18c\ub4dd\uae08\uc561\uc99d\uba85\uc6d0\uc73c\ub85c \uc785\uc99d)<\/li><li>\uc138\ub300 \ud569\uc0b0\ud558\uc5ec \ubb34\uc8fc\ud0dd~2\uc8fc\ud0dd \uc774\ud558 \uc138\ub300(\uae30\uc874 \uc8fc\ub2f4\ub300 \ubcf4\uc720\uc790 \uc81c\uc678)<\/li><li>5\ub144 \ub0b4 \ubd80\ub3d9\uc0b0 \ub9e4\ub9e4 \uc608\uc815\uc774\uc2e0 \ubd84(\uac70\uce58\uae30\uac04 \ud65c\uc6a9)<\/li><li>\uac70\uce58\uae30\uac04 \ud544\uc694 \uc5c6\uc774 \ub0ae\uc740 \uae08\ub9ac\ub97c \uc6d0\ud558\uc2dc\ub294 \ubd84<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-63c130d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"63c130d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a4a457a\" data-id=\"a4a457a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87d0411 elementor-widget elementor-widget-text-editor\" data-id=\"87d0411\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%EC%9D%B4%EB%9F%B0_%EB%B6%84%EB%93%A4%EA%BB%98%EB%8A%94_%EC%B6%94%EC%B2%9C%ED%95%98%EC%A7%80_%EC%95%8A%EC%95%84%EC%9A%94\"><\/span>\uc774\ub7f0 \ubd84\ub4e4\uaed8\ub294 \ucd94\ucc9c\ud558\uc9c0 \uc54a\uc544\uc694!<span class=\"ez-toc-section-end\"><\/span><\/h2><ol><li>\uc18c\ub4dd\uc785\uc99d\uc774 \uc5b4\ub824\uc6b0\uc2e0 \ubd84<\/li><li>\uae30\uc874 \ub2f4\ubcf4\ub300\ucd9c\uc774 \uc788\uc73c\uc2e0 \ubd84 (\ub2f4\ubcf4\ub300\ucd9c \uc788\ub294 \uac70 \ud655\uc778 \uc989\uc2dc \uc0c1\ud658\ud574\uc57c \ud568)<\/li><li>\uc2e4\uac70\uc8fc \ubaa9\uc801\uc73c\ub85c \uad6c\ub9e4\ud558\uc2dc\ub294 \ubd84 (\ud604\uc7ac \uc2dc\uc7a5\uae08\ub9ac\uc758 \uc774\uc720\ub85c \uc778\ud574 \ube44\ucd94\ucc9c \ub4dc\ub9bd\ub2c8\ub2e4)<\/li><li>2\ucc9c\ub9cc\uc6d0 \ubbf8\ub9cc\uc758 \uc790\uae08\uc774 \ud544\uc694\ud558\uc2e0 \ubd84<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8b288a0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b288a0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-af4af85\" data-id=\"af4af85\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0795c2f elementor-widget elementor-widget-text-editor\" data-id=\"0795c2f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%8B%A0%EC%B2%AD_%EC%A0%84_%ED%99%95%EC%9D%B8%ED%95%B4%EC%95%BC%ED%95%A0_%EC%82%AC%ED%95%AD\"><\/span>\ub300\ucd9c \uc2e0\uccad \uc804 \ud655\uc778\ud574\uc57c\ud560 \uc0ac\ud56d<span class=\"ez-toc-section-end\"><\/span><\/h2><h3>1. \uc2dc\uc138 \ubc0f \ud55c\ub3c4<\/h3><p>\ub300\ubd80\ubd84\uc758 \uc2dc\uc911\uc740\ud589(\uc99d\uad8c, \uc0dd\uba85\ubcf4\ud5d8\uc0ac)\uc740 <span style=\"text-decoration: underline;\"><span style=\"color: #ff0000; font-size: 14pt; text-decoration: underline;\"><strong>KB \ubd80\ub3d9\uc0b0 \uc2dc\uc138<\/strong><\/span><\/span>\ub97c \ub530\ub77c\uac00\uba70, \uc5c6\uc744 \uacbd\uc6b0 \ud55c\uad6d\ubd80\ub3d9\uc0b0\uc6d0\uc758 \ucd5c\uc800\uc640 \ucd5c\uace0 \uc2dc\uc138\uc758 \ud3c9\uade0\uac12\uc744 \ub530\ub77c\uac11\ub2c8\ub2e4. \uc774\ub54c <strong><span style=\"text-decoration: underline;\">KB \ubd80\ub3d9\uc0b0 \uc2dc\uc138\ub294 \ub9e4\uc8fc \uae08\uc694\uc77c\ub9c8\ub2e4 \uc5c5\ub370\uc774\ud2b8\ub418\uc5b4 \ub300\ucd9c \ud55c\ub3c4\uac00 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ub2c8 \ucc38\uace0 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/strong><\/p><h3>2. \ud544\uc694\uc11c\ub958<\/h3><h4>1) \uc2e0\uccad \uc2dc \ubaa8\ubc14\uc77c\ub85c \uc81c\ucd9c<\/h4><table style=\"width: 100%; border-collapse: collapse; border-color: #000000; background-color: #ffffff;\"><tbody><tr><td style=\"width: 100%;\"><p><span style=\"font-size: 14pt;\"><strong>\u2460 \uc7ac\uc9c1\/\uc0ac\uc5c5 \ud655\uc778 \uc11c\ub958 (\uac74\uac15\ubcf4\ud5d8 \uc790\uaca9\ub4dd\uc2e4\ud655\uc778\uc11c\/\ub0a9\ubd80\ud655\uc778\uc11c, \uc0ac\uc5c5\uc790\ub4f1\ub85d\uc99d\uba85\uc6d0 \ub4f1)<\/strong><\/span><\/p><p><span style=\"font-size: 14pt;\"><strong>\u2461 \uc18c\ub4dd\ud655\uc778\uc11c\ub958 (\uc18c\ub4dd\uae08\uc561\uc99d\uba85\uc6d0 \ub4f1)<\/strong><\/span><\/p><p><span style=\"font-size: 14pt;\"><strong>\u2462 \uc8fc\ubbfc\ub4f1\ub85d\ub4f1\/\ucd08\ubcf8<\/strong><\/span><\/p><p><span style=\"font-size: 14pt;\"><strong>\u2463 \uac00\uc871\uad00\uacc4\uc99d\uba85\uc6d0<\/strong><\/span><\/p><\/td><\/tr><\/tbody><\/table><h4>2) \ub9c1\ud06c\ub97c \ud1b5\ud55c \uc11c\ub958 \ucd94\uac00 \uc81c\ucd9c<\/h4><p>\ubaa8\ubc14\uc77c\ub85c \uc2e0\uccad\ud55c \uc774\ud6c4 <span style=\"text-decoration: underline; color: #ff0000; font-size: 14pt;\"><strong>\uce74\uce74\uc624\ubc45\ud06c \uace0\uac1d\uc13c\ud130(02-1599-3333 \ub610\ub294 02-1599-8787)\ub85c \ubd80\ud130 \uc2e0\uccad \uc0ac\uc2e4 \ud655\uc778\uacfc \ucd94\uac00 \uc11c\ub958 \uc81c\ucd9c \uc548\ub0b4<\/strong><\/span>\ub97c \ubc1b\uc740 \uc774\ud6c4 <span style=\"text-decoration: underline;\"><span style=\"color: #ff0000; text-decoration: underline;\"><strong>\ub9c1\ud06c\ub97c \ud1b5\ud55c \uc774\ubbf8\uc9c0 \uc804\uc1a1<\/strong><\/span><\/span>\uc744 \ud558\uc2dc\uba74 \ub418\ub294\ub370\uc694.<\/p><p>\uc774\ub54c \ud544\uc694\ud55c \uc11c\ub958 \uc548\ub0b4\ub4dc\ub9bd\ub2c8\ub2e4.<\/p><table style=\"width: 100%; border-collapse: collapse; border-color: #000000; background-color: #ffffff;\"><tbody><tr><td style=\"width: 100%;\"><p><span style=\"text-decoration: underline; font-size: 14pt;\"><strong>\uc8fc\ud0dd\uad6c\uc785\uc790\uae08\uc758 \uacbd\uc6b0,<\/strong><\/span><\/p><p><span style=\"font-size: 14pt;\">\uacf5\uc778\uc911\uac1c\uc5c5\uc18c\ub97c \ud1b5\ud574 \uccb4\uacb0\ud55c<span style=\"text-decoration: underline;\"><strong> \ub9e4\ub9e4\uacc4\uc57d\uc11c<\/strong><\/span><\/span><\/p><p><span style=\"text-decoration: underline; font-size: 14pt;\"><strong>\uc0dd\ud65c\uc548\uc815\uc790\uae08\uc758 \uacbd\uc6b0,<\/strong><\/span><\/p><p><span style=\"font-size: 14pt;\"><span style=\"text-decoration: underline;\"><strong>\ub4f1\uae30\uad8c\ub9ac\uc99d<\/strong><\/span> (\ubcf4\uc548\uc2a4\ud2f0\ucee4 \uc81c\uac70)<\/span><\/p><p><span style=\"font-size: 14pt;\"><strong>\uc0dd\ud65c\uc548\uc815\uc790\uae08 \uc804\uc138\ubc18\ud658\uc790\uae08\uc758 \uacbd\uc6b0,<\/strong><\/span><\/p><p><span style=\"font-size: 14pt;\"><strong><span style=\"text-decoration: underline;\">\uc784\ub300\ucc28\uacc4\uc57d\uc11c<\/span><\/strong><\/span><\/p><\/td><\/tr><\/tbody><\/table><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a25e878 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a25e878\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c33479\" data-id=\"4c33479\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e32d63f elementor-widget elementor-widget-text-editor\" data-id=\"e32d63f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%EA%B8%88%EB%A6%AC_%EB%B0%8F_%EC%9A%B0%EB%8C%80%EC%A0%95%EB%B3%B4\"><\/span>\uae08\ub9ac \ubc0f \uc6b0\ub300\uc815\ubcf4<span class=\"ez-toc-section-end\"><\/span><\/h2><p>\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc5d0 \ub300\ud55c \uc815\ubcf4\uc785\ub2c8\ub2e4.<\/p><h3>1. \uae08\ub9ac \ud615\ud0dc<\/h3><h4>1) \ubcc0\ub3d9\uae08\ub9ac, \ud63c\ud569\uae08\ub9ac<\/h4><p><strong><span style=\"text-decoration: underline;\">\ubcc0\ub3d9\uae08\ub9ac\uc640 \ud63c\ud569\uae08\ub9ac\ub85c \uad6c\uc131<\/span><\/strong>\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p><p>\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc758 <span style=\"text-decoration: underline; font-size: 14pt; color: #ff0000;\"><strong>\uae08\ub9ac<\/strong><\/span>\ub294 <span style=\"text-decoration: underline; color: #ff0000; font-size: 14pt;\"><strong>\uae30\uc900\uae08\ub9ac\uc640 \uac00\uc0b0\uae08\ub9ac\ub97c \ud569\uc0b0\ud558\uc5ec \uae08\ub9ac\uac00 \ud655\uc815<\/strong><\/span>\ub429\ub2c8\ub2e4.<\/p><ul><li>\ubcc0\ub3d9\uae08\ub9ac: \uc5f0 3.69% (2023.08.20. \uae30\uc900) + \uac00\uc0b0\uae08\ub9ac \uc5f00.357%~3.121%<\/li><li>\ud63c\ud569\uae08\ub9ac: \uac70\uce58\uae30\uac04 5\ub144 \uac04(\uc5f04.411%)+\uac00\uc0b0\uae08\ub9ac \uc5f0-0.369%~2.26%, \uc885\ub8cc \ud6c4 3.690%(6\uac1c\uc6d4) + \uac00\uc0b0\uae08\ub9ac 0.411%~3.491%<\/li><\/ul><p>\ub530\ub77c\uc11c<\/p><ul><li><span style=\"font-size: 14pt; color: #ff0000;\"><strong>\ubcc0\ub3d9\uae08\ub9ac\uc758 \uacbd\uc6b0,<\/strong><\/span> <strong><span style=\"text-decoration: underline;\">\ucd5c\uc800 \uc5f0 4.047%~6.811%\uac00 \uc801\uc6a9<\/span><\/strong><\/li><li><span style=\"color: #ff0000;\"><strong><span style=\"font-size: 14pt;\">\ud63c\ud569\uae08\ub9ac\uc758 \uacbd\uc6b0,<\/span><\/strong><\/span> <strong><span style=\"text-decoration: underline;\">\ucd5c\ucd08 5\ub144\uac04 \uc5f0 4.042%~6.671%<\/span><\/strong>,<span style=\"text-decoration: underline;\"><strong> \uc885\ub8cc \ud6c4 \uc5f0 4.101%~7.181%\uac00 \uc801\uc6a9<\/strong><\/span>\ub429\ub2c8\ub2e4.<\/li><\/ul><p>\uc2dc\uc7a5 \ubcc0\ud654\uc5d0 \ub530\ub77c\uc11c \uae08\ub9ac\ub97c \uc120\ud0dd\ud558\uc154\uc57c \ud558\ub294\ub370\uc694. \uae08\ub9ac\uc5d0 \uad00\ud55c <span style=\"text-decoration: underline;\"><strong><span style=\"color: #0000ff; text-decoration: underline;\">\uc544\ub798\uc758 \ub9c1\ud06c<\/span><\/strong><\/span>\ub97c \ucc38\uace0 \ubc14\ub78d\ub2c8\ub2e4.<\/p><p><a href=\"https:\/\/11am.i234.me\/itvalley\/%ec%a3%bc%eb%8b%b4%eb%8c%80%ea%b8%88%eb%a6%ac%ec%a2%85%eb%a5%98\/\"><em><span style=\"font-size: 14pt;\"><strong><span style=\"color: #0000ff;\">\ub9c1\ud06c: \uc5b4\ub5a4 \uc885\ub958\uc758 \uae08\ub9ac\uac00 \ub098\uc5d0\uac8c \ub9de\ucda4\uc77c\uae4c?<\/span><\/strong><\/span><\/em><\/a><\/p><p><em><strong>\uae08\ub9ac\uac00 \uc624\ub974\uace0 \uc788\ub294 \uc2dc\uc7a5<\/strong><\/em>\uc774\uae30 \ub54c\ubb38\uc5d0 \ub9cc\uae30\uae4c\uc9c0\uc758 \uae08\ub9ac\uac00 \uc77c\uc815\ud55c <em><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/strong><\/em>\uc774 \uc544\ubb34\ub798\ub3c4 \uc88b\uc73c\ub098 \uac70\uce58\uae30\uac04\uc774 \uc5c6\ub294 \ub2e8\uc810\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc774\uc5d0 \ubc18\ud574 <strong>\uce74\uce74\uc624\ubc45\ud06c\ub294 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uc5d0 \ub300\ud55c \ud2b9 \uc7a5\uc810\uc774 \uc874\uc7ac<\/strong>\ud569\ub2c8\ub2e4.<\/p><p>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc5d0 \uad00\ud55c \ub0b4\uc6a9\uc740 \uc544\ub798\uc758 \ub9c1\ud06c\ub97c \ucc38\uace0 \ubc14\ub78d\ub2c8\ub2e4.<\/p><p><strong><a href=\"https:\/\/11am.i234.me\/itvalley\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a01%ed%8e%b8\/\"><span style=\"color: #0000ff; font-size: 14pt;\"><em>\ub9c1\ud06c: \ub9cc\uae30\uae4c\uc9c0 \ub611\uac19\uc740 \uae08\ub9ac\uc778 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/em><\/span><\/a><\/strong><\/p><p><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/11am.i234.me\/itvalley\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a02%ed%8e%b8\/\"><strong><span style=\"font-size: 14pt;\"><em>\ub9c1\ud06c: \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc18c\uc694\uae30\uac04\uc740 \uc5bc\ub9c8\ub098?<\/em><\/span><\/strong><\/a><\/span><\/p><p>\uadf8\ub807\uc9c0\ub9cc, \uac70\uce58\uae30\uac04\uc774 \ud544\uc694\ud558\uace0, \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uac00 \uc5c6\ub294 \uc0c1\ud488\uc740 \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc758 \ud63c\ud569\uae08\ub9ac \uc120\ud0dd\ud558\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p><p>\uc704\uc5d0\uc11c \uc5b8\uae09\ud55c \ubc14\uc640 \uac19\uc774 \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \uae08\ub9ac\uac00 \uc5f0 4.047%\ubd80\ud130 7.181% \uad6c\uac04\uc73c\ub85c \uaddc\uc815\ub418\uc5b4 \uc788\uae30 \ub54c\ubb38\uc5d0<span style=\"font-size: 14pt;\"> <strong><span style=\"color: #ff0000;\"><span style=\"text-decoration: underline;\">\uc6b0\ub300\uae08\ub9ac \uc0ac\ud56d<\/span><\/span><\/strong><\/span>\uc744 \uaf2d \ud655\uc778\ud574\uc57c \ud558\ub294\ub370\uc694.<\/p><h3>2. \uc6b0\ub300\uae08\ub9ac<\/h3><p>\uc6b0\ub300\uae08\ub9ac\ub294 \ub2f4\ubcf4\ub300\ucd9c \uc720\ud615\uc5d0 \ub530\ub77c \uad6c\ubd84\ub429\ub2c8\ub2e4.<\/p><p>\u25a0 \uc8fc\ud0dd\uad6c\uc785\uc790\uae08<\/p><ul><li>\uc0dd\uc560 \ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785 0.3%<\/li><li>\uce74\uce74\uc624\ubc45\ud06c \uc804\uc6d4\uc138\ubcf4\uc99d\uae08 \ub300\ucd9c \uc774\uc6a9\uae30\uac04 1\ub144 \uc774\uc0c1 0.2%<\/li><li>\uac70\uce58\uae30\uac04 \uc5c6\uc74c 0.2%<\/li><\/ul><p>\u25a0 \uc0dd\ud65c\uc548\uc815\uc790\uae08<\/p><ul><li>\ub2e4\ub978 \uae08\uc735\uae30\uad00 \ub300\ucd9c\uc0c1\ud658 \uc6a9\ub3c4 0.3%<\/li><li>\uac70\uce58\uae30\uac04 \uc5c6\uc74c 0.2%<\/li><\/ul><p>\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300 \uc0c1\ud488\uc740 <strong><span style=\"text-decoration: underline;\">\uac70\uce58\uae30\uac04\uc774 \uc5c6\uc73c\uba74, \uc6b0\ub300\uae08\ub9ac\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-438dfff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"438dfff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-103320e\" data-id=\"103320e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c749926 elementor-widget elementor-widget-text-editor\" data-id=\"c749926\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C_%EC%9D%B4%EC%9E%90_%EA%B3%84%EC%82%B0%EA%B8%B0\"><\/span>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc774\uc790 \uacc4\uc0b0\uae30<span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"text-decoration: underline;\"><strong>\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uac00 \uc5c6<\/strong><\/span>\uae30 \ub54c\ubb38\uc5d0, \ud604\uc7ac\uc758 \uc774\uc790\uc728\uacfc \ud568\uaed8<span style=\"text-decoration: underline;\"><strong> \ucd08\uc77c\uc0b0\uc785, \ub9d0\uc77c\ubd88\uc0b0\uc785<\/strong><\/span>\uc744 \ud1b5\ud558\uc5ec \uacc4\uc0b0\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p><p><script>\nfunction calculateLoan() {\nconst loanAmount = parseFloat(document.getElementById('loan-amount').value);\nconst interestRate = parseFloat(document.getElementById('interest-rate').value) \/ 100 \/ 12;\nconst repaymentPeriod = parseFloat(document.getElementById('repayment-period').value);\nconst gracePeriod = parseFloat(document.getElementById('grace-period').value);\n\nconst monthlyPayment = (loanAmount * interestRate\/100 * Math.pow((1 + interestRate\/100), (repaymentPeriod - gracePeriod))) \/ (Math.pow((1 + interestRate\/100), (repaymentPeriod - gracePeriod)) - 1);\nconst totalPayment = monthlyPayment * (repaymentPeriod - gracePeriod);\n\ndocument.getElementById('monthly-payment').innerHTML = '\uc6d4 \uc0c1\ud658\uae08\uc561: ' + monthlyPayment.toLocaleString('en-US') + '\uc6d0';\ndocument.getElementById('total-payment').innerHTML = '\ucd1d \uc0c1\ud658\uae08\uc561: ' + totalPayment.toLocaleString('en-US') + '\uc6d0';\n}\n\ndocument.addEventListener('DOMContentLoaded', function() {\ndocument.getElementById('calculate-btn').addEventListener('click', calculateLoan);\n});\n<\/script><\/p><p><label for=\"loan-amount\">\ub300\ucd9c \uc6d0\uae08<\/label><br \/><input id=\"loan-amount\" type=\"number\" placeholder=\"\ub300\ucd9c \uc6d0\uae08\uc744 \uc785\ub825\ud558\uc138\uc694\" \/><\/p><p><label for=\"interest-rate\">\uc5f0 \uc774\uc790\uc728<\/label><br \/><input id=\"interest-rate\" type=\"number\" placeholder=\"\uc5f0 \uc774\uc790\uc728\uc744 \uc785\ub825\ud558\uc138\uc694\" \/><\/p><p><label for=\"repayment-period\">\uc0c1\ud658 \uae30\uac04 (\uc6d4)<\/label><br \/><input id=\"repayment-period\" type=\"number\" placeholder=\"\uc0c1\ud658 \uae30\uac04\uc744 \uc785\ub825\ud558\uc138\uc694\" \/><\/p><p><label for=\"grace-period\">\uac70\uce58 \uae30\uac04 (\uac1c\uc6d4)<\/label><br \/><input id=\"grace-period\" type=\"number\" placeholder=\"\uac70\uce58 \uae30\uac04\uc744 \uc785\ub825\ud558\uc138\uc694\" \/><\/p><p><button id=\"calculate-btn\">\uacc4\uc0b0\ud558\uae30<\/button><\/p><div><p id=\"monthly-payment\">\uc6d4 \uc0c1\ud658\uae08\uc561 :<\/p><p id=\"total-payment\">\ucd1d \uc0c1\ud658\uae08\uc561 :<\/p><\/div><p>\ub300\ucd9c\uae08 4\uc5b5\uc6d0, 50\ub144 \ub9cc\uae30, \uc774\uc728 4.047% \uc870\uac74 \ud558\uc5d0 \uc704\ub97c \ud1b5\ud558\uc5ec \uacc4\uc0b0\ub41c \ub0b4\uc6a9\uc785\ub2c8\ub2e4.<\/p><p><span style=\"text-decoration: underline;\"><strong>\uac70\uce58\uae30\uac04\uc774 \uc5c6\ub294 \uacbd\uc6b0,<\/strong><\/span><\/p><p>\uc6d0\ub9ac\uae08\uc740 1\uac1c\uc6d4 2,041,538\uc6d0, 2\uac1c\uc6d4 2,039,246\uc6d0, 3\uac1c\uc6d4 2,036,955\uc6d0<\/p><p><span style=\"text-decoration: underline;\"><strong>\uac70\uce58\uae30\uac04\uc774 \uc788\ub294 \uacbd\uc6b0<\/strong><\/span>,<\/p><p>5\ub144 \uac04 1,374,871\uc6d0\ub85c \uacc4\uc0b0\ub429\ub2c8\ub2e4.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\ube60\ub978 \ub0b4\uc6a9 \ud30c\uc545\uc744 \uc6d0\ud558\uc2dc\ub294 \ubd84\uc740 [\uc26c\uc6b4 \ubaa9\ucc28] \ub610\ub294 [Ctrl+F]\ub97c \ud1b5\ud558\uc5ec \uc815\ubcf4\ub97c \uc5bb\uc5b4\uac00\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uc694\uc57d \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc758 \uc7a5, \ub2e8\uc810\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uce74\uce74\uc624 \uc8fc\ub2f4\ub300 \uc7a5\uc810: \uac70\uce58\uae30\uac04 \ucd5c\ub300 5\ub144 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc 0% \ubcc0\ub3d9\/\ud63c\ud569\uae08\ub9ac\ub07c\ub9ac \ube44\uad50 \uc2dc, \ub0ae\uc740 \uae08\ub9ac \uac04\ud3b8\ud55c \uc2e0\uccad\uacfc \uc11c\ub958 \uc81c\ucd9c \uce74\uce74\uc624 \uc8fc\ub2f4\ub300 \ub2e8\uc810: \uc6b0\ub300\uae08\ub9ac \uc885\ub958\uac00 \ub2e4\uc591\ud558\uc9c0 \uc54a\uc74c. \uc8fc\ub2f4\ub300 \ub3c4\uc785\uc774 \ucd08\ubc18\uc73c\ub85c \uae08\ub9ac\ubcc0\ub3d9 \uac00\ub2a5\uc131 \ubaa8\ubc14\uc77c \uc11c\ub958 \uc81c\ucd9c\ub85c \uc778\ud55c \ubd88\uc548\uac10 \uce74\uce74\uc624\ubc45\ud06c &#8230; <a title=\"[\ub2f4\ubcf4\ub300\ucd9c\/\uc911\ub3c4\uc0c1\ud6580%] \ud544\ub3c5! \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc5d0 \uad00\ud55c \ubaa8\ub4e0 \uac83\" class=\"read-more\" href=\"https:\/\/11am.i234.me\/itvalley\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%a3%bc%eb%8b%b4%eb%8c%80\/\" aria-label=\"More on [\ub2f4\ubcf4\ub300\ucd9c\/\uc911\ub3c4\uc0c1\ud6580%] \ud544\ub3c5! \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc5d0 \uad00\ud55c \ubaa8\ub4e0 \uac83\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":1014,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-variety-of-low-interest-loan-products-and-goverment-policy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.10 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>[\ub2f4\ubcf4\ub300\ucd9c\/\uc911\ub3c4\uc0c1\ud6580%] \ud544\ub3c5! \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc5d0 \uad00\ud55c \ubaa8\ub4e0 \uac83 - \uc787\ubc38\ub9ac \ud83d\udce6<\/title>\n<meta name=\"description\" content=\"\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 \uc2dc\uc911\uc740\ud589\uacfc \ube44\uad50\ud558\uc5ec \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uac00 \uc5c6\uc73c\uba70, \ubcc0\ub3d9\uae08\ub9ac\uc640 \ud63c\ud569\uae08\ub9ac \ub458 \uc911 \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\ub9ac\uac00 \uc624\ub974\uace0 \uc788\ub294 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uac70\uce58\uae30\uac04\uc774 \uc5c6\ub294 \ud63c\ud569\uae08\ub9ac\ub97c \ucd94\ucc9c\ud569\ub2c8\ub2e4. \uc6b0\ub300\uae08\ub9ac\ub294 \ub300\ucd9c \uc720\ud615\uc5d0 \ub530\ub77c \ub2e4\ub974\uba70, \ucd5c\uc800 \uc5f0 4.047%\ubd80\ud130\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/11am.i234.me\/itvalley\/\uce74\uce74\uc624\ubc45\ud06c\uc8fc\ub2f4\ub300\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[\ub2f4\ubcf4\ub300\ucd9c\/\uc911\ub3c4\uc0c1\ud6580%] \ud544\ub3c5! \uce74\uce74\uc624\ubc45\ud06c \uc8fc\ub2f4\ub300\uc5d0 \uad00\ud55c \ubaa8\ub4e0 \uac83 - \uc787\ubc38\ub9ac \ud83d\udce6\" \/>\n<meta property=\"og:description\" content=\"\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 \uc2dc\uc911\uc740\ud589\uacfc \ube44\uad50\ud558\uc5ec \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uac00 \uc5c6\uc73c\uba70, \ubcc0\ub3d9\uae08\ub9ac\uc640 \ud63c\ud569\uae08\ub9ac \ub458 \uc911 \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\ub9ac\uac00 \uc624\ub974\uace0 \uc788\ub294 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uac70\uce58\uae30\uac04\uc774 \uc5c6\ub294 \ud63c\ud569\uae08\ub9ac\ub97c \ucd94\ucc9c\ud569\ub2c8\ub2e4. \uc6b0\ub300\uae08\ub9ac\ub294 \ub300\ucd9c \uc720\ud615\uc5d0 \ub530\ub77c \ub2e4\ub974\uba70, \ucd5c\uc800 \uc5f0 4.047%\ubd80\ud130\" \/>\n<meta property=\"og:url\" content=\"https:\/\/11am.i234.me\/itvalley\/\uce74\uce74\uc624\ubc45\ud06c\uc8fc\ub2f4\ub300\/\" \/>\n<meta property=\"og:site_name\" content=\"\uc787\ubc38\ub9ac \ud83d\udce6\" \/>\n<meta property=\"article:published_time\" 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