{"id":617,"date":"2023-08-09T00:14:58","date_gmt":"2023-08-08T15:14:58","guid":{"rendered":"https:\/\/11am.i234.me\/itvalley\/?p=617"},"modified":"2023-09-17T20:54:27","modified_gmt":"2023-09-17T11:54:27","slug":"%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a01%ed%8e%b8","status":"publish","type":"post","link":"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\/","title":{"rendered":"[\ub2f4\ubcf4\ub300\ucd9c] \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc0c1\ub2f4\uafc0\ud301, \uc911\ub3c4\uc0c1\ud658, \uac70\uce58\uae30\uac04, \ud55c\ub3c4\uc18c\uc9c4?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"617\" class=\"elementor elementor-617\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65e7667 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65e7667\" 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-b767489\" data-id=\"b767489\" 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-9ff23cc elementor-widget elementor-widget-text-editor\" data-id=\"9ff23cc\" 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><span style=\"color: #000000;\">\uc800 <span style=\"font-size: 14pt; color: #993300;\"><em><strong>\uc787\ubc38\ub9ac<\/strong><\/em><\/span>\uac00 \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uace0\ub824\ud558\uc2dc\ub294 \ubd84\ub4e4\uc744 \uc704\ud55c \uc544\uc8fc \uc720\uc6a9\ud55c \uc815\ubcf4\uac00 \ub2f4\uae34 \uc774\ubc88 \uae00! \ucd5c\uadfc \uae30\ud68c\uac00 \ub418\uc5b4 \uc870\uc0ac\ud55c <span style=\"font-size: 14pt; color: #ff0000;\"><strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uad00\ub828 \ub0b4\uc6a9\uc744 \uacf5\uc720<\/strong><\/span>\ud574 \ub4dc\ub9bd\ub2c8\ub2e4. <span style=\"text-decoration: underline;\"><strong>\ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac(HF)\uc5d0\uc11c \uc9c1\uc811 \ud655\uc778<\/strong><\/span>\ud558\uace0, <strong><span style=\"text-decoration: underline;\">\uc2dc\uc911 \uc740\ud589 \uc138 \uacf3<\/span><\/strong>\uc744 \ub2e4\ub140\uc628 \uc800\ub9cc\uc758 \uc18c\uc911\ud55c \uacbd\ud5d8\uc744 \uc0b4\ub824, <span style=\"text-decoration: underline;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc758 \uc5c5\ubb34\ucc98\ub9ac\uae30\uc900\uacfc \uc740\ud589 \uc0c1\ub2f4\uc5d0 \ub530\ub978 \uaf2d \uc54c\uc544 \ub450\uc5b4\uc57c \ud560 \uc0ac\ud56d<\/strong><\/span>\ub4e4\uc744 \uc804\ud574\ub4dc\ub9bd\ub2c8\ub2e4. \ub354 \ub098\uc544\uac00, <span style=\"text-decoration: underline;\"><strong>\ub514\ub524\ub3cc\ub300\ucd9c\uacfc \uc77c\ubc18 \uc8fc\ub2f4\ub300 \uc911 \uc5b4\ub5a4 \uac83\uc744 \uc120\ud0dd\ud574\uc57c \ud560\uc9c0 \ud568\uaed8 \ube44\uad50<\/strong><\/span>\ud574 \ub4dc\ub9ac\ub2c8, \ub193\uce58\uc9c0 \ub9c8\uc138\uc694!<\/span><\/p>\n<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-6a05abc201ddf\" 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-6a05abc201ddf\"><\/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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a01%ed%8e%b8\/#%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%9E%80\" title=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub780?\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub780?<\/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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a01%ed%8e%b8\/#%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC_%EC%86%8C%EC%9A%94%EA%B8%B0%EA%B0%84\" title=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac \uc18c\uc694\uae30\uac04\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac \uc18c\uc694\uae30\uac04<\/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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a01%ed%8e%b8\/#%EA%B1%B0%EC%B9%98%EA%B8%B0%EA%B0%84_%EA%B0%80%EB%8A%A5_%EC%97%AC%EB%B6%80\" title=\"\uac70\uce58\uae30\uac04 \uac00\ub2a5 \uc5ec\ubd80\">\uac70\uce58\uae30\uac04 \uac00\ub2a5 \uc5ec\ubd80<\/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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a01%ed%8e%b8\/#%ED%95%9C%EB%8F%84%EC%A1%B0%ED%9A%8C%EC%8B%9C%EC%84%B8%EC%A1%B0%ED%9A%8C_%EB%B0%94%EB%A1%9C%EA%B0%80%EA%B8%B0\" title=\"\ud55c\ub3c4\uc870\ud68c(\uc2dc\uc138\uc870\ud68c) \ubc14\ub85c\uac00\uae30\">\ud55c\ub3c4\uc870\ud68c(\uc2dc\uc138\uc870\ud68c) \ubc14\ub85c\uac00\uae30<\/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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a01%ed%8e%b8\/#%EA%B8%88%EB%A6%AC\" title=\"\uae08\ub9ac\">\uae08\ub9ac<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" 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\/#%EC%9A%B0%EB%8C%80%EA%B8%88%EB%A6%AC\" title=\"\uc6b0\ub300\uae08\ub9ac\">\uc6b0\ub300\uae08\ub9ac<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" 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\/#%EA%B0%80%EC%82%B0%EA%B8%88%EB%A6%AC\" title=\"\uac00\uc0b0\uae08\ub9ac\">\uac00\uc0b0\uae08\ub9ac<\/a><\/li><\/ul><\/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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a01%ed%8e%b8\/#%EC%A1%B0%EA%B8%B0%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C\" title=\"(\uc870\uae30)\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\">(\uc870\uae30)\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" 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\/#%EC%8B%A0%EC%B2%AD_%EC%8B%9C_%ED%95%84%EC%9A%94%EC%84%9C%EB%A5%98\" title=\"\uc2e0\uccad \uc2dc, \ud544\uc694\uc11c\ub958\">\uc2e0\uccad \uc2dc, \ud544\uc694\uc11c\ub958<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" 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\/#%EA%B8%B0%EC%A3%BC%ED%83%9D%EC%9E%90%EB%A5%BC_%EC%9C%84%ED%95%9C_%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C_%EC%9C%A0%ED%95%9C%EC%B1%85%EC%9E%84_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0\" title=\"\uae30\uc8fc\ud0dd\uc790\ub97c \uc704\ud55c \ub2f4\ubcf4\ub300\ucd9c_ \uc720\ud55c\ucc45\uc784 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\">\uae30\uc8fc\ud0dd\uc790\ub97c \uc704\ud55c \ub2f4\ubcf4\ub300\ucd9c_ \uc720\ud55c\ucc45\uc784 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%9E%80\"><\/span>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub780?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"color: #000000;\">\uc774 \uae00\uc5d0\uc11c \ub2e4\ub8e8\ub294 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc778 <span style=\"font-size: 14pt; color: #ff0000;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/strong><\/span>\uc740 \uc18c\ub4dd \uc81c\ud55c \uc5c6\uc774 \ub9cc 19\uc138 \uc774\uc0c1\uc758 \uc131\ub144\uc5d0\uac8c \uc81c\uacf5\ub418\ub294 <span style=\"color: #ff0000;\"><strong>\uace0\uc815\uae08\ub9ac<\/strong><\/span>(\uc5f0 4.1%~4.5%) \uc0c1\ud488\uc774\uba70, \uc8fc\ud0dd\ub3c4\uc2dc\uae30\uae08(HF)\uc744 \ud1b5\ud574 \uc81c\uacf5\ub429\ub2c8\ub2e4. <span style=\"color: #0000ff;\"><em><strong>2023\ub144 7\uc6d4 \uae30\uc900\uc73c\ub85c \uc774 \ub300\ucd9c \uc0c1\ud488\uc758 \ud55c\ub3c4\ub294 \uc57d 70~80%\ub85c \uc18c\uc9c4<\/strong><\/em><\/span>\ub418\uc5b4 \uc788\uc5b4,<strong><span style=\"color: #0000ff;\"><em> \ube60\ub978 \uc2dc\uc77c \ub0b4\uc5d0 \uc2e0\uccad\uc744 \uad8c\uc7a5<\/em><\/span><\/strong>\ub4dc\ub9bd\ub2c8\ub2e4. \uc6d0\ub798 SC\uc81c\uc77c\uc740\ud589 \ubc0f \uae30\uc5c5\uc740\ud589\ub9cc <strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860-t<\/strong>\ub97c \ucde8\uae09\ud588\uc9c0\ub9cc, <strong><span style=\"color: #0000ff;\"><em>2023\ub144 7\uc6d4 30\uc77c\ubd80\ud130 \ubaa8\ub4e0 \uc740\ud589\uc5d0\uc11c \uc774 \uc0c1\ud488\uc744 \uc81c\uacf5\ud55c\ub2e4\uace0 \ud569\ub2c8\ub2e4.<\/em><\/span><\/strong> \uc774 \uc810\uc744 \ucc38\uace0\ud558\uc2dc\uba74 \uc88b\uaca0\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>\ub0b4\uc6a9\uc744 \ub354 \ube60\ub974\uac8c \uc54c\uace0 \uc2f6\uc73c\uc2e0 \ubd84\uc740<strong> [\uc26c\uc6b4 \ubaa9\ucc28] \ub610\ub294 [Ctrl+F]\ub97c \ud65c\uc6a9<\/strong>\ud558\uc2dc\uc5ec \uc815\ubcf4\ub97c \ucc3e\uc73c\uc2dc\uae30 \ubc14\ub78d\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-91974a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"91974a3\" 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-cef4e0e\" data-id=\"cef4e0e\" 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-0d4aa67 elementor-widget elementor-widget-text-editor\" data-id=\"0d4aa67\" 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=\"%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC_%EC%86%8C%EC%9A%94%EA%B8%B0%EA%B0%84\"><\/span><span style=\"color: #000000;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac \uc18c\uc694\uae30\uac04<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"color: #000000;\">\uc800 <strong>\uc787\ubc38\ub9ac<\/strong>\uc758 \uae00\uc744 \uc77d\uc73c\uc2e0\ub2e4\uba74, <strong>\uc794\uae08\uc77c\uc774 \uc5bc\ub9c8 \ub0a8\uc9c0 \uc54a\uc740<\/strong> \uc5ec\ub7ec\ubd84\ub4e4\ub3c4 \uc2e0\uc18d\ud558\uac8c \ub300\ucd9c \uc808\ucc28\ub97c \uc9c4\ud589\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \uba3c\uc800, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc5c5\ubb34\ucc98\ub9ac \uae30\uc900\uc744 \uc0b4\ud3b4\ubcf4\uba74, \ub300\ucd9c \uc2e0\uccad \ud6c4 60\uc77c \uc774\ub0b4\ub85c \ucc98\ub9ac\uac00 \uc774\ub8e8\uc5b4\uc838\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c, \ucc98\ub9ac\uc77c \uae30\uc900\uc73c\ub85c 30\uc77c \uc774\ub0b4\uc5d0 \uc2e4\ud589\uc774 \uac00\ub2a5\ud574\uc57c \ud558\ub294 \uaddc\uc815\uc774 \uba85\uc2dc\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. <\/span><\/p>\n<p><span style=\"color: #000000;\">\uadf8\ub7ec\ubbc0\ub85c <strong><span style=\"color: #ff0000; font-size: 14pt;\">\uc794\uae08\uc77c\uc774 \uc5bc\ub9c8 \ub0a8\uc9c0 \uc54a\uc740 \ubd84\ub4e4\uc740 \uc900\ube44\ud574\uc57c \ud560 \uc11c\ub958\ub97c \ube60\ub974\uac8c \ub9c8\ub828\ud55c \ub4a4, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac \uc544\ub08ce\ub97c \ud1b5\ud574 \ucd5c\ub300\ud55c \ube68\ub9ac \uc2e0\uccad<\/span><\/strong>\ud574\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860-t\ub85c \uc2e0\uccad\ud558\ub824\uace0 \ud558\ub2c8, \uc5b4\ucc28\ud53c \uc740\ud589\ub3c4 \uac04\ub2e8\ud55c \uc11c\ub958 \uc811\uc218 \uc774\ud6c4\uc5d0 HF\uc5d0 \uc2b9\uc778\uc744 \uc62c\ub824\uc57c \ud55c\ub2e4\uace0, <strong><span style=\"text-decoration: underline;\">\uc544\ub08ce\ub97c \ucd94\ucc9c<\/span><\/strong>\ud574\uc8fc\uc168\ub2e4. \ub610, \uc740\ud589\uc5d0 \uc794\uae08\uc77c\uae4c\uc9c0 35\uc77c\uc774 \ub0a8\uc558\ub2e4\uace0 \ud558\ub2c8, \ub0b4\ubd80\uc801\uc73c\ub85c 30\uc77c\uc774\ub0b4\uc758 \ub300\ucd9c\uc740 \uc2e0\uccad \ubc1b\uc9c0 \ubabb\ud55c\ub2e4\uace0 \ud1b5\ubcf4\ubc1b\uae30\ub3c4 \ud558\uc600\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"color: #000000;\">\uadf8\ub798\uc11c <strong><span style=\"color: #ff0000;\">\ud574\uacb0\ubc29\uc548\uc744 \ucc3e\uc740 \uac8c<\/span><\/strong>, HF \ub2f4\ub2f9 \uc5c5\ubb34\ud300\uacfc \ud1b5\ud654 \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, \uc794\uae08\uc77c\uae4c\uc9c0 \uc57d<strong><span style=\"color: #ff0000;\"> 30\uc77c\uc774 \ub0a8\uc558\ub2e4\uba74<\/span><\/strong> HF\uce21\uc5d0\uc11c \uc2e0\uc18d\ud55c \uc2b9\uc778 \ubc0f \uc2e4\ud589\uc744 \ucd5c\ub300\ud55c \ub3d5\uaca0\ub2e4\uace0 \ud558\uc600\uc9c0\ub9cc, \uc644\uc804\ud55c \ud655\ub2f5\uc740 \uc5b4\ub835\ub2e4\uace0 \uc804\ud588\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc2e0\uccad\uc790\ub4e4\uc774 \ub300\ucd9c \uc808\ucc28\ub97c \uc870\uc18d\ud788 \uc9c4\ud589\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\uba70, \ud544\uc694 \uc11c\ub958 \ub4f1\uc758 \uc900\ube44\uac00 \uc624\ub798 \uac78\ub9b4 \uacbd\uc6b0 \uc77c\ucc0d \uc2dc\uc791\ud558\ub294 \uac83\uc774 \uc88b\uaca0\uc2b5\ub2c8\ub2e4. <\/span><\/p>\n<p><span style=\"color: #000000;\"><span style=\"font-size: 14pt;\"><strong>\ub9c8\uc9c0\ub9c9\uc73c\ub85c,<\/strong><\/span> <span style=\"color: #ff0000;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/strong><\/span>\uc744 \uc2e0\uccad\ud558\uace0\uc790 \ud558\ub294 \ubd84\ub4e4\uc740 \uc704\uc758 \ub0b4\uc6a9\uc744 \uae30\uc5b5\ud558\uc2dc\uace0 \uc2e0\uc18d\ud55c \ub300\ucd9c \ucc98\ub9ac\ub97c \uc704\ud574 \ube60\ub974\uac8c \uc11c\ub958 \uc900\ube44 \ubc0f \uc2e0\uccad\uc744 \uc9c4\ud589\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p>\n<p><strong><span style=\"color: #000000;\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac \uc544\ub08ce\uc640 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac-t \uc720\ud615\uc758 \ube44\uad50\ub294 \ucd94\ud6c4 \uc5c5\ub85c\ub4dc \uc608\uc815\uc785\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-14c9908 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14c9908\" 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-8ae1dfb\" data-id=\"8ae1dfb\" 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-bb4b0c5 elementor-widget elementor-widget-text-editor\" data-id=\"bb4b0c5\" 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%B1%B0%EC%B9%98%EA%B8%B0%EA%B0%84_%EA%B0%80%EB%8A%A5_%EC%97%AC%EB%B6%80\"><\/span><span style=\"color: #000000;\"><strong>\uac70\uce58\uae30\uac04 \uac00\ub2a5 \uc5ec\ubd80<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-652\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uac70\uce58\uae30\uac04-\uad00\ub828-\ub0b4\uc6a9.png?resize=522%2C312&#038;ssl=1\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uac70\uce58\uae30\uac04\" width=\"522\" height=\"312\" data-recalc-dims=\"1\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uac70\uce58\uae30\uac04-\uad00\ub828-\ub0b4\uc6a9.png?w=522&amp;ssl=1 522w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uac70\uce58\uae30\uac04-\uad00\ub828-\ub0b4\uc6a9.png?resize=300%2C179&amp;ssl=1 300w\" sizes=\"auto, (max-width: 522px) 100vw, 522px\" \/><\/p>\n<p><span style=\"color: #000000;\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 <span style=\"font-size: 14pt; color: #ff0000;\"><strong>\uac70\uce58\uae30\uac04<\/strong><\/span>\uc5d0 \uad00\ud55c \uc815\ubcf4\ub97c \uc798 \uc774\ud574\ud558\uba74 \uc6b0\ub9ac\uc758 \ub300\ucd9c \uc120\ud0dd\uc5d0 \ub354 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. <strong><span style=\"text-decoration: underline;\">\ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac \ud648\ud398\uc774\uc9c0<\/span><\/strong>\uc5d0\uc11c \uacf5\uac1c\ud55c \uc5c5\ubb34\ucc98\ub9ac \uae30\uc900\uc744 \uc0b4\ud3b4\ubcf4\uba74, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 <span style=\"font-size: 14pt;\"><strong><span style=\"text-decoration: underline;\"><span style=\"color: #ff0000; text-decoration: underline;\">\uac70\uce58\uae30\uac04\uc774 \uc5c6\uc74c<\/span><\/span><\/strong><\/span>\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucc98\uc74c\uc5d0\ub294 \uc77c\ubc18 \ubcf4\uae08\uc790\ub9ac\ub860 \uc5c5\ubb34\ucc98\ub9ac \uae30\uc900\uc744 \ubcf4\uace0 \uac70\uce58\uae30\uac04\uc774 <strong>\ucd5c\ub300 3\ub144\uae4c\uc9c0 \uac00\ub2a5<\/strong>\ud558\ub2e4\uace0 \uc0dd\uac01\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774\ub7ec\ud55c \uc815\ubcf4\ub294 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc774 \uc544\ub2cc, <strong>\uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790\ub97c \uc704\ud55c \ub300\ucd9c\uc5d0\ub9cc \ud574\ub2f9\ub41c\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uaf2d \uae30\uc5b5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/strong> \uc989, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc774\uc6a9\ud558\uace0\uc790 \ud558\ub294 \ub300\ucd9c\uc790\ubd84\ub4e4\uc740 <strong>\uac70\uce58\uae30\uac04\uc774 \uc5c6\ub2e4\ub294 \uc810\uc744 \uc778\uc9c0<\/strong>\ud558\uace0 \ub300\ucd9c\uc744 \uc2e0\uccad\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uc774\uc640 \uac19\uc774 \uae08\uc735 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc815\ud655\ud55c \uc815\ubcf4\ub97c \uc54c\uace0, \uc624\ud574 \uc5c6\uc774 \uc62c\ubc14\ub978 \ub300\ucd9c \uc120\ud0dd\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. <\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>\ub9c8\uc9c0\ub9c9\uc73c\ub85c,<\/strong> \ub300\ucd9c \uad00\ub828 \uc815\ubcf4\uc640 \uc790\ub8cc\ub97c \ucc3e\uc744 \ub54c\ub294 \ud56d\uc0c1 \uacf5\uc2dd \uc6f9\uc0ac\uc774\ud2b8\ub098 \uc548\ub0b4\ubb38\uc744 \ucc38\uace0\ud574 \uc815\ud655\ud55c \uc815\ubcf4\ub97c \ud655\uc778\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uacfc \uad00\ub828\ud55c \ub354 \ub9ce\uc740 \uc815\ubcf4\ub97c \ucc3e\uc73c\uc2dc\ub824\uba74 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac \ud648\ud398\uc774\uc9c0\ub97c \ucc38\uc870\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/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-c090ffe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c090ffe\" 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-f2318f2\" data-id=\"f2318f2\" 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-2d6ecad elementor-widget elementor-widget-text-editor\" data-id=\"2d6ecad\" 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=\"%ED%95%9C%EB%8F%84%EC%A1%B0%ED%9A%8C%EC%8B%9C%EC%84%B8%EC%A1%B0%ED%9A%8C_%EB%B0%94%EB%A1%9C%EA%B0%80%EA%B8%B0\"><\/span><span style=\"color: #000000;\"><strong>\ud55c\ub3c4\uc870\ud68c(\uc2dc\uc138\uc870\ud68c) \ubc14\ub85c\uac00\uae30<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"color: #000000;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc774 \uc18c\ub4dd\uc5d0 \ub300\ud574 \ub300\ucd9c\uac00\ub2a5 \uc5ec\ubd80\ub97c \ud310\ub2e8\ud558\uc9c0\ub294 \uc54a\uc9c0\ub9cc, \uc18c\ub4dd\uc218\uc900\uc5d0 \ub530\ub978 \ud55c\ub3c4\uc5d0 \ub300\ud55c \uc81c\ud55c\uc740 \uc874\uc7ac<\/strong>\ud569\ub2c8\ub2e4. \ub610\ud55c, \uad6c\ub9e4\ud558\uace0\uc790 \ud639\uc740 \ub300\ud658\ud558\uace0\uc790 \ud558\ub294 \ubb3c\uac74\uc9c0(\uc8fc\ud0dd)\uc758 \uacf5\uc2dc\uc9c0\uac00(\uc2dc\uc138)\ub97c \ub530\ub77c\uac00\ub294\ub370, \uc774\ub54c \ud55c\uad6d\ubd80\ub3d9\uc0b0\uc6d0\uc774 \uc81c\uacf5\ud558\ub294 \uc2dc\uc138\uac00 \uc544\ub2cc KB\ubd80\ub3d9\uc0b0 \uc2dc\uc138\ub97c \ub530\ub77c\uac00\uae30 \ub54c\ubb38\uc5d0 \ud55c\ub3c4\uac00 \ub354 \uc798 \ub098\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubd80\ub4dd\uc774 \ud55c \uacbd\uc6b0 KB\ubd80\ub3d9\uc0b0 \uc2dc\uc138\uac00 \uc5c6\uc744 \uacbd\uc6b0\uc5d0\ub9cc \ud55c\uad6d\ubd80\ub3d9\uc0b0\uc6d0\uc758 \uc2dc\uc138\ub97c \uc801\uc6a9\ud55c\ub2e4\uace0 \ud569\ub2c8\ub2e4.\u00a0\u00a0<strong><span style=\"color: #ff0000;\">DTI\uc640 DSR, LTV\uac00 \uc874\uc7ac<\/span><\/strong>\ud569\ub2c8\ub2e4. \uc774\uc810 \ucc38\uace0\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"color: #000000;\">\ub610\ud55c, <span style=\"color: #ff0000;\"><strong>\uc18c\ub4dd\uc5d0 \ub300\ud55c \ud55c\ub3c4\uc870\ud68c<\/strong><\/span>\ub294 \uc774 \ub9c1\ud06c\ub85c \uc811\uc18d\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"color: #0000ff;\"><strong><a style=\"color: #0000ff;\" href=\"https:\/\/www.hf.go.kr\/ko\/sub01\/sub01_06_04.do#!#none\">https:\/\/www.hf.go.kr\/ko\/sub01\/sub01_06_04.do#!#none<\/a><\/strong><\/span><\/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-4e81966 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e81966\" 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-70f8978\" data-id=\"70f8978\" 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-4dda85f elementor-widget elementor-widget-text-editor\" data-id=\"4dda85f\" 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\"><\/span><span style=\"color: #000000;\"><strong>\uae08\ub9ac<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-size: 14pt;\"><em><strong>2023\ub144 8\uc6d4 \uae30\uc900, \uc77c\ubc18\ud615\uc740 0.25%\uac00 \uc778\uc0c1\ub418\uc5b4 \uc801\uc6a9\ub418\uc5c8\uc73c\uba70, \uc6b0\ub300\ud615\uc740 \ubcc0\ub3d9\uc774 \uc5c6\ub2e4\uace0 \ud569\ub2c8\ub2e4.<\/strong><\/em><\/span><\/p>\n<p><span style=\"color: #000000;\">\uae08\ub9ac\ub294 <strong><span style=\"color: #ff0000;\">\uad49\uc7a5\ud788 \uc6b0\uc6d4\ud55c \uc0c1\ud488<\/span><\/strong>\uc785\ub2c8\ub2e4. \uc77c\ubc18 \uc2dc\uc911\uc740\ud589\uc758 \uae08\ub9ac\ub294 \ubcf4\ud1b5 5\ub144 \uace0\uc815\uae08\ub9ac\uc5d0 \uc774\ud6c4 \ubcc0\ub3d9\uae08\ub9ac \uc801\uc6a9\uc778\ub370, <span style=\"text-decoration: underline;\"><span style=\"color: #ff0000; text-decoration: underline;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \ucd5c\uc7a5 50\ub144\ub3d9\uc548 \ucd5c\ucd08 \uae08\ub9ac\uc640 \ub3d9\uc77c\ud55c \uace0\uc815\uae08\ub9ac \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/strong><\/span><\/span><\/span><\/p>\n<table style=\"width: 100%; border-collapse: collapse; border-color: #000000; background-color: #e6dada;\">\n<tbody>\n<tr>\n<td style=\"width: 100%;\"><span style=\"color: #000000;\">\uc801\uc6a9\uae08\ub9ac = \uae30\ubcf8\uae08\ub9ac \u2013 \uc6b0\ub300\uae08\ub9ac + \uac00\uc0b0\uae08\ub9ac = \ucd5c\uc18c \uc5f0 4.25%~4.55%(50\ub144)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"color: #000000;\">\uc801\uc6a9\uae08\ub9ac\ub294 \uae30\ubcf8\uae08\ub9ac\uc5d0\uc11c \uc6b0\ub300\uae08\ub9ac\ub97c \uc81c\uc678\ud558\uace0, \uac00\uc0b0\uae08\ub9ac\ub97c \ub354\ud558\uc5ec \uae08\ub9ac\uac00 \uc0b0\uc815\ub429\ub2c8\ub2e4.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%EC%9A%B0%EB%8C%80%EA%B8%88%EB%A6%AC\"><\/span><span style=\"font-size: 18pt; color: #000000;\"><strong>\uc6b0\ub300\uae08\ub9ac<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table style=\"width: 100%; border-collapse: collapse; border-color: #000000; background-color: #e6dada;\">\n<tbody>\n<tr>\n<td style=\"width: 100%;\">\n<p><span style=\"color: #000000;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/25aa.svg\" alt=\"\u25aa\" \/> \uc804\uc790\uc57d\uc815 \ubc0f \ub4f1\uae30 \uc2dc 0.1%p \uae08\ub9ac\uc778\ud558<\/span><\/p>\n<p><span style=\"color: #000000;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/25aa.svg\" alt=\"\u25aa\" \/> \uc800\uc18c\ub4dd\uccad\ub144 \uc6b0\ub300\uae08\ub9ac &#8211; \uc8fc\ud0dd\uac00\uaca9 6\uc5b5\uc6d0 \uc774\ud558\uc774\uba74\uc11c \ubd80\ubd80\ud569\uc0b0 \uc5f0\uc18c\ub4dd 6\ucc9c\ub9cc\uc6d0 \uc774\ud558\ub85c \uc2e0\uccad\uc77c \uae30\uc900 \ucc44\ubb34\uc790\uac00 \ub9cc 39\uc138 \uc774\ud558\uc778 \uacbd\uc6b0 0.1%p \uc6b0\ub300<\/span><\/p>\n<p><span style=\"color: #000000;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/25aa.svg\" alt=\"\u25aa\" \/> \uc2e0\ud63c\uac00\uad6c \uc6b0\ub300\uae08\ub9ac &#8211; \uc8fc\ud0dd\uac00\uaca9 6\uc5b5\uc6d0 \uc774\ud558\uc774\uba74\uc11c \ubd80\ubd80\ud569\uc0b0 \uc5f0\uc18c\ub4dd 7\ucc9c\ub9cc\uc6d0 \uc774\ud558\uc778 \uc2e0\ud63c\uac00\uad6c\ub85c \uc8fc\ud0dd \uba74\uc801 85\u33a1\uc774\ud558 \u203b \uc778 \uacbd\uc6b0 0.2%p \uc6b0\ub300<\/span><\/p>\n<p><span style=\"color: #000000;\">\u203b\u300c\uad6d\ud1a0\uc758 \uacc4\ud68d \ubc0f \uc774\uc6a9\uc5d0 \uad00\ud55c \ubc95\ub960\u300d\uc5d0 \ub530\ub978 \uc218\ub3c4\uad8c\uc744 \uc81c\uc678\ud55c \ub3c4\uc2dc\uc9c0\uc5ed\uc774 \uc544\ub2cc \uc74d \ub610\ub294 \uba74\uc9c0\uc5ed\uc740 100\u33a1 \uc774\ud558<\/span><\/p>\n<p><span style=\"color: #000000;\">&#8211; \uc2e0\ud63c\uac00\uad6c \ud574\ub2f9\uc5ec\ubd80\ub294 \ub300\ucd9c\uc2e0\uccad\uc77c \ud604\uc7ac \uc544\ub798 \ud45c\uc758 \uc694\uac74\uc744 \ucda9\uc871<\/span><\/p>\n<p><span style=\"color: #000000;\">\u261e \ud63c\uc778\uad00\uacc4\uc99d\uba85\uc11c\uc0c1 \ud63c\uc778\uc2e0\uace0\uc77c\uc774 \uc2e0\uccad\uc77c\ub85c\ubd80\ud130 7\ub144 \uc774\ub0b4\uc778 \uac00\uad6c(\uacb0\ud63c\uc608\uc815 \uac00\uad6c \u203b \ud3ec\ud568)<\/span><\/p>\n<p><span style=\"color: #000000;\">* \uccad\ucca9\uc7a5 \ub610\ub294 \uc608\uc2dd\uc7a5\uacc4\uc57d\uc11c \uc0c1 \uacb0\ud63c\uc608\uc815\uc77c\uc774 \uc2e0\uccad\uc77c\ub85c\ubd80\ud130 3\uac1c\uc6d4 \uc774\ub0b4\uc778 \uac00\uad6c \ub610\ub294 [\ubcc4\uc9c0 24] \uacb0\ud63c\uc608\uc815\uc0ac\uc2e4\ud655\uc778\uc11c\ub97c \uc81c\ucd9c\ud558\uc5ec \uc2e0\uccad\uc77c\ub85c\ubd80\ud130 3\uac1c\uc6d4 \uc774\ub0b4 \uacb0\ud63c\uc608\uc815\uc784\uc744 \uc785\uc99d\ud558\ub294 \uac00\uad6c<\/span><\/p>\n<p><span style=\"color: #000000;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/25aa.svg\" alt=\"\u25aa\" \/> \uc0ac\ud68c\uc801 \ubc30\ub824\uce35 \uc6b0\ub300\uae08\ub9ac<\/span><\/p>\n<p><span style=\"color: #000000;\">&#8211; \uc8fc\ud0dd\uac00\uaca9 6\uc5b5\uc6d0 \uc774\ud558\uc774\uba74\uc11c \ubd80\ubd80\ud569\uc0b0 \uc5f0\uc18c\ub4dd 6\ucc9c\ub9cc\uc6d0(\ub2e4\uc790\ub140\uac00\uad6c\ub294 7\ucc9c\ub9cc\uc6d0) \uc774\ud558\uc778 \ud55c\ubd80\ubaa8\uac00\uad6c\u00b7\uc7a5\uc560\uc778\uac00\uad6c \u203b \u00b7\ub2e4\ubb38\ud654\uac00\uad6c\u00b7\ub2e4\uc790\ub140\uac00\uad6c\ub85c \uc8fc\ud0dd\uba74\uc801 85\u33a1\uc774\ud558 \u203b\u203b<\/span><\/p>\n<p><span style=\"color: #000000;\">\uc778 \uacbd\uc6b0 \uac01 \ud56d\ubaa9\ubcc4\ub85c 0.4%p \uc6b0\ub300(\ucd5c\ub300 2\uac00\uc9c0 \ud56d\ubaa9\uc744 \ud0dd\ud558\uc5ec \uc911\ubcf5\uc801\uc6a9 \uac00\ub2a5)<\/span><\/p>\n<p><span style=\"color: #000000;\">\u203b \uc7a5\uc560\uc778 \ubcf8\uc778(\ubc30\uc6b0\uc790\uac00 \uc7a5\uc560\uc778\uc77c \uacbd\uc6b0 \ubc30\uc6b0\uc790, \uc81c3\uc790\uac00 \uc7a5\uc560\uc778\uc77c \uacbd\uc6b0 \uc81c3\uc790)\uc5d0 \ub300\ud558\uc5ec \uac1c\uc778 (\ubbfc\uac10)\uc815\ubcf4 \ucc98\ub9ac\uad00\ub828 \ub3d9\uc758\uc11c(\ubcf8\uc778, \ubc30\uc6b0\uc790 \ubc0f \uc81c3\uc790)\ub97c \ubc18\ub4dc\uc2dc \uc9d5\uad6c<\/span><\/p>\n<p><span style=\"color: #000000;\">\u203b\u203b \ub2e4\uc790\ub140\uac00\uad6c \uc801\uc6a9 \uc81c\uc678, \u300c\uad6d\ud1a0\uc758 \uacc4\ud68d \ubc0f \uc774\uc6a9\uc5d0 \uad00\ud55c \ubc95\ub960\u300d\uc5d0 \ub530\ub978 \uc218\ub3c4\uad8c\uc744 \uc81c\uc678\ud55c \ub3c4\uc2dc\uc9c0\uc5ed\uc774 \uc544\ub2cc \uc74d \ub610\ub294 \uba74\uc9c0\uc5ed\uc740 100\u33a1 \uc774\ud558<\/span><\/p>\n<p><span style=\"color: #000000;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/25aa.svg\" alt=\"\u25aa\" \/> \ubbf8\ubd84\uc591\uad00\ub9ac\uc9c0\uc5ed \ub0b4 \ubbf8\ubd84\uc591\uc8fc\ud0dd \uc785\uc8fc\uc790\uc5d0 \ub300\ud55c \uc6b0\ub300\uae08\ub9ac<\/span><\/p>\n<p><span style=\"color: #000000;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/25aa.svg\" alt=\"\u25aa\" \/> \ubbf8\ubd84\uc591\uad00\ub9ac\uc9c0\uc5ed \ub0b4 \ubbf8\ubd84\uc591\uc8fc\ud0dd \uc785\uc8fc\uc790\uc5d0 \ub300\ud55c \uc6b0\ub300\uae08\ub9ac\ub294 \ub2e4\uc74c\uc694\uac74\uc744 \ubaa8\ub450 \ucda9\uc871 \uc2dc\uc5d0\ub9cc \uc801\uc6a9 &#8211; \uad6c\uc785\uc6a9\ub3c4\ub85c \uc2e0\uccad\uc77c \ud604\uc7ac \ubb34\uc8fc\ud0dd\uc790 (\uc77c\uc2dc\uc801 2\uc8fc\ud0dd\uc790\ub294 \ud5c8\uc6a9\ud558\uc9c0 \uc54a\uc74c) &#8211; \ub2f4\ubcf4\uc8fc\ud0dd\uc774 \uc2e0\uccad\uc77c \ud604\uc7ac \uc11c\uc6b8\ud2b9\ubcc4\uc2dc\u00b7\uc778\ucc9c\uad11\uc5ed\uc2dc\u00b7\uacbd\uae30\ub3c4\ub97c \uc81c\uc678\ud55c \ubbf8\ubd84\uc591 \uad00\ub9ac\uc9c0\uc5ed\uc5d0 \uc18c\uc7ac\ud558\ub294 \ubbf8\ubd84\uc591 \uc544\ud30c\ud2b8<\/span><\/p>\n<p><span style=\"color: #000000;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/25aa.svg\" alt=\"\u25aa\" \/> \uc800\uc18c\ub4dd\uccad\ub144\u00b7\uc2e0\ud63c\uac00\uad6c\u00b7\uc0ac\ud68c\uc801 \ubc30\ub824\uce35\u00b7\ubbf8\ubd84\uc591\uad00\ub9ac\uc9c0\uc5ed \ub0b4 \ubbf8\ubd84\uc591\uc8fc\ud0dd \uc785\uc8fc\uc790\uc5d0 \ub300\ud55c \uc6b0\ub300\uae08\ub9ac\ub294 \ucd5c\ub300 0.8%p\ub97c \ud55c\ub3c4\ub85c \uc911\ubcf5\uc801\uc6a9 \uac00\ub2a5<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"%EA%B0%80%EC%82%B0%EA%B8%88%EB%A6%AC\"><\/span><span style=\"color: #000000;\"><strong>\uac00\uc0b0\uae08\ub9ac<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"color: #000000;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/25aa.svg\" alt=\"\u25aa\" \/> \ub2f4\ubcf4\ubb3c \uc18c\uc7ac\uc9c0\uac00 \ud22c\uae30\uc9c0\uc5ed\uc778 \uacbd\uc6b0\uc5d0\ub294 0.1%p \uac00\uc0b0\uae08\ub9ac \ubd80\uacfc<\/span><\/p>\n<p><span style=\"color: #000000;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/25aa.svg\" alt=\"\u25aa\" \/> \uc2b9\uc778\uc77c \ud604\uc7ac \u2018\uac74\ucd95\ubc95\u2019 \ubc0f \u2018\ub179\uc0c9\uac74\ucd95 \uc778\uc99d\uc5d0 \uad00\ud55c \uaddc\uce59\u2019\uc5d0 \ub530\ub77c \uc9c0\uc815\ub41c \uc778\uc99d\uae30\uad00 \u203b \uc5d0\uc11c\u300c\ub179\uc0c9\uac74\ucd95 \uc608\ube44\uc778\uc99d\uc11c\u300d\ub610\ub294\u300c\ub179\uc0c9\uac74\ucd95 \uc778\uc99d\uc11c\u300d\ub97c \ubc1b\uc740 \uc8fc\ud0dd\uc758 \uacbd\uc6b0\uc5d0\ub294 \ud22c\uae30\uc9c0\uc5ed \uac00\uc0b0\uae08\ub9ac \uba74\uc81c<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A1%B0%EA%B8%B0%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C\"><\/span><span style=\"color: #000000;\"><strong>(<\/strong><strong>\uc870\uae30)\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"color: #ff0000;\"><strong>\uc5c6\uc74c.<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\ubcf4\ud1b5 \uc2dc\uc911\uc740\ud589, \ub514\uc9c0\ud138\uc81c1\uae08\uc735\uad8c \ud3ec\ud568\ud558\uc5ec \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc\ub294 \ub300\uac1c\ub85c 1.2%~1.5%\uc120\uc785\ub2c8\ub2e4.<\/span><\/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-3280839 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3280839\" 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-220db85\" data-id=\"220db85\" 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-a66dbfc elementor-widget elementor-widget-text-editor\" data-id=\"a66dbfc\" 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%A0%EC%B2%AD_%EC%8B%9C_%ED%95%84%EC%9A%94%EC%84%9C%EB%A5%98\"><\/span><span style=\"color: #000000;\"><strong>\uc2e0\uccad \uc2dc, \ud544\uc694\uc11c\ub958<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"width: 100%;\">\n<thead>\n<tr>\n<th style=\"width: 14.1666%;\"><span style=\"color: #000000;\">\uad6c\ubd84<\/span><\/th>\n<th style=\"width: 84.6667%;\"><span style=\"color: #000000;\">\ud544\uc694\uc11c\ub958<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 14.1666%;\"><span style=\"color: #000000;\">\ubcf8\uc778\ud655\uc778<\/span><\/td>\n<td style=\"width: 84.6667%;\"><span style=\"color: #000000;\">\uc8fc\ubbfc\ub4f1\ub85d\uc99d, \uc6b4\uc804\uba74\ud5c8\uc99d, \uc5ec\uad8c \uc911 \ud0dd1 (\uc0ac\uc804\uc2ec\uc0ac\uc758 \uacbd\uc6b0 \uacf5\ub3d9\uc778\uc99d\uc11c\ub85c \ubcf8\uc778\ud655\uc778 \uc2dc \uc9d5\uad6c \uc0dd\ub7b5)<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 14.1666%;\"><span style=\"color: #000000;\">\uad6d\uc801\ud655\uc778\ub4f1<\/span><\/td>\n<td style=\"width: 84.6667%;\"><span style=\"color: #000000;\">\uc8fc\ubbfc\ub4f1\ub85d\ub4f1\ubcf8(\uc7ac\uc678\uad6d\ubbfc \ud3ec\ud568, \uc0ac\uc804\uc2ec\uc0ac\uc758 \uacbd\uc6b0 \ud589\uc815\uc815\ubcf4 \uacf5\ub3d9\uc774\uc6a9 \uc0ac\uc804\ub3d9\uc758\uc11c \uc81c\ucd9c \uc2dc \uc0dd\ub7b5), \uad6d\ub0b4\uac70\uc18c\uc2e0\uace0\uc99d \ubc0f \uad6d\ub0b4\uac70\uc18c\uc2e0\uace0\uc0ac\uc2e4\uc99d\uba85(\uc678\uad6d\uad6d\uc801\ub3d9\ud3ec\uc5d0 \ud55c\ud568, \ubc1c\uae09\ub418\uc9c0 \uc54a\ub294 \uacbd\uc6b0 \uc678\uad6d\uc778 \ub4f1\ub85d\uc0ac\uc2e4\uc99d\uba85\uc6d0\uc73c\ub85c \ub300\uccb4 \uac00\ub2a5), \uac00\uc871\uad00\uacc4\uc99d\uba85\uc6d0(\ucc44\ubb34\uc790\uac00 \ubbf8\ud63c\uc774\uac70\ub098 \ubc30\uc6b0\uc790\uac00 \ubcc4\ub3c4 \uc138\ub300\uc778 \uacbd\uc6b0\uc5d0 \ud55c\ud574 \uc9d5\uad6c)<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 14.1666%;\"><span style=\"color: #000000;\">\uc18c\ub4dd\uc99d\uba85<\/span><\/td>\n<td style=\"width: 84.6667%;\">\n<p><span style=\"color: #000000;\">\u2460 \uadfc\ub85c\uc18c\ub4dd\uc758 \uacbd\uc6b0, \uc138\ubb34\uc11c \ubc1c\uae09 \uc18c\ub4dd\uae08\uc561\uc99d\uba85\uc6d0 \ub610\ub294 \uc18c\ub4dd\ud655\uc778 \uc99d\uba85\uc11c, \uc5f0\ub9d0\uc815\uc0b0\uc6a9 \uc6d0\ucc9c\uc9d5\uc218\uc601\uc218\uc99d, \uc7ac\uc9c1\ud68c\uc0ac \ub0a0\uc778 \ud55c \uae09\uc5ec\uba85\uc138\ud45c, \uc784\uae08\ub300\uc7a5 \ub4f1 \uae09\uc5ec\ub0b4\uc5ed\uc774 \ud3ec\ud568\ub41c \uc99d\uba85\uc11c<\/span><br \/><span style=\"color: #000000;\">\u2461 \uc0ac\uc5c5\uc18c\ub4dd\uc758 \uacbd\uc6b0, \uc138\ubb34\uc11c \ubc1c\uae09 \uc18c\ub4dd\uae08\uc561\uc99d\uba85\uc6d0 \ub610\ub294 \uc18c\ub4dd\ud655\uc778\uc99d\uba85\uc11c, \uc5f0\ub9d0\uc815\uc0b0\uc6a9 \uc0ac\uc5c5\uc18c\ub4dd \uc6d0\ucc9c\uc9d5\uc218\uc601\uc218\uc99d(\uac70\uc8fc\uc790\uc758 \uc0ac\uc5c5\uc18c\ub4dd \uc6d0\ucc9c\uc9d5\uc218\uc601\uc218\uc99d \ud3ec\ud568), \uc138\ubb34\uc0ac\uac00 \ud655\uc778\ud55c \uc804\ub144\ub3c4 \uacfc\uc138\ud45c\uc900\ud655\uc815\uc2e0\uace0 \ubc0f \ub0a9\ubd80\uacc4\uc0b0\uc11c<\/span><\/p>\n<p><span style=\"color: #000000;\">\u2462 \uc5f0\uae08\uc18c\ub4dd\uc758 \uacbd\uc6b0, \uc5f0\uae08\uc218\uae09\uad8c\uc790\ud655\uc778\uc11c \ub4f1 \uae30\ud0c0 \uc5f0\uae08\uc218\ub839\uc744 \ud655\uc778\ud560 \uc218 \uc788\ub294 \uc9c0\uae09\uae30\uad00 \uc99d\uba85\uc11c(\uc218\ub839\uc561 \ubbf8\ud45c\uae30 \uc2dc, \uc5f0\uae08\uc218\ub839\ud1b5\uc7a5)<\/span><\/p>\n<p><span style=\"color: #000000;\">\u2463 \uae30\ud0c0\uc18c\ub4dd\uc758 \uacbd\uc6b0, \uc138\ubb34\uc11c \ubc1c\uae09 \uc18c\ub4dd\uae08\uc561\uc99d\uba85\uc6d0<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 14.1666%;\"><span style=\"color: #000000;\">\uc18c\ub4dd\ucd94\uc815<\/span><\/td>\n<td style=\"width: 84.6667%;\"><span style=\"color: #000000;\">\uad6d\ubbfc\uc5f0\uae08(\uc5f0\uae08\uc0b0\uc815\uc6a9 \uac00\uc785\ub0b4\uc5ed\ud655\uc778\uc11c), \uac74\uac15\ubcf4\ud5d8(\uac74\uac15. \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\ub8cc \ub0a9\ubd80\ud655\uc778\uc11c, \uc9c0\uc5ed\uac00\uc785\uc790\uc5d0 \ud55c\ud558\uc5ec \uac74\uac15\ubcf4\ud5d8\uc790\uaca9\ub4dd\uc2e4\ud655\uc778\uc11c)<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 14.1666%;\"><span style=\"color: #000000;\">\uc7ac\uc9c1 \ubc0f \uc0ac\uc5c5\uc601\uc704 \uc0ac\uc2e4\ud655\uc778\ub4f1<\/span><\/td>\n<td style=\"width: 84.6667%;\"><span style=\"color: #000000;\">\uac74\uac15\ubcf4\ud5d8 \uc790\uaca9\ub4dd\uc2e4\ud655\uc778\uc11c, \uc7ac\uc9c1\uc99d\uba85\uc11c, \ud1f4\uc9c1\uc99d\uba85\uc11c, \ud734\uc9c1\uc6d0, \uc0ac\uc5c5\uc790\ub4f1\ub85d\uc99d, \ub2e4\ub2e8\uacc4\ud310\ub9e4\uc6d0\ub4f1\ub85d\uc99d, \uc704\ucd09\uc99d\uba85\uc11c, \uc6b4\uc1a1\uc0ac\uc5c5\uba74\ud5c8\uc99d, \uace0\uc6a9\uacc4\uc57d\uc11c \ub4f1<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 14.1666%;\"><span style=\"color: #000000;\">\uc8fc\ud0dd\uad00\ub828<\/span><\/td>\n<td style=\"width: 84.6667%;\"><span style=\"color: #000000;\">\ud1a0\uc9c0\/\uac74\ubb3c \ub4f1\uae30\uc0ac\ud56d\uc804\ubd80\uc99d\uba85\uc11c(\uad6c\uc785\uc6a9\ub3c4\uc778 \uacbd\uc6b0 \ub9e4\ub9e4\/\ubd84\uc591\uacc4\uc57d\uc11c, \uc784\ub300\ucc28 \uc788\ub294 \uacbd\uc6b0 \ucd94\uac00, \uacbd\ub9e4\uc5d0 \uc758\ud55c \ucde8\ub4dd \uc2dc \uacbd\ub77d\ud5c8\uac00\uc11c \ucd94\uac00)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"color: #000000;\">\uc704\uc758 \ubaa8\ub4e0 \uc720\ud6a8\uae30\uac04\uc740 1\uac1c\uc6d4\uc774\uba70, \ud1a0\uc9c0\/\uac74\ubb3c \ub4f1\uae30\uc0ac\ud56d\uc804\ubd80\uc99d\uba85\uc11c\ub97c \uc81c\uc678\ud558\uace0\ub294 \uc0ac\ubcf8\uc81c\ucd9c\uc774 \uac00\ub2a5\ud558\ub2c8 \ucc38\uace0\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B8%B0%EC%A3%BC%ED%83%9D%EC%9E%90%EB%A5%BC_%EC%9C%84%ED%95%9C_%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C_%EC%9C%A0%ED%95%9C%EC%B1%85%EC%9E%84_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0\"><\/span><span style=\"color: #000000;\"><strong>\uae30\uc8fc\ud0dd\uc790\ub97c \uc704\ud55c \ub2f4\ubcf4\ub300\ucd9c<\/strong><strong>_ \uc720\ud55c\ucc45\uc784 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"color: #000000;\"><span style=\"color: #ff0000;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \ubb34\uc8fc\ud0dd\uc790\ub098 \ucc98\ubd84\uc608\uc815\uc778 1\uc8fc\ud0dd \ubcf4\uc720\uc790\uac00 \uac00\ub2a5<\/strong><\/span>\ud55c\ub370, \uc774\ub54c <span style=\"text-decoration: underline;\">\uae30\uc8fc\ud0dd\uc790\ub97c \uc704\ud55c \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/span> \uc774\ub54c \uae30\uc874 \uc8fc\ud0dd\uc5d0 \ub300\ud55c \uadfc\uc800\ub2f9\uc774 \uc5c6\uc5b4\uc57c \ud558\uba70, \uae30\uc874 \uc8fc\ud0dd\uc5d0 \ub2f4\ubcf4\ub300\ucd9c\uc774 \uc788\ub2e4\uba74, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ud65c\uc6a9\ud558\uc5ec \ub300\ud658 \ub300\ucd9c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc, \uc2e0\uaddc \uc8fc\ud0dd \ucde8\ub4dd\uc744 \uc704\ud574 \uc900\ube44\ud55c\ub2e4\uba74 \uae30\uc874 \uc8fc\ud0dd\uc758 \ub300\ucd9c\uc744 \ubaa8\ub450 \uc0c1\ud658\ud55c \uc774\ud6c4\ub85c \ub300\ucd9c \uc2e0\uccad\uc744 \ud574\uc57c \ud569\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"text-decoration: underline; color: #ff0000;\"><em><strong>\ub530\ub77c\uc11c \uae30\uc874 1\uc8fc\ud0dd\uc5d0 \ub300\ud574 \ub300\ucd9c\uc774 \uc788\ub2e4\uba74, \ub300\ud658 \ub300\ucd9c\ub9cc!<\/strong><\/em><\/span><\/p>\n<p><span style=\"text-decoration: underline; color: #ff0000;\"><em><strong>\uae30\uc874 1\uc8fc\ud0dd\uc5d0 \ub300\ud574 \ub300\ucd9c\uc774 \uc5c6\ub2e4\uba74, \ub300\ucd9c\uc2e4\ud589 \ud6c4 3\ub144 \ub0b4 \ubb34\uc870\uac74 \ub9e4\ub9e4\uc870\uac74\uc73c\ub85c \ud558\ub294 \uc720\ud55c\ucc45\uc784 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad!<\/strong><\/em><\/span><\/p>\n<p><span style=\"color: #000000;\">23\ub144 8\uc6d4 8\uc77c \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac(HF) \ud574\ub2f9 \ubd80\uc11c \ud1b5\ud654 \uc644\ub8cc\ub41c \ub0b4\uc6a9\uc785\ub2c8\ub2e4.<\/span><\/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-e2af5a0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e2af5a0\" 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-33 elementor-top-column elementor-element elementor-element-132fa18\" data-id=\"132fa18\" 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-c5682f9 elementor-widget elementor-widget-image\" data-id=\"c5682f9\" data-element_type=\"widget\" data-widget_type=\"image.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-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t\t<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%a0%ec%b0%a8%ec%9d%b41%ed%8e%b8\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"488\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc720\ud615-\ube44\uad50.png?fit=1024%2C488&amp;ssl=1\" class=\"attachment-large size-large wp-image-678\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uae08\ub9ac \uc778\uc0c1, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uae08\ub9ac \ub3d9\uacb0, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc77c\ubc18\ud615, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc6b0\ub300\ud615,\uc544\ub08c E \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 T , \uc544\ub08c E\uc640 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 T \ucc28\uc774\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc720\ud615-\ube44\uad50.png?w=1260&amp;ssl=1 1260w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc720\ud615-\ube44\uad50.png?resize=300%2C143&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc720\ud615-\ube44\uad50.png?resize=1024%2C488&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc720\ud615-\ube44\uad50.png?resize=768%2C366&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-15715ee\" data-id=\"15715ee\" 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-10888a9 elementor-widget elementor-widget-text-editor\" data-id=\"10888a9\" 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<p><span style=\"color: #339966;\"><strong>\uae08\ub9ac \uc6b0\ub300\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 \ud2b9\ub840 \ubcf4\uae08 \uc790\ub9ac \uc885\ub958\uc5d0 \uad00\ud55c \uae00\uc785\ub2c8\ub2e4.<\/strong><\/span><\/p>\n<p><span style=\"color: #339966;\"><strong>1) \ud2b9\ub840 e\uc640 \ud2b9\ub840 t \uc2e0\uccad \ubc29\ubc95 \ucc28\uc774<\/strong><\/span><\/p>\n<p><span style=\"color: #339966;\"><strong>2) \uc2e0\uccad\ubc29\ubc95\uc5d0 \ub530\ub978 \uc18c\uc694\uc2dc\uac04 \ucc28\uc774<\/strong><\/span><\/p>\n<p><span style=\"color: #339966;\"><strong>3) \ub458 \uc911 \uc5b4\ub5a4 \uac78\ub85c \uc2e0\uccad\ud558\uc5ec \uc900\ube44\ud574\uc57c\ud560\uae4c?<\/strong><\/span><\/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>\uc800 \uc787\ubc38\ub9ac\uac00 \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uace0\ub824\ud558\uc2dc\ub294 \ubd84\ub4e4\uc744 \uc704\ud55c \uc544\uc8fc \uc720\uc6a9\ud55c \uc815\ubcf4\uac00 \ub2f4\uae34 \uc774\ubc88 \uae00! \ucd5c\uadfc \uae30\ud68c\uac00 \ub418\uc5b4 \uc870\uc0ac\ud55c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uad00\ub828 \ub0b4\uc6a9\uc744 \uacf5\uc720\ud574 \ub4dc\ub9bd\ub2c8\ub2e4. \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac(HF)\uc5d0\uc11c \uc9c1\uc811 \ud655\uc778\ud558\uace0, \uc2dc\uc911 \uc740\ud589 \uc138 \uacf3\uc744 \ub2e4\ub140\uc628 \uc800\ub9cc\uc758 \uc18c\uc911\ud55c \uacbd\ud5d8\uc744 \uc0b4\ub824, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc758 \uc5c5\ubb34\ucc98\ub9ac\uae30\uc900\uacfc \uc740\ud589 \uc0c1\ub2f4\uc5d0 \ub530\ub978 \uaf2d \uc54c\uc544 \ub450\uc5b4\uc57c \ud560 \uc0ac\ud56d\ub4e4\uc744 \uc804\ud574\ub4dc\ub9bd\ub2c8\ub2e4. \ub354 \ub098\uc544\uac00, \ub514\ub524\ub3cc\ub300\ucd9c\uacfc \uc77c\ubc18 \uc8fc\ub2f4\ub300 \uc911 \uc5b4\ub5a4 \uac83\uc744 \uc120\ud0dd\ud574\uc57c \ud560\uc9c0 &#8230; <a title=\"[\ub2f4\ubcf4\ub300\ucd9c] \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc0c1\ub2f4\uafc0\ud301, \uc911\ub3c4\uc0c1\ud658, \uac70\uce58\uae30\uac04, \ud55c\ub3c4\uc18c\uc9c4?\" class=\"read-more\" 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\/\" aria-label=\"More on [\ub2f4\ubcf4\ub300\ucd9c] \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc0c1\ub2f4\uafc0\ud301, \uc911\ub3c4\uc0c1\ud658, \uac70\uce58\uae30\uac04, \ud55c\ub3c4\uc18c\uc9c4?\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":618,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-617","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] \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc0c1\ub2f4\uafc0\ud301, \uc911\ub3c4\uc0c1\ud658, \uac70\uce58\uae30\uac04, \ud55c\ub3c4\uc18c\uc9c4? - \uc787\ubc38\ub9ac \ud83d\udce6<\/title>\n<meta name=\"description\" content=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc758 \uc911\ub3c4\uc0c1\ud658, \uae08\ub9ac, \uc644\ud654, \uc18c\uc9c4 \ub4f1\uc5d0 \ub300\ud55c \ucd1d\uc815\ub9ac! \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uace0\ub824\ud558\ub294 \ubd84\ub4e4\uc744 \uc704\ud574 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc5d0 \ub300\ud55c \uae08\ub9ac, \uc0c1\ud658\ubc29\ubc95, \uc911\ub3c4\uc0c1\ud658, \uc740\ud589, \uc720\uc8fc\ud0dd\uc790\ub97c \uc704\ud55c \uc720\ud55c\ucc45\uc784 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860, \ucd94\uac00\ub300\ucd9c \uac00\ub2a5\uc5ec\ubd80, \uc18c\uc9c4 \ud604\ud669\uc640 \ud61c\ud0dd\uc744 \ubaa8\uc544 \uc54c\ub824\ub4dc\ub9bd\ub2c8\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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