{"id":658,"date":"2023-08-11T22:15:11","date_gmt":"2023-08-11T13:15:11","guid":{"rendered":"https:\/\/11am.i234.me\/itvalley\/?p=658"},"modified":"2023-09-17T21:06:16","modified_gmt":"2023-09-17T12:06:16","slug":"%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a02%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%a02%ed%8e%b8\/","title":{"rendered":"[\ub2f4\ubcf4\ub300\ucd9c\/\ud6c4\uae30] \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ubc1b\ub294 \uafc0\ud301, \uc790\uaca9, \uc790\uae08\ubd80\uc871\ud560 \ub550 \uc5b4\ub5bb\uac8c?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"658\" class=\"elementor elementor-658\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a7c0c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a7c0c7\" 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-97f0492\" data-id=\"97f0492\" 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-455b342 elementor-widget elementor-widget-text-editor\" data-id=\"455b342\" 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;\">\uc9c0\ub09c \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 1\ud3b8\uc5d0\uc11c\ub294 \ud55c\ub3c4, \uae08\ub9ac, \uc720\uc8fc\ud0dd\uc790 \ub4f1\uc744 \ubc30\uc6b4 \uacbd\ud5d8\uc744 \ubc14\ud0d5\uc73c\ub85c \uc124\uba85\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc774\ubc88\uc5d0\ub294 \uc790\uc8fc\ud558\ub294 \uc9c8\ubb38\uc5d0 \ub300\ud55c \ub2f5\ubcc0\uc744 \ub2e4\ub8ec \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 2\ud3b8\uc744 \uc18c\uac1c\ud569\ub2c8\ub2e4. \uc544\ub798\uc758 \ub0b4\uc6a9\uacfc \ub9c1\ud06c\ub97c \ud1b5\ud574 \uc790\uc138\ud55c \ub0b4\uc6a9\uc744 \ud655\uc778\ud574\ubcf4\uc138\uc694.<\/span><\/p><p><strong><span style=\"color: #000000;\">\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.<\/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-49a9446 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49a9446\" 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-3b1ccad\" data-id=\"3b1ccad\" 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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-6a05abc360871\"><\/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%a02%ed%8e%b8\/#%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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a02%ed%8e%b8\/#1_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC_T%EC%9C%A0%ED%98%95%EA%B3%BC_%EC%95%84%EB%82%8Ce_%EC%B0%A8%EC%9D%B4%EB%8A%94_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\" title=\"1. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac T\uc720\ud615\uacfc \uc544\ub08ce \ucc28\uc774\ub294 \ubb34\uc5c7\uc778\uac00\uc694?\">1. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac T\uc720\ud615\uacfc \uc544\ub08ce \ucc28\uc774\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/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%a02%ed%8e%b8\/#2_%EC%9C%A0%EC%A3%BC%ED%83%9D%EC%9E%90%EB%8F%84_%EA%B0%80%EB%8A%A5%ED%95%9C_%EB%8C%80%EC%B6%9C%EC%9D%B8%EA%B0%80%EC%9A%94\" title=\"2. \uc720\uc8fc\ud0dd\uc790\ub3c4 \uac00\ub2a5\ud55c \ub300\ucd9c\uc778\uac00\uc694?\">2. \uc720\uc8fc\ud0dd\uc790\ub3c4 \uac00\ub2a5\ud55c \ub300\ucd9c\uc778\uac00\uc694?<\/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%a02%ed%8e%b8\/#3_%ED%99%88%ED%8E%98%EC%9D%B4%EC%A7%80%EC%97%90%EC%84%9C_%EC%A1%B0%ED%9A%8C%ED%95%9C_%ED%95%9C%EB%8F%84%EC%99%80_%EC%9D%80%ED%96%89%EC%97%90%EC%84%9C_%EC%A7%81%EC%A0%91_%EC%A1%B0%ED%9A%8C%ED%95%9C_%EA%B2%83%EA%B3%BC_%EB%8B%AC%EB%9D%BC%EC%9A%94_%EC%99%9C_%EC%9D%BC%EA%B9%8C%EC%9A%94\" title=\"3. \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \uc870\ud68c\ud55c \ud55c\ub3c4\uc640 \uc740\ud589\uc5d0\uc11c \uc9c1\uc811 \uc870\ud68c\ud55c \uac83\uacfc \ub2ec\ub77c\uc694. \uc65c \uc77c\uae4c\uc694?\">3. \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \uc870\ud68c\ud55c \ud55c\ub3c4\uc640 \uc740\ud589\uc5d0\uc11c \uc9c1\uc811 \uc870\ud68c\ud55c \uac83\uacfc \ub2ec\ub77c\uc694. \uc65c \uc77c\uae4c\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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a02%ed%8e%b8\/#4_%EA%B1%B0%EC%B9%98%EA%B8%B0%EA%B0%84%EC%9D%B4_%EC%97%86%EB%8A%94_%EB%8C%80%EC%8B%A0%EC%97%90_%EC%9B%90%EA%B8%88%EC%83%81%ED%99%98_%EC%9C%A0%EC%98%88%EC%A0%9C%EB%8F%84%EB%8A%94_%EB%AD%94%EA%B0%80%EC%9A%94\" title=\"4. \uac70\uce58\uae30\uac04\uc774 \uc5c6\ub294 \ub300\uc2e0\uc5d0 \uc6d0\uae08\uc0c1\ud658 \uc720\uc608\uc81c\ub3c4\ub294 \ubb54\uac00\uc694?\">4. \uac70\uce58\uae30\uac04\uc774 \uc5c6\ub294 \ub300\uc2e0\uc5d0 \uc6d0\uae08\uc0c1\ud658 \uc720\uc608\uc81c\ub3c4\ub294 \ubb54\uac00\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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a02%ed%8e%b8\/#5_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0%EC%9C%BC%EB%A1%9C_%EB%8C%80%EC%B6%9C_%EB%B0%9B%EA%B3%A0_%EC%8B%B6%EC%9D%80%EB%8D%B0_%EC%9E%90%EA%B8%88%EC%9D%B4_%EB%B6%80%EC%A1%B1%ED%95%A0_%EB%95%8C%EC%9D%98_%EA%BF%80%ED%8C%81%EC%9D%B4_%EC%9E%88%EB%82%98%EC%9A%94\" title=\"5. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc73c\ub85c \ub300\ucd9c \ubc1b\uace0 \uc2f6\uc740\ub370 \uc790\uae08\uc774 \ubd80\uc871\ud560 \ub54c\uc758 \uafc0\ud301\uc774 \uc788\ub098\uc694?\">5. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc73c\ub85c \ub300\ucd9c \ubc1b\uace0 \uc2f6\uc740\ub370 \uc790\uae08\uc774 \ubd80\uc871\ud560 \ub54c\uc758 \uafc0\ud301\uc774 \uc788\ub098\uc694?<\/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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a02%ed%8e%b8\/#6_%EC%9E%94%EA%B8%88%EA%B8%B0%EC%9D%BC%EC%9D%B4_%EC%9E%84%EB%B0%95%ED%96%88%EB%8A%94%EB%8D%B0_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0_%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EC%9D%84%EA%B9%8C%EC%9A%94_%EB%98%90_%EC%9A%B0%EB%8C%80%EA%B8%88%EB%A6%AC%EB%8A%94_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%90%98%EB%82%98%EC%9A%94\" title=\"6. \uc794\uae08\uae30\uc77c\uc774 \uc784\ubc15\ud588\ub294\ub370 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ubc1b\uc744 \uc218 \uc788\uc744\uae4c\uc694? \ub610, \uc6b0\ub300\uae08\ub9ac\ub294 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?\">6. \uc794\uae08\uae30\uc77c\uc774 \uc784\ubc15\ud588\ub294\ub370 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ubc1b\uc744 \uc218 \uc788\uc744\uae4c\uc694? \ub610, \uc6b0\ub300\uae08\ub9ac\ub294 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/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\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a02%ed%8e%b8\/#7_%EA%B8%B0%EC%A1%B4_%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C%EC%9D%B4_%EC%9E%88%EB%8A%94_%EA%B2%BD%EC%9A%B0%EC%97%90_%EC%8B%A0%EA%B7%9C_%EC%A3%BC%ED%83%9D%EC%9D%84_%EA%B5%AC%EC%9E%85%ED%95%98%EA%B3%A0_%EC%8B%B6%EC%9D%80%EB%8D%B0_%EC%9D%B4%EB%95%8C%EB%8F%84_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0%EC%9D%84_%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\" title=\"7. \uae30\uc874 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc774 \uc788\ub294 \uacbd\uc6b0\uc5d0 \uc2e0\uaddc \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\uace0 \uc2f6\uc740\ub370 \uc774\ub54c\ub3c4 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ubc1b\uc744 \uc218 \uc788\ub098\uc694?\">7. \uae30\uc874 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc774 \uc788\ub294 \uacbd\uc6b0\uc5d0 \uc2e0\uaddc \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\uace0 \uc2f6\uc740\ub370 \uc774\ub54c\ub3c4 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/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%a02%ed%8e%b8\/#8_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0_%ED%95%9C%EB%8F%84%EC%86%8C%EC%A7%84_%EB%90%90%EB%82%98%EC%9A%94\" title=\"8. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ud55c\ub3c4\uc18c\uc9c4 \ub410\ub098\uc694?\">8. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ud55c\ub3c4\uc18c\uc9c4 \ub410\ub098\uc694?<\/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%a02%ed%8e%b8\/#9_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0_%EB%8C%80%EC%B6%9C_%ED%95%84%EC%9A%94%EC%84%9C%EB%A5%98%EB%8A%94_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%90%98%EB%82%98%EC%9A%94\" title=\"9. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \ud544\uc694\uc11c\ub958\ub294 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?\">9. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \ud544\uc694\uc11c\ub958\ub294 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EC%9A%94%EC%95%BD\"><\/span><span style=\"color: #000000;\"><strong>\uc694\uc57d<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\">1. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac T\uc720\ud615\uacfc \uc544\ub08cE \ucc28\uc774\ub294 \ub9c1\ud06c\ub97c \ucc38\uace0\ud558\uc138\uc694.<\/span><\/p><p><span style=\"color: #000000;\">2. \uc720\uc8fc\ud0dd\uc790\ub3c4 \ub300\ucd9c \uac00\ub2a5\ud558\uba70, \uc720\ud55c\ucc45\uc784\ud615 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc73c\ub85c \uc2e0\uccad\ud574\uc57c \ud558\uba70, LTV\ub294 10% \ucc28\uac10\ub429\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #000000;\">3. 9\uc5b5\uc6d0\uc744 \ucd08\uacfc\ud558\ub294 \uc8fc\ud0dd\uc740 \ucde8\uae09\ub418\uc9c0 \uc54a\uc73c\uba70, \uad6c\uc785 \uc6a9\ub3c4\uc5d0 \uc81c\ud55c\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #000000;\">4. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac T\uc720\ud615\uacfc \uc544\ub08cE \ucc28\uc774\ub97c \uc54c\uace0 \uc2f6\ub2e4\uba74 \ub9c1\ud06c\ub97c \ucc38\uace0\ud558\uc138\uc694.<\/span><\/p><p><span style=\"color: #000000;\">5. \uc6d0\uae08\uc0c1\ud658 \uc720\uc608\uc81c\ub3c4\ub294 \ub300\ucd9c\uae30\uac04 \uc911 3\ud68c\uae4c\uc9c0 \uac00\ub2a5\ud558\uba70, \uc720\uc608 \uae30\uac04 \ub3d9\uc548 \uc774\uc790\ub9cc \ub0a9\ubd80\ud569\ub2c8\ub2e4. \uc790\uc138\ud55c \ub0b4\uc6a9\uc740 HF \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ud655\uc778 \uac00\ub2a5\ud558\uba70, \uc790\uae08 \ubd80\uc871 \uc2dc\uc5d0\ub294 \uba3c\uc800 \uc2e0\uc6a9\ub300\ucd9c\uc744 \ubc1b\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #000000;\">6. \uc794\uae08\uae30\uc77c, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc6b0\ub300\uae08\ub9ac\uc5d0 \ub300\ud55c \ub0b4\uc6a9\uc740 \ub9c1\ud06c\uc5d0\uc11c \ud655\uc778\ud558\uc138\uc694.<\/span><\/p><p><span style=\"color: #000000;\">7. \ud604\uc7ac\ub294 \uae30\uc874 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \ub300\ud658\ub9cc \uac00\ub2a5\ud558\uba70, \ucd94\uac00 \ub300\ucd9c\uc740 \uc9c0\uc6d0\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #000000;\">8. 2023\ub144 8\uc6d4 11\uc77c \uae30\uc900, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ud55c\ub3c4\ub294 \uc544\uc9c1 \uc18c\uc9c4\ub418\uc9c0 \uc54a\uc558\uc73c\uba70, \uc2dc\uc911\uc740\ud589\uc5d0\uc11c\ub294 2023\ub144 7\uc6d4 30\uc77c\ubd80\ud130 \uc0c1\ub2f4 \ubc0f \uc2e0\uccad\uc744 \uc7ac\uac1c\ud588\uc2b5\ub2c8\ub2e4. 2023\ub144 8\uc6d4\ubd80\ud130 \uc77c\ubc18\ud615 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc5d0 \ub300\ud574\uc11c\ub294 \uae08\ub9ac\ub97c 0.25%p\ub97c \uc778\uc0c1\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #000000;\">9. \ub300\ucd9c \ud544\uc694\uc11c\ub958\ub294 \uacf5\ud1b5\uc11c\ub958\uc640 \uc18c\ub4dd\uc11c\ub958\ub85c \ub418\uc5b4\uc788\uc73c\uba70, <strong>\uae00 \uac00\uc7a5 \ud558\ub2e8\uc758 \uc774\ubbf8\uc9c0\ub97c \ucc38\uace0<\/strong>\ud558\uc138\uc694.<\/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-b4a140c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b4a140c\" 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-aab3e63\" data-id=\"aab3e63\" 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-aef3346 elementor-widget elementor-widget-text-editor\" data-id=\"aef3346\" 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=\"1_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC_T%EC%9C%A0%ED%98%95%EA%B3%BC_%EC%95%84%EB%82%8Ce_%EC%B0%A8%EC%9D%B4%EB%8A%94_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\"><\/span><span style=\"color: #000000;\"><strong>1. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac T\uc720\ud615\uacfc \uc544\ub08ce \ucc28\uc774\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac T\uc720\ud615\uacfc \uc544\ub08cE \ucc28\uc774\uc5d0 \ub300\ud55c \ub0b4\uc6a9\uc740 \uc544\ub798\uc758 \ub9c1\ud06c\ub97c \ucc38\uace0\ud558\uc138\uc694.<\/span><\/p><p><span style=\"font-size: 14pt; color: #0000ff;\"><em><strong>\ub9c1\ud06c : \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac T\uc720\ud615\uacfc \uc544\ub08cE \ube44\uad50<\/strong><\/em><\/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-2981c2b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2981c2b\" 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-d4ff019\" data-id=\"d4ff019\" 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-6a9e347 elementor-widget elementor-widget-text-editor\" data-id=\"6a9e347\" 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=\"2_%EC%9C%A0%EC%A3%BC%ED%83%9D%EC%9E%90%EB%8F%84_%EA%B0%80%EB%8A%A5%ED%95%9C_%EB%8C%80%EC%B6%9C%EC%9D%B8%EA%B0%80%EC%9A%94\"><\/span><span style=\"color: #000000;\"><strong>2. \uc720\uc8fc\ud0dd\uc790\ub3c4 \uac00\ub2a5\ud55c \ub300\ucd9c\uc778\uac00\uc694?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\"><span style=\"font-size: 14pt; color: #ff0000;\"><strong>\uc720\uc8fc\ud0dd\uc790\ub3c4 \ub300\ucd9c \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/strong><\/span> \ud558\uc9c0\ub9cc \ub300\ucd9c\uc2e4\ud589\uc77c 3\ub144 \ub0b4\ub85c \uc885\uc804 \uc8fc\ud0dd\uc744 <span style=\"color: #ff0000;\"><strong>\ucc98\ubd84\ud574\uc57c\ud558\ub294 \uc720\ud55c\ucc45\uc784\ud615 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/strong><\/span>\uc73c\ub85c \uc2e0\uccad\ud558\uc154\uc57c \ud569\ub2c8\ub2e4. \ub2f4\ubcf4\uc8fc\ud0dd\uc774 \uc544\ud30c\ud2b8\uc778 \uacbd\uc6b0, \ub2f4\ubcf4\uc8fc\ud0dd \uc2ec\uc0ac\ud3c9\uac00 \uacb0\uacfc\uc5d0 \ub530\ub77c\uc11c \uc774\uc6a9\uc5ec\ubd80\uac00 \uacb0\uc815\ub418\uba70, HF\uc5d0 \uc2e0\uccad\ud558\uc2e0 \ud6c4\uc5d0 \ub300\ucd9c \uc2b9\uc778 \uc5ec\ubd80\ub97c \ud655\uc778\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub54c LTV\ub294 10% \ucc28\uac10\ub418\uba70, <span style=\"text-decoration: underline;\">\uc2ec\uc0ac\uc810\uc218 40\uc810 \ubbf8\ub9cc\uc778 \uacbd\uc6b0\uc5d0\ub294 \uc2b9\uc778\uc774 \ubd88\uac00\ub2a5<\/span>\ud569\ub2c8\ub2e4. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc758 <span style=\"text-decoration: underline;\">\uc2ec\uc0ac\uc810\uc218\ub294 HF\ub9cc\uc758 \ub0b4\ubd80\uaddc\uc815\uc774 \uc874\uc7ac\ud558\uc5ec HF \uc804\ud654\uc0c1\ub2f4\uc5d0\uc11c\ub3c4 \ud655\uc778\uc774 \ubd88\uac00\ub2a5<\/span>\ud588\uc2b5\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-a8f5314 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a8f5314\" 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-47759ff\" data-id=\"47759ff\" 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-e618955 elementor-widget elementor-widget-text-editor\" data-id=\"e618955\" 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=\"3_%ED%99%88%ED%8E%98%EC%9D%B4%EC%A7%80%EC%97%90%EC%84%9C_%EC%A1%B0%ED%9A%8C%ED%95%9C_%ED%95%9C%EB%8F%84%EC%99%80_%EC%9D%80%ED%96%89%EC%97%90%EC%84%9C_%EC%A7%81%EC%A0%91_%EC%A1%B0%ED%9A%8C%ED%95%9C_%EA%B2%83%EA%B3%BC_%EB%8B%AC%EB%9D%BC%EC%9A%94_%EC%99%9C_%EC%9D%BC%EA%B9%8C%EC%9A%94\"><\/span><span style=\"color: #000000;\"><strong>3. \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \uc870\ud68c\ud55c \ud55c\ub3c4\uc640 \uc740\ud589\uc5d0\uc11c \uc9c1\uc811 \uc870\ud68c\ud55c \uac83\uacfc \ub2ec\ub77c\uc694. \uc65c \uc77c\uae4c\uc694?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\">\ud648\ud398\uc774\uc9c0\uc5d0\uc11c \uc870\ud68c\ud55c \ub300\ucd9c \ud55c\ub3c4\uc640 \uc740\ud589\uc5d0\uc11c <span style=\"color: #ff0000; font-size: 14pt;\"><strong>\uc9c1\uc811 \uc870\ud68c\ud55c \uac83\uc774 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/span> \ud2b9\ud788, \uad6c\uc785\uc6a9\ub3c4\uc5d0\uc11c\ub294 \uc2dc\uc138\uc815\ubcf4, \uac10\uc815\ud3c9\uac00\uc561, \ub9e4\ub9e4\uac00\uc561(\ub099\ucc30\uac00\uc561, \ubd84\uc591\uacc4\uc57d\uc11c\uc0c1 \uc2e4\ub9e4\ub9e4\uc561 \ub4f1 \ub9e4\uc218\uc778\uc774 \uc2e4\uc81c \uc9c0\uae09\ud55c \uae08\uc561) \uc911 \uc5b4\ub290 \ud558\ub098\ub77c\ub3c4 9\uc5b5\uc6d0\uc744 \ucd08\uacfc\ud558\ub294 \uc8fc\ud0dd\uc740 \ucde8\uae09 \ubd88\uac00\ub2a5\ud569\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-328a1b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"328a1b1\" 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-7a5a0f2\" data-id=\"7a5a0f2\" 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-ef56e45 elementor-widget elementor-widget-text-editor\" data-id=\"ef56e45\" 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=\"4_%EA%B1%B0%EC%B9%98%EA%B8%B0%EA%B0%84%EC%9D%B4_%EC%97%86%EB%8A%94_%EB%8C%80%EC%8B%A0%EC%97%90_%EC%9B%90%EA%B8%88%EC%83%81%ED%99%98_%EC%9C%A0%EC%98%88%EC%A0%9C%EB%8F%84%EB%8A%94_%EB%AD%94%EA%B0%80%EC%9A%94\"><\/span><span style=\"color: #000000;\"><strong>4. \uac70\uce58\uae30\uac04\uc774 \uc5c6\ub294 \ub300\uc2e0\uc5d0 \uc6d0\uae08\uc0c1\ud658 \uc720\uc608\uc81c\ub3c4\ub294 \ubb54\uac00\uc694?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\"><span style=\"font-size: 14pt; color: #ff0000;\"><strong>\uc6d0\uae08\uc0c1\ud658 \uc720\uc608\uc81c\ub3c4\ub294 \ub300\ucd9c\uae30\uac04 \uc911 3\ud68c\uae4c\uc9c0 \uac00\ub2a5<\/strong><\/span>\ud558\uba70, \uc720\uc608 \uae30\uac04 \ub3d9\uc548<span style=\"text-decoration: underline;\"> <strong>\uc774\uc790\ub9cc \ub0a9\ubd80 <\/strong><\/span>\ud558\uac8c \ub418\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \uc6d0\uae08 \uc0c1\ud658 \uc720\uc608 \ub300\uc0c1 \ubc0f \uc81c\uc678 \ub300\uc0c1, \uc720\uc608 \ud69f\uc218 \ubc0f \uae30\uac04 \ub4f1 \uc790\uc138\ud55c \ub0b4\uc6a9\uc740 \uc544\ub798\uc758 \ub0b4\uc6a9\uacfc HF \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ud655\uc778 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.hf.go.kr\/ko\/sub02\/sub01_09_01_01.do\"><em><span style=\"font-size: 14pt;\"><strong>\ub9c1\ud06c : \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac HF \ud648\ud398\uc774\uc9c0<\/strong><\/span><\/em><\/a><\/span><\/p><p><span style=\"color: #000000;\">\ub300\ucd9c\uae30\uac04 \uc911 <strong><span style=\"color: #ff0000;\">\uc6d0\uae08\uc0c1\ud658 \uc720\uc608\uc81c\ub3c4\ub294<\/span><\/strong> <span style=\"color: #ff0000;\"><strong>\ucd5c\ub300 \ucd1d \ud569\uc0b0 3\ud68c\uae4c\uc9c0 \uac00\ub2a5<\/strong><\/span>\ud569\ub2c8\ub2e4. \uc720\uc608\uae30\uac04 \ub3d9\uc548 \uc774\uc790\ub9cc \ub0a9\ubd80\ud558\uac8c \ub418\uba70, \uc720\uc608 \ub300\uc0c1\uc740 \uc2e4\uc9c1(\ud734\uc9c1 \ud3ec\ud568), \ud3d0\uc5c5(\ud734\uc5c5 \ud3ec\ud568), \ubd80\ubd80\ud569\uc0b0 \uc18c\ub4dd 20% \uac10\uc18c, \uc758\ub8cc\ube44 \uc9c0\ucd9c\uaddc\ubaa8\uac00 \ubd80\ubd80\ud569\uc0b0 \uc18c\ub4dd\uc758 10% \ucd08\uacfc, \uac00\uc871 \uc0ac\ub9dd, \ubcf8\uc778 \ub610\ub294 \uac00\uc871\uc774 \uc7a5\uc560\uc778\uc774 \ub41c \uacbd\uc6b0, \uc7ac\ub09c\uc758 \ud53c\ud574 \ubc1c\uc0dd \ub4f1\uc774 \ud574\ub2f9\ub429\ub2c8\ub2e4. \uc81c\uc678 \ub300\uc0c1 \uacc4\uc88c\ub294 \ucc98\ubd84\uc870\uac74\ubd80 \ub300\ucd9c\ub85c\uc11c \uae30\uc874 \uc8fc\ud0dd\uc744 \ubbf8\ucc98\ubd84\ud55c \uacc4\uc88c, \uac1c\uc778\ud68c\uc0dd \uc808\ucc28, \ud30c\uc0b0, \uba74\ucc45 \uc2e0\uccad\uc790\uc758 \uacc4\uc88c \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uc138\ud55c \ub0b4\uc6a9\uc740 HF \ud648\ud398\uc774\uc9c0 \ucc38\uace0\ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p><p><span style=\"font-size: 14pt; color: #0000ff;\"><em><strong>\ube60\ub978 \ub9c1\ud06c : \uc774\ubbf8\uc9c0\u00a0 CLICK !<\/strong><\/em><\/span><\/p><p><a href=\"https:\/\/www.hf.go.kr\/ko\/sub02\/sub01_09_01_01.do\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-806\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ubc14\ub85c\uac00\uae30-001.png?resize=1200%2C286&#038;ssl=1\" alt=\"\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac \ubc14\ub85c\uac00\uae30, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ubc14\ub85c\uac00\uae30,\" width=\"1200\" height=\"286\" data-recalc-dims=\"1\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ubc14\ub85c\uac00\uae30-001.png?w=1260&amp;ssl=1 1260w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ubc14\ub85c\uac00\uae30-001.png?resize=300%2C71&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ubc14\ub85c\uac00\uae30-001.png?resize=1024%2C244&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ubc14\ub85c\uac00\uae30-001.png?resize=768%2C183&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/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-e64dc7d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e64dc7d\" 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-6328419\" data-id=\"6328419\" 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-1691f0c elementor-widget elementor-widget-text-editor\" data-id=\"1691f0c\" 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=\"5_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0%EC%9C%BC%EB%A1%9C_%EB%8C%80%EC%B6%9C_%EB%B0%9B%EA%B3%A0_%EC%8B%B6%EC%9D%80%EB%8D%B0_%EC%9E%90%EA%B8%88%EC%9D%B4_%EB%B6%80%EC%A1%B1%ED%95%A0_%EB%95%8C%EC%9D%98_%EA%BF%80%ED%8C%81%EC%9D%B4_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><span style=\"color: #000000;\"><strong>5. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc73c\ub85c \ub300\ucd9c \ubc1b\uace0 \uc2f6\uc740\ub370 \uc790\uae08\uc774 \ubd80\uc871\ud560 \ub54c\uc758 <span style=\"text-decoration: underline;\">\uafc0\ud301<\/span>\uc774 \uc788\ub098\uc694?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\">\ub124! \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ubc1b\uae30 \uc704\ud574\uc11c\ub294 <span style=\"color: #ff0000;\"><strong>DTI\uc640 LTV\ub9cc \ucda9\uc871\ud558\uba74 \ub418\uae30 \ub54c\ubb38\uc5d0,<\/strong><\/span> \uc790\uae08 \ubd80\uc871 \uc2dc <span style=\"color: #ff0000;\"><strong>\uba3c\uc800 \uc2e0\uc6a9\ub300\ucd9c\uc744 \ubc1b\uace0<\/strong><\/span> \uadf8 \uc774\ud6c4\uc5d0 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc2e0\uccad\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. <span style=\"text-decoration: underline;\">DSR \uc801\uc6a9\uc744 \ubc1b\ub294 \uc2e0\uc6a9\ub300\ucd9c\uc744 \ubc1b\uac8c \ub418\uba74 \ud55c\ub3c4\uac00 \uc904\uc5b4\ub4e4 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/span><\/span><\/p><p><span style=\"color: #000000;\">\uc774\ub807\uac8c \uc790\uae08 \ubd80\uc871 \uc2dc, \uba3c\uc800 \uc2e0\uc6a9\ub300\ucd9c\uc744 \ubc1b\uace0, \uadf8 <span style=\"color: #ff0000;\"><strong>\uc774\ud6c4\uc5d0 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc2e0\uccad\ud558\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/strong> <\/span>\uc774\uc720\ub294 \uc2e0\uc6a9\ub300\ucd9c\uc740 DSR \uc801\uc6a9\uc744 \ubc1b\uc544 \ud55c\ub3c4\uac00 \uc904\uc5b4\ub4e4 \uc218 \uc788\uae30 \ub54c\ubb38\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-d7b1025 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7b1025\" 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-7cd32d7\" data-id=\"7cd32d7\" 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-78b1207 elementor-widget elementor-widget-text-editor\" data-id=\"78b1207\" 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=\"6_%EC%9E%94%EA%B8%88%EA%B8%B0%EC%9D%BC%EC%9D%B4_%EC%9E%84%EB%B0%95%ED%96%88%EB%8A%94%EB%8D%B0_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0_%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EC%9D%84%EA%B9%8C%EC%9A%94_%EB%98%90_%EC%9A%B0%EB%8C%80%EA%B8%88%EB%A6%AC%EB%8A%94_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%90%98%EB%82%98%EC%9A%94\"><\/span><span style=\"color: #000000;\"><strong>6. \uc794\uae08\uae30\uc77c\uc774 \uc784\ubc15\ud588\ub294\ub370 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ubc1b\uc744 \uc218 \uc788\uc744\uae4c\uc694? \ub610, \uc6b0\ub300\uae08\ub9ac\ub294 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\">\ud574\ub2f9 \ub0b4\uc6a9\uc758 \ub2f5\ubcc0\uc5d0 \uad00\ud55c \ub0b4\uc6a9\uc740 \ub9c1\ud06c\ub97c \ucc38\uace0\ud558\uc138\uc694.<\/span><\/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%A01%ED%8E%B8\/\"><span style=\"font-size: 14pt;\"><em><strong>\ub9c1\ud06c : \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 1\ud3b8 \u2013 \uc18c\uc694\uae30\uac04 &amp; \uae08\ub9ac \ubaa9\ucc28 \ucc38\uace0<\/strong><\/em><\/span><\/a><\/span><\/p><h2><span class=\"ez-toc-section\" id=\"7_%EA%B8%B0%EC%A1%B4_%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C%EC%9D%B4_%EC%9E%88%EB%8A%94_%EA%B2%BD%EC%9A%B0%EC%97%90_%EC%8B%A0%EA%B7%9C_%EC%A3%BC%ED%83%9D%EC%9D%84_%EA%B5%AC%EC%9E%85%ED%95%98%EA%B3%A0_%EC%8B%B6%EC%9D%80%EB%8D%B0_%EC%9D%B4%EB%95%8C%EB%8F%84_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0%EC%9D%84_%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><span style=\"color: #000000;\"><strong>7. \uae30\uc874 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc774 \uc788\ub294 \uacbd\uc6b0\uc5d0 \uc2e0\uaddc \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\uace0 \uc2f6\uc740\ub370 \uc774\ub54c\ub3c4 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 <span style=\"font-size: 14pt; color: #ff0000;\"><strong>2023\ub144 3\uc6d4\ubd80\ud130 \ucd94\uac00 \ub300\ucd9c\uc744 \uc9c0\uc6d0\ud558\uc9c0 \uc54a\uace0 \uc788\uc5b4,<\/strong><\/span> <span style=\"text-decoration: underline;\"><strong>\uae30\uc874<\/strong><\/span> \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 <span style=\"color: #ff0000;\"><strong>\ub300\ud658\ub9cc \uac00\ub2a5<\/strong><\/span>\ud569\ub2c8\ub2e4.<\/span><\/p><h2><span class=\"ez-toc-section\" id=\"8_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0_%ED%95%9C%EB%8F%84%EC%86%8C%EC%A7%84_%EB%90%90%EB%82%98%EC%9A%94\"><\/span><span style=\"color: #000000;\"><strong>8. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ud55c\ub3c4\uc18c\uc9c4 \ub410\ub098\uc694?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\">2023\ub144 8\uc6d4 11\uc77c \uae30\uc900, <span style=\"color: #ff0000; font-size: 14pt;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ud55c\ub3c4\ub294 \uc18c\uc9c4\ub418\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4.<\/strong><\/span> \uc77c\ubd80 \ube14\ub85c\uadf8\uc5d0\uc11c\ub294<span style=\"text-decoration: underline;\"> \uc7a0\uc815 \uc911\ub2e8\ub418\uc5c8\ub2e4\ub294 \uae00\uc774 \uc788\uc73c\ub098, \uc2dc\uc911\uc740\ud589\uc5d0\uc11c\ub294 2023\ub144 7\uc6d4 30\uc77c\ubd80\ud130 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 t \uc720\ud615\uc5d0 \ub300\ud55c \uc0c1\ub2f4\uacfc \uc2e0\uccad\uc744 \uc7ac\uac1c<\/span>\ud588\uc73c\ub2c8 \ucc38\uace0\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p><h2><span class=\"ez-toc-section\" id=\"9_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0_%EB%8C%80%EC%B6%9C_%ED%95%84%EC%9A%94%EC%84%9C%EB%A5%98%EB%8A%94_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%90%98%EB%82%98%EC%9A%94\"><\/span><span style=\"color: #000000;\"><strong>9. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \ud544\uc694\uc11c\ub958\ub294 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\">\uc544\ub798\uc758 \uc774\ubbf8\uc9c0\ub85c \ub300\uccb4\ud558\uba70, \ub354 \uc790\uc138\ud55c \uc0ac\ud56d\uc740 \uc544\ub798\uc758 \ub9c1\ud06c \ucc38\uace0\ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p><p><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\/#%EC%8B%A0%EC%B2%AD_%EC%8B%9C_%ED%95%84%EC%9A%94%EC%84%9C%EB%A5%98\"><span style=\"color: #0000ff;\"><strong><em><span style=\"font-size: 14pt;\">\ub9c1\ud06c : \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ud544\uc694\uc11c\ub958<\/span><\/em><\/strong><\/span><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66bc8ce elementor-widget elementor-widget-image\" data-id=\"66bc8ce\" 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<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"488\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc2e0\uccad\uc11c\ub9581.png?fit=1024%2C488&amp;ssl=1\" class=\"attachment-large size-large wp-image-659\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ud544\uc694\uc11c\ub958 \uc815\ub9ac, \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,\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc2e0\uccad\uc11c\ub9581.png?w=1260&amp;ssl=1 1260w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc2e0\uccad\uc11c\ub9581.png?resize=300%2C143&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc2e0\uccad\uc11c\ub9581.png?resize=1024%2C488&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc2e0\uccad\uc11c\ub9581.png?resize=768%2C366&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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<div class=\"elementor-element elementor-element-43cd008 elementor-widget elementor-widget-image\" data-id=\"43cd008\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\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\/\uc2e0\uccad\uc11c\ub9582.png?fit=1024%2C488&amp;ssl=1\" class=\"attachment-large size-large wp-image-660\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ud544\uc694\uc11c\ub958 \uc815\ub9ac, \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\ub08ce \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 e, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc544\ub08ce, \uc544\ub08ce \uc2e0\uccad\uc694\uac74, \uc544\ub08ce \uc18c\uc694\uc2dc\uac04, \uc544\ub08ce \ub300\ucd9c\uc11c\ub958, \uc544\ub08ce \uc2e0\uc6a9\ub300\ucd9c, t \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 t, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 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1\ud3b8\uc5d0\uc11c\ub294 \ud55c\ub3c4, \uae08\ub9ac, \uc720\uc8fc\ud0dd\uc790 \ub4f1\uc744 \ubc30\uc6b4 \uacbd\ud5d8\uc744 \ubc14\ud0d5\uc73c\ub85c \uc124\uba85\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc774\ubc88\uc5d0\ub294 \uc790\uc8fc\ud558\ub294 \uc9c8\ubb38\uc5d0 \ub300\ud55c \ub2f5\ubcc0\uc744 \ub2e4\ub8ec \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 2\ud3b8\uc744 \uc18c\uac1c\ud569\ub2c8\ub2e4. \uc544\ub798\uc758 \ub0b4\uc6a9\uacfc \ub9c1\ud06c\ub97c \ud1b5\ud574 \uc790\uc138\ud55c \ub0b4\uc6a9\uc744 \ud655\uc778\ud574\ubcf4\uc138\uc694. \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 1. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac T\uc720\ud615\uacfc \uc544\ub08cE \ucc28\uc774\ub294 \ub9c1\ud06c\ub97c \ucc38\uace0\ud558\uc138\uc694. 2. \uc720\uc8fc\ud0dd\uc790\ub3c4 \ub300\ucd9c \uac00\ub2a5\ud558\uba70, \uc720\ud55c\ucc45\uc784\ud615 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc73c\ub85c \uc2e0\uccad\ud574\uc57c &#8230; <a title=\"[\ub2f4\ubcf4\ub300\ucd9c\/\ud6c4\uae30] \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ubc1b\ub294 \uafc0\ud301, \uc790\uaca9, \uc790\uae08\ubd80\uc871\ud560 \ub550 \uc5b4\ub5bb\uac8c?\" 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%a02%ed%8e%b8\/\" aria-label=\"More on [\ub2f4\ubcf4\ub300\ucd9c\/\ud6c4\uae30] \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ubc1b\ub294 \uafc0\ud301, \uc790\uaca9, \uc790\uae08\ubd80\uc871\ud560 \ub550 \uc5b4\ub5bb\uac8c?\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":665,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-658","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\/\ud6c4\uae30] \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ubc1b\ub294 \uafc0\ud301, \uc790\uaca9, \uc790\uae08\ubd80\uc871\ud560 \ub550 \uc5b4\ub5bb\uac8c? - \uc787\ubc38\ub9ac \ud83d\udce6<\/title>\n<meta name=\"description\" content=\"\uc9c0\ub09c \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac 1\ud3b8\uc5d0\uc11c\ub294 \uacbd\ud5d8\uacfc \ubc30\uc6c0\uc5d0 \uadfc\uac70\ud558\uc5ec \ud55c\ub3c4, \uae08\ub9ac, 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