{"id":673,"date":"2023-08-11T23:22:51","date_gmt":"2023-08-11T14:22:51","guid":{"rendered":"https:\/\/11am.i234.me\/itvalley\/?p=673"},"modified":"2023-09-17T21:19:17","modified_gmt":"2023-09-17T12:19:17","slug":"%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","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%a0%ec%b0%a8%ec%9d%b41%ed%8e%b8\/","title":{"rendered":"[\ub2f4\ubcf4\ub300\ucd9c\/\ud6c4\uae30] \ubb50\uac00 \ub354 \ube60\ub97c\uae4c? \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc544\ub08cE\uc640 T\uc720\ud615 \ube44\uad50"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"673\" class=\"elementor elementor-673\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0e054de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e054de\" 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-9c69625\" data-id=\"9c69625\" 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-92e972f elementor-widget elementor-widget-text-editor\" data-id=\"92e972f\" 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<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-67419140374bf\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 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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%a0%ec%b0%a8%ec%9d%b41%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%a0%ec%b0%a8%ec%9d%b41%ed%8e%b8\/#%EC%95%84%EB%82%8C_E_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0\" title=\"\uc544\ub08c E \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\">\uc544\ub08c E \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/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%a0%ec%b0%a8%ec%9d%b41%ed%8e%b8\/#%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0_T_%EC%9C%A0%ED%98%95\" title=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 T \uc720\ud615\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 T \uc720\ud615<\/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%a0%ec%b0%a8%ec%9d%b41%ed%8e%b8\/#%EC%95%84%EB%82%8C_E%EC%99%80_%ED%8A%B9%EB%A1%80_T_%EB%B9%84%EA%B5%90\" title=\"\uc544\ub08c E\uc640 \ud2b9\ub840 T \ube44\uad50\">\uc544\ub08c E\uc640 \ud2b9\ub840 T \ube44\uad50<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><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%a0%ec%b0%a8%ec%9d%b41%ed%8e%b8\/#%EA%B3%B5%ED%86%B5%EC%A0%90\" title=\"\uacf5\ud1b5\uc810 \">\uacf5\ud1b5\uc810 <\/a><\/li><li class='ez-toc-page-1 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%a0%ec%b0%a8%ec%9d%b41%ed%8e%b8\/#%EC%B0%A8%EC%9D%B4%EC%A0%90\" title=\"\ucc28\uc774\uc810 \">\ucc28\uc774\uc810 <\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EC%9A%94%EC%95%BD\"><\/span><strong><span style=\"color: #000000;\">\uc694\uc57d<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc544\ub08c E\uc640 T \uc720\ud615\uc740 \ud55c\ub3c4\uc640 \uc2dc\uc138, \uae08\ub9ac\uac00 \ub3d9\uc77c\ud558\uc9c0\ub9cc \ubc29\ubc95\uacfc \uc18c\uc694 \uae30\uac04\uc774 \uc0c1\uc774\ud569\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #000000;\">\uc544\ub08c E\ub294 \ucc44\ubb34\uc790\uac00 \uc9c1\uc811 HF\uc5d0 \uc11c\ub958 \ub4f1 \ubcf8\uc778\uc778\uc99d \uc808\ucc28\ub97c \uac70\uccd0 \uc2e0\uccad\ud558\ubbc0\ub85c \ub2e4\ub978 \uc720\ud615\ubcf4\ub2e4 \ube68\ub9ac \uc9c4\ud589\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. T \uc720\ud615\uc740 \ube44\ub300\uba74\uc73c\ub85c \uc2e0\uccad\ud558\uae30 \uc5b4\ub824\uc6b4 \uacbd\uc6b0\uc5d0 \uc81c\uacf5\ub418\ub294 \uc720\ud615\uc785\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #000000;\">\uc794\uae08\uc77c\uc774 30\uc77c \uc774\ub0b4\uc778 \uacbd\uc6b0, \uc740\ud589 \ub0b4\ubd80 \uaddc\uc815\uc0c1 30\uc77c \uc774\ub0b4\uc758 \ub300\ucd9c\uc740 \uc2e0\uccad\ubc1b\uc9c0 \ub9d0\ub77c\ub294 \uaddc\uc815\uc774 \uc788\uc73c\ubbc0\ub85c \uc790\uae08 \uc900\ube44 \uacc4\ud68d\uc744 \ubbf8\ub9ac \uc138\uc6b0\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #000000;\"><span style=\"text-decoration: underline;\">\uc544\ub08c E\uc640 T \uc720\ud615\uc758 \uacf5\ud1b5\uc810\uc740 DTI 60% \uc774\ub0b4, LTV 70% \uc774\ub0b4, \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed\uc778 \uacbd\uc6b0\uc5d0\ub294 \uac01\uac01 10% \ud558\ud5a5 \uc870\uc815<\/span>\uc774\uba70 <span style=\"text-decoration: underline;\">\uc2dc\uc138\ub294 KB\uc2dc\uc138 \ub610\ub294 \ud55c\uad6d\ubd80\ub3d9\uc0b0\uc6d0\uc758 \uc0c1, \ud558\ud55c\uc758 \ud3c9\uade0\uac00\ub97c \uc801\uc6a9<\/span>\ud569\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #000000;\">\uc544\ub08c E\uc640 T \uc720\ud615\uc758 \ucc28\uc774\uc810\uc740 \uc11c\ub958 \uc81c\ucd9c \ubc29\ubc95\uacfc \uc2e0\uccad \uc808\ucc28\uc5d0 \ub530\ub978 \uc18c\uc694 \uc2dc\uac04\uc774 \ub2e4\ub974\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c <span style=\"text-decoration: underline;\">\uc794\uae08\uc77c\uc774 30\uc77c \uc774\ub0b4\uc778 \uacbd\uc6b0, \uc544\ub08c E\ub85c \uc2e0\uccad\ud558\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/span><\/span><\/p><p><span style=\"color: #000000;\">\uc774\ub807\uac8c \uc774\ubc88\uc5d0\ub294 <strong><span style=\"text-decoration: underline;\">\uc6b0\ub300\uae08\ub9ac 0.1%\ub97c \uc801\uc6a9<\/span><\/strong>\ud558\ub294 \uc720\ud615 \ub450 \uac00\uc9c0\uc5d0 \uad00\ud558\uc5ec \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uc600\uc2b5\ub2c8\ub2e4. <strong><span style=\"text-decoration: underline;\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\uc678\uc5d0\ub3c4 \uc911\uc18c\uae30\uc5c5\uccad\ub144\uc790\uae08\ub300\ucd9c(HF) \uc0c1\ud488\uc5d0 \uad00\ud55c \ub0b4\uc6a9\ub3c4 \uc787\ubc38\ub9ac\uc758 \ube14\ub85c\uadf8\uc5d0 \uc815\ubcf4<\/span><\/strong>\uac00 \uc788\uc73c\ub2c8 \ud544\uc694\ud558\uc2e4 \ub54c \uc790\uc8fc \ubc29\ubb38\ud574\uc8fc\uc2dc\uba74 \uac10\uc0ac\ud558\uaca0\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-75c2c4f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75c2c4f\" 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-3f3b04b\" data-id=\"3f3b04b\" 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-3e9e715 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3e9e715\" 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%95%84%EB%82%8C_E_%ED%8A%B9%EB%A1%80%EB%B3%B4%EA%B8%88%EC%9E%90%EB%A6%AC%EB%A1%A0\"><\/span><strong><span style=\"color: #000000;\">\uc544\ub08c E \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\"><span style=\"color: #ff0000; font-size: 14pt;\"><strong>\ud55c\ub3c4\uc640 \uc2dc\uc138, \uae08\ub9ac\ub294<\/strong><\/span> \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc544\ub08c E\uc640 T \uc720\ud615\uc774 <span style=\"color: #ff0000;\"><strong>\ub3d9\uc77c<\/strong><\/span>\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc, <span style=\"font-size: 14pt; color: #ff0000;\"><strong>\uc11c\ub958\uc81c\ucd9c \ubc29\ubc95\uacfc \uc18c\uc694 \uae30\uac04(\uc2dc\uac04)<\/strong><\/span>\uc774 \uc0c1\uc774\ud569\ub2c8\ub2e4.<\/span><\/p><p style=\"font-family: -apple-system, system-ui, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol'; font-style: normal;\"><strong><span style=\"color: #000000;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-686\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc544\ub08cE.png?resize=1200%2C571&#038;ssl=1\" alt=\"\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\" width=\"1200\" height=\"571\" data-recalc-dims=\"1\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc544\ub08cE.png?w=1260&amp;ssl=1 1260w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc544\ub08cE.png?resize=300%2C143&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc544\ub08cE.png?resize=1024%2C488&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc544\ub08cE.png?resize=768%2C366&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/strong><\/p><p><span style=\"color: #000000;\">\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740<strong><span style=\"text-decoration: underline; color: #ff0000;\"> HF\uc5d0\uc11c \ub300\ucd9c \uc2ec\uc0ac\ub97c \uc9c4\ud589\ud558\uae30 \ub54c\ubb38\uc5d0 <\/span><\/strong>HF\uc5d0 \uc2e0\uccad\uc77c\uc774 \ub354 \ube60\ub978 \uc2e0\uccad \uac74\uc744 \uc6b0\uc120\ud558\uc5ec \uc2ec\uc0ac \ub2f4\ub2f9\uc790\ub97c \ubc30\uc815\ud55c\ub2e4\uace0 \ud569\ub2c8\ub2e4.<span style=\"color: #ff0000; font-size: 14pt;\"><strong> \uc544\ub08c E<\/strong><\/span>\ub294 \ucc44\ubb34\uc790(\ub300\ucd9c \uc2e0\uccad\ud558\ub294 \uc790)\uac00 <span style=\"text-decoration: underline;\">\uc9c1\uc811 HF\uc5d0 \uc11c\ub958 \ub4f1 \ubcf8\uc778\uc778\uc99d \uc808\ucc28\ub97c \uac70\uccd0 \uc2e0\uccad<\/span>\ud558\uae30 \ub54c\ubb38\uc5d0 \ub2e4\ub978 \uc720\ud615\ubcf4\ub2e4 \ube68\ub9ac \uc2e0\uccad\ub418\uc5b4 <span style=\"text-decoration: underline;\">\uc9c4\ud589\uc774 \uac00\ub2a5<\/span>\ud558\ub2e4\uace0 \ud569\ub2c8\ub2e4.<\/span><\/p><p><span style=\"color: #000000;\">\uc774\uc5d0 \ub530\ub978 \uacbd\ud5d8\ub2f4\uc740 \uc544\ub798\uc758 \ub9c1\ud06c\uc5d0 \uc801\uc5b4\ub450\uc5c8\uc73c\ub2c8 \ucc38\uace0 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p><p><strong><span style=\"color: #0000ff;\"><em><span style=\"font-size: 14pt;\"><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\/#%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\">\ub9c1\ud06c : \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc18c\uc694 \uae30\uac04 \uacbd\ud5d8\ub2f4<\/a><\/span><\/em><\/span><\/strong><\/p><p><span style=\"color: #000000;\">\ub610\ud55c, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc544\ub08c E \uc2e0\uccad <span style=\"color: #ff0000;\"><strong>\ubc14\ub85c\uac00\uae30 \ub9c1\ud06c\ub97c \uc81c\uacf5<\/strong><\/span>\ud569\ub2c8\ub2e4. \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 <span style=\"text-decoration: underline;\">\uc544\ub08cE \uc2e0\uccad\uc744 \uc704\ud574 \uacf5\ub3d9\uc778\uc99d\uc11c(\uad6c \uacf5\uc778\uc778\uc99d\uc11c)\uac00 \ud544\uc694<\/span>\ud558\ub2e4\uace0 \ud558\ub2c8 <span style=\"text-decoration: underline;\">\ubbf8\ub9ac \uc900\ube44<\/span>\ud558\uc5ec \uc8fc\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/span><\/p><p><em><span style=\"color: #0000ff; font-size: 14pt;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.hf.go.kr\/ko\/sub01\/sub01_01_03.do\"><strong>\ub9c1\ud06c : \uc544\ub08cE \uc2e0\uccad \ubc14\ub85c\uac00\uae30<\/strong><\/a><\/span><\/em><\/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-cf39e66 elementor-widget elementor-widget-text-editor\" data-id=\"cf39e66\" 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\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-c798d10 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c798d10\" 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-2cef287\" data-id=\"2cef287\" 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-1d2ea6f elementor-widget elementor-widget-text-editor\" data-id=\"1d2ea6f\" 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%EB%A1%A0_T_%EC%9C%A0%ED%98%95\"><\/span><span style=\"color: #000000;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 T \uc720\ud615<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"color: #000000;\"><strong><span style=\"color: #ff0000;\">\ud55c\ub3c4\uc640 \uc2dc\uc138, \uae08\ub9ac<\/span><\/strong>\ub294 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc544\ub08c E\uc640 T \uc720\ud615\uc774<span style=\"color: #ff0000;\"><strong> \ub3d9\uc77c<\/strong><\/span>\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc, <span style=\"color: #ff0000;\"><strong>\uc11c\ub958\uc81c\ucd9c \ubc29\ubc95\uacfc \uc18c\uc694 \uae30\uac04(\uc2dc\uac04)\uc774 \uc0c1\uc774<\/strong><\/span>\ud569\ub2c8\ub2e4.<\/span><\/p><p style=\"font-family: -apple-system, system-ui, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol'; font-style: normal;\"><strong><span style=\"color: #000000;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-688\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840T.png?resize=1200%2C571&#038;ssl=1\" alt=\"\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 t, t \uc2e0\uccad\uc694\uac74, t \uc18c\uc694\uc2dc\uac04, t \ub300\ucd9c\uc11c\ub958, t \uc2e0\uc6a9\ub300\ucd9c\" width=\"1200\" height=\"571\" data-recalc-dims=\"1\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840T.png?w=1260&amp;ssl=1 1260w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840T.png?resize=300%2C143&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840T.png?resize=1024%2C488&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840T.png?resize=768%2C366&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/strong><\/p><p><span style=\"color: #000000;\"><span style=\"color: #ff0000; font-size: 14pt;\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 T \uc720\ud615<\/strong><\/span>\uc740 <span style=\"text-decoration: underline;\">\ube44\ub300\uba74\uc73c\ub85c \uc2e0\uccad\ud558\uae30\uac00 \uc5b4\ub824\uc6b0\uc2e0 \ubd84<\/span>\ub4e4\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc758 \uc720\ud615 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \uc11c\ub958\uc81c\ucd9c\uacfc \uc2b9\uc778 \ubb38\uc790 \ub4f1\uc744 \ubc29\ubb38\ud558\uc2e0 <span style=\"text-decoration: underline;\">\uc2dc\uc911\uc740\ud589\uc5d0\uc11c \ubaa8\ub4e0 \uc808\ucc28\ub97c \uc9c4\ud589<\/span>\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c <span style=\"color: #ff0000;\"><strong>\uc794\uae08\uc77c\uc774 30\uc77c \uc774\ub0b4<\/strong><\/span>\uc778 \uacbd\uc6b0\uc5d0\ub294 \uc740\ud589 \ub0b4\ubd80\uaddc\uc815 \uc0c1 30\uc77c \uc774\ub0b4\uc758 \ub300\ucd9c\uc740 \uc2e0\uccad\ubc1b\uc9c0 \ub9d0\ub77c\ub294 \uaddc\uc815\uc774 \uc788\ub2e4\uace0 \ud569\ub2c8\ub2e4. \ucc38\uace0\ud558\uc2dc\uace0 \uc790\uae08 \uc900\ube44\uacc4\ud68d\uc744 \uc138\uc6b0\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud574 \ub4dc\ub9bd\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-7552bc2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7552bc2\" 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-c00d921\" data-id=\"c00d921\" 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-2398817 elementor-widget elementor-widget-text-editor\" data-id=\"2398817\" 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%95%84%EB%82%8C_E%EC%99%80_%ED%8A%B9%EB%A1%80_T_%EB%B9%84%EA%B5%90\"><\/span><span style=\"color: #000000;\"><strong>\uc544\ub08c E\uc640 \ud2b9\ub840 T \ube44\uad50<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-678\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\uc720\ud615-\ube44\uad50.png?resize=1200%2C571&#038;ssl=1\" alt=\"\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\" width=\"1200\" height=\"571\" data-recalc-dims=\"1\" 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: 1200px) 100vw, 1200px\" \/><\/p><h3><span class=\"ez-toc-section\" id=\"%EA%B3%B5%ED%86%B5%EC%A0%90\"><\/span><strong><span style=\"color: #000000;\">\uacf5\ud1b5\uc810 <\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"color: #000000; font-family: tahoma, arial, helvetica, sans-serif;\">: <span style=\"text-decoration: underline;\">\ud55c\ub3c4<\/span>\uc640 \uc2dc\uc138\uc5d0 \uad00\ud55c \ub0b4\uc6a9\uc740 \ud2b9\ub840 \ubcf4\uae08\uc790\ub9ac 1\ud3b8\uc5d0\uc11c \uc5b8\uae09\ud588\ub358 \ubc14\uc640 \uac19\uc774<span style=\"text-decoration: underline;\"> DTI 60% \uc774\ub0b4\uc774\uba70 LTV 70% \uc774\ub0b4\uc774\uba70 \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed\uc778 \uacbd\uc6b0\uc5d0\ub294 \uac01\uac01 10% \ud558\ud5a5 \uc870\uc815<\/span>\ud558\uba70, <span style=\"text-decoration: underline;\">\uc2dc\uc138\ub294 KB\uc2dc\uc138\ub85c \uc6b0\uc120 \uc801\uc6a9<\/span>\ud558\uba70 \uc5c6\ub294 \uacbd\uc6b0 \ud55c\uad6d\ubd80\ub3d9\uc0b0\uc6d0\uc758 \uc0c1, \ud558\ud55c\uc758 \ud3c9\uade0\uac00\ub97c \uc801\uc6a9\ud569\ub2c8\ub2e4. \uae08\ub9ac\ub294 \uae30\ubcf8\uae08\ub9ac\uc640 \uc6b0\ub300\uae08\ub9ac 0.1%(\uadf8 \uc678\uc5d0 \ud574\ub2f9\ud558\ub294 \uacbd\uc6b0 \ucd94\uac00 \uc801\uc6a9 \uac00\ub2a5)\uc5d0\uc11c \uacf5\uc81c \ubc0f \uac00\uc0b0\ud558\uc5ec \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"%EC%B0%A8%EC%9D%B4%EC%A0%90\"><\/span><span style=\"font-family: tahoma, arial, helvetica, sans-serif;\"><strong><span style=\"color: #000000;\">\ucc28\uc774\uc810 <\/span><\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"color: #000000;\">: \uc704\uc5d0\uc11c \uc5b8\uae09\ud588\ub358 \ubc14\uc640 \uac19\uc774 \uc11c\ub958 \uc81c\ucd9c \ubc29\ubc95 \ubc0f \uc2e0\uccad \uc808\ucc28\uc5d0 \ub530\ub978 \uc18c\uc694 \uc2dc\uac04\uc774 \uc0c1\uc774\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c <strong><span style=\"color: #ff0000;\">\uc794\uae08\uc77c\uc774 30\uc77c \uc774\ub0b4<\/span><\/strong>\uc778 \uacbd\uc6b0\uc5d0\ub294 <span style=\"color: #ff0000;\"><strong>\uc544\ub08c E\ub85c \uc2e0\uccad\ud558\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c<\/strong><\/span>\ud569\ub2c8\ub2e4.<\/span><\/p><p style=\"text-align: center;\"><strong><span style=\"color: #0000ff;\"><em><span style=\"font-size: 14pt;\"><a style=\"color: #0000ff;\" href=\"https:\/\/11am.i234.me\/itvalley\">\ucc38\uace0\ub9c1\ud06c : \uc787\ubc38\ub9ac \ube14\ub85c\uadf8<\/a><\/span><\/em><\/span><\/strong><\/p><p><a class=\"button_roll\" href=\"https:\/\/11am.i234.me\/itvalley\" data-text=\"\uc787\ubc38\ub9ac \ubc14\ub85c\uac00\uae30\">\ub9c1\ud06c<\/a><\/p><p><span style=\"font-family: arial, helvetica, sans-serif;\"><a class=\"myButton\" href=\"https:\/\/11am.i234.me\/itvalley\">\uc787\ubc38\ub9ac \ubc14\ub85c\uac00\uae30<\/a><\/span><\/p><p><span style=\"font-family: arial, helvetica, sans-serif;\"><a href=\"https:\/\/11am.i234.me\/itvalley\">\uc787\ubc38\ub9ac \ubc14\ub85c\uac00\uae30<\/a><\/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-3ba4d71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ba4d71\" 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-9128eb7\" data-id=\"9128eb7\" 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-63af09b elementor-widget elementor-widget-image\" data-id=\"63af09b\" 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\/%eb%8f%84%ec%8b%9c%ea%b7%bc%eb%a1%9c%ec%9e%90%ec%9b%94%ed%8f%89%ea%b7%a0%ec%86%8c%eb%93%9d-2023\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/09\/\ub3c4\uc2dc\uadfc\ub85c\uc790-\uc378\ub124\uc77c.png?fit=1024%2C1024&amp;ssl=1\" class=\"attachment-large size-large wp-image-1223\" alt=\"\ub3c4\uc2dc\uadfc\ub85c\uc790 \uc6d4\ud3c9\uade0\uc18c\ub4dd 2023, 2023\ub3c4\uc2dc\uadfc\ub85c\uc790 \uc6d4\ud3c9\uade0\uc18c\ub4dd, \uc9c1\uc7a5\uc778\uc6d4\ud3c9\uade0\uc18c\ub4dd\uc870\ud68c\ud558\ub294 \ubc29\ubc95, \uc6d4\ud3c9\uade0\uc18c\ub4dd\uc870\ud68c\ud558\ub294 \ubc29\ubc95, \uc0ac\uc5c5\uc790\uc6d4\ud3c9\uade0\uc18c\ub4dd\uc870\ud68c\ud558\ub294\ubc29\ubc95,\uc8fc\ud0dd\uccad\uc57d\uc870\uac74, \ud2b9\ubcc4\uacf5\uae09\uc18c\ub4dd\uc870\uac74, \uc2e0\uc0dd\uc544\ud2b9\uacf5\uc18c\ub4dd\uc870\uac74,\uc2e0\ud63c\ubd80\ubd80\uc18c\ub4dd\uc870\uac74,\ud2b9\ubcc4\uacf5\uae09\uc870\uac74, \ud2b9\ubcc4\uacf5\uae09 \uc18c\ub4dd\uc870\uac74, \uc784\ub300\uc8fc\ud0dd \uc18c\ub4dd\uc870\uac74, \uccad\uc57d\uc18c\ub4dd\uc870\uac74\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/09\/\ub3c4\uc2dc\uadfc\ub85c\uc790-\uc378\ub124\uc77c.png?w=1080&amp;ssl=1 1080w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/09\/\ub3c4\uc2dc\uadfc\ub85c\uc790-\uc378\ub124\uc77c.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/09\/\ub3c4\uc2dc\uadfc\ub85c\uc790-\uc378\ub124\uc77c.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/09\/\ub3c4\uc2dc\uadfc\ub85c\uc790-\uc378\ub124\uc77c.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/09\/\ub3c4\uc2dc\uadfc\ub85c\uc790-\uc378\ub124\uc77c.png?resize=768%2C768&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-05764f3\" data-id=\"05764f3\" 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-027f0a7 elementor-widget elementor-widget-text-editor\" data-id=\"027f0a7\" 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><strong>\uccad\uc57d \uc2dc, \uc18c\ub4dd\uc694\uac74 \uc870\ud68c \ubc14\ub85c\uac00\uae30<\/strong><\/p><p><strong>1) \uc18c\ub4dd \uae30\uc900 \ubcc4 \uc694\uc728\ud45c \ud55c\ub208\uc5d0 \ubcf4\uae30<\/strong><\/p><p><strong>2) \ub3c4\uc2dc\uadfc\ub85c\uc790 \uc6d4\ud3c9\uade0\uc18c\ub4dd 2023 \ubc14\ub85c \ubcf4\uae30<\/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-a543e3a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a543e3a\" 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-a8fe95f\" data-id=\"a8fe95f\" 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-70e55c1 elementor-widget elementor-widget-image\" data-id=\"70e55c1\" 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\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%a01%ed%8e%b8\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub8601-001.png?fit=1024%2C1024&amp;ssl=1\" class=\"attachment-large size-large wp-image-618\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc720\uc8fc\ud0dd\uc790, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac \ucd94\uac00\ub300\ucd9c, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac \uc18c\uc694\uae30\uac04, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac \ud55c\ub3c4\uc870\ud68c, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac \ucd1d\uc815\ub9ac\ubcf8, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac \uc694\uc57d\ubcf8\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub8601-001.png?w=1080&amp;ssl=1 1080w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub8601-001.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub8601-001.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub8601-001.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/08\/\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub8601-001.png?resize=768%2C768&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-4fda201\" data-id=\"4fda201\" 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-5620d81 elementor-widget elementor-widget-text-editor\" data-id=\"5620d81\" 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><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ucd1d\uc815\ub9ac<\/strong><\/p><p><strong>1) \uc720\uc8fc\ud0dd\uc790 \uac00\ub2a5\uc5ec\ubd80<\/strong><\/p><p><strong>2) \uac70\uce58\uae30\uac04 \ubc0f \uc18c\uc694\uae30\uac04<\/strong><\/p><p><strong>3) \ud55c\ub3c4\uc870\ud68c, \uc2e0\uccad \ubc14\ub85c\uac00\uae30<\/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\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\uc694\uc57d \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc544\ub08c E\uc640 T \uc720\ud615\uc740 \ud55c\ub3c4\uc640 \uc2dc\uc138, \uae08\ub9ac\uac00 \ub3d9\uc77c\ud558\uc9c0\ub9cc \ubc29\ubc95\uacfc \uc18c\uc694 \uae30\uac04\uc774 \uc0c1\uc774\ud569\ub2c8\ub2e4. \uc544\ub08c E\ub294 \ucc44\ubb34\uc790\uac00 \uc9c1\uc811 HF\uc5d0 \uc11c\ub958 \ub4f1 \ubcf8\uc778\uc778\uc99d \uc808\ucc28\ub97c \uac70\uccd0 \uc2e0\uccad\ud558\ubbc0\ub85c \ub2e4\ub978 \uc720\ud615\ubcf4\ub2e4 \ube68\ub9ac \uc9c4\ud589\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. T \uc720\ud615\uc740 \ube44\ub300\uba74\uc73c\ub85c \uc2e0\uccad\ud558\uae30 \uc5b4\ub824\uc6b4 \uacbd\uc6b0\uc5d0 \uc81c\uacf5\ub418\ub294 \uc720\ud615\uc785\ub2c8\ub2e4. \uc794\uae08\uc77c\uc774 30\uc77c \uc774\ub0b4\uc778 \uacbd\uc6b0, \uc740\ud589 \ub0b4\ubd80 \uaddc\uc815\uc0c1 30\uc77c \uc774\ub0b4\uc758 \ub300\ucd9c\uc740 \uc2e0\uccad\ubc1b\uc9c0 \ub9d0\ub77c\ub294 \uaddc\uc815\uc774 \uc788\uc73c\ubbc0\ub85c \uc790\uae08 \uc900\ube44 \uacc4\ud68d\uc744 &#8230; <a title=\"[\ub2f4\ubcf4\ub300\ucd9c\/\ud6c4\uae30] \ubb50\uac00 \ub354 \ube60\ub97c\uae4c? \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc544\ub08cE\uc640 T\uc720\ud615 \ube44\uad50\" 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%a0%ec%b0%a8%ec%9d%b41%ed%8e%b8\/\" aria-label=\"More on [\ub2f4\ubcf4\ub300\ucd9c\/\ud6c4\uae30] \ubb50\uac00 \ub354 \ube60\ub97c\uae4c? \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc544\ub08cE\uc640 T\uc720\ud615 \ube44\uad50\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":678,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-673","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] \ubb50\uac00 \ub354 \ube60\ub97c\uae4c? \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc544\ub08cE\uc640 T\uc720\ud615 \ube44\uad50 - \uc787\ubc38\ub9ac \ud83d\udce6<\/title>\n<meta name=\"description\" content=\"\uc774\ubc88\uc5d0\ub294 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc720\ud615\uc758 \uc6b0\ub300\uae08\ub9ac\ub97c \uc801\uc6a9\ubc1b\ub294 \uc0c1\ud488\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc794\uae08 \uae30\uc77c\uc774 \uc5bc\ub9c8 \ub0a8\uc9c0 \uc54a\uc740 \uacbd\uc6b0 \ub4f1\uc758 \ud648\ud398\uc774\uc9c0\uc5d0\uc11c\ub294 \ub300\ucd9c \uc2e0\uccad \ubc14\ub85c\uac00\uae30 \ub9c1\ud06c\uc640 \ud568\uaed8, \ube14\ub85c\uadf8\uc5d0\ub294 \uacbd\ud5d8\ub2f4\uacfc \ud568\uaed8 \ub2e4\uc591\ud55c \uc720\uc6a9\ud55c \uc815\ubcf4\uac00 \uc81c\uacf5\ub418\uace0 \uc788\uc73c\ub2c8 \uaf2d \ud655\uc778\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/11am.i234.me\/itvalley\/\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\ucc28\uc7741\ud3b8\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[\ub2f4\ubcf4\ub300\ucd9c\/\ud6c4\uae30] \ubb50\uac00 \ub354 \ube60\ub97c\uae4c? 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