{"id":14222,"date":"2020-11-16T05:50:27","date_gmt":"2020-11-15T20:50:27","guid":{"rendered":"http:\/\/hyunsik.me\/wordpress\/?p=14222"},"modified":"2020-11-24T04:33:32","modified_gmt":"2020-11-23T19:33:32","slug":"%ec%a7%a7%ea%b3%a0-%ec%89%ac%ec%9a%b4-%ea%b2%bd%ec%a0%9c-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ea%b7%b8%eb%a6%ac%ea%b3%a0-ltv-dti-dsr%ec%9d%80-%eb%ac%b4%ec%97%87%ec%9d%b8","status":"publish","type":"post","link":"http:\/\/hyunsik.me\/wordpress\/?p=14222","title":{"rendered":"[\uc9e7\uace0 \uc26c\uc6b4 \uacbd\uc81c] \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, \uadf8\ub9ac\uace0 LTV, DTI, DSR\uc740 \ubb34\uc5c7\uc778\uac00?"},"content":{"rendered":"<p>[mqe][\/mqe]<\/p>\n<p><img src=\"http:\/\/hyunsik.me\/wordpress\/wp-content\/uploads\/2020\/11\/house-1-1024x342.png\" alt=\"\" width=\"580\" \/><\/p>\n<p>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 \uc8fc\ud0dd\uc744 \ub2f4\ubcf4\ub85c\ud558\ub294 \uc7a5\uae30 \ub300\ucd9c\uc0c1\ud488\uc744 \uc758\ubbf8\ud55c\ub2e4. \uc8fc\ud0dd\ub2f4\ubcf4 \ub300\ucd9c\uc740 \ubcf4\ud1b5 LTV, DTI, DSR \ub4f1\uc744 \ud1b5\ud574 \uc81c\ud55c\uc744 \ubc1b\ub294\ub2e4.<\/p>\n<ul>\n<li>\ubaa8\uae30\uc9c0\ub860\uc744 \ud1b5\ud574 \uc7a5\uae30\uc8fc\ud0dd\uc790\uae08\uc744 \ub300\ucd9c\ud574\uc900\ub2e4. \uc6b0\ub9ac\ub098\ub77c\uc5d0\uc11c\ub294 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uac00 \uc6b4\uc6a9\ud55c\ub2e4.<\/li>\n<li>\ubc95\ub960\uc801 \uad00\uc810\uc5d0\uc11c \ubaa8\uae30\uc9c0(mortgage)\ub294 \uae08\uc735 \uac70\ub798\uc5d0\uc11c \ubd80\ub3d9\uc0b0\uc744 \ub2f4\ubcf4\ub85c \ud558\ub294 \uacbd\uc6b0 \uadf8 \ubd80\ub3d9\uc0b0\uc5d0 \uc124\uc815\ub418\ub294 \uc800\ub2f9\uad8c \ub610\ub294 \uadf8 \uc800\ub2f9\uad8c\uc744 \ub098\ud0c0\ub0b4\ub294 \uc99d\uc11c\ub97c \ub9d0\ud558\uba70, \ubaa8\uae30\uc9c0\ub860(mortgage loan)\uc740 \uadf8\ub7ec\ud55c \uc800\ub2f9\uc99d\uad8c\uc744 \ubc1c\ud589\ud558\uc5ec \uc7a5\uae30\uc8fc\ud0dd\uc790\uae08\uc744 \ub300\ucd9c\ud574\uc8fc\ub294 \uc81c\ub3c4\ub97c \uac00\ub9ac\ud0a4\ub294 \ub9d0\uc774\ub2e4. \uadf8\ub7ec\ub098 \uc77c\uc0c1\uc801\uc73c\ub85c\ub294 &#8216;\ubaa8\uae30\uc9c0\ub860&#8217;\uc744 \uac04\ub2e8\ud788 &#8216;\ubaa8\uae30\uc9c0&#8217;\ub85c \uc4f0\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4.<\/li>\n<\/ul>\n<p><span style=\"color: #ff0000;\">LTV(Loan To Value Ratio)<\/span>\ub294 \ub2f4\ubcf4 \uc778\uc815 \ube44\uc728\uc774\ub2e4. \ub9cc\uc57d LTV\uac00 60% \uc774\uba74, 5\uc5b5\uc6d0\uc9dc\ub9ac \uc8fc\ud0dd\uc744 \ub2f4\ubcf4\ub85c 3\uc5b5\uc744 \ube4c\ub9b4 \uc218 \uc788\ub2e4. \uc6b0\ub9ac\ub098\ub77c\uc758 \uacbd\uc6b0 2002\ub144\uc5d0 \ub3c4\uc785\ub418\uc5c8\ub2e4. \ub2f4\ubcf4\uc758 \uac00\uce58\uac00 \ud558\ub77d\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uc774\uc5d0 \ub300\ube44\ud55c \uac83\uc774\ub77c\uace0 \ubcf4\uba74 \uc801\uc808\ud560 \uac83 \uac19\ub2e4.<\/p>\n<ul>\n<li>\uc6b0\ub9ac\ub098\ub77c\uc758 \uacbd\uc6b0, \uc8fc\ud0dd\uc758 \uac00\uaca9\uc740 KB\uc2dc\uc138\ub97c \ud1b5\ud574 \ud655\uc815\ub41c\ub2e4.(\uac70\ub798\uac00\uac00 \uc544\ub2c8\ub2e4.)<\/li>\n<\/ul>\n<p><span style=\"color: #ff0000;\">DTI(Debt to Income Ratio)<\/span>\ub294 \ucd1d\ubd80\ucc44 \uc0c1\ud658 \ube44\uc728\uc774\ub2e4. \ub300\ucd9c\uc790\uc758 \uc18c\ub4dd\uc5d0 \ub300\ud55c \ubd80\ucc44\uc758 \ube44\uc728\ub85c, \ub300\ucd9c\uc790\uc758 \uc18c\ub4dd\uc73c\ub85c \uc5f0\uac04 \uc0c1\ud658\uc561(\uc6d0\ub9ac\uae08)\uc744 \ub098\ub208 \uac12\uc774\ub2e4. \ub300\ucd9c\uc790\uc758 \uc18c\ub4dd\uc73c\ub85c \ub300\ucd9c\uc744 \uac1a\uc544\ub098\uac08 \uc218 \uc788\ub294 \uc9c0\ub97c \ubcf4\ub294 \uac83\uc774\ub2e4. DTI\uac00 50%\uc774\uace0 \uc5f0\uc18c\ub4dd\uc774 1000\ub9cc\uc6d0\uc774\ub77c\uba74, 1\ub144\uac04 \uac1a\uc544\uc57c \ud560 \uc6d0\ub9ac\uae08\uc774 500\ub9cc\uc6d0\uc774 \ub118\uc9c0 \uc54a\ub3c4\ub85d \uc124\uc815\ub41c\ub2e4.<\/p>\n<ul>\n<li>\uc6d0\ub9ac\uae08 = \uc6d0\uae08 + \uc774\uc790<\/li>\n<\/ul>\n<p><span style=\"color: #ff0000;\">DSR(Debt Service Ratio)<\/span>\uc740 \ucc44\ubb34 \uc0c1\ud658 \ube44\uc728\uc774\ub2e4. \ucd1d\ubd80\uc7ac\uc6d0\ub9ac\uae08\uc0c1\ud658\ube44\uc728\uc774\ub2e4. \ubaa8\ub4e0 \ub300\ucd9c\uc5d0 \ub300\ud574 \uc6d0\ub9ac\uae08 \uc0c1\ud658 \ubd80\ub2f4\uc744 \uacc4\uc0b0\ud558\ub294 \uc9c0\ud45c\ub85c, \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ubfd0\ub9cc \uc544\ub2c8\ub77c \ub300\ucd9c\uc790\uc758 \ubaa8\ub4e0 \uae08\uc735\uad8c \ub300\ucd9c \uc6d0\ub9ac\uae08 \ubd80\ub2f4\uc744 \ubc18\uc601\ud55c\ub2e4.<\/p>\n<p>DTI\ub294 \uc18c\ub4dd \ub300\ube44 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc6d0\ub9ac\uae08\uc5d0 \ub2e4\ub978 \ub300\ucd9c\uc758 <span style=\"color: #0000ff;\">\uc774\uc790<\/span>\ub97c \ub354\ud55c \uae08\uc735\ubd80\ucc44\ub85c \ub300\ucd9c\ud55c\ub3c4\ub97c \uacc4\uc0b0\ud558\uc9c0\ub9cc, DSR\uc740 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \uc6d0\ub9ac\uae08\ubfd0\ub9cc \uc544\ub2c8\ub77c \ub2e4\ub978 \ubaa8\ub4e0 \ub300\ucd9c\uc758 \uc6d0\uae08\uacfc \uc774\uc790\ub97c \ubaa8\ub450 \ub354\ud55c <span style=\"color: #0000ff;\">\uc6d0\ub9ac\uae08 \uc0c1\ud658\uc561<\/span>\uc73c\ub85c \ub300\ucd9c \uc0c1\ud658 \ub2a5\ub825\uc744 \uc2ec\uc0ac\ud558\uae30 \ub54c\ubb38\uc5d0 \ub354 \uc5c4\uaca9\ud558\ub2e4.<\/p>\n<p>DTI = (\uc8fc\ub2f4\ub300 \uc6d0\uae08+ \uc8fc\ub2f4\ub300 \uc774\uc790) + <span style=\"color: #0000ff;\">(\uae30\ud0c0\ub300\ucd9c \uc774\uc790)<\/span> \/ \uc5f0\uac04\uc18c\ub4dd<br \/>\nDSR = (\uc8fc\ub2f4\ub300 \uc6d0\uae08+ \uc8fc\ub2f4\ub300 \uc774\uc790) +<span style=\"color: #0000ff;\"> (\uae30\ud0c0\ub300\ucd9c \uc6d0\uae08 + \uae30\ud0c0\ub300\ucd9c \uc774\uc790)<\/span> \/ \uc5f0\uac04\uc18c\ub4dd<\/p>\n<p>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc5d0 \ub300\ud55c LTV, DTI, DSR \ub4f1\uc758 \uaddc\uc81c\ub294 \uc8fc\ud0dd\uc758 \uac00\uaca9 \uc0c1\uc2b9\uc744 \ub9c9\ub294 \uc81c\ub3c4\uc774\uc9c0\ub9cc, \ub2e4\ub978 \ud55c\ud3b8\uc73c\ub85c\ub294 \uc8fc\ud0dd \uac00\uaca9\uc758 \ud3ed\ub77d\uc744 \ub9c9\ub294 \uc81c\ub3c4\uc774\uae30\ub3c4 \ud558\ub2e4.<\/p>\n<p>[mqe][\/mqe]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[mqe][\/mqe] \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 \uc8fc\ud0dd\uc744 \ub2f4\ubcf4\ub85c\ud558\ub294 \uc7a5\uae30 \ub300\ucd9c\uc0c1\ud488\uc744 \uc758\ubbf8\ud55c\ub2e4. \uc8fc\ud0dd\ub2f4\ubcf4 \ub300\ucd9c\uc740 \ubcf4\ud1b5 LTV, DTI, DSR \ub4f1\uc744 \ud1b5\ud574 \uc81c\ud55c\uc744 \ubc1b\ub294\ub2e4. \ubaa8\uae30\uc9c0\ub860\uc744 \ud1b5\ud574 \uc7a5\uae30\uc8fc\ud0dd\uc790\uae08\uc744 \ub300\ucd9c\ud574\uc900\ub2e4. \uc6b0\ub9ac\ub098\ub77c\uc5d0\uc11c\ub294 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uac00 \uc6b4\uc6a9\ud55c\ub2e4. \ubc95\ub960\uc801 \uad00\uc810\uc5d0\uc11c \ubaa8\uae30\uc9c0(mortgage)\ub294 \uae08\uc735 \uac70\ub798\uc5d0\uc11c \ubd80\ub3d9\uc0b0\uc744 \ub2f4\ubcf4\ub85c \ud558\ub294 \uacbd\uc6b0 \uadf8 \ubd80\ub3d9\uc0b0\uc5d0 \uc124\uc815\ub418\ub294 \uc800\ub2f9\uad8c \ub610\ub294 \uadf8 \uc800\ub2f9\uad8c\uc744 \ub098\ud0c0\ub0b4\ub294 \uc99d\uc11c\ub97c \ub9d0\ud558\uba70, \ubaa8\uae30\uc9c0\ub860(mortgage loan)\uc740 \uadf8\ub7ec\ud55c \uc800\ub2f9\uc99d\uad8c\uc744 \ubc1c\ud589\ud558\uc5ec \uc7a5\uae30\uc8fc\ud0dd\uc790\uae08\uc744 \ub300\ucd9c\ud574\uc8fc\ub294 \uc81c\ub3c4\ub97c \uac00\ub9ac\ud0a4\ub294 \ub9d0\uc774\ub2e4. \uadf8\ub7ec\ub098 \uc77c\uc0c1\uc801\uc73c\ub85c\ub294 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[1907],"tags":[2320,2321,2319,1098,2318],"jetpack_featured_media_url":"","views":"","jetpack-related-posts":[],"_links":{"self":[{"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/14222"}],"collection":[{"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14222"}],"version-history":[{"count":14,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/14222\/revisions"}],"predecessor-version":[{"id":14563,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/14222\/revisions\/14563"}],"wp:attachment":[{"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14222"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}