{"id":18865,"date":"2022-06-01T02:57:29","date_gmt":"2022-05-31T17:57:29","guid":{"rendered":"http:\/\/hyunsik.me\/wordpress\/?p=18865"},"modified":"2023-11-01T00:14:05","modified_gmt":"2023-10-31T15:14:05","slug":"tmi-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ea%b8%88%eb%a6%ac-%ec%9d%b8%ec%83%81%ec%9d%b4-%ea%b0%80%ed%8c%8c%eb%a5%b4%eb%8b%a4","status":"publish","type":"post","link":"http:\/\/hyunsik.me\/wordpress\/?p=18865","title":{"rendered":"[\uc0dd\uac01] \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac \uc778\uc0c1\uc774 \uac00\ud30c\ub974\ub2e4."},"content":{"rendered":"<p><strong><span style=\"color: #0000ff;font-size:15pt;\">[A] \uae30\uc900\uae08\ub9ac \uc778\uc0c1\uc5d0 \ub530\ub978 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac \uc778\uc0c1<\/span><\/strong><\/p>\n<p>\ucd5c\uadfc\uc5d0 \uc801\uaca9\ub300\ucd9c \uae08\ub9ac\ub97c \ucc3e\uc544\ubcf4\ub2e4\uac00 \uace0\uc815\ud615 \uc801\uaca9\ub300\ucd9c \uae08\ub9ac\uac00 4.4%\uae4c\uc9c0 \uc62c\ub77c\uac00 \uc788\ub294 \uac83\uc744 \ud655\uc778\ud588\ub2e4. \uc640\uc6b0.<\/p>\n<ul>\n<li>\uacfc\uac70\uc5d0 \uc6b0\ub9ac\ub098\ub77c \uae30\uc900\uae08\ub9ac\uac00 1.75%\uc600\ub358 2017\ub144 5\uc6d4\uc5d0\ub294 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ud3c9\uade0 \uae08\ub9ac\uac00 3.06\uc774\uc5c8\ub294\ub370, \uc9c0\uae08\uc740 \uadf8\ubcf4\ub2e4 \ub192\uc740 \uc0c1\ud669\uc774\ub2e4. \uadf8\ub54c\ub294 \uae30\uc900\uae08\ub9ac\uac00 \ud558\ub77d\uc138\uc600\uace0, \uc9c0\uae08\uc740 \uc0c1\uc2b9\uc138\ub77c\ub294 \ucc28\uc774\uac00 \uc788\ub2e4.<\/li>\n<li>\uae4c\ub2e4\ub85c\uc6b4 \uc870\uac74\uc774 \uc788\ub294 \ub514\ub524\ub3cc \ub300\ucd9c\uc740 \uc5ec\uc804\ud788 3% \uc774\ub0b4\uc5d0\uc11c \uac00\ub2a5\ud558\ub2e4.<\/li>\n<li>2022\ub144 6\uc6d4 \ucd94\uac00 &#8211; \uace0\uc815\uae08\ub9ac \uc801\uaca9\ub300\ucd9c \uae08\ub9ac\uac00 4.6%\uac00 \ub418\uc5c8\ub2e4.<\/li>\n<\/ul>\n<p><img style=\"border: 1px solid black;\" src=\"http:\/\/hyunsik.me\/wordpress\/wp-content\/uploads\/2022\/06\/2022.06.01-1024x348.png\" alt=\"\" width=\"100%\" \/><\/p>\n<ul>\n<li>\ud30c\ub780\uc120\uc740 \uc6b0\ub9ac\ub098\ub77c\uc758 \uae30\uc900\uae08\ub9ac, \ucd08\ub85d\uc120\uc740 \uc6b0\ub9ac\ub098\ub77c\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac(\ubcc0\ub3d9\uae08\ub9ac\uac00 \ud3ec\ud568\ub41c \ud3c9\uade0)\uc774\ub2e4.<\/li>\n<\/ul>\n<p><strong><span style=\"color: #0000ff;font-size:15pt;\">[B] 6\uc5b5 \uc8fc\ud0dd \uad6c\ub9e4 \uc2dc \uc774\uc790 \ubd80\ub2f4 \uc218\uc900<\/span><\/strong><\/p>\n<p>6\uc5b5\uc6d0\uc9dc\ub9ac \uc8fc\ud0dd\uc744 LTV 80%\ub85c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \ubc1b\uc544\uc11c \uad6c\ub9e4\ud55c\ub2e4\uace0 \uac00\uc815\ud574\ubcf4\uc790. 1\uc5b5 2\ucc9c\ub9cc \uc6d0\uc744 \ubcf4\uc720\ud55c \ud604\uae08\uc73c\ub85c \ub0a9\ubd80\ud558\uace0 4\uc5b5 8\ucc9c\ub9cc \uc6d0\uc744 \ub300\ucd9c\ubc1b\uc544\uc11c \ub0a9\ubd80\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n<ul>\n<li>2022\ub144 3\ubd84\uae30\ubd80\ud130 \uc0dd\uc560\ucd5c\ucd08\/\uc2e0\ud63c\ubd80\ubd80 \ub4f1\uc740 LTV\uac00 80%\uac00 \ub41c\ub2e4. \uac70\uae30\uc5d0 \ub9de\ucdb0\ubcf8 \uc608\uc774\ub2e4.<\/li>\n<li>\uc704 \ud45c\ub294 2022\ub144 1\ubd84\uae30\uae4c\uc9c0\ub9cc \ub2e4\ub8e8\uace0 \uc788\ub2e4. 2\ubd84\uae30\uc5d0\ub294 \ud55c\uad6d\uc740\ud589 \uae30\uc900\uae08\ub9ac\ub294 1.75%\ub85c \ud655\uc815\ub41c \uac83\uc774\uba70, \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac\ub294 4% \uc815\ub3c4(\uc608\uc0c1)\uc774\ub2e4.(\uc774 \uac12\uc740 \ubcc0\ub3d9\uae08\ub9ac\uae4c\uc9c0 \ud3ec\ud568\ud55c \ud3c9\uade0\uac12\uc774\uae30 \ub54c\ubb38\uc5d0 4.4%\ubcf4\ub2e4\ub294 \ub0ae\uc744 \uac83\uc774\ub2e4.)<\/li>\n<\/ul>\n<p>2020\ub144\uc5d0\ub294 2.4% \uace0\uc815\uae08\ub9ac \uc801\uaca9\ub300\ucd9c\ub85c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc774 \uac00\ub2a5\ud588\uc5c8\ub2e4. \uc6d0\uae08 \uc81c\uc678 \uc774\uc790\ub9cc \ud55c \ub2ec\uc5d0 96\ub9cc \uc6d0\uc774\ub2e4. \ud604\uc7ac 2022\ub144 6\uc6d4 \uae30\uc900\uc73c\ub85c \uace0\uc815\uae08\ub9ac \uc801\uaca9\ub300\ucd9c\uc744 \ubc1b\ub294\ub2e4\uba74 4.4%\uc758 \uae08\ub9ac\ub97c \uac10\uc218\ud574\uc57c \ud55c\ub2e4. \uc6d0\uae08 \uc81c\uc678 \uc774\uc790\ub9cc \ud55c \ub2ec\uc5d0 \uc774\uc790\ub9cc 176\ub9cc \uc6d0\uc774\ub2e4.<\/p>\n<ul>\n<li>\uc0c8\ub85c\uc6b4 \ubd80\ub3d9\uc0b0 \uc815\ucc45\uc5d0 \ub530\ub974\uba74 \uc774\uc81c 30\ub144 \ubd84\ud560 \uc0c1\ud658\uc774 \uc544\ub2cc, 40\ub144 \ubd84\ud560 \uc0c1\ud658\ub3c4 \ub098\uc62c \uc608\uc815\uc774\ub2e4. \uc6d0\uae08+\uc774\uc790\uc758 \uc804\uccb4 \uc561\uc218\ub97c \uc904\uc5ec\uc11c \uccad\ub144\uce35\uc774 \ub0b4 \uc9d1 \ub9c8\ub828\uc774 \uac00\ub2a5\ud558\uac8c \ub9cc\ub4e4\uaca0\ub2e4\ub294 \uac83\uc774\ub2e4.<\/li>\n<\/ul>\n<p>\uace0\uc815\uae08\ub9ac \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac\uac00 5%\uc774\uba74 4\uc5b5 8\ucc9c\ub9cc \uc6d0(6\uc5b5\uc6d0\uc9dc\ub9ac \uc8fc\ud0dd)\uc744 \ub300\ucd9c\ubc1b\uc744 \uacbd\uc6b0 \uc6d4 \uc774\uc790\ub294 200\ub9cc\uc6d0\uc774 \ub41c\ub2e4. \uc6d4 \uc774\uc790\uac00 200\ub9cc \uc6d0\uc774\ub77c\ub294 \uac83\uc740 \uc6d4\uc138\uac00 200\ub9cc\uc6d0\uc774\ub77c\ub294 \uac83\uacfc \ube44\uc2b7\ud55c \ub9d0\uc774\ub2e4.<\/p>\n<ul>\n<li>\ubb3c\ub860 \ub300\ubd80\ubd84 \uc6d4 \uc774\uc790\ubcf4\ub2e4 \uc6d4\uc138\uac00 \ub354 \ube44\uc2f8\ub2e4.<\/li>\n<\/ul>\n<p><strong><span style=\"color: #0000ff;font-size:15pt;\">[C] \uc758\ubb38<\/span><\/strong><\/p>\n<p><span style=\"color: #ff0000;\"><strong>[ \uc9c0\uae08\ubd80\ud130\uc758 \ub0b4\uc6a9\uc740 \uacbd\uc81c\uc5d0 \ub300\ud55c \u2018\uc8fc\uad00\uc801\uc774\uace0 \ucd08\ubcf4\uc801\uc778 \uc218\uc900\uc758 \uc608\uc0c1\u2019\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\uc74c. ]<\/strong><\/span><br \/>\n<span style=\"color: #ff0000;\"><strong>[ \ub2e8, \uae00\uc4f4\uc774\ub294 \uc8fc\ud0dd \ubcf4\uc720\uc790\uc774\uba70, \uadfc\ubcf8\uc801\uc778 \ud3ed\ub77d\ub860\uc790\ub294 \uc808\ub300 \uc544\ub2d8. ]<\/strong><\/span><\/p>\n<p>2022\ub144 6\uc6d4, \ub180\ub78d\uac8c\ub3c4 \uccad\uc57d\uc2dc\uc7a5\uc740 \uc544\uc9c1 \uc8fd\uc9c0 \uc54a\uc558\ub2e4. \ubd84\uc591\uac00 \uc0c1\ud55c\uc81c\uc758 \uc801\uc6a9\uc744 \ubc1b\ub294 \uc8fc\ud0dd\uc774 \uccad\uc57d\uc2dc\uc7a5\uc5d0 \ub098\uc628 \uacbd\uc6b0\ub294 \ucd5c\uadfc\uc5d0 \uac70\uc758 \uc5c6\ub2e4. \uadf8\ub7fc\uc5d0\ub3c4 \uccad\uc57d \uc5f4\ud48d\uc740 \uc644\uc804\ud558\uac8c \uc8fd\uc9c0 \uc54a\uc558\ub2e4.<\/p>\n<ul>\n<li>\ub2e8, \uc9c0\ubc29\uc740 \uc774\ubbf8 \uc8fd\uc740 \uac83 \uac19\ub2e4.<\/li>\n<\/ul>\n<p>\uccad\uc57d \ub2f9\ucca8 \ud6c4 1~3\ub144 \ub4a4 \uc644\uacf5\uc774\uba74 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac\uac00 5%\ub97c \ub118\uc744 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4. \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 5% \uc774\uc0c1\uc758 \uae08\ub9ac\ub97c \uac10\ub2f9\ud558\uaca0\ub2e4\ub294 \uac83\uc778\uac00? \uc544\ub2c8\uba74 \uc5b4\ub5a4 \ub2e4\ub978 \uc758\ubbf8\uac00 \uc788\ub294 \uac83\uc778\uac00?<\/p>\n<p>\uac1c\uc778\uc801\uc778 \uc0dd\uac01\uc774\uc9c0\ub9cc, \uc774\ubc88 \uc544\ud30c\ud2b8 \uc7ac\ud14c\ud06c \uc2dc\uc98c(\uc9c0\ub09c 9~10\ub144)\uc740 \uc6b0\uc120 \uc885\ub8cc\ub41c \uac83 \uac19\ub2e4. \ud558\uc9c0\ub9cc \uccad\uc57d\uc2dc\uc7a5\uc774 \uc8fd\uc9c0 \uc54a\uc73c\ub2c8 \uc880 \ub354 \ub2e4\uc591\ud55c \uce21\uba74\uc5d0\uc11c \uc0dd\uac01\ud574 \ubd10\uc57c\uaca0\ub2e4. \ub2e4\ub978 \ubb54\uac00\uac00 \uc788\uaca0\ub098? \uc5c6\uc744 \uac83 \uac19\uc740\ub370&#8230;<\/p>\n<p>\uc544! \uc720\uc77c\ud558\uac8c \ud558\ub098 \ub0a8\uc740 \uac83\uc740 \uacf5\uae09 \ubd80\uc871\uc774\ub2e4. \uc218\ub3c4\uad8c\uc758 \uacf5\uae09 \ubd80\uc871\uc774 \uc5b4\ub290 \uc218\uc900\uc778\uc9c0 \ubaa8\ub974\uaca0\uc9c0\ub9cc, \uac1c\uc778\uc801\uc73c\ub85c \ubd80\uc871\ud55c \uac83\uc740 \ud655\uc2e4\ud574 \ubcf4\uc778\ub2e4. \uc124\ub9c8 \uacf5\uae09 \ubd80\uc871 \ud558\ub098\ub85c \uc774 \uc0c1\ud669\ub9c8\uc800\ub3c4 \ub6ab\uace0 \uc544\ud30c\ud2b8 \uac00\uaca9\uc774 \uc0c1\uc2b9\ud558\ub294 \uac83\uc740 \uc544\ub2c8\uaca0\uc9c0? <\/p>\n<p>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac\uac00 7% \uc548\uc5d0\uc11c \uba38\ubb3c \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uc9c0\ub9cc, \ucd08\uc800\uae08\ub9ac\ub97c \uacaa\uc5b4\ubd24\ub358 \uc6b0\ub9ac \uc785\uc7a5\uc5d0\uc11c\ub294 \uadf8\ub9c8\uc800\ub3c4 \ub108\ubb34 \ub192\ub2e4.<\/p>\n<p>\uc790\uc138\ud788 \uc9c0\ucf1c\ubd10\uc57c \ud558\ub294 \uc0c1\ud669\uc774\ub2e4. \uc7ac\ubbf8\uc788\ub2e4. \uad81\uae08\ud558\ub2e4.<\/p>\n<p>Good Luck!<\/p>\n<p><img src=\"http:\/\/hyunsik.me\/wordpress\/wp-content\/uploads\/2022\/06\/20220601_041017-1024x353.png\" alt=\"\" style=\"border: 1px solid black;\"   width=\"100%\"\/><\/p>\n<ul>\n<li>\uac80\uc740\uc120\uc740 \ubbf8\uad6d\uc758 \uae30\uc900\uae08\ub9ac, \ud30c\ub780\uc120\uc740 \uc6b0\ub9ac\ub098\ub77c\uc758 \uae30\uc900\uae08\ub9ac, \ucd08\ub85d\uc120\uc740 \uc6b0\ub9ac\ub098\ub77c\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac(\ubcc0\ub3d9\uae08\ub9ac\uac00 \ud3ec\ud568\ub41c \ud3c9\uade0)\uc774\ub2e4.<\/li>\n<\/ul>\n<p><img src=\"http:\/\/hyunsik.me\/wordpress\/wp-content\/uploads\/2022\/06\/2022.06.07-1024x344.png\" alt=\"\" style=\"border: 1px solid black;\"   width=\"100%\"\/><\/p>\n<ul>\n<li>\ucd08\ub85d\uc120\uc740 \uc804\uad6d \ubaa8\ub4e0 \uc8fc\ud0dd\uc758 \uc8fc\ud0dd\ub9e4\ub9e4\uac00\uaca9\uc9c0\uc218\uc774\uace0, \uc8fc\ud669\uc120\uc740 \uc11c\uc6b8-\uc544\ud30c\ud2b8\uc758 \uc8fc\ud0dd\ub9e4\ub9e4\uac00\uaca9\uc9c0\uc218\uc774\ub2e4. 2022\ub144 1\uc6d4\uc744 100\uc73c\ub85c \ub450\uace0 \uc788\ub294 \uc9c0\uc218\uc774\ub2e4. \uc8fc\ud0dd\uac00\uaca9 \uc0c1\uc2b9\uc740 \uc774\ubbf8 \ub454\ud654\ub410\ub2e4. <\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>[A] \uae30\uc900\uae08\ub9ac \uc778\uc0c1\uc5d0 \ub530\ub978 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac \uc778\uc0c1 \ucd5c\uadfc\uc5d0 \uc801\uaca9\ub300\ucd9c \uae08\ub9ac\ub97c \ucc3e\uc544\ubcf4\ub2e4\uac00 \uace0\uc815\ud615 \uc801\uaca9\ub300\ucd9c \uae08\ub9ac\uac00 4.4%\uae4c\uc9c0 \uc62c\ub77c\uac00 \uc788\ub294 \uac83\uc744 \ud655\uc778\ud588\ub2e4. \uc640\uc6b0. \uacfc\uac70\uc5d0 \uc6b0\ub9ac\ub098\ub77c \uae30\uc900\uae08\ub9ac\uac00 1.75%\uc600\ub358 2017\ub144 5\uc6d4\uc5d0\ub294 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ud3c9\uade0 \uae08\ub9ac\uac00 3.06\uc774\uc5c8\ub294\ub370, \uc9c0\uae08\uc740 \uadf8\ubcf4\ub2e4 \ub192\uc740 \uc0c1\ud669\uc774\ub2e4. \uadf8\ub54c\ub294 \uae30\uc900\uae08\ub9ac\uac00 \ud558\ub77d\uc138\uc600\uace0, \uc9c0\uae08\uc740 \uc0c1\uc2b9\uc138\ub77c\ub294 \ucc28\uc774\uac00 \uc788\ub2e4. \uae4c\ub2e4\ub85c\uc6b4 \uc870\uac74\uc774 \uc788\ub294 \ub514\ub524\ub3cc \ub300\ucd9c\uc740 \uc5ec\uc804\ud788 3% \uc774\ub0b4\uc5d0\uc11c \uac00\ub2a5\ud558\ub2e4. 2022\ub144 6\uc6d4 \ucd94\uac00 &#8211; \uace0\uc815\uae08\ub9ac [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[1],"tags":[2876,2502,2872,2874,2875,2873,2318],"jetpack_featured_media_url":"","views":"","jetpack-related-posts":[],"_links":{"self":[{"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/18865"}],"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=18865"}],"version-history":[{"count":30,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/18865\/revisions"}],"predecessor-version":[{"id":22683,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/18865\/revisions\/22683"}],"wp:attachment":[{"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18865"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}