{"id":9498,"date":"2017-07-30T03:24:54","date_gmt":"2017-07-29T18:24:54","guid":{"rendered":"http:\/\/hyunsik.me\/wordpress\/?p=9498"},"modified":"2022-10-30T01:31:39","modified_gmt":"2022-10-29T16:31:39","slug":"%ec%9a%94%ec%a6%98%ec%9d%98-%ec%9d%bc%eb%93%a4%ec%97%90-%eb%8c%80%ed%95%9c-%ea%b8%b0%eb%a1%9d-2017%eb%85%84-7%ec%9b%94","status":"publish","type":"post","link":"http:\/\/hyunsik.me\/wordpress\/?p=9498","title":{"rendered":"\ud30c\ud2b8\ud0c0\uc784 \uba64\ubc84\uac00 \uadf8\ub9cc\ub454 \uc774\uc720 \/ \ubd84\uc591\uad8c \ub9e4\uc785 \uc9c4\ud589 \uc911 &#8211; 2017\ub144 7\uc6d4"},"content":{"rendered":"<p><span style=\"color: #0000ff; font-size: 15pt;\">\u25a3 \ud30c\ud2b8\ud0c0\uc784 \uba64\ubc84\uac00 \uadf8\ub9cc\ub454 \uc774\uc720<\/span><\/p>\n<p>\ud68c\uc0ac\ub97c \uc6a9\uc0b0\uc5d0\uc11c \uacf5\ub355\uc73c\ub85c \uc62e\uae30\uace0 \ub098\ub2c8, \uadfc\ubb34 \ud658\uacbd\uc774 \uc5ec\ub7ec \ubaa8\ub85c \uc88b\uc544\uc838\uc11c \ud30c\ud2b8\ud0c0\uc784\uc73c\ub85c \uc77c\ud558\ub294 \uc0ac\ub78c\ub4e4\uc740 \ube44\uad50\uc801 \uc798 \ub4e4\uc5b4\uc640\uc11c \uc131\uc2e4\ud558\uac8c \uc77c\ud558\uace0 \uc788\ub294 \uc0c1\ud669\uc774\ub2e4. \ud558\uc9c0\ub9cc \uc5ec\uc804\ud788 \uc6b0\ub9ac \ud68c\uc0ac\uc758 \uc778\ub825 \uc774\ud0c8\uc728\uc740 \ub192\uc544\uc11c, \uc9c0\ub09c \ud55c \ub2ec \ub3d9\uc548 \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\ub4e4\ub9cc 9\uba85\uc774 \uc0c8\ub85c \ub4e4\uc5b4\uc654\ub294\ub370 \uadf8 \uc911 4\uba85\uc774 \ubc14\ub85c \uadf8\ub9cc \ub450\uc5c8\ub2e4. \uadf8\ub9ac\uace0 \uc774 \uae00\uc758 \ub0b4\uc6a9\uc740 \uadf8 4\uba85 \uc911 1\uba85\uc774 \uadf8\ub9cc\ub454 \uc774\uc720\uc774\ub2e4.<\/p>\n<p>\uc774\ubc88 \ud1a0\uc694\uc77c\uc5d0 \ubaa8\ucc98\ub7fc \uc9d1\uc5d0\uc11c \uc26c\uace0 \uc788\ub294\ub370 \ubb38\uc790\uac00 \ud558\ub098 \uc640\uc788\uc5c8\ub2e4. \ud55c \uc5ec\uc131 \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\uc774 \uadf8\ub9cc\ub450\uc5c8\uace0 \ubc14\ub85c \uae09\uc5ec\ub97c \uc9c0\uae09\ud588\ub2e4\ub294 \ub0b4\uc6a9\uc774\uc5c8\ub2e4. \ub610\ud55c \uc774 \uc5ec\uc131 \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\uc774 \uadf8\ub9cc \ub450\ub294 \uc774\uc720\ub294 \ub180\ub78d\uac8c\ub3c4 \uc6b0\ub9ac \ud68c\uc0ac\uc758 \uc5ec\uc790 \ud654\uc7a5\uc2e4\uc5d0 \ubab0\ub798 \uce74\uba54\ub77c\uac00 \uc124\uce58\ub418\uc5b4 \uc788\ub294 \uac83\uc744 \uae30\ub3c4 \uc911\uc5d0 \ubcf4\uc558\uae30 \ub54c\ubb38\uc774\uc5c8\ub2e4.<br \/>\n<span style=\"color: #0000ff;\">\u2605 \uc5ec\uae30\uc11c \uc7a0\uae50. \ubb34\uc5b8\uac00\ub97c \uba39\uace0 \uc788\uac70\ub098, \ud604\uc7ac \uc18d\uc774 \uc88b\uc9c0 \uc54a\uc740 \uc0c1\ud0dc\ub77c\uba74 \uc774 \uae00\uc740 \uc77d\uc9c0 \uc54a\ub294 \uac83\uc774 \uc88b\ub2e4.<\/span><\/p>\n<p>\ub354 \uacfc\uac70\ub85c \uac70\uc2ac\ub7ec \uc62c\ub77c\uac00\uc11c \uc774 \ub0b4\uc6a9\uc744 \uc0b4\ud3b4\ubcf4\uc790\uba74, \uc6b0\ub9ac \ud68c\uc0ac\uac00 \uc6a9\uc0b0\uc758 \ud1a0\ud22c\ubc38\ub9ac, \ud55c\uac15\ud604\ub300\ud558\uc774\uc5d8\uc5d0 \uc704\uce58\ud588\uc744 \ub54c\ubd80\ud130 \uc2dc\uc791\ub41c\ub2e4. \ud1a0\ud22c\ubc38\ub9ac\ub098 \ud55c\uac15\ud604\ub300\ud558\uc774\uc5d8\uc758 \uc0c1\ub300\uc801\uc73c\ub85c \ud070 \ud3c9 \uc218\uc758 \uc790\ub9ac\ub4e4\uc740 \ub9e4\uc7a5 \ub0b4\ubd80\uc5d0 \ud654\uc7a5\uc2e4\uc774 \uc5c6\uace0 \uce35\ub9c8\ub2e4 \uacf5\uc6a9 \ud654\uc7a5\uc2e4\uc774 \uc788\ub294 \ud615\ud0dc\uc774\ub2e4. \uc624\ud53c\uc2a4\ud154\uc774 \uc544\ub2cc \uc790\ub9ac\ub4e4\uc774\ub2c8 \ub2f9\uc5f0\ud558\ub2e4. \uadf8\ub7f0\ub370 \ubb38\uc81c\ub294 \uc774 \ud654\uc7a5\uc2e4\ub4e4\uc774 \ub298 \ub354\ub7ec\uc6e0\ub2e4\ub294 \uac83\uc774\ub2e4. \uccad\uc18c\ud558\uc2dc\ub294 \ubd84\ub4e4\uc774 \ubcc0\uae30\ub97c \ub2e6\ub294 \uc2dc\uac04\uc744 \uc81c\uc678\ud55c \ub098\uba38\uc9c0 \uc2dc\uac04\uc5d0\ub294 \uc5b8\uc81c\ub098 \uc751\uac00 \ucc0c\uaebc\uae30\uac00 \ubcc0\uae30\uc5d0 \ubb3b\uc5b4\uc788\uc5c8\ub2e4. \ud1a0\ud22c\ubc38\ub9ac\uc5d0\uc11c\ub294 \uccad\uc18c\ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uc5ec \uadf8\uac83\ub4e4\uc744 \ub2e6\uc544\ub0b4\uace0 \uc0ac\uc6a9\ud574\uc57c \ud588\uace0, \ud55c\uac15\ud604\ub300\ud558\uc774\uc5d8\uc5d0\uc11c\ub294 \ub2e6\ub294 \uccad\uc18c\uae30\uad6c\ub3c4 \uc5c6\uc5b4\uc11c \ud734\uc9c0\ub85c \ub2e6\uc544\ub0b4\uba70 \uc0ac\uc6a9\ud574\uc57c \ud588\uc5c8\ub2e4. \ud2b9\ud788 \uc55e\uc5d0 \uc74c\uc2dd\uc810\uc774 \uc788\uc5c8\ub358 \ud55c\uac15\ud604\ub300\ud558\uc774\uc5d8\uc5d0\uc11c\ub294 \uc57c\uadfc\uc774\ub77c\ub3c4 \ud558\ub294 \ub0a0\uc5d0\ub294 \uc751\uac00\ub97c \ud560 \uc218 \uc5c6\uc5c8\ub2e4. \ud654\uc7a5\uc2e4\uc5d0 \uadf8\ub4e4\uc758 \uc624\ubc14\uc774\ud2b8\uac00 \uac00\ub4dd\ud588\uc73c\ub2c8 \ub9d0\uc774\ub2e4.<\/p>\n<p>\uc5b8\uc820\uac00\ubd80\ud130\ub294 \uc774 \ud654\uc7a5\uc2e4 \ubb38\uc81c\uac00 \ud68c\uc0ac\ub0b4\uc5d0\uc11c \uacf5\ub860\ud654\ub418\uae30 \uc2dc\uc791\ud558\uc5ec, \ud654\uc7a5\uc2e4\uc744 \uae68\ub057\ud788 \uc368\uc57c \ud55c\ub2e4\ub77c\ub294 \uaddc\uce59\uacfc \uae68\ub057\ud788 \uc4f0\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574\uc11c \ud1a0\ub860\uc744 \ud558\uae30 \uc2dc\uc791\ud588\ub2e4. \uc774 \ub0b4\uc6a9\uc758 \ud575\uc2ec\uc740 \uc751\uac00\ub97c \ud280\uc9c0 \uc54a\uac8c \ud558\ub294 \ubc29\ubc95\uc774\uba70, \uc751\uac00\uac00 \ud280\uc5c8\uc744 \ub54c\ub294 \ub2e6\uc544\ub0b4\uace0 \ub098\uc640\uc57c \ud55c\ub2e4\ub294 \uc6d0\uce59\uc774\uc5c8\ub2e4. \ubb3c\ub860 \ub18d\ub2f4 \ubc18 \uc9c4\ub2f4 \ubc18\uc774\uc5c8\uc9c0\ub9cc, \uc6b0\ub9ac \uba64\ubc84\uac00 \uc5b4\ub514\uc120\uac00 \ud654\uc7a5\uc2e4\uc744 \ub354\ub7fd\uac8c \uc4f0\ub294 \uc77c\uc740 \uc808\ub300 \uc5c6\uc744 \uc815\ub3c4\ub85c \uc774 \ub0b4\uc6a9\uc5d0 \ub300\ud55c \uc758\uc2dd\uc740 \uae4a\uc740 \uc0c1\ud0dc\uc774\ub2e4. \uc774\ub7f0 \uc774\uc720\ub85c \uc6b0\ub9ac \uba64\ubc84\ub4e4\uc740 \ud654\uc7a5\uc2e4\uc5d0 \ub300\ud574 \ubcf4\ub2e4 \uc608\ubbfc\ud574\uc838\uc11c \ub354\uc774\uc0c1 \uc751\uac00 \ubb3b\uc740 \ubcc0\uae30\uc5d0\uc11c\ub294 \uc751\uac00\ub97c \ud560 \uc218 \uc5c6\uac8c \ub418\uc5c8\ub2e4. \uadf8\ub9ac\uace0 \uc774\ubc88\uc5d0 \uacf5\ub355\uc758 \uc2e0\ubcf4\ube4c\ub529\uc73c\ub85c \uc790\ub9ac\ub97c \uc62e\uae30\uba74\uc11c \uc6b0\ub9ac\ub294 \uae30\ubee4\ub2e4. \ud55c \uce35\uc744 \uc6b0\ub9ac\uac00 \ubaa8\ub450 \uc0ac\uc6a9\ud558\ub294 \uac83\uc774\ub2c8 \ud654\uc7a5\uc2e4\uc740 \uc6b0\ub9ac\ub9cc \uc0ac\uc6a9\ud558\ub294 \uac83\uc774\uace0, \ub2f9\uc2dc\uc5d0 \uc6b0\ub9ac \ud68c\uc0ac\uc5d0 \uc5ec\uc9c1\uc6d0\uc740 \uc5c6\uc5c8\uc73c\ubbc0\ub85c \uc5ec\uc790 \ud654\uc7a5\uc2e4\uc5d0 \uc0e4\uc6cc\uc2dc\uc124\uc744 \uc124\uce58\ud558\uace0, \uc5ec\uc790 \ud654\uc7a5\uc2e4\uae4c\uc9c0\ub3c4 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \ubaa8\ub450 \ud589\ubcf5\ud574\ud588\ub2e4. \ub354\uc774\uc0c1 \uc6b0\ub9ac\ub294 \ud654\uc7a5\uc2e4 \ubb38\uc81c\uc5d0 \ub300\ud574 \uace0\ubbfc\ud560 \uac83\uc774 \uc5c6\ub2e4\uace0 \uc0dd\uac01\ud588\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc \ucd5c\uadfc \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\uc774 \ub298\uc5b4\ub098\uba70 \ub2e4\uc2dc \ud654\uc7a5\uc2e4 \ubcc0\uae30\uc5d0 \ubb3b\uc740 \uc751\uac00\uac00 \ubcf4\uc774\uae30 \uc2dc\uc791\ud588\ub2e4. \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\ub4e4\uc5d0\uac8c \uc774 \ub0b4\uc6a9\uc5d0 \ub300\ud574\uc11c \uc790\uc138\ud788 \uc774\uc57c\uae30\ub97c \ud574\uc8fc\ub77c\uace0 \uc9c0\uc2dc\ub97c \ud588\uc9c0\ub9cc, \uc6d0\ud65c\ud558\uac8c \uc774\ub8e8\uc5b4\uc9c0\uc9c0 \uc54a\uc558\ub294\uc9c0 \uc9c0\ub09c \uae08\uc694\uc77c\uc5d0\ub294 \uacb0\uad6d \ud68c\uc0ac\uc758 \uce74\ud1a1\ubc29\uc5d0 \uc751\uac00\uac00 \ub465\ub465 \ub5a0\ub2e4\ub2c8\ub294 \ubcc0\uae30\uc758 \uc0ac\uc9c4\uc774 \uc62c\ub77c\uc654\ub2e4. \uc751\uac00\ub97c \ud558\uace0 \ubb3c\uc744 \ub0b4\ub838\ub294\ub370 \ubcc0\uae30\uac00 \ub9c9\ud788\uc790, \ub69c\ub7ec\ubf55\uc744 \uc774\uc6a9\ud558\uc5ec \ubcc0\uae30\ub97c \ub6ab\ub2e4\uac00 \ud3ec\uae30\ud55c \uac83\uc774 \ud655\uc2e4\ud574\ubcf4\uc774\ub294 \uc0ac\uc9c4\uc774\uc5c8\ub2e4. \uc774\ubbf8 \uadf8 \uc0ac\ub85c\uac00 \ub9c9\ud78c\ub2e4\uace0 \uc4f0\uc9c0 \ub9d0\ub77c\uace0 \uacbd\uace0 \uba54\uc138\uc9c0\ub97c \uc55e\uc5d0 \ud06c\uac8c \ubd99\uc5ec\ub1a8\ub294\ub370 \uad73\uc774 \uac70\uae30\ub97c \uc0ac\uc6a9\ud574\uc11c \uc548\ud0c0\uae4c\uc6b4 \uc0c1\ud669\uc774 \ubc1c\uc0dd\ud55c \uac83\uc774\ub2e4. \uc989\uc2dc \uc0c8\ub85c \uc628 \ub0a8\uc790 \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\ub4e4\uc744 \ubaa8\ub450 \ubd88\ub7ec\ub193\uace0 \ub0b4\uc6a9\uc744 \uc598\uae30\ud558\ub77c\uace0 \uc9c0\uc2dc\ud588\uace0, \uc774\ubc88\uc5d0\ub294 \uc6d0\ud65c\ud558\uac8c \uadf8 \ub0b4\uc6a9\uc774 \uc804\ub2ec\ub418\uc5c8\ub2e4.<\/p>\n<p>\uadf8\ub7f0\ub370 \ubb38\uc81c\ub294 \uadf8 \uc0ac\ub85c\uc5d0 \uc751\uac00\uac00 \ub5a0\uc788\ub294 \uadf8 \uc2dc\uac04\uc5d0, \uc751\uac00\uc5d0 \ub300\ud574 \uc608\ubbfc\ud574\uc9c4 \uc6b0\ub9ac \ud68c\uc0ac\uc758 \uba64\ubc84 \uc911 \ud55c \uba85\uc778 \uc815\ud300\uc7a5\uc774 \ub3c4\uc800\ud788 \ub0a8\uc790\ud654\uc7a5\uc2e4\uc744 \uc0ac\uc6a9\ud558\uc9c0 \ubabb\ud558\uace0, \uc5ec\uc790\ud654\uc7a5\uc2e4\uc744 \uc0ac\uc6a9\ud55c \uac83\uc774\ub2e4. \uadf8\ub9ac\uace0 \uc5ec\uc790\ud654\uc7a5\uc2e4\uc744 \uc0ac\uc6a9\ud558\uace0 \ub098\uc624\uba70 \ub2e4\ub978 \uc5ec\uc131 \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\uacfc \ub9c8\uc8fc\uce5c \uac83\uc774\ub2e4. \uc9c0\uae08 \uc0dd\uac01\ud574\ubcf4\uba74 \uadf8 \ub54c \uc815\ud300\uc7a5\uc774 \uc790\ucd08\uc9c0\uc885\uc744 \uc5b4\ub290\uc815\ub3c4 \uc124\uba85\ud588\uc73c\uba74 \uc88b\uc558\uc744 \uac83 \uac19\uc740\ub370 \uadf8\ub7ec\uc9c0\ub294 \ubabb\ud588\ub358 \uac83 \uac19\ub2e4.<\/p>\n<p>\uadf8\ub9ac\uace0 \ud1a0\uc694\uc77c\uc774 \ub418\uc790, \ubcf8\uc778\uc758 \ud45c\ud604\uc5d0 \ub530\ub974\uba74 \uc548\uc804\ubd88\uac10\uc99d\uc774 \uc788\ub294 \uc5ec\uc131 \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\uc774 \uc815\ud300\uc7a5\uc5d0\uac8c \uc804\ud654\ud574\uc11c \ubaa8\ub4e0 \uac83\uc744 \ub2e4 \ubd24\ub2e4\uace0 \ub9d0\ud588\ub2e4\ub294 \uac83\uc774\ub2e4. \uc815\ud300\uc7a5\uc774 \ubcc0\uae30 \uc548\uc5d0 \ubab0\ub798 \uce74\uba54\ub77c\ub97c \uc124\uce58\ud558\ub294 \ubaa8\uc2b5\uc744 \ub9d0\uc774\ub2e4. \uae30\ub3c4 \uc911\uc5d0 \ud558\ub098\ub2d8\uc774 \ubcf4\uc5ec\uc8fc\uc168\ub2e4\uace0 \ud55c\ub2e4. \uadf8\uc81c\uc11c\uc57c \uc624\uc2f9\ud574\uc9c4 \uc815\ud300\uc7a5\uc740 \uadf8 \uc5ec\uc131 \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\uc5d0\uac8c \uc790\ucd08\uc9c0\uc885\uc744 \uc124\uba85\ud558\uc600\ub2e4. \uacb0\uad6d \ubcf8\uc778\uc774 \uc548\uc804\ubd88\uac10\uc99d\uc774 \uc788\ub2e4\uace0 \uc0dd\uac01\ud558\ub294 \uac83\uc778\uc9c0 \uc815\ub9d0 \uc788\ub294 \uac83\uc778\uc9c0 \ubaa8\ub974\ub294 \uc774 \uc5ec\uc131 \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\uc740 \uc624\ud574\uc5d0\uc11c \ubc97\uc5b4\ub0a0 \uc218 \uc788\uc5c8\ub2e4. \ud558\uc9c0\ub9cc \uc774 \uc5ec\uc131 \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\uc740 \uadf8\ub9cc\ub450\uc5c8\ub2e4. \uc774 \ubd84\uc774 \ucd5c\uadfc \uaf64 \uc77c\uc744 \uc798 \ud574\ub0b4\uace0 \uc788\uc5c8\uace0, \uc6b0\ub9ac \ud68c\uc0ac\uac00 \uc6cc\ub099 \ub2e4\uc591\ud55c \uce5c\uad6c\ub4e4\uc774 \ub9ce\uc774 \uc624\ub294 \uacf3\uc774\ub77c\uc11c \ucda9\ubd84\ud788 \uc774\ud574\ud560 \uc218 \uc788\uc5c8\uae30 \ub54c\ubb38\uc5d0 \ud68c\uc0ac\uc758 \ub9ce\uc740 \uba64\ubc84\ub4e4\uc774 \uc804\ud654\ub97c \ud574\uc11c \uad1c\ucc2e\ub2e4\uace0 \ub2e4\uc2dc \ub098\uc624\ub77c\uace0 \ud588\uc9c0\ub9cc, \ubabb\ud558\uaca0\ub2e4\uace0 \ud558\uc600\ub2e4.<\/p>\n<p>\uc6d0\ub798 3\uac1c\uc6d4\uc744 \uacc4\uc57d\ud588\uc73c\ub2c8 \uae34 \uc2dc\uac04\uc740 \uc544\ub2c8\uc5c8\uc9c0\ub9cc, \uc774\uc81c \uc77c\uc744 \uc798 \ud574\ub098\uac08 \uc218 \uc788\ub294 \uc0c1\ud669\uc774 \ub418\uc5c8\ub294\ub370 \uadf8\ub9cc\ub450\ub2c8 \uc544\uc26c\uc6e0\ub2e4. \ubcc4 \uac83 \uc544\ub2cc \uc624\ud574\uc778\ub370, \uc870\uae08\ub9cc \ub354 \ubcf8\uc778\uc744 \uc624\ud508\ud55c\ub2e4\uba74 \uc5ec\uae30 \uba64\ubc84\ub4e4\uc740 \ucda9\ubd84\ud788 \uadf8\ub7f0 \uac83\ub4e4\uc744 \uac10\ub2f9\ud560 \uc900\ube44\uac00 \ub418\uc5b4\uc788\ub294\ub370 \ub9d0\uc774\ub2e4. \uc2e0\uc774 \uc788\ub2e4\uba74, \uc774 \uce5c\uad6c\uc758 \uc0b6\uc5d0 \uc548\uc815\uac10\uc744 \uc8fc\uc2dc\uae30\ub97c \uc624\ub298\uc740 \uae30\ub3c4\ud574\ubcf8\ub2e4.<\/p>\n<p>[line][\/line]<\/p>\n<p><span style=\"color: #0000ff; font-size: 15pt;\">\u25a3 \ubd80\ucc9c \uc625\uae38 \ud55c\uc2e0\ud734\ud50c\ub7ec\uc2a4 \ubd84\uc591\uad8c \ub9e4\uc785 \uc9c4\ud589 \uc911<\/span><\/p>\n<p>\ub2e4\uac00\uc624\ub294 12\uc6d4\uc5d0 \uc9c0\uae08 \uc0b4\uace0 \uc788\ub294 \uc9d1\uc758 \uacc4\uc57d\uae30\uac04\uc774 \ub9cc\ub8cc\ub41c\ub2e4. \ubcf5\uce35\uc774\ub77c\uc11c \ubd80\ubaa8\ub2d8\uacfc \ud568\uaed8 \uc9c0\ub0b4\uae30\uac00 \ucc38 \uc88b\uc558\uc5c8\ub294\ub370, \uc6d4\uc138 + \uc804\uae30\uc138 + \ub09c\ubc29\ube44\uac00 \uc5c4\uccad\ub098\uac8c \ub098\uc624\uace0, \uc5d8\ub808\ubca0\uc774\ud130\uac00 \uc5c6\ub294 \uac74\ubb3c\uc774\uace0, \uc8fc\ucc28\uc5d0\ub3c4 \uc870\uae08 \ubd88\ud3b8\ud568\uc774 \uc788\ub294 \uc774\uc720\uc640 \uacb0\uc815\uc801\uc73c\ub85c \uc6b0\ub9ac \uc9d1\uc774 \uc544\ub2c8\ub77c\ub294 \uc774\uc720\ub85c \ub0b4 \uc9d1 \ub9c8\ub828\uc5d0 \ub300\ud574 \ud55c 2\ub144\uc744 \uace0\ubbfc\ud55c \uac83 \uac19\ub2e4. \ucc98\uc74c\uc5d0\ub294 \ubd80\ub3d9\uc0b0\uc5d0 \ub300\ud574 \uc804\ud600 \uc774\ud574\ud558\uc9c0 \ubabb\ud588\uc5c8\ub294\ub370, \uc774\uc81c\ub294 \ubd80\ub3d9\uc0b0\uc744 \ub118\uc5b4\uc11c\uc11c \uacbd\uc81c\ub3c4 \uc5b4\ub290\uc815\ub3c4 \uc774\ud574\ud574\ub098\uac00\uace0 \uc788\uc73c\ub2c8 2\ub144\ub3d9\uc548 \uc774 \ub300\uac08\ud1b5\uc774 \ub9ce\uc774 \uc131\uc7a5\ud558\uae30\ub294 \ud55c \uac83 \uac19\ub2e4. \uc774\ud574\ud55c\ub2e4\uace0 \ubb58 \uc5b4\ub5bb\uac8c \ud560 \uc218 \uc788\ub294 \uac74 \uc544\ub2c8\uc9c0\ub9cc \ub9d0\uc774\ub2e4.<\/p>\n<p>\ucc98\uc74c \ub0b4 \uc9d1 \ub9c8\ub828\uc5d0 \ub300\ud574 \uad00\uc2ec\uc744 \uac00\uc9c0\uae30 \uc2dc\uc791\ud588\uc744 \ub54c\uac00 2015\ub144 7, 8\uc6d4 \uc815\ub3c4\uc600\ub294\ub370, \uadf8 \ub54c\ub294 \ubab0\ub790\uc9c0\ub9cc \uc9c0\uae08 \uc0dd\uac01\ud574\ubcf4\uba74 \ucc38 \uc544\ud30c\ud2b8 \uc0ac\uae30 \uc88b\uc740 \uc0c1\ud669\uc774\uc5c8\ub2e4. \uc11c\uc6b8 \uc8fc\ubcc0\uc758 \uc544\ud30c\ud2b8\ub4e4\uc774 \uc11c\uc11c\ud788 \uc624\ub974\uace0 \uc788\ub294 \uc0c1\ud669\uc774\uae30\ub294 \ud588\uc9c0\ub9cc, \uadf8 \ub54c\uae4c\uc9c0\ub294 \uc11c\uc6b8\uacfc \ubc14\ub85c \ubd99\uc5b4\uc788\ub294 \uc218\ub3c4\uad8c\uc5d0 \uc788\ub294 \uc2e0\ucd95 \uc544\ud30c\ud2b8\ub4e4\uc774 84\uc81c\uacf1(\uad6c 34\ud3c9\ud615)\uae30\uc900\uc73c\ub85c 3\uc5b5 \uc218\uc900\uc5d0 \uc788\uc5c8\uc73c\ub2c8 2\ub144 \uc9c0\ub09c \uc9c0\uae08\uacfc\ub294 1\uc5b5 \uc774\uc0c1\uc758 \ucc28\uc774\uac00 \ub09c\ub2e4. \uac00\uacc4\uac00 \uc5b5 \ub2e8\uc704\ub85c \uc0b4 \uc218 \uc788\ub294 \uac74 \uac70\uc758 \uc8fc\ud0dd \ubc16\uc5d0 \uc5c6\ub2e4\uace0 \ubcfc \uc218 \uc788\uc73c\ub2c8, \ub0b4 \uc0dd\uac01\uc5d0\ub294 \uc0ac\uc2e4\uc0c1 \ubb3c\uac00\uac00 30% \uc815\ub3c4 \uc624\ub978 \uac83\uc774\ub2e4. \uc774 \uc774\uc57c\uae30\ub294 \uc9c0\ub09c 2\ub144 \ub3d9\uc548, \uc561\uc218\ub294 \uc801\uc5b4\ub3c4 \ub0b4\uac00 \ubaa8\uc544\ub193\uc740 \ubaa8\ub4e0 \ub3c8\uc758 30%\uac00 \uc0ac\ub77c\uc84c\ub2e4\ub294 \uac83\uacfc \ub3d9\uc77c\ud558\ub2e4\uace0 \ud310\ub2e8\ub41c\ub2e4. \ub0b4\uac00 \ub3c8\uc744 \ubaa8\uc558\ub358 \uc774\uc720\ub294 \uc9d1\uc744 \uc0ac\uae30 \uc704\ud568\uc774\uc5c8\uc73c\ub2c8 \ub9d0\uc774\ub2e4. \uadf8 \uc804\uae4c\uc9c0 \uce58\uba74 \ub354 \ub9ce\uc774 \uc0ac\ub77c\uc84c\uaca0\uc9c0. \ubb3c\ub860 \uc11c\uc6b8\uc758 \uc2e0\ucd95 \uc544\ud30c\ud2b8\ub4e4\uc740 \uc774\ubcf4\ub2e4 \ud6e8\uc52c \ub354 \ub9ce\uc774 \uc62c\ub790\uace0, \uc2e0\ucd95\uc774 \uc544\ub2cc \uc544\ud30c\ud2b8\ub4e4\ub3c4 \uc9c0\uc5ed\uc5d0 \ub530\ub77c \uc5c4\uccad\ub098\uac8c \uc62c\ub790\ub2e4.<\/p>\n<p>2\ub144 \uc804\uc5d0 \uc5b4\ub5a4 \uacbd\uc81c\ud559 \uad00\ub828 \ucc45\uae4c\uc9c0 \uc4f4 \ubd84\uc758 \uc720\ud29c\ube0c \uc601\uc0c1\uc744 \ubcf8 \uc801\uc774 \uc788\uc5c8\ub2e4. \uadf8 \ub54c\ub294 \uacbd\uc81c\ud559\uc744 \uacf5\ubd80\ud558\uae30 \uc804\uc778\ub370 \uadf8 \uc608\uc5b8\uac19\uc740 \ub9d0\uc774 \ucc38 \uadf8\ub7f4 \ub4ef \ud588\ub2e4. \ub300\ub7b5\uc801\uc778 \ub0b4\uc6a9\uc740 \ubbf8\uad6d \uae08\uc735\uc704\uae30 \uc774\ud6c4 \uc138\uacc4\uc801\uc778 \uc800\uae08\ub9ac \uc2dc\ub300\uac00 \uc9c0\uae08\uae4c\uc9c0 \uc624\uace0 \uc788\uace0, \ubbf8\uad6d\uc774 \uae08\ub9ac\ub97c \uc778\uc0c1\ud558\uae30 \uc2dc\uc791\ud558\uba74, \uc790\ubcf8 \uc720\ucd9c\uc744 \uc6b0\ub824\ud558\ub294 \uc6b0\ub9ac\ub3c4 \uae08\ub9ac\ub97c \uc778\uc0c1\uc2dc\ucf1c\uc57c \ud558\uace0 \uc6b0\ub9ac\uac00 \uae08\ub9ac\ub97c \uc778\uc0c1\ud558\uac8c \ub418\uba74 \uac00\uacc4 \ub300\ucd9c\uc5d0 \ubb38\uc81c\uac00 \uc0dd\uae30\uace0, \uacb0\uad6d \uc8fc\ud0dd \uac00\uaca9\uc774 \ud3ed\ub77d\ud560 \uc218 \uc788\ub2e4\ub294 \uac83\uc774\uc5c8\ub2e4. \uc5ec\uae30\uc11c \uadf8 \uc0ac\uc774\uc0ac\uc774\uc758 \ub0b4\uc6a9\uc740 \uc598\uae30 \ud558\uc9c0 \uc54a\uaca0\uc9c0\ub9cc, \uacb0\ub860\uc801\uc73c\ub85c \uc774\ub860\uc0c1\uc73c\ub85c \ub9de\ub294 \ub9d0\uc774\ub2e4. \uadf8\ub9ac\uace0 \uc774 \ub0b4\uc6a9\uc744 \ubcf4\uace0 \ub2f9\uc2dc\uc5d0 \ubbf8\ubd84\uc591\ub41c \ubd80\ucc9c \uc625\uae38 \ud55c\uc2e0\ud734\ud50c\ub7ec\uc2a4\uc758 \ubd84\uc591\uad8c\uc744 \uad6c\ub9e4\ud558\ub294 \uac83\uc744 \ud3ec\uae30\ud558\uc600\ub2e4. \uc9c0\uae08\uc640\uc11c \uc0dd\uac01\ud574\ubcf4\uba74 \uadf8 \ub54c \ud55c \uc774 \uc9d3\uc740 \uc0ac\uc2e4\uc0c1 \ud654\ud3d0\uc5d0 \ub300\ud55c \ub098\uc758 \ud22c\uc790\uc600\ub358 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \uc8fc\ud0dd \uac00\uaca9\uc774 \ud3ed\ub77d\ud558\uae30\ub97c \ubc14\ub780 \uac83\uacfc \ub9c8\ucc2c\uac00\uc9c0\uc774\uba70, \uc138\uc0c1\uc774 \ub9dd\ud558\uae30\ub97c \ubc14\ub780 \uac83\uc774\ub2e4.<\/p>\n<p>\uc9c0\uae08\uc5d0 \uc640\uc11c \uc0dd\uac01\ud574\ubcf4\uba74 \uc774 \uc720\ud29c\ube0c \uc601\uc0c1\uc758 \ub0b4\uc6a9\uc5d0 \uc2ec\uac01\ud55c \ubb38\uc81c\uc810\uc740 \uccab\ubc88\uc9f8\ub85c \uc218\uc694\uc640 \uacf5\uae09\uc5d0 \uad00\ud574\uc11c\ub294 \ub9d0\ud558\uc9c0 \uc54a\uc558\ub2e4\ub294 \uac83\uc774\ub2e4. \uc11c\uc6b8\uacfc \uadf8 \uc8fc\ubcc0\uc758 \uc544\ud30c\ud2b8 \uac00\uaca9\uc774 \uc624\ub974\ub294 \ubbf8\uc2dc\uc801\uc778 \uc774\uc720\ub294 \uc218\uc694\uac00 \uacf5\uae09\ubcf4\ub2e4 \ub9ce\uae30 \ub54c\ubb38\uc774\ub2e4. \ub354 \uc815\ud655\ud788\ub294 \uc8fc\ud0dd\uc874\uc7ac\uacf5\uae09\uc740 \uc77c\uc815\ud558\uc9c0\ub9cc, \uc8fc\ud0dd\ubcf4\uc720\uc218\uc694\ub294 \ud1b5\ud654\ub7c9 \uc99d\uac00\uc5d0 \uc601\ud5a5\uc744 \ubc1b\uc544 \uc99d\uac00\ud558\uba70, \uadf8 \uc99d\uac00\uc758 \uc601\ud5a5\uc5d0 \ub530\ub77c \uac00\uaca9\uc774 \uc0c1\uc2b9\ud558\uae30 \ub54c\ubb38\uc5d0 \ub354\uc6b1 \uadf8 \uc99d\uac00\uc758 \uc18d\ub3c4\uac00 \uac00\uc18d\ud654\ub41c\ub2e4. \uc5ec\uae30\uc5d0\uc11c \uc8fc\ud0dd\uac00\uaca9\uc774 \ud558\ub77d\ud558\ub824\uba74 \uc8fc\ud0dd\uc874\uc7ac\uacf5\uae09\uc774 \uc99d\uac00\ud574\uc57c \ud558\ub294\ub370 \uc774 \uc11c\uc6b8\uacfc \uadf8 \uadfc\uad50 \ub545\ub369\uc5b4\ub9ac\uac00 \ub354 \ucee4\uc9c8 \uc218\ub294 \uc5c6\uace0, \uad50\ud1b5\ub9dd\uc744 \ud655\ucda9\ud558\uace0 \ub610 \ud655\ucda9\ud55c \uac83\uc774 \ud604\uc7ac\uc758 \ubaa8\uc2b5\uc73c\ub85c \uc8fc\ud0dd\uc874\uc7ac\uacf5\uae09\uc774\ub098 \uc8fc\ud0dd\uc874\uc7ac\uacf5\uae09\uc774 \ub298\uc5b4\ub098\ub294 \ub9cc\ud07c\uc758 \uc5b4\ub5a4 \uc601\ud5a5\uc774 \uc5c6\ub2e4\ub294 \uac83\uc774\ub2e4. \uac70\uae30\uc5d0 \ud2b9\ud788 \uc11c\uc6b8\uc740 \uc544\ud30c\ud2b8\ub97c \uc0c8\ub85c \uc62c\ub9b0\ub2e4\uace0 \ud558\uba74 \uadf8 \uc804\uc5d0 \ub2e4\ub978 \uc544\ud30c\ud2b8\ub098 \uc8fc\ud0dd\uc9c0\uc5ed\uc744 \ubd80\uc2e0 \ub4a4 \uadf8 \uc790\ub9ac\uc5d0 \uc544\ud30c\ud2b8\ub97c \uc9d3\ub294 \uac83\uc774\ubbc0\ub85c \uc0ac\uc2e4 \uc5ec\uae30\uc5d0\uc11c \uc8fc\ud0dd\uc874\uc7ac\uacf5\uae09\uc758 \uc99d\uac00\ub294 \ubbf8\ubbf8\ud558\uac70\ub098, \uc544\ub2c8\uba74 \uac10\uc18c\uc77c \uc218\ub3c4 \uc788\uc744 \uc815\ub3c4\uc774\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \uc8fc\ud0dd\uac00\uaca9\uc740 \ud558\ub77d\ud558\uae30\uac00 \uc27d\uc9c0 \uc54a\ub2e4.<\/p>\n<p>\ub458\uc9f8\ub85c \uc6b0\ub9ac\ub098\ub77c\uc758 \uc815\ucc45\uc801\uc778 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc778 \ub514\ub524\ub3cc, \ubcf4\uae08\uc790\ub9ac\ub860, \uc801\uaca9\ub300\ucd9c\ub4f1\uc774 \uace0\uc815\uae08\ub9ac\ud615\ud0dc\ub85c \ub9ce\uc774 \ud310\ub9e4\ub418\uace0 \uc788\ub294 \uc810\uc774\ub2e4. \uc8fc\ud0dd\uac00\uaca9\uc774 \uae08\ub9ac\ub85c \uc778\ud558\uc5ec \ud558\ub77d\ud558\ub824\uba74, \ub300\ucd9c\uc5d0 \ub300\ud55c \uc774\uc790\ub97c \ubabb \uacac\ub38c\uc11c \uc8fc\ud0dd\uc744 \ub358\uc9c0\ub294 \uae09\ub9e4\uac00 \ub9ce\uc544\uc57c \ud558\ub294\ub370 \uc77c\ubc18\uc801\uc778 \uc2e4\uc218\uc694\uc790\ub4e4\uc740 \ub300\ubd80\ubd84 \uc774\ub7f0 \uc815\ucc45\uc801\uc778 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc0c1\ud488\uc744 \uc774\uc6a9\ud558\uc600\uc744 \uac83\uc774\uace0, \uc2e4\uc0c1 \ub358\uc9c0\ub294 \uac83\ub4e4\uc740 \ubaa8\ub450 \ud22c\uc790\uc790\ub4e4\uc758 \ubb3c\uac74\uc774 \ub420 \uac83 \uac19\ub2e4. \uadf8 \uc815\ub3c4\ub294 \uc8fc\ud0dd\uc774 \ubd80\uc871\ud55c \uc774 \ud604\uc2e4\uc5d0\uc11c \ubc14\ub85c \ubc14\ub85c \uac70\ub798\ub420 \uac83 \uac19\ub2e4. \uadf8\ub9ac\uace0 \ub0b4\uac00 \uc815\ud655\ud788 \uc54c\uc9c0 \ubabb\ud558\uc5ec \uc5ec\uae30\uc11c \uc124\uba85\ud558\uc9c0 \uc54a\ub294 \uadf8 \uc774\uc0c1\uc758 \ubd80\ubd84\ub4e4\uc740 \uad6d\uac00\uac00 \ucee4\ubc84\ud560 \uac83\uc73c\ub85c \uc0dd\uac01\ub41c\ub2e4. \ub354 \uc815\ud655\ud788\ub294 \uad6d\ubbfc\ub4e4\uc758 \uc138\uae08\uc73c\ub85c \ud574\uacb0\ud560 \uac83\uc774\ub2e4. \uc774 \ub098\ub77c\ub294 \ubbf8\uad6d\uacfc \uac19\uc740 \uc790\uc720\uacbd\uc81c\uc2dc\uc7a5\uc744 \ucd94\uad6c\ud558\ub294 \ud615\ud0dc\uc640\ub294 \uc870\uae08 \uac70\ub9ac\uac00 \uba40\ub2e4. \ubb38\uc81c\uac00 \uc0dd\uae30\uba74 \uc138\uae08\uc73c\ub85c \ud574\uacb0\ud560 \uac83\uc774\uace0, \uc774 \ub54c \uc190\ud574\ubcf4\ub294 \uac83\uc740 \ub610 \ubb34\uc8fc\ud0dd\uc790\uac00 \ub420 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\uc14b\uc9f8\ub85c \uc8fc\ud0dd \uac00\uaca9\uc774 \ud558\ub77d\ud560 \ub54c\ub294 \uc624\ud788\ub824 \uc9d1\uc744 \uc0ac\uae30\uac00 \uc27d\uc9c0\uac00 \uc54a\ub2e4. \uae08\ub9ac\uac00 \uc62c\ub77c\uc11c \uc8fc\ud0dd \uac00\uaca9\uc774 \ud558\ub77d\ud588\ub2e4\uba74, \ub300\ucd9c \uae08\ub9ac\uac00 \ube44\uc2f8\uc11c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \ubc1b\uae30\uac00 \uc27d\uc9c0 \uc54a\uc544\uc9c4\ub2e4. \uc11c\ubbfc\uce35\uc774\ub77c\uba74 \uc624\ud788\ub824 \ub354 \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\uae30 \uc5b4\ub824\uc6cc\uc9c4\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc8fc\ud0dd \uac00\uaca9\uc740 \ucc9c\ucc9c\ud788 \uc0c1\uc2b9\ud558\ub294 \uac83\uc774 \uacbd\uc81c\uc5d0 \ubc14\ub78c\uc9c1\ud558\ub2e4\ub294 \uac83\uc774 \ub0b4 \uc0dd\uac01\uc774\ub2e4. \uc8fc\ud0dd \uac00\uaca9\uc774 \ud558\ub77d\ud558\ub294 \uac83\uc740 \ub514\ud50c\ub808\uc774\uc158\uc774\ub2e4. \uacbd\uc81c\uc5d0 \uc88b\uc744 \ub9ac\uac00 \uc5c6\ub2e4. \ud558\ub77d\uae4c\uc9c0\ub294 \ubaa8\ub974\uaca0\ub294\ub370 \ud3ed\ub77d\ub860\uc740 \ub2e4\uc2dc \ubcf4\uace0 \uc2f6\uc9c0 \uc54a\ub2e4.<\/p>\n<p>\uc774\ub807\uac8c \ub418\ub2c8 \ub354 \uacac\ub514\uace0 \ub354 \ub3c8\uc744 \ubaa8\uc73c\ub294 \uac83 \ubcf4\ub2e4\ub294 \uc9d1\uc744 \uc0ac\ub294\uac8c \uc88b\uaca0\ub2e4\uace0 \uc0dd\uac01\ud558\uac8c \ub418\uc5c8\ub2e4. \ubd84\uc591\uad8c \ub9e4\uc785\uc744 \uace0\ubbfc\ud558\ub358 \uc911\uc774\uc5c8\ub294\ub370 6.19 \ubd80\ub3d9\uc0b0 \uc815\ucc45\uc73c\ub85c \uc11c\uc6b8\uc740 \ubaa8\ub450 \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed\uc774 \ub418\uc5c8\uace0, \uc778\uadfc\uc758 \ub0a8\uc591\uc8fc \ub2e4\uc0b0\uc2e0\ub3c4\uc2dc, \uad6c\ub9ac\uac08\ub9e4, \ud558\ub0a8 \ubbf8\uc0ac, \uc704\ub840, \uad11\uba85, \uacfc\ucc9c\uc774 \ubaa8\ub450 \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed\uc774 \ub418\uc5c8\ub2e4. \uc774\ub807\uac8c \ub418\uba74 \uc11c\uc6b8 \uc778\uadfc\uc740 \ubaa8\ub450 \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed\uc774 \ub418\uace0, \ub0a8\ub294 \uc9c0\uc5ed\uc774 \uc720\uc77c\ud558\uac8c \ubd80\ucc9c\uc774\ub2e4. \uc870\uc815\uc9c0\uc5ed\ub300\uc0c1\uc740 LTV \uac00 60%\uac00 \ub41c\ub2e4. \ubb34\uc8fc\ud0dd\uc790\/\uc11c\ubbfc\uc740 70% \uc720\uc9c0\ud574\uc900\ub2e4\uace0 \ud588\ub294\ub370, \ubd80\ubd80\ud569\uc0b0 6\ucc9c\ub9cc\uc6d0(\uc0dd\ucd08 7\ucc9c\ub9cc\uc6d0) \uc774\ud558\uac00 \ubb34\uc8fc\ud0dd\uc790\/\uc11c\ubbfc\uc73c\ub85c \ubd84\ub958\ub418\ub294\ub370 \uc774\uac83\ub3c4 \ub300\ub7b5\uc801\uc73c\ub85c \uc815\ub9d0 \uc9d1\uc774 \ud544\uc694\ud55c \uac00\ub09c\ud55c \uc0ac\ub78c\ub4e4\uc5d0\uac8c 70%\ub97c \ud574\uc8fc\ub294 \uac83\uc774 \ub9de\ub294\uc9c0 \uc758\ubb38\uc774\ub2e4. \uc774 \ub0b4\uc6a9\uc744 \uc7a0\uc2dc \uc0b4\ud3b4\ubcf4\uc790\uba74 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<ol>\n<li>\ubd80\ubd80\ud569\uc0b0 6~7\ucc9c \uc774\ud558\uc758 \uc218\uc785\uc0c1\ud669\uc5d0\uc11c \uc624\ub79c\uc2dc\uac04\ub3d9\uc548 \uc778\ub0b4\ub97c \uac00\uc9c0\uace0 \ub3c8\uc744 \uc624\ub7ab\ub3d9\uc548 \ubaa8\uc544\uc11c \uad6c\ub9e4\ud558\ub294 \uacbd\uc6b0 \u2192 LTV 70% \uc801\uc6a9 \u2192 \ubc14\ub78c\uc9c1<\/li>\n<li>\uc790\uc0b0\ub3c4 \ub192\uace0 \uc18c\ub4dd\ub3c4 \ub192\uc740 \uacbd\uc6b0 \u2192 LTV 60% \uc801\uc6a9 \u2192 \ubc14\ub78c\uc9c1<\/li>\n<li>\uae30\ubcf8 \uc790\uc0b0\uc774 \ubd80\ubaa8\uc5d0\uac8c\uc11c \uc99d\uc5ec\ub418\uace0 \ubcf8\uc778\uc774 \uc5b4\ub290\uc815\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc785\uc6d0\uc744 \uac00\uc9c4 \uacbd\uc6b0 \u2192 LTV 70% \uc801\uc6a9 \u2192 \uc774\uc0c1\ud568<\/li>\n<li>\uc790\uc0b0\uc740 \uac70\uc758 \uc5c6\uc9c0\ub9cc \uc18c\ub4dd \uc218\uc900\uc740 \ub192\uc740 \uacbd\uc6b0 \u2192 LTV 60% \uc801\uc6a9 \u2192 \uc774\uc0c1\ud568<\/li>\n<li>\uc790\uc0b0\ub3c4 \uc5c6\uace0 \uc18c\ub4dd\ub3c4 \uc5c6\ub294 \uacbd\uc6b0 \u2192 LTV 70% \uc801\uc6a9 \u2192 \uc758\ubbf8 \uc5c6\uc74c<\/li>\n<\/ol>\n<p>\uc544\ub9c8 \ubd80\ub3d9\uc0b0 \uc815\ucc45\uc5d0\uc11c \uac00\uc7a5 \uace0\ub824\ud558\uace0 \uc788\ub294 \uac83\uc740 \uc544\ub9c8\ub3c4 1\ubc88\uc758 \uacbd\uc6b0\uc77c \uac83\uc774\ub2e4. \uadf8\ub7f0\ub370 1\ubc88\uc5d0\uac8c \ud61c\ud0dd\uc744 \uc8fc\uae30 \uc704\ud574\uc11c 3\ubc88\uae4c\uc9c0 \ud61c\ud0dd\uc774 \uc81c\uacf5\ub41c\ub2e4. \uac00\ub09c\uc744 \ubc97\uc5b4\ub098\uae30 \uc704\ud574 \uac70\uc758 \uc778\uc0dd\uc758 \ub300\ubd80\ubd84\uc758 \uc2dc\uac04\ub3d9\uc548 \uc0ac\ud22c\ub97c \ubc8c\uc774\uace0 \uc788\ub294 1\ubc88\uc758 \uacbd\uc6b0\uc5d0\uac8c \ud61c\ud0dd\uc744 \uc8fc\uae30 \uc704\ud574 \uc0ac\uc2e4\uc0c1 \uc80a\uc740 \ubd80\uc790\ub77c\uace0 \ubcfc \uc218 \uc788\ub294 3\ubc88\uc5d0\uac8c \uae4c\uc9c0 \ud61c\ud0dd\uc774 \uc801\uc6a9\ub41c\ub2e4. \ub610 \uac00\ub09c\ud55c \uc0b6\uc744 \ubc97\uc5b4\ub098\uae30 \uc704\ud574 \uc5f4\uc2ec\ud788 \uc0b6\uc744 \uc0b4\uc544\uc624\uace0 \uc5b4\ub290 \uc815\ub3c4 \uc548\uc815\uc744 \ucde8\ud558\uace0 \uc788\ub294 \uc544\uc9c1\uae4c\uc9c0\ub294 \uc0ac\uc2e4\uc0c1 \uac00\ub09c\ud55c \uc774 \uc80a\uc740 4\ubc88\uc5d0\uac8c\ub294 \uc18c\ub4dd\uc774 \ub192\ub2e4\uace0 \ud61c\ud0dd\uc774 \uc801\uc6a9\ud558\uc9c0 \ubabb\ud558\uac8c \ub41c\ub2e4.<\/p>\n<p>\uc544\ubb34\ud2bc \uc62c\ud574 12\uc6d4\uc5d0 \ube68\ub9ac \uc9d1 \uc0ac\uc57c \ub418\uace0 \ud604\uc7ac \uc790\uae08\uc774 \ub9ce\uc9c0 \uc54a\uc740\ub370\ub2e4\uac00 \uc8fc\ud0dd \uac00\uaca9\uc774 \ub9ce\uc774 \uc62c\ub77c\uc11c, 70%\ub97c \ub300\ucd9c \ubc1b\uc544\uc57c \uc8fc\ud0dd\ub9c8\ub828\uc774 \uac00\ub2a5\ud55c\ub370 \uc774\ub807\uac8c \ud558\uc5ec \uc11c\uc6b8\uacfc \uadf8 \uc778\uadfc \ubaa8\ub4e0 \uc9c0\uc5ed\uc758 \uc544\ud30c\ud2b8 \uad6c\ub9e4\uac00 \ubd88\uac00\ub2a5\ud558\uac8c \ub418\uc5c8\ub2e4. \uc9c0\ub3c4\ub97c \ubcf4\ub2c8 \uc11c\uc6b8\uacfc \ubd99\uc5b4\uc788\ub294 \uc218\ub3c4\uad8c\uc9c0\uc5ed\uc5d0\uc11c LTV 70% \ub97c \uc5bb\uc5b4\ub0bc \uc218 \uc788\ub294 \uacf3\uc740 \ubd80\ucc9c\ubc16\uc5d0 \uc5c6\uc5c8\ub2e4. \uadf8\ub798\uc11c \uc0dd\uac01\ud574\ubcf4\ub2c8 2\ub144\uc804\uc5d0 \ubd80\ucc9c \uc625\uae38\uc758 \uc81c\uc774\ub4dc\uce74\uc6b4\ud2f0(\ud55c\uc2e0\ud734\ud50c\ub7ec\uc2a4)\uac00 \ub5a0\uc62c\ub790\uace0, \ubc14\ub85c \ubd84\uc591\uad8c \ub9e4\ubb3c\uc744 \ud655\uc778\ud574\ubcf4\ub2c8 P \uac00 3000 ~ 5000 \uc815\ub3c4\ub85c \ud615\uc131\ub418\uc5b4 \uc788\uc5c8\ub2e4. \ub2f9\uc2dc\uc5d0 \uc8fc\ubcc0\uacfc \ube44\uad50\ud558\uc5ec \uc0c1\ub300\uc801\uc73c\ub85c \ubd84\uc591\uac00\uac00 \ub192\uc558\uace0, \uc9c0\uc5ed\uc801\uc73c\ub85c \uc544\uc8fc \ud56b\ud55c \uc9c0\uc5ed\uc740 \uc544\ub2c8\ub77c\uc11c \ud604\uc7ac\ub294 \ud504\ub9ac\ubbf8\uc5c4\uc774 \uc57d\ud558\uac8c \ubd99\uc5b4 \uc788\uae30\uc5d0 \uacb0\uad6d \uc625\uae38 \ud55c\uc2e0\ud734\ud50c\ub7ec\uc2a4\uc758 \ubd84\uc591\uad8c\uc744 \ub9e4\uc785\ud558\uac8c \ub418\uc5c8\ub2e4. \uc544\uc9c1 \uacc4\uc57d\ub9cc \ub41c \uc0c1\ud0dc\uc774\uace0, 8\uc6d4 10\uc77c\uc5d0 \ubd84\uc591\uad8c\uc774 \uc644\uc804\ud788 \ub118\uc5b4\uc624\uac8c \ub418\ub294\ub370 \ubab9\uc2dc \uc124\ub808\uc778\ub2e4.<\/p>\n<p>2\ub144 \uc804\uc5d0 \ubbf8\ubd84\uc591\ub09c \ubd80\ucc9c \uc625\uae38\uc758 \ud55c\uc2e0\ud734\ud50c\ub7ec\uc2a4\uc758 1\uce35 \ub9e4\ubb3c\uc774 3\uc5b5 6\ucc9c \uc218\uc900(\ud655\uc7a5\ube44\/\ub300\ucd9c\uc774\uc790\uae4c\uc9c0 3\uc5b5 9\ucc9c\uc815\ub3c4)\uc774\uc5c8\ub294\ub370 \uadf8 \ub54c \ud55c\ucc38\uc744 \uace0\ubbfc\ud558\ub2e4\uac00 \uc704\uc5d0\uc11c \ub9d0\ud55c \uc720\ud29c\ube0c \uc601\uc0c1\uc744 \ubcf4\uace0 \ub9c8\uc74c\uc744 \uc811\uc740 \uc801\uc774 \uc788\uc5c8\ub2e4. \uacb0\uad6d 2\ub144\uc774 \uc9c0\ub09c \uc9c0\uae08\uc740 1\uce35 \ub9e4\ubb3c\uc740 \uc874\uc7ac\ud558\uc9c0 \uc54a\uace0, \uae30\ubcf8 4\uc5b5 1\ucc9c \uc218\uc900(\ud655\uc7a5\ube44\/\uc5d0\uc5b4\ucee8\/\ub300\ucd9c\uc774\uc790\uae4c\uc9c0 4\uc5b5 5\ucc9c \uc815\ub3c4)\uc758 20\uce35 \ub9e4\ubb3c\uc744 \ud504\ub9ac\ubbf8\uc5c4\uc744 \uc5b9\uc5b4\uc11c \uc0ac\uc57c \ud558\ub294 \uac83\uc774\uace0, \uadf8 \ub54c \uad6c\ub9e4\ud55c \uac83\uacfc \uc9c0\uae08 \uad6c\ub9e4\ud558\ub294 \uac83\uc758 \uccb4\uac10 \ucc28\uc774\ub294 \uc6b0\uc120 \uac70\uc758 1\uc5b5\uc774\ub2e4. \uce35\uc218\uac00 \ub2e4\ub978 \ubd80\ubd84\uc740 \ub098\uc911\uc5d0 \ud314 \ub54c\ub294 \ub3cc\uc544\uc624\uaca0\uc9c0\ub9cc, \ub2f9\uc7a5 \ubd80\ub2f4\uc774 \ub354 \ucee4\uc9c4 \uac83\uc774 \uc544\uc27d\ub2e4. \uadf8 \ub54c \ud588\uc5c8\uc73c\uba74 \uc9c0\uae08\uc758 \ubd80\ub2f4\uc774 \ud6e8\uc52c \ub35c\ud588\uc744\ud150\ub370 \ub9d0\uc774\ub2e4.<\/p>\n<p>\uc625\uae38 \ubd84\uc591\uad8c\uc744 \ub9e4\uc785\ud55c\ub2e4\uace0 \ud558\ub2c8 \ucd5c\ucd08 \ubd80\ubaa8\ub2d8\ub4e4\uc774 \uaca9\ud558\uac8c \ubc18\ub300\ud558\uc168\ub2e4. \ubd80\ucc9c\uc740 \uc548\uac00\uc2e0\ub2e8\ub2e4. \ub450 \uac00\uc9c0\ub97c \ub9d0\uc500\ub4dc\ub838\ub2e4. \uccab\uc9f8\ub294 \uc6b0\ub9ac\uac00 \uc6b0\ub9ac \uc9d1\uc5d0\uc11c \uc0b4\uace0 \uc2f6\uc73c\uba74 \ub2f9\uc7a5 \ub9e4\ub9e4\ud560 \uc218 \uc788\ub294 \uac74 \ub300\ucd9c 70% \uac00\ub2a5\ud55c \ubd80\ucc9c \uc625\uae38 \ubc16\uc5d0 \uc5c6\ub2e4\ub294 \uac83\uc774\uc5c8\uace0, \ub458\uc9f8\ub294 \ubd80\ucc9c \uc625\uae38\uc740 \uc0dd\uac01\ubcf4\ub2e4 \uc88b\uc740 \ub3d9\ub124\ub77c\ub294 \uac83\uc774\uc5c8\ub2e4. \uadf8\ub9ac\uace0 \ud55c\ubc88\ub3c4 \ubabb \ubcf8 \uc9c0\uc5ed\uc5d0 \uac00\uacc4\uc57d\uae08\uc744 \uba3c\uc800 \ub123\uc5c8\uace0, \uacc4\uc57d\ud558\ub294 \ub2f9\uc77c\uc5d0 \ubd80\ubaa8\ub2d8\uacfc \uc640\uc774\ud504, \uc544\uac00\uc640 \ud568\uaed8 \ucc98\uc74c\uc73c\ub85c \uc625\uae38\uc5d0 \ub2e4\ub140\uc654\ub2e4. \uc5ed\uc2dc \uc0dd\uac01\ub9cc\ud07c \uc88b\uc740 \ub3d9\ub124\uc600\uace0, \ub354\uc774\uc0c1 \ubd80\ubaa8\ub2d8\ub3c4 \ud070 \ubc18\ub300\ub294 \uc5c6\uc73c\uc2e0 \ub4ef \ubcf4\uc778\ub2e4.<\/p>\n<p>\uc774\ub7f0 \uacb0\uc815\uc740 \ub9c8\uce58 \ub0b4\uac00 \ud55c \uacb0\uc815\ucc98\ub7fc \ubcf4\uc774\uc9c0\ub9cc, \uc0ac\uc2e4 \ubaa8\ub4e0 \uacb0\uc815\uc740 \uc790\uc5f0\uc801\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9c4 \uac83\uc774\ub098 \ub2e4\ub984\uc774 \uc5c6\ub2e4. \uc9d1 \uac12\uc774 \uc624\ub974\uace0 \uc788\uc73c\ub2c8 \uc9d1\uc744 \uc0ac\uc57c \ud558\ub294 \uac83\uc774\uace0, 70% \ub300\ucd9c\uc774 \ub098\uc640\uc57c \uc9d1\uc744 \uc0b4 \uc218 \uc788\uc73c\ub2c8 \ubd80\ucc9c \uc625\uae38\uc774\uc5c8\uace0, \ubc29\uc774 4\uac1c\uc5ec\uc57c \ud588\uc73c\ub2c8 \ud638\ubc18\uacfc \ud55c\uc2e0\ubc16\uc5d0 \uc5c6\uc5c8\uace0, \ud638\ubc18\uacfc \ud55c\uc2e0\uc758 \uc804\uccb4 \ub9e4\ub9e4\uac00\ub294 \ube44\uc2b7\ud558\uc9c0\ub9cc \ucd5c\ucd08 \ubd84\uc591\uac00\ub294 \ud55c\uc2e0\uc774 \ub354 \ub192\uc740\ub370 \ud638\ubc18\uc5d0 P\uac00 \ub354 \ub9ce\uc774 \ubd99\uc5b4\uc11c \uadf8\ub807\uac8c \ub41c \uac83\uc774\ub2c8, \ucd5c\ucd08 \ubd84\uc591\uac00\uac00 \ub192\uc740 \ud55c\uc2e0\uc774 \ud004\ub9ac\ud2f0\uac00 \ub354 \ub192\uc744 \uac83\uc774 \ub2f9\uc5f0\ud558\uae30\uc5d0 \ud55c\uc2e0\uc774\uc5c8\ub2e4. 2017\ub144\uc5d0 12\uc6d4\uc5d0 \uc6b0\ub9ac \uac00\uc871\uc774 \ubd80\ucc9c \uc625\uae38 \ud55c\uc2e0\ud734\ud50c\ub7ec\uc2a4\ub85c \uac00\uc57c \ud55c\ub2e4\ub294 \uac83\uc740 \uadf8\ub0e5 \uadf8\ub807\uac8c \ud574\uc57c \ud558\ub294 \uac83\uc774\ub77c\ub294 \uac83\uc774\ub2e4. \ub098\uc911\uc5d0 \ud6c4\ud68c\ub294 \uc5c6\uc744 \uac83 \uac19\ub2e4. \uc774\uac74 \ube7c\ub3c4 \ubc15\ub3c4 \ubabb\ud558\ub294 \uc815\ud574\uc9c4 \uc120\ud0dd\uc774\ub2e4. \uc774 \uacb0\uc815\uc73c\ub85c \uc778\ud574 \uc0b6\uc5d0 \uc5b4\ub5a4 \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud55c\ub2e4\uba74 \uadf8\ub0e5 \uc6b4\uba85\uc73c\ub85c \ubc1b\uc544\ub4e4\uc5ec\uc57c \ud560 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n<p>[2020\ub144 3\uc6d4 \ub0b4\uc6a9 \ucd94\uac00] \ub2e4\ud589\ud788 \uc544\ud30c\ud2b8 \uac00\uaca9\uc740 \ud638\uac00\uac00 7\uc5b5 8\ucc9c\ub9cc\uc6d0\uc774 \ub418\uc5c8\uace0, 8\uc5b5\uc6d0\uc744 \ud5a5\ud574 \uac00\uace0 \uc788\ub2e4.<\/p>\n<p>[2021\ub144 9\uc6d4 \ub0b4\uc6a9 \ucd94\uac00] \uc2e4\uac70\ub798\uac00\ub294 10\uc5b5\uc774 \uc870\uae08 \uc548\ub418\uba70, \ud638\uac00\ub294 10\uc5b5\uc744 \ud6cc\uca4d \ub6f0\uc5b4\ub118\uc5c8\ub2e4.<\/p>\n<p>[2022\ub144 2\uc6d4 \ub0b4\uc6a9 \ucd94\uac00] \uc2e4\uac70\ub798\uac00\ub294 10\uc5b5\uc774 \ub118\uc5c8\uc73c\uba70, \ud638\uac00\ub294 11~12\uc5b5 \uc218\uc900\uc774\ub2e4.<\/p>\n<p>\u2605 \ub4dc\ub514\uc5b4 \uae08\ub9ac \uc778\uc0c1 \uc2dc\uc791 \u2605<\/p>\n<p>[2022\ub144 10\uc6d4 \ub0b4\uc6a9 \ucd94\uac00] \uc2e4\uac70\ub798\uac00\ub294 8\uc5b5 5\ucc9c \uc218\uc900, \ud638\uac00\ub294 9~10\uc5b5 \uc218\uc900\uc774\ub2e4.<\/p>\n<p>[line][\/line]<\/p>\n<p><span style=\"color: #0000ff; font-size: 15pt;\">\u25a3 \ucd5c\uadfc \uc544\ub4e4\uacfc\uc758 \uad00\uacc4 <\/span><\/p>\n<p>\ucd5c\uadfc \uc8fc\ub9d0\uc5d0 \ud560 \uc77c\uc774 \uc5c6\ub294 \ub0a0\uc774\uba74 \uc9d1\uc5d0 \uc788\ub294 \uac00\uc871\ub4e4\uacfc \ud568\uaed8 \ubb34\uc870\uac74 \uc544\uac00\ub97c \ub370\ub9ac\uace0 \uc5b4\ub9b0\uc774 \ub300\uacf5\uc6d0\uc5d0 \ub2e4\ub2c8\uace0 \uc788\ub2e4. \uc774\uc81c\uc11c\uc57c \uc544\ube60\ub97c \uc870\uae08 \uc54c\uc544\ubcf4\uba74\uc11c \uc88b\uc544\ud574\uc8fc\ub294 \uac83 \uac19\uc544\uc11c \uc990\uac81\ub2e4. \ubcf4\uba74 \ubcfc\uc218\ub85d \ub354 \uc608\uc05c \uc544\ub4e4\uc774 \uc810\uc810 \ub0b4 \uc0b6\uc758 \ud070 \ubd80\ubd84\uc774 \ub418\uc5b4 \uac00\uace0 \uc788\ub2e4. \ud589\ubcf5\ud558\uace0, \uac74\uac15\ud558\uac8c, \uc815\uc2e0\uc801\uc73c\ub85c\ub3c4 \uac15\ud558\uac8c \ud0a4\uc6cc\uc11c \ubcf4\ub2e4 \uc790\uc720\ub86d\uac8c \ud574\uc8fc\uc5b4\uc57c \ud560\ud150\ub370&#8230; \uc798 \ub418\uaca0\uc9c0.<\/p>\n<p><img src=\"http:\/\/hyunsik.me\/wordpress\/wp-content\/uploads\/2017\/07\/IMG_8443-e1501341902737-768x1024.jpg\" alt=\"\" width=\"350\" \/><\/p>\n<p>\ucd5c\uadfc\uc5d0\ub294 \uc704 \ub0b4\uc6a9\ub4e4\uacfc \uc774\uc5b4\uc9c0\ub294 \uc5ec\ub7ec\uac00\uc9c0 \uc774\ub7f0 \uc800\ub7f0 \uc0dd\uac01\ub4e4\ub85c \uc778\ud574 \uc7a0\uc744 \uc81c\ub300\ub85c \uc798 \uc218\uac00 \uc5c6\ub2e4. \uc624\ud6c4\uc5d0 \ucd9c\uadfc\ud558\uac70\ub098, 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\ub192\uc544\uc11c, \uc9c0\ub09c \ud55c \ub2ec \ub3d9\uc548 \uc544\ub974\ubc14\uc774\ud2b8\uc0dd\ub4e4\ub9cc 9\uba85\uc774 \uc0c8\ub85c \ub4e4\uc5b4\uc654\ub294\ub370 \uadf8 \uc911 4\uba85\uc774 \ubc14\ub85c \uadf8\ub9cc \ub450\uc5c8\ub2e4. \uadf8\ub9ac\uace0 \uc774 \uae00\uc758 \ub0b4\uc6a9\uc740 \uadf8 4\uba85 \uc911 1\uba85\uc774 \uadf8\ub9cc\ub454 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