{"id":130,"date":"2022-07-27T20:33:45","date_gmt":"2022-07-27T20:33:45","guid":{"rendered":"https:\/\/koamrealty.com\/2022\/?p=130"},"modified":"2022-07-27T20:33:45","modified_gmt":"2022-07-27T20:33:45","slug":"%eb%af%b8%ea%b5%ad%ec%97%90%ec%84%9c-%ec%a7%91-%ec%82%ac%ea%b8%b0-%ec%a2%8b%ec%9d%80-%ec%8b%9c%ea%b8%b0","status":"publish","type":"post","link":"https:\/\/koamrealty.com\/2022\/news\/%eb%af%b8%ea%b5%ad%ec%97%90%ec%84%9c-%ec%a7%91-%ec%82%ac%ea%b8%b0-%ec%a2%8b%ec%9d%80-%ec%8b%9c%ea%b8%b0\/","title":{"rendered":"\ubbf8\uad6d\uc5d0\uc11c \uc9d1 \uc0ac\uae30 \uc88b\uc740 \uc2dc\uae30"},"content":{"rendered":"<p>4~5\uc6d4\uc774\uba74 \uc774\uc0ac\ucca0\uc774\ub2e4. \uc9d1 \uc0ac\uae30 \uc544\uc8fc \uc88b\uc740 \ubd80\ub3d9\uc0b0 \uc131\uc218\uae30\uc774\ub2e4. \ud558\uc9c0\ub9cc \uba87 \ub2ec \uc0ac\uc774 \uac11\uc791\uc2a4\ub7fd\uac8c \ubd80\ub3d9\uc0b0 \uacbd\uae30\uac00 \uc5bc\uc5b4\ubd99\uc5c8\ub2e4.<\/p>\n<p>\uace0\ubb3c\uac00\uc640 \uc774\uc790\uc728 \uc0c1\uc2b9\uc774 \uacbd\uc81c \uc804\ubc18\uc5d0 \ub300\ud55c \ubd88\uc548\uc73c\ub85c \uc774\uc5b4\uc838\uc11c \ubc14\uc774\uc5b4\ub4e4\uc758 \uc8fc\ud0dd \uad6c\ub9e4\uc695\uc774 \ub5a8\uc5b4\uc84c\ub2e4. \ub9c8\uce58 \ubaa8\ub4e0 \ubc14\uc774\uc5b4\uac00 \uc57d\uc18d\uc774\ub098 \ud55c \uac83\ucc98\ub7fc 5\uc6d4 \ucd08 \ub4e4\uc5b4 \ubc14\uc774\uc5b4\ub4e4\uc758 \ubc1c\uae38\uc774 \ub738\ud574\uc84c\ub2e4. \ubaa8\uae30\uc9c0 \uc774\uc790\uc728\uc774 \ub354 \uc62c\ub77c\uac04\ub2e4\uace0 \ud558\ub2c8 \ubc14\ub85c \uba87\ub2ec \uc804\uc5d0 \ub204\ub838\ub358 \uc804\ub840 \uc5c6\ub294 \ubd80\ub3d9\uc0b0 \ud638\ud669\uc740 \uc27d\uac8c \ubc14\ub85c \ub3cc\uc544\uc624\uc9c0 \uc54a\uc744 \uac83 \uac19\ub2e4.<\/p>\n<p>\uadf8\ub7f0\ub370 \uc774\ub7f0 \uc0c1\ud669\uc5d0\uc11c \uc9c0\uae08\uc774 \uc9d1 \uc0ac\uae30\uc5d0 \uc88b\uc740 \uc2dc\uae30\ub77c\uace0 \uc624\ud788\ub824 \ubc18\uae30\ub294 \ubc14\uc774\uc5b4\ub4e4\uc774 \uc788\ub2e4. \ub354 \uc88b\uc740 \uac70\ub798\ub97c \ud560 \uc218 \uc788\uace0 \ub0b4 \uc9d1 \ub9c8\ub828\ud558\uae30\uc5d0 \uc88b\uc740 \ubc14\uc774\uc5b4\uce35\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<p>\uccab\uc9f8, \uc9c0\ub09c \uc218\ub144\uac04 \ub0b4 \uc9d1 \ub9c8\ub828\uc744 \uc704\ud574 \uc900\ube44\ud558\uace0 \uace0\uad70\ubd84\ud22c\ud588\uc9c0\ub9cc \ucda9\ubd84\ud55c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \uc900\ube44\ud558\uc9c0 \ubabb\ud55c \uc80a\uc740 \uc138\ub300\ub294 \uc9c0\uae08 \uc2dc\uc7a5\uc5d0\uc11c \ub0b4 \uc9d1 \ub9c8\ub828\ud560 \uac00\ub2a5\uc131\uc774 \uc624\ud788\ub824 \ub354 \ucee4\uc84c\ub2e4. \uc804\uc5d0\ub294 \ub2e4\uc6b4 \ud398\uc774\uba3c\ud2b8\uac00 \uc801\ub2e4 \ubcf4\ub2c8 \ubcf5\uc218 \uc624\ud37c\uc5d0\uc11c \ubc88\ubc88\uc774 \ubc00\ub824\ub098\uace0 \uc218\ub9cc\ub2ec\ub7ec\uc529 \uc624\ub974\ub294 \uac00\uaca9 \uacbd\uc7c1\uc5d0\uc11c \uc5c4\ub450\ub97c \ub0b4\uc9c0 \ubabb\ud55c \uc801\uc774 \ub9ce\uc558\ub2e4. \uadf8\ub7f0\ub370 \ub9e4\ubb3c\ub3c4 \uc804\ubcf4\ub2e4 \ub354 \ub9ce\uc544 \uc120\ud0dd\uc758 \ud3ed\uc774 \ub113\uc5b4\uc84c\uace0 \ubcf5\uc218 \uc624\ud37c\uac00 \uc544\ub2cc \uc0c1\ud669\uc774 \ub9ce\uc544\uc11c \uc88b\uc740 \ub51c\ub85c \uc8fc\ud0dd \uad6c\ub9e4\uc758 \uae38\uc774 \uc5f4\ub838\ub2e4.<\/p>\n<p>\ub458\uc9f8, \uc774\uc790\uac00 \ub9ce\uc774 \uc62c\ub790\ub2e4\uace0 \ud558\ub098 \ucd5c\uadfc 2\ub144 \ub3d9\uc548\uacfc \ube44\uad50\ud574\uc11c \ub9ce\uc774 \uc624\ub978 \uac83\uc774 \uc544\ub2c8\ub77c\uace0 \ub290\ub07c\ub294 \uad6c\ub9e4\uc790\ub4e4\uc774\ub2e4. \uc9c0\uae08 5% \uc911\ubc18\uc758 \uc774\uc790\uc728\uc740 \ucf54\ub85c\ub098 \uc2dc\ub300 \uc774\uc804\uc758 \uc774\uc790\uc728\uacfc \uac19\uac70\ub098 \uc624\ud788\ub824 \ub0ae\uc740 \uc774\uc790\uc728\uc774\ub2e4. 3.5% \ub2e4\uc6b4\ud398\uc774\ub97c \ud558\uace0 FHA \uc735\uc790\ub97c \ubc1b\uace0\uc790 \ud558\ub294 \ubc14\uc774\uc5b4\ub4e4\uc5d0\uac8c\ub294 4.75~5.25%\uc758 \uc774\uc790\uc728\ub85c \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud560 \uc218 \uc788\ub2e4. \u00a05% \uc774\ud558\uc758 \uc774\uc790\uc728\uc740 \uc544\uc9c1\ub3c4 \uc88b\uc740 \uc774\uc790\uc728\uc774\ub77c\uace0 \ubcfc \uc218 \uc788\ub2e4.<\/p>\n<p>\uc14b\uc9f8, 20% \uc774\ud558\ub85c \uc735\uc790\ud560 \uacbd\uc6b0\uc5d0\ub294 PMI(Private Mortgage Insurance)\ub97c \ub4e4\uc5b4\uc57c \ud55c\ub2e4. \uc740\ud589\uc5d0\uc11c \ub0ae\uc740 \ub2e4\uc6b4 \ud398\uc774\uba3c\ud2b8\ub97c \ud558\ub294 \ubc14\uc774\uc5b4\ub4e4\uc758 \uc5f0\uccb4\ub098 \ucc28\uc555 \uc704\ud5d8 \uc694\uc18c\ub97c \ubbf8\ub9ac \ub9c9\uae30 \uc704\ud574 \ubc14\uc774\uc5b4\uac00 PMI\ub97c \ub4e4\uac8c \ud558\ub294\ub370 \ubc14\uc774\uc5b4\ub4e4\uc774 \ube44\uc6a9\uc744 \uc9c0\ubd88\ud574\uc57c \ud55c\ub2e4. \ud558\uc9c0\ub9cc \uc774 PMI \uae08\uc561\uc774 \uc804\uacfc \ub2ec\ub9ac \uc0c1\ub2f9\ud788 \ub0ae\uc544\uc84c\uae30 \ub54c\ubb38\uc5d0 20% \uc774\ud558\ub85c \uc735\uc790\ud558\ub294 \ubc14\uc774\uc5b4\ub4e4\uc5d0\uac8c \uc5ec\uac04 \ud76c\uc18c\uc2dd\uc774 \uc544\ub2c8\ub2e4. \uac00\ub839 5%\ub9cc \ub2e4\uc6b4\ud558\uace0 50\ub9cc\ub2ec\ub7ec\ub97c \uc735\uc790\ud588\uc744 \uacbd\uc6b0 2018\ub144\uc5d0\ub294 PMI \uae08\uc561\uc774 \uc6d4 170\ub2ec\ub7ec \uc774\uc0c1\uc774\uc5c8\ub294\ub370 \uc9c0\uae08\uc740 \uc57d \uc6d4 84\ub2ec\ub7ec \uc815\ub3c4\ub9cc \uc9c0\ubd88\ud558\uba74 \ub41c\ub2e4. \ud558\uc9c0\ub9cc \ud06c\ub808\ub527\uc774 750\uc810 \uc774\uc0c1 \ub418\uc5b4\uc57c \ud55c\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \ub2e4\uc6b4 \ud398\uc774\uba3c\ud2b8\uac00 \ub9ce\uc9c0 \uc54a\uc9c0\ub9cc, \uadf8\ub3d9\uc548 \uc8fc\ud0dd\uc744 \uc0ac\uae30 \uc704\ud574 \ud06c\ub808\ub527\uc744 \uc798 \uac00\uafbc \uc900\ube44\ub41c \ubc14\uc774\uc5b4\ub4e4\uc5d0\uac8c\ub294 \uc9d1 \uc0ac\uae30 \uc88b\uc740 \uc2dc\uc7a5\uc774\ub77c\uace0 \ubcfc \uc218 \uc788\ub2e4.<\/p>\n<p>\ub137\uc9f8, \uc140\ub7ec \uc785\uc7a5\ub3c4 \ubc14\uc058\uc9c0 \uc54a\ub2e4. \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548\uc5f0 10% \uc774\uc0c1 \uc624\ub978 \uc8fc\ud0dd \uac00\uaca9\uc744 \uace0\ub824\ud574 \uc140\ub7ec\ub4e4\uc740 \uc62c \ucd08 \uad00\uc131\uc5d0 \uc758\ud574 \ubc14\ub85c \uc804\uc5d0 \ud314\ub9b0 \uac00\uaca9\uc5d0 2\ub9cc~3\ub9cc\ub2ec\ub7ec\ub97c \uc62c\ub824 \uc2dc\uc7a5\uc5d0 \ub0b4\ub193\uc558\ub2e4. \uadf8\ub807\uc9c0\ub9cc \uc2dc\uc7a5\uc774 \ubcc0\ud654\ud558\ub294 \ub9cc\ud07c \uc9c0\uae08\uc774 \uac00\uc7a5 \ub192\uc740 \uac00\uaca9\uc784\uc744 \uace0\ub824\ud55c\ub2e4\uba74 \uad00\uc131\uc5d0 \uc758\ud574 \uac00\uaca9\uc744 \uc62c\ub9ac\uae30\ubcf4\ub2e4\ub294 \uc695\uc2ec\uc744 \ubc84\ub9ac\uace0 \uc624\ud788\ub824 5% \uac00\uaca9\uc744 \ub0b4\ub824 \uc2dc\uc7a5\uc5d0 \ub0b4\ub193\ub294\ub2e4\uba74 \uc798 \ud314\ub9b4 \uc218 \uc788\ub2e4. \uc544\uc9c1\ub3c4 \uc140\ub7ec\uc5d0\uac8c\ub3c4 \uc720\ub9ac\ud55c \uc2dc\uc7a5\uc774\ub77c\uace0 \ubcfc \uc218 \uc788\ub2e4.<\/p>\n<p>2000\ub144\ub3c4 \ud6c4\ubc18\uc5d0 \uc788\uc5c8\ub358 \uc11c\ube0c \ud504\ub77c\uc784 \ud328\ub2c9 \uc0ac\ud0dc\ub294 \uc5c6\uc744 \uac83\uc774\ub77c\uace0 \uc608\uc0c1\ud55c\ub2e4. \uc8fc\ud0dd\uc774 \ud544\uc694\ud55c \ubd84\ub4e4\uc774 \uc0b4 \uc218 \uc788\uace0 \ub2e4\ub978 \uacf3\uc73c\ub85c \uc774\uc0ac\ud558\ub294 \uc140\ub7ec\ub4e4\uc774 \uc2dc\uc7a5\uc5d0\uc11c \ubb34\ub9ac \uc5c6\uc774 \ud30c\ub294 \uadf8\ub7f0 \uc815\uc0c1\uc801\uc778 \uc2dc\uc7a5\uc774 \uc62c \uac83\uc774\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"4~5\uc6d4\uc774\uba74 \uc774\uc0ac\ucca0\uc774\ub2e4. \uc9d1 \uc0ac\uae30 \uc544\uc8fc \uc88b\uc740 \ubd80\ub3d9\uc0b0 \uc131\uc218\uae30\uc774\ub2e4. \ud558\uc9c0\ub9cc \uba87 \ub2ec \uc0ac\uc774 \uac11\uc791\uc2a4\ub7fd\uac8c \ubd80\ub3d9\uc0b0 \uacbd\uae30\uac00 \uc5bc\uc5b4\ubd99\uc5c8\ub2e4. \uace0\ubb3c\uac00\uc640 \uc774\uc790\uc728 \uc0c1\uc2b9\uc774 \uacbd\uc81c \uc804\ubc18\uc5d0 \ub300\ud55c \ubd88\uc548\uc73c\ub85c \uc774\uc5b4\uc838\uc11c \ubc14\uc774\uc5b4\ub4e4\uc758 \uc8fc\ud0dd \uad6c\ub9e4\uc695\uc774 \ub5a8\uc5b4\uc84c\ub2e4. \ub9c8\uce58 \ubaa8\ub4e0 \ubc14\uc774\uc5b4\uac00 \uc57d\uc18d\uc774\ub098 \ud55c \uac83\ucc98\ub7fc 5\uc6d4 \ucd08 \ub4e4\uc5b4 \ubc14\uc774\uc5b4\ub4e4\uc758 \ubc1c\uae38\uc774 \ub738\ud574\uc84c\ub2e4. \ubaa8\uae30\uc9c0 \uc774\uc790\uc728\uc774 \ub354 \uc62c\ub77c\uac04\ub2e4\uace0 \ud558\ub2c8 \ubc14\ub85c \uba87\ub2ec \uc804\uc5d0 \ub204\ub838\ub358 \uc804\ub840 \uc5c6\ub294 \ubd80\ub3d9\uc0b0 \ud638\ud669\uc740 \uc27d\uac8c \ubc14\ub85c&#8230; <a class=\"view-article\" href=\"https:\/\/koamrealty.com\/2022\/news\/%eb%af%b8%ea%b5%ad%ec%97%90%ec%84%9c-%ec%a7%91-%ec%82%ac%ea%b8%b0-%ec%a2%8b%ec%9d%80-%ec%8b%9c%ea%b8%b0\/\">View Article<\/a>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/posts\/130"}],"collection":[{"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/comments?post=130"}],"version-history":[{"count":1,"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/posts\/130\/revisions"}],"predecessor-version":[{"id":131,"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/posts\/130\/revisions\/131"}],"wp:attachment":[{"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/media?parent=130"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/categories?post=130"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/tags?post=130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}