\uc62c\ud574 \uae30\uc900\uae08\ub9ac \uc778\uc0c1\uc774 \uc608\uace0\ub41c 3\ucc28\ub840\ubcf4\ub2e4 \ub354 \ub9ce\uc544\uc9c8 \uc218 \uc788\ub2e4\ub294 \uc18c\uc2dd\uc5d0 \ube44\uc218\uae30\uc778 \uaca8\uc6b8\uc5d0\ub3c4 \uc8fc\ud0dd \ub9e4\ub9e4\uac00 \ub9e4\uc6b0 \ud65c\ubc1c\ud558\ub2e4.<\/p>\n
\uc804\uad6d\ubd80\ub3d9\uc0b0\uc911\uac1c\uc778\ud611\ud68c(NAR)\uac00 \uc6b4\uc601\ud558\ub294 \ub9ac\uc5bc\ud130\ub2f7\ucef4\uc774 \uc62c\ud574 \uc804\ub9dd\ud55c \uc8fc\ud0dd \uac70\ub798 \uc99d\uac00\ub960\uc740 6.6%\ub2e4. \ub2e4\ub2c8\uc5d8 \ud5e4\uc77c \ub9ac\uc5bc\ud130\ub2f7\ucef4 \uc218\uc11d \uc774\ucf54\ub178\ubbf8\uc2a4\ud2b8\ub294 \u201c\ud1b5\uc0c1 \ube44\uc218\uae30\uc778 11\uc6d4\uacfc 12\uc6d4\uc5d0\ub3c4 \uc8fc\ud0dd \uc2dc\uc7a5\uc758 \uc18c\uac15\uc0c1\ud0dc \ud604\uc0c1\uc774 \uc77c\uc5b4\ub098\uc9c0 \uc54a\uc558\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4. \uae30\uc900\uae08\ub9ac \ucd94\uac00 \uc778\uc0c1\uc5d0 \ubaa8\uae30\uc9c0 \uae08\ub9ac\uac00 \ub354 \uc624\ub97c \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\uc5d0 \uc608\ube44 \uc8fc\ud0dd \ubc14\uc774\uc5b4\ub4e4\uc774 \uc8fc\ud0dd \ub9e4\uc785\uc5d0 \ub098\uc120 \uac8c \uc6d0\uc778 \uc911 \ud558\ub098\ub77c\ub294 \uac8c \uc804\ubb38\uac00\ub4e4\uc758 \ubd84\uc11d\uc774\ub2e4.<\/p>\n
\ubd80\ub3d9\uc0b0 \uc5c5\uacc4\ub294 \uc62c\ud574\ub3c4 \ub9e4\ubb3c \ubd80\uc871\uc774 \uc5ec\uc804\ud574 \ub0b4 \uc9d1 \ub9c8\ub828\uc744 \uc6d0\ud55c\ub2e4\uba74 \ubbf8\ub9ac\ubbf8\ub9ac \uce58\uc5f4\ud55c \uad6c\ub9e4 \uacbd\uc7c1\uc5d0 \ub300\ube44\ud558\ub294 \uac8c \ud544\uc694\ud558\ub2e4\uace0 \uc870\uc5b8\ud588\ub2e4.<\/p>\n
\u25b6\ud06c\ub808\ub527\uc810\uc218<\/b><\/p>\n
\ubaa8\uae30\uc9c0 \uae08\ub9ac\uc640 \ub300\ucd9c \uc2b9\uc778\uc5d0 \ud06c\ub808\ub527\uc810\uc218\ub294 \ub9e4\uc6b0 \uc911\uc694\ud558\ub2e4. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uae08\uc561\uc5d0\ub3c4 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\ub2e4. \ub418\ub3c4\ub85d \ud06c\ub808\ub527\uc810\uc218\ub97c \ub192\uc774\ub294 \uac8c \ub300\ucd9c \uc2dc \uc6b0\ub300\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 \uc9c0\ub984\uae38\uc774\ub2e4.<\/p>\n
\uc77c\ub840\ub85c 30\ub144 \uace0\uc815 \ubaa8\uae30\uc9c0\ub85c 40\ub9cc \ub2ec\ub7ec\ub97c \ub300\ucd9c\ubc1b\uc544\uc11c \uc9d1\uc744 \uc0b0\ub2e4\uace0 \uac00\uc815\ud560 \ub54c, FICO\ub300\ucd9c \uc808\uc57d \uacc4\uc0b0\uae30(Loan Savings Calculator, 1\uc6d4 18\uc77c \uae30\uc900)\uc5d0 \ub530\ub974\uba74, \ud06c\ub808\ub527\uc810\uc218 620~639\uc810\uc758 \uc774\uc790\uc728\uc740 4.74%\ub85c \uc6d4 \ud398\uc774\uba3c\ud2b8\uac00 2084\ub2ec\ub7ec\uc774\uba70 30\ub144 \ub3d9\uc548 \ub0b4\ub294 \uc774\uc790\ub294 35\ub9cc304\ub2ec\ub7ec\ub098 \ub41c\ub2e4. \uc810\uc218\ub97c 100\uc810 \uc62c\ub838\uc744 \uacbd\uc6b0\uc5d4 \uc774\uc790\uc728\uc774 3.373%\ub85c 1.367%\ud3ec\uc778\ud2b8\uac00 \ub5a8\uc5b4\uc9c4\ub2e4. \uc774\uc5d0 \ub530\ub77c \uc6d4\ud398\uc774\uba3c\ud2b8\ub294 1768\ub2ec\ub7ec\ub85c \uc904\uace0 30\ub144\uac04 \uc774\uc790 \uaddc\ubaa8\ub3c4 23\ub9cc6459\ub2ec\ub7ec\ub85c \uac10\uc18c\ud558\uba74\uc11c 11\ub9cc \ub2ec\ub7ec \uc774\uc0c1\uc744 \uc544\ub084 \uc218 \uc788\ub2e4.<\/p>\n
\ud06c\ub808\ub527\uc810\uc218 \uc62c\ub9ac\ub294 \ubc29\ubc95\uc740 \ud398\uc774\uba3c\ud2b8\ub97c \uc5f0\uccb4 \uc5c6\uc774 \uc81c\ub54c \uc77c\uad00\ub418\uac8c \ub0b4\uace0 \ud06c\ub808\ub527\uce74\ub4dc\ub294 \ud55c\ub3c4 10% \uc815\ub3c4 \uc0ac\uc6a9\ud558\uba70 \uc6b0\uc218 \ub4f1\uae09\uc73c\ub85c \ud06c\ub808\ub527\uc744 \uc7a5\uae30\uac04 \uc0ac\uc6a9\ud558\ub294 \uac83\uc774\ub2e4. \ub610 \ud06c\ub808\ub527\ub9ac\ud3ec\ud2b8\ub97c \ucd5c\uc18c 1\ub144\uc5d0 \ud55c \ubc88\uc740 \uccb4\ud06c\ud574\uc11c \uc798\ubabb\ub41c \uac8c \uc788\uc73c\uba74 \uc218\uc815\ud574\uc57c \ud55c\ub2e4.<\/p>\n
\u25b6\ucc44\ubb34 \uad00\ub9ac<\/b><\/p>\n
\ucc44\ubb34 \uccad\uc0b0\uc740 \ud06c\ub808\ub527\uc810\uc218 \ud5a5\uc0c1\uc5d0\ub3c4 \ub3c4\uc6c0\uc774 \ub418\uba70 \uc2b9\uc778 \uae30\uc900\uc778 \uc18c\ub4dd \ub300\ube44 \ucc44\ubb34 \ube44\uc728(DTI)\uc744 \ub0ae\ucdb0 \uc77c\uac70\uc591\ub4dd\uc774\ub2e4. DTI\ub97c \uc27d\uac8c \uc815\uc758\ud558\uba74 \uc218\uc785\uacfc \uc9c0\ucd9c\uc758 \ube44\uc728\uc774\ub2e4.<\/p>\n
\uc989 \ucd1d\uc18c\ub4dd\uc5d0\uc11c \uac01\uc885 \ud398\uc774\uba3c\ud2b8\uac00 \ucc28\uc9c0\ud558\ub294 \ube44\uc728\uc744 \ub9d0\ud55c\ub2e4. \uc774\ub97c\ud14c\uba74 \uc6d4 \uc18c\ub4dd(Gross Income)\uc774 6000\ub2ec\ub7ec\ub77c\uace0 \uac00\uc815\ud558\uc790. \uadf8\ub9ac\uace0 \ubaa8\uae30\uc9c0 \uc6d4 \ud398\uc774\uba3c\ud2b8\uac00 2000\ub2ec\ub7ec \ud06c\ub808\ub527\uce74\ub4dc \ud398\uc774\uba3c\ud2b8 300\ub2ec\ub7ec \uc790\ub3d9\ucc28 \ud398\uc774\uba3c\ud2b8 300\ub2ec\ub7ec \uad00\ub9ac\ube44 300\ub2ec\ub7ec \ud559\uc790\uae08\uc735\uc790 \ud398\uc774\uba3c\ud2b8 300\ub2ec\ub7ec \uc8fc\ud0dd\ubcf4\ud5d8\ub8cc 100\ub2ec\ub7ec \ub4f1 \uc6d4 \uc9c0\ucd9c\uc774 3300\ub2ec\ub7ec\ub77c\uba74 DTI\ub294 55%\uac00 \ub41c\ub2e4. (2000+300+300+300+300+100)\/6000=0.55\uc774\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n
\ub300\ucd9c \uc5c5\uccb4\uac00 \uac00\uc7a5 \uc120\ud638\ud558\ub294 DTI \ube44\uc728\uc740 36% \ubbf8\ub9cc\uc774\ub2e4. \uadf8\ub9cc\ud07c \ucc44\ubb34 \ubd88\uc774\ud589 \uac00\ub2a5\uc131\uc774 \ub0ae\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n
\u25b6\ubaa8\uae30\uc9c0 \uc5c5\uccb4 \uc5f0\ub77d<\/b><\/p>\n
\ubaa8\uae30\uc9c0 \uc5c5\uccb4\uc5d0 \ubbf8\ub9ac \uc5f0\ub77d\ud574\uc11c \uc18c\ub4dd \uc218\uc900\uacfc DTI \ub4f1\uc744 \uace0\ub824\ud55c \uc0ac\uc804 \uc2b9\uc778\uc744 \ubc1b\uc544 \ub450\ub294 \uac83\ub3c4 \uc624\ud37c \uacbd\uc7c1\ub825\uc744 \ud0a4\uc6b0\ub294 \ud55c \ubc29\ubc95\uc774\ub2e4. \ub354\uc6b1\uc774 \uc8fc\ud0dd \ub9e4\uc785 \uad00\ub828 \uac01\uc885 \uc218\uc218\ub8cc\ub97c \ubbf8\ub9ac \uacc4\uc0b0\ud574\uc11c \ub300\ube44\ud558\ub294 \uc9c0\ud61c\ub3c4 \ud544\uc694\ud558\ub2e4.<\/p>\n
\u25b6\uc608\uc0b0 \uc218\ub9bd<\/b><\/p>\n
\ubaa8\uae30\uc9c0 \uc5c5\uccb4\ub85c\ubd80\ud130 \uc0ac\uc804 \uc735\uc790 \uc2b9\uc778\uc744 \ubc1b\uc558\ub2e4\uace0 \uadf8 \uae08\uc561\uc774 \ubcf8\uc778\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc608\uc0b0\uc774\ub77c\uace0 \ucc29\uac01\ud558\uba74 \ud070 \uc624\uc0b0\uc774\ub2e4. \uc815\ud655\ud55c \uc608\uc0b0\uc740 \ubcf8\uc778\uc774 \uac00\uc7a5 \uc798 \uc120\ucd9c\ud560 \uc218 \uc788\ub2e4. \uc6d4\ubcc4 \uc18c\ube44 \ubc0f \uc9c0\ucd9c \uaddc\ubaa8\ub97c \ub0c9\uc815\ud558\uac8c \ud30c\uc545\ud574\uc11c \ub300\ube44\ud558\uace0 \uae30\uc900\uae08\ub9ac \uc778\uc0c1\uc5d0 \ub530\ub978 \ubaa8\uae30\uc9c0 \ube44\uc6a9 \uc99d\uac00\uc5d0 \ub300\ud55c \uc0ac\uc804 \uc900\ube44\ub3c4 \ud558\ub294 \uac8c \uc774\ub86d\ub2e4.<\/p>\n
NAR\uc758 \ubaa8\uae30\uc9c0 \uc804\ub9dd\uce58\ub294 3.7%\ub2e4. \uc8fc\ud0dd \ub9e4\uc785\uc73c\ub85c \ub05d\ub098\ub294 \uac8c \uc544\ub2c8\ub2e4. \uc8fc\ud0dd \uc720\uc9c0 \ubc0f \uad00\ub9ac \ube44\uc6a9\ub3c4 \ubbf8\ub9ac \uacc4\uc0b0\ud574 \ub450\uc5b4\uc57c \ud55c\ub2e4. \uc9d1\uc744 \uc0ac\uba74 \uc7ac\uc0b0\uc138\uc640 \uc8fc\ud0dd\ubcf4\ud5d8\ub8cc \ub4f1\uc740 \uae30\ubcf8\uc774\uba70 \uc8fc\ud0dd \uc218\ub9ac\ube44\ub3c4 \uace0\ub824\ud558\ub294 \uac8c \ubc14\ub78c\uc9c1\ud558\ub2e4.<\/p>\n
\u25b6\ubaa9\ub85d \uc791\uc131<\/b><\/p>\n
\ud544\uc694\ud55c \uac83(must-have)\uacfc \uac00\uc9c0\uba74 \uc88b\uc740 \uac83(nice-to-haves)\uc5d0 \ub300\ud55c \ubaa9\ub85d\uc744 \ub9cc\ub4e4\uc5b4 \ub450\uba74 \uc624\ud37c \uacbd\uc7c1 \uc2dc \ub354 \ube60\ub978 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub2e4. \ubd80\ub3d9\uc0b0 \uc804\ubb38\uac00\ub4e4\uc740 \uc624\ud37c \uacbd\uc7c1 \uc0c1\ud669\uc5d0\uc11c \ub0a8\ubcf4\ub2e4 \ube60\ub978 \uacb0\uc815\uc740 \uc8fc\ud0dd \ub9e4\uc785 \uae30\ud68c \ud655\ub300\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud55c\ub2e4\uace0 \uc804\ud588\ub2e4.<\/p>\n
\u25b6\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8<\/b><\/p>\n
\uc8fc\ud0dd \uad6c\ub9e4 \uacbd\uc7c1\uc774 \uce58\uc5f4\ud574\uc9c0\uba74\uc11c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ube44\uc911\ub3c4 \ub369\ub2ec\uc544 \uc99d\uac00\uc138\ub2e4. \ud1b5\uc0c1\uc758 20% \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub85c\ub294 \uc624\ud37c \uacbd\uc7c1\uc5d0 \uc774\uae30\uae30 \uc5b4\ub824\uc6b4 \uc0c1\ud669\uc774\ub77c\ub294 \uac8c \uc5c5\uacc4\uac00 \uc804\ud558\ub294 \ub9d0\uc774\ub2e4.<\/p>\n
\uc77c\ubd80\ub294 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ube44\uc728\uc774 40%\ub294 \ub3fc\uc57c \uc2b9\uc0b0 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \ubcfc \uc815\ub3c4\ub2e4. \uc124\uc0c1\uac00\uc0c1\uc73c\ub85c \ucd5c\uadfc \uc9d1\uac12\uc774 \uac00\ud30c\ub974\uac8c \ub6f0\uba74\uc11c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uae08\uc561\uc774 \ub300\ud3ed \ub298\uc5c8\ub2e4. \uc800\ucd95\ud55c \ub3c8\uc774 \ub9ce\uc9c0 \uc54a\ub2e4\uba74 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 3.5%\uc758 FHA \ub300\ucd9c\uc744 \ud3ec\ud568\ud55c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uac00 \uc801\uc5b4\ub3c4 \ub418\ub294 \uc120\ud0dd\uc9c0\ub97c \ub458\ub7ec\ubcf4\ub294 \uac8c \uc88b\ub2e4.<\/p>\n
\uccab\uc8fc\ud0dd \uad6c\ub9e4\uc790\ub77c\uba74 \uc8fc\uc815\ubd80\uc640 \ub85c\uceec\uc815\ubd80\uac00 \uc81c\uacf5\ud558\ub294 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ubcf4\uc870 \ud504\ub85c\uadf8\ub7a8\uc744 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \ud55c \ubc29\ubc95\uc774\ub2e4.<\/p>\n
\uc608\ub97c \ub4e4\uc5b4\uc11c LA\uc2dc\ub294 \ucd5c\ub300 6\ub9cc \ub2ec\ub7ec\ub97c \uc9c0\uc6d0\ud558\ub294 \uc911\uc0b0\uce35 \ub300\uc0c1 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ubcf4\uc870 \ud504\ub85c\uadf8\ub7a8 \u2018MIPA\u2019\uc640 \ucd5c\ub300 9\ub9cc \ub2ec\ub7ec\ub97c \ubcf4\uc870\ud558\ub294 \uc800\uc18c\ub4dd\uce35 LIPA \ud504\ub85c\uadf8\ub7a8\uc744 \uc6b4\uc601\ud558\uace0 \uc788\ub2e4.<\/p>\n
LA\uce74\uc6b4\ud2f0\uc758 \uacbd\uc6b0\uc5d4 \u2018\ud648\uc624\ub108\uc2ed\ud504\ub85c\uadf8\ub7a8(HOP)\u2019\uc744 \ud1b5\ud574\uc11c 8\ub9cc5000\ub2ec\ub7ec\uc758 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc790\uae08\uc744 \ubcf4\uc870\ud55c\ub2e4. \ud504\ub85c\uadf8\ub7a8\ub9c8\ub2e4 \uc18c\ub4dd \uae30\uc900\uc744 \ud3ec\ud568\ud55c \uc218\ud61c \uae30\uc900\uc774 \ub2e4\ub974\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"\uc62c\ud574 \uae30\uc900\uae08\ub9ac \uc778\uc0c1\uc774 \uc608\uace0\ub41c 3\ucc28\ub840\ubcf4\ub2e4 \ub354 \ub9ce\uc544\uc9c8 \uc218 \uc788\ub2e4\ub294 \uc18c\uc2dd\uc5d0 \ube44\uc218\uae30\uc778 \uaca8\uc6b8\uc5d0\ub3c4 \uc8fc\ud0dd \ub9e4\ub9e4\uac00 \ub9e4\uc6b0 \ud65c\ubc1c\ud558\ub2e4. \uc804\uad6d\ubd80\ub3d9\uc0b0\uc911\uac1c\uc778\ud611\ud68c(NAR)\uac00 \uc6b4\uc601\ud558\ub294 \ub9ac\uc5bc\ud130\ub2f7\ucef4\uc774 \uc62c\ud574 \uc804\ub9dd\ud55c \uc8fc\ud0dd \uac70\ub798 \uc99d\uac00\ub960\uc740 6.6%\ub2e4. \ub2e4\ub2c8\uc5d8 \ud5e4\uc77c \ub9ac\uc5bc\ud130\ub2f7\ucef4 \uc218\uc11d \uc774\ucf54\ub178\ubbf8\uc2a4\ud2b8\ub294 \u201c\ud1b5\uc0c1 \ube44\uc218\uae30\uc778 11\uc6d4\uacfc 12\uc6d4\uc5d0\ub3c4 \uc8fc\ud0dd \uc2dc\uc7a5\uc758 \uc18c\uac15\uc0c1\ud0dc \ud604\uc0c1\uc774 \uc77c\uc5b4\ub098\uc9c0 \uc54a\uc558\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4. \uae30\uc900\uae08\ub9ac \ucd94\uac00 \uc778\uc0c1\uc5d0 \ubaa8\uae30\uc9c0 \uae08\ub9ac\uac00 \ub354 \uc624\ub97c \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\uc5d0 \uc608\ube44 \uc8fc\ud0dd \ubc14\uc774\uc5b4\ub4e4\uc774 \uc8fc\ud0dd… 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\/42"}],"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=42"}],"version-history":[{"count":1,"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/posts\/42\/revisions"}],"predecessor-version":[{"id":43,"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/posts\/42\/revisions\/43"}],"wp:attachment":[{"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/media?parent=42"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/categories?post=42"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/koamrealty.com\/2022\/wp-json\/wp\/v2\/tags?post=42"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}