{"id":740,"date":"2025-09-04T13:08:45","date_gmt":"2025-09-04T04:08:45","guid":{"rendered":"https:\/\/readtrends.com\/ko\/closed-sme-loan-15yr\/"},"modified":"2025-09-04T13:08:45","modified_gmt":"2025-09-04T04:08:45","slug":"closed-sme-loan-15yr","status":"publish","type":"post","link":"https:\/\/readtrends.com\/ko\/closed-sme-loan-15yr\/","title":{"rendered":"\ud3d0\uc5c5 \uc18c\uc0c1\uacf5\uc778 \ub300\ucd9c \ubd84\ud560\uc0c1\ud658 15\ub144\uc73c\ub85c \uc5f0\uc7a5\u20265\uc77c\ubd80\ud130 \uc2e0\uccad"},"content":{"rendered":"<article>\n<p><time>2025-09-05<\/time> \uc911\uc18c\ubca4\ucc98\uae30\uc5c5\ubd80\ub294 \ucf54\ub85c\ub098\ub85c \ud53c\ud574\ub97c \ubcf8 \ub4a4 \ud3d0\uc5c5\ud55c \uc18c\uc0c1\uacf5\uc778\uc758 \uc0c1\ud658 \ubd80\ub2f4\uc744 \ub0ae\ucd94\uae30 \uc704\ud574 9\uc6d4 5\uc77c\ubd80\ud130 \uae30\uc874 \uc9c0\uc5ed\uc2e0\uc6a9\ubcf4\uc99d\uc7ac\ub2e8(\uc9c0\uc5ed\uc2e0\ubcf4) \ubcf4\uc99d\ubd80 \ub300\ucd9c\uc744 2\ub144 \uac70\uce58\u00b713\ub144 \ubd84\ud560(\ucd1d 15\ub144) \uc870\uac74\uc758 \uc7a5\uae30 \ubd84\ud560 \uc0c1\ud658 \ubcf4\uc99d\uc73c\ub85c \uc804\ud658\ud574 \uc800\uae08\ub9ac\uc640 \ubcf4\uc99d\ub8cc \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud55c\ub2e4\uace0 4\uc77c \ubc1d\ud614\ub2e4.<\/p>\n<h2>\ud575\uc2ec \uc0ac\uc2e4(\uc694\uc57d)<\/h2>\n<ul>\n<li>\uc2dc\ud589\uc77c: 2025\ub144 9\uc6d4 5\uc77c\ubd80\ud130 \uc9c0\uc5ed\uc2e0\ubcf4 \uc601\uc5c5\uc810\uc744 \ud1b5\ud574 \uc2e0\uccad \uac00\ub2a5<\/li>\n<li>\ub300\uc0c1: 2020-04-01~2025-06-30 \uae30\uac04 \uc911 \uc0ac\uc5c5\uc744 \uc601\uc704\ud588\uace0 \ud604\uc7ac \ud3d0\uc5c5 \uc0c1\ud0dc\uc778 \uc18c\uc0c1\uacf5\uc778 \uc911 \uc9c0\uc5ed\uc2e0\ubcf4 \ubcf4\uc99d\ubd80 \ub300\ucd9c\uc744 \uc774\uc6a9\ud558\uba70 \uc131\uc2e4\uc0c1\ud658\uc744 \ud574\uc628 \uc790<\/li>\n<li>\uc804\ud658 \uc870\uac74: \uae30\uc874 \ub300\ucd9c\uc744 2\ub144 \uac70\uce58\u00b713\ub144 \ubd84\ud560(\ucd5c\ub300 15\ub144) \uad6c\uc870\ub85c \uc804\ud658<\/li>\n<li>\uae08\ub9ac\u00b7\uc218\uc218\ub8cc: 1\uc5b5\uc6d0 \uc774\ud558 \ubcf4\uc99d\uae08\uc561\uc740 2.95% \uc218\uc900(2025-09-01 \uae30\uc900) \uc801\uc6a9, \ubcf4\uc99d\ub8cc\ub294 \uc815\ubd80 \uc7ac\uc6d0\uc73c\ub85c \uc804\uc561 \uc9c0\uc6d0<\/li>\n<li>\uc2e0\uccad \ucc3d\uad6c: \uac01 \uc9c0\uc5ed\uc2e0\ubcf4 \uc601\uc5c5\uc810(\ucd08\uae30 \ucc38\uc5ec \uc740\ud589\uc740 \uad6d\ubbfc\u00b7\ub18d\ud611\u00b7\uc2e0\ud55c\uc740\ud589), \uc740\ud589\uc740 10\uc6d4\uae4c\uc9c0 \ucd94\uac00 \ud655\ub300 \uc608\uc815<\/li>\n<\/ul>\n<h2>\uac80\uc99d\ub41c \uc0ac\uc2e4(Verified Facts)<\/h2>\n<p>\uc911\uc18c\ubca4\ucc98\uae30\uc5c5\ubd80\ub294 \uc774\ubc88 \ud2b9\ub840 \ubcf4\uc99d\uc744 2\ucc28 \ucd94\uac00\uacbd\uc815\uc608\uc0b0(2\ucc28 \ucd94\uacbd)\uc5d0 \ubc18\uc601\ub41c \uc7ac\uc6d0\uc744 \ud1b5\ud574 \uc9c0\uc6d0\ud55c\ub2e4\uace0 \ubc1d\ud614\ub2e4. \ub300\uc0c1\uc790\ub294 \uc2e0\uccad \uc2dc \uc9c0\uc5ed\uc2e0\ubcf4\uc758 \uc2ec\uc0ac\ub97c \uac70\uccd0 \uae30\uc874 \ubcf4\uc99d\ubd80 \ub300\ucd9c\uc744 \uc7a5\uae30 \ubd84\ud560 \uc0c1\ud658 \ubcf4\uc99d\uc73c\ub85c \uc804\ud658\ubc1b\uac8c \ub41c\ub2e4.<\/p>\n<p>\uc804\ud658 \uc2dc \uc801\uc6a9\ub418\ub294 \uc0c1\ud658 \uad6c\uc870\ub294 2\ub144 \uac70\uce58 \ud6c4 13\ub144 \ubd84\ud560\uc0c1\ud658\uc73c\ub85c, \ucd1d \uc0c1\ud658 \uae30\uac04\uc740 \ucd5c\ub300 15\ub144\uc774\ub2e4. \uc774\ub294 \uae30\uc874 \uc9c0\uc5ed\uc2e0\ubcf4\uc758 \ubd84\ud560 \uc0c1\ud658 \uc5f0\uc7a5 \ud55c\ub3c4(\ucd5c\ub300 7\ub144)\ub97c \ud06c\uac8c \uc6c3\ub3c4\ub294 \uc218\uc900\uc774\ub2e4.<\/p>\n<p>\uae08\uc735 \uce21\uba74\uc5d0\uc11c\ub294 1\uc5b5\uc6d0 \uc774\ud558 \ubcf4\uc99d\uae08\uc561\uc5d0 \ub300\ud574 2025\ub144 9\uc6d4 1\uc77c \uae30\uc900 \uc57d 2.95%\uc758 \uc800\uae08\ub9ac \uc0c1\ud488\uc774 \uc801\uc6a9\ub418\uba70, \uc7a5\uae30\ud654\uc5d0 \ub530\ub978 \ubcf4\uc99d\ub8cc \ubd80\ub2f4 \uc644\ud654\ub97c \uc704\ud574 \uace0\uac1d\uc774 \ub0b4\uc57c \ud560 \ubcf4\uc99d\ub8cc \uc804\uc561\uc744 \uc815\ubd80\uac00 \uc9c0\uc6d0\ud55c\ub2e4.<\/p>\n<p>\uc2e0\uccad\uc740 9\uc6d4 5\uc77c\ubd80\ud130 \uac01 \uc9c0\uc5ed\uc2e0\ubcf4 \uc601\uc5c5\uc810\uc5d0\uc11c \uc811\uc218\ud55c\ub2e4. \ud604\uc7ac\ub294 \uc9c0\uc5ed\uc2e0\ubcf4 \ubcf4\uc99d\uc744 \ud1b5\ud574 \uad6d\ubbfc\u00b7\ub18d\ud611\u00b7\uc2e0\ud55c\uc740\ud589 \ub300\ucd9c\uc744 \uc774\uc6a9 \uc911\uc778 \uace0\uac1d\uc744 \uc6b0\uc120 \ub300\uc0c1\uc73c\ub85c \ud558\uba70, \ucc38\uc5ec \uc740\ud589\uc740 \uad00\uacc4\uae30\uad00 \ud611\uc758\ub97c \ud1b5\ud574 10\uc6d4\uae4c\uc9c0 \uc21c\ucc28 \ud655\ub300\ud560 \uacc4\ud68d\uc774\ub2e4.<\/p>\n<h2>\ub9e5\ub77d\uacfc \uc601\ud5a5(Context &#038; Impact)<\/h2>\n<p>\uc774\ubc88 \uc870\uce58\ub294 \ucf54\ub85c\ub09819\ub85c \uc778\ud574 \uc601\uc5c5\uc744 \uc811\uc740 \uc18c\uc0c1\uacf5\uc778 \uac00\uc6b4\ub370 \uae30\uc874 \ub300\ucd9c\uc744 \uc131\uc2e4\ud788 \uc0c1\ud658\ud574 \uc628 \uc774\ub4e4\uc758 \uc7ac\uae30 \ubd80\ub2f4\uc744 \ub0ae\ucd94\ub824\ub294 \ubaa9\uc801\uc774\ub2e4. \ubd84\ud560 \uc0c1\ud658 \uae30\uac04\uc774 \ub298\uc5b4\ub098\uba74 \uc6d4 \uc0c1\ud658\uc561\uc740 \uc904\uc5b4\ub4e4\uc5b4 \ub2f9\uc7a5\uc758 \ud604\uae08\ud750\ub984 \uac1c\uc120\uc5d0 \ub3c4\uc6c0\uc774 \ub41c\ub2e4.<\/p>\n<p>\ub2e4\ub9cc \uc0c1\ud658 \uae30\uac04 \uc5f0\uc7a5\uc740 \ubcf4\uc99d\uc7ac\uc6d0\uc758 \uc7a5\uae30\ud654\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc5b4 \uc7ac\uc815\u00b7\ubcf4\uc99d\uae30\uae08 \uce21\uba74\uc758 \ubd80\ub2f4 \uc99d\uac00 \uac00\ub2a5\uc131\ub3c4 \uc788\ub2e4. \uc815\ubd80\ub294 \ubcf4\uc99d\ub8cc\ub97c \uc9c0\uc6d0\ud558\ub294 \ub300\uc2e0 \uc131\uc2e4 \uc0c1\ud658 \uc694\uac74\uc744 \ucda9\uc871\ud55c \uc790\ub85c \ubc94\uc704\ub97c \uc81c\ud55c\ud574 \ub3c4\ub355\uc801 \ud574\uc774\ub97c \uc77c\ubd80 \uc5b5\uc81c\ud558\ub824 \ud55c\ub2e4.<\/p>\n<ul>\n<li>\uc18c\uc0c1\uacf5\uc778 \uad00\uc810: \uc6d4 \uc0c1\ud658\uc561 \uac10\uc18c, \ud30c\uc0b0\u00b7\ucc44\ubb34\ubd88\uc774\ud589 \ub9ac\uc2a4\ud06c \uc644\ud654<\/li>\n<li>\uae08\uc735\u00b7\uc7ac\uc815 \uad00\uc810: \ubcf4\uc99d\uc7ac\uc6d0 \uc7a5\uae30\ud654\u00b7\uc7ac\uc815\uc9c0\ucd9c \ud655\ub300 \uac00\ub2a5\uc131<\/li>\n<\/ul>\n<blockquote>\n<p>&#8220;\uc774\ubc88 \ud2b9\ub840\ub85c \ud3d0\uc5c5 \uc18c\uc0c1\uacf5\uc778\uc758 \uc0c1\ud658 \ubd80\ub2f4\uc744 \uacbd\uac10\ud558\uace0 \uc7ac\uae30 \uc5ec\uac74\uc744 \uc9c0\uc6d0\ud558\ub824 \ud55c\ub2e4.&#8221;<\/p>\n<p><cite>\uc911\uc18c\ubca4\ucc98\uae30\uc5c5\ubd80<\/cite><\/p><\/blockquote>\n<aside>\n<details>\n<summary>\uc6a9\uc5b4 \ud574\uc124: \uc9c0\uc5ed\uc2e0\ubcf4\u00b7\uc131\uc2e4\uc0c1\ud658<\/summary>\n<p>\uc9c0\uc5ed\uc2e0\uc6a9\ubcf4\uc99d\uc7ac\ub2e8(\uc9c0\uc5ed\uc2e0\ubcf4)\uc740 \uc18c\uc0c1\uacf5\uc778\u00b7\uc911\uc18c\uae30\uc5c5\uc5d0 \ubcf4\uc99d\uc744 \uc81c\uacf5\ud574 \uc740\ud589 \ub300\ucd9c \uc811\uadfc\uc744 \ub3d5\ub294 \uae30\uad00\uc774\ub2e4. &#8216;\uc131\uc2e4\uc0c1\ud658&#8217;\uc740 \uae30\uc874 \ub300\ucd9c\uc5d0\uc11c \uc5f0\uccb4 \uc5c6\uc774 \uc0c1\ud658 \uc758\ubb34\ub97c \uc774\ud589\ud574 \uc628 \uc0c1\ud0dc\ub97c \uc758\ubbf8\ud558\uba70, \uc774\ubc88 \ud2b9\ub840\uc758 \uc8fc\uc694 \uc9c0\uc6d0 \uc870\uac74\uc774\ub2e4.<\/p>\n<\/details>\n<\/aside>\n<h2>\uacf5\uc2dd \uc785\uc7a5(Official Statements)<\/h2>\n<blockquote>\n<p>\uc911\uc18c\ubca4\ucc98\uae30\uc5c5\ubd80\ub294 &#8220;\ud3d0\uc5c5 \uc18c\uc0c1\uacf5\uc778\uc758 \uc0c1\ud658 \ubd80\ub2f4 \uc644\ud654\uc640 \uae08\uc735\uad8c\uc758 \uc5f0\ucc29\ub959\uc744 \uc704\ud574 \ud544\uc694\uc2dc \uc81c\ub3c4 \ubcf4\uc644\uacfc \ucc38\uc5ec \ud655\ub300\ub97c \ucd94\uc9c4\ud558\uaca0\ub2e4&#8221;\uace0 \ubc1d\ud614\ub2e4.<\/p>\n<p><cite>\uc911\uc18c\ubca4\ucc98\uae30\uc5c5\ubd80<\/cite><\/p><\/blockquote>\n<h2>\ubd88\ud655\uc2e4\ud55c \ub0b4\uc6a9(Unconfirmed)<\/h2>\n<ul>\n<li>10\uc6d4 \uc774\ud6c4 \ucd94\uac00\ub85c \ucc38\uc5ec\ud560 \uc740\ud589\uc758 \uad6c\uccb4\uc801\uc778 \uba85\ub2e8\uacfc \uc21c\ucc28 \ud655\ub300 \uc77c\uc815\uc740 \uc544\uc9c1 \ud655\uc815\ub418\uc9c0 \uc54a\uc558\ub2e4.<\/li>\n<li>\uc774\ubc88 \ud2b9\ub840\uc5d0 \ubc30\uc815\ub41c \uc608\uc0b0\uc758 \ucd1d\uc561 \ubc0f \uc7a5\uae30 \uc7ac\uc815 \uc601\ud5a5\uc5d0 \ub300\ud55c \uc0c1\uc138 \uc218\uce58\ub294 \ubcf4\ub3c4 \uc790\ub8cc\uc5d0 \uba85\uc2dc\ub418\uc9c0 \uc54a\uc558\ub2e4.<\/li>\n<\/ul>\n<h2>\ucd1d\ud3c9(Bottom Line)<\/h2>\n<p>\uc774\ubc88 \uc815\ucc45\uc740 \ucf54\ub85c\ub098 \ud53c\ud574\ub85c \uc0ac\uc5c5\uc744 \uc811\uc740 \uac00\uc6b4\ub370 \uc131\uc2e4\ud788 \ube5a\uc744 \uac1a\uc544\uc628 \uc18c\uc0c1\uacf5\uc778\uc5d0\uac8c \uc2e4\uc9c8\uc801 \uc0c1\ud658 \ubd80\ub2f4 \uc644\ud654\ub97c \uc81c\uacf5\ud55c\ub2e4. \ub300\uc0c1\uc790 \uc694\uac74\uacfc \uc2e0\uccad \uc808\ucc28\ub97c \ud655\uc778\ud574 \ud574\ub2f9 \uae30\uac04\uc5d0 \uc601\uc5c5\uc744 \ud588\uace0 \ud3d0\uc5c5 \uc0c1\ud0dc\uc778 \uacbd\uc6b0 \uc9c0\uc5ed\uc2e0\ubcf4\uc5d0 \uc0c1\ub2f4\u00b7\uc2e0\uccad\ud558\ub294 \uac83\uc774 \ud544\uc694\ud558\ub2e4. \ud5a5\ud6c4 \ucc38\uc5ec \uc740\ud589 \ud655\ub300\uc640 \uc608\uc0b0 \uc9d1\ud589 \uc0c1\ud669\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \ud655\uc778\ud574\uc57c \ud55c\ub2e4.<\/p>\n<h2>\ucd9c\ucc98(Sources)<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.khan.co.kr\" target=\"_blank\" rel=\"noopener\">\uacbd\ud5a5\uc2e0\ubb38 \ubcf4\ub3c4<\/a><\/li>\n<li><a href=\"https:\/\/www.mss.go.kr\" target=\"_blank\" rel=\"noopener\">\uc911\uc18c\ubca4\ucc98\uae30\uc5c5\ubd80 \ubcf4\ub3c4\uc790\ub8cc<\/a><\/li>\n<\/ul>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>2025-09-05 \uc911\uc18c\ubca4\ucc98\uae30\uc5c5\ubd80\ub294 \ucf54\ub85c\ub098\ub85c \ud53c\ud574\ub97c \ubcf8 \ub4a4 \ud3d0\uc5c5\ud55c \uc18c\uc0c1\uacf5\uc778\uc758 \uc0c1\ud658 \ubd80\ub2f4\uc744 \ub0ae\ucd94\uae30 \uc704\ud574 9\uc6d4 5\uc77c\ubd80\ud130 \uae30\uc874 \uc9c0\uc5ed\uc2e0\uc6a9\ubcf4\uc99d\uc7ac\ub2e8(\uc9c0\uc5ed\uc2e0\ubcf4) \ubcf4\uc99d\ubd80 \ub300\ucd9c\uc744 2\ub144 \uac70\uce58\u00b713\ub144 \ubd84\ud560(\ucd1d 15\ub144) \uc870\uac74\uc758 \uc7a5\uae30 \ubd84\ud560 \uc0c1\ud658 \ubcf4\uc99d\uc73c\ub85c \uc804\ud658\ud574 \uc800\uae08\ub9ac\uc640 \ubcf4\uc99d\ub8cc \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud55c\ub2e4\uace0 4\uc77c \ubc1d\ud614\ub2e4. \ud575\uc2ec \uc0ac\uc2e4(\uc694\uc57d) \uc2dc\ud589\uc77c: 2025\ub144 9\uc6d4 5\uc77c\ubd80\ud130 \uc9c0\uc5ed\uc2e0\ubcf4 \uc601\uc5c5\uc810\uc744 \ud1b5\ud574 \uc2e0\uccad \uac00\ub2a5 \ub300\uc0c1: 2020-04-01~2025-06-30 \uae30\uac04 \uc911 \uc0ac\uc5c5\uc744 \uc601\uc704\ud588\uace0 \ud604\uc7ac \ud3d0\uc5c5 \uc0c1\ud0dc\uc778 \uc18c\uc0c1\uacf5\uc778 &#8230; <a title=\"\ud3d0\uc5c5 \uc18c\uc0c1\uacf5\uc778 \ub300\ucd9c \ubd84\ud560\uc0c1\ud658 15\ub144\uc73c\ub85c \uc5f0\uc7a5\u20265\uc77c\ubd80\ud130 \uc2e0\uccad\" class=\"read-more\" href=\"https:\/\/readtrends.com\/ko\/closed-sme-loan-15yr\/\" aria-label=\"\ud3d0\uc5c5 \uc18c\uc0c1\uacf5\uc778 \ub300\ucd9c \ubd84\ud560\uc0c1\ud658 15\ub144\uc73c\ub85c \uc5f0\uc7a5\u20265\uc77c\ubd80\ud130 \uc2e0\uccad\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":730,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_title":"\ud3d0\uc5c5 \uc18c\uc0c1\uacf5\uc778 \ub300\ucd9c \ubd84\ud560\uc0c1\ud658 15\ub144 \uc5f0\uc7a5 - \uacbd\ud5a5\uc2e0\ubb38","rank_math_description":"\uc911\uc18c\ubca4\ucc98\uae30\uc5c5\ubd80\uac00 \ucf54\ub85c\ub098 \ud53c\ud574\ub85c \ud3d0\uc5c5\ud55c \uc18c\uc0c1\uacf5\uc778\uc758 \uae30\uc874 \uc9c0\uc5ed\uc2e0\ubcf4 \ubcf4\uc99d\ubd80 \ub300\ucd9c\uc744 9\uc6d45\uc77c\ubd80\ud130 2\ub144 \uac70\uce58\u00b713\ub144 \ubd84\ud560(\ucd5c\ub300 15\ub144)\ub85c \uc804\ud658\ud574 \uc800\uae08\ub9ac\uc640 \ubcf4\uc99d\ub8cc \uc804\uc561\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \ub300\uc0c1\u00b7\uc2e0\uccad \uc808\ucc28\ub97c \uc548\ub0b4\ud569\ub2c8\ub2e4.","rank_math_focus_keyword":"\ud3d0\uc5c5 \uc18c\uc0c1\uacf5\uc778,\ubd84\ud560 \uc0c1\ud658,\uc7a5\uae30 \ubcf4\uc99d,\uc9c0\uc5ed\uc2e0\ubcf4,15\ub144","footnotes":""},"categories":[2],"tags":[],"class_list":["post-740","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"_links":{"self":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/740","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/comments?post=740"}],"version-history":[{"count":0,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/740\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media\/730"}],"wp:attachment":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media?parent=740"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/categories?post=740"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/tags?post=740"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}