{"id":8920,"date":"2026-02-22T22:07:44","date_gmt":"2026-02-22T13:07:44","guid":{"rendered":"https:\/\/readtrends.com\/ko\/ltv-0-multi-home-loan\/"},"modified":"2026-02-22T22:07:44","modified_gmt":"2026-02-22T13:07:44","slug":"ltv-0-multi-home-loan","status":"publish","type":"post","link":"https:\/\/readtrends.com\/ko\/ltv-0-multi-home-loan\/","title":{"rendered":"\uae08\uc735\uc704, \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \ub9cc\uae30 \uc5f0\uc7a5 \ub54c \u2018LTV 0%\u2019 \uac80\ud1a0 &#8211; \ud55c\uaca8\ub808"},"content":{"rendered":"<article>\n<p>\ud575\uc2ec \uc694\uc57d: \uae08\uc735\uc704\uc6d0\ud68c\uac00 \ub2e4\uc8fc\ud0dd\uc790\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ub9cc\uae30 \uc5f0\uc7a5\uc5d0 \ub300\ud574 \uc2e0\uaddc \ub300\ucd9c\uacfc \ub3d9\uc77c\ud558\uac8c LTV(\ub2f4\ubcf4\uc778\uc815\ube44\uc728) 0% \uc801\uc6a9 \uac00\ub2a5\uc131\uc744 \uac80\ud1a0\ud558\uace0 \uc788\ub2e4. 6\uc6d4 24\uc77c 5\ub300 \uc740\ud589\uacfc \uc0c1\ud638\uae08\uc735\uad8c\uc744 \uc18c\uc9d1\ud574 \uad6c\uccb4\uc801 \uc2e4\ud589\uc548\uc744 \ub17c\uc758\ud560 \uc608\uc815\uc774\uba70, \uccad\uc640\ub300\ub294 \ub2e4\uc8fc\ud0dd \ud22c\uc790 \ub808\ubc84\ub9ac\uc9c0 \ucd95\uc18c\ub97c \uc815\ucc45 \ubc29\ud5a5\uc73c\ub85c \uc81c\uc2dc\ud588\ub2e4. \uae08\uc735\ub2f9\uad6d\uc740 \uc218\ub3c4\uad8c\u00b7\uaddc\uc81c\uc9c0\uc5ed \uc544\ud30c\ud2b8\ub97c \uc6b0\uc120 \uad00\ub9ac \ub300\uc0c1\uc73c\ub85c \uc0bc\uace0 \ud0dc\uc2a4\ud06c\ud3ec\uc2a4\uac00 \uc804 \uae08\uc735\uad8c\uc758 \ub300\ucd9c \ud604\ud669\uc744 \ubd84\uc11d\ud558\uace0 \uc788\ub2e4.<\/p>\n<h2>\ud575\uc2ec \uc0ac\uc2e4<\/h2>\n<ul>\n<li>\uae08\uc735\uc704\ub294 6\uc6d4 24\uc77c 5\ub300 \uc740\ud589\uacfc \uc2e0\ud611\u00b7\uc0c8\ub9c8\uc744\uae08\uace0 \ub4f1 \uc0c1\ud638\uae08\uc735\uad8c\uc744 \ucc38\uc5ec\uc2dc\ud0a8 3\ucc28 \ud68c\uc758\ub97c \uac1c\ucd5c\ud574 \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \uc5f0\uc7a5 \uad00\ud589 \uac1c\uc120 \ubc29\uc548\uc744 \ub17c\uc758\ud55c\ub2e4.<\/li>\n<li>\uae08\uac10\uc6d0\uc774 6\uc6d4 20\uc77c \uad6c\uc131\ud55c \ud0dc\uc2a4\ud06c\ud3ec\uc2a4(TF)\ub294 \uac1c\uc778\u00b7\uac1c\uc778\uc0ac\uc5c5\uc790, \uc0c1\ud658\ubc29\uc2dd, \uc544\ud30c\ud2b8\u00b7\ube44\uc544\ud30c\ud2b8, \uc218\ub3c4\uad8c\u00b7\uc9c0\ubc29 \ub4f1 \ud56d\ubaa9\ubcc4\ub85c \uc804 \uae08\uc735\uad8c\uc758 \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \ud604\ud669\uc744 \ubd84\uc11d \uc911\uc774\ub2e4.<\/li>\n<li>\ud604\uc7ac \uc218\ub3c4\uad8c\uacfc \uaddc\uc81c\uc9c0\uc5ed \ub0b4 \ub2e4\uc8fc\ud0dd\uc790 \uc8fc\ub2f4\ub300 \ubc0f \uc8fc\uac70\uc6a9 \uc784\ub300\uc0ac\uc5c5\uc790 \uc2e0\uaddc \ub300\ucd9c\uc5d0\ub294 LTV 0% \uaddc\uc81c\uac00 \uc801\uc6a9\ub3fc \uc0ac\uc2e4\uc0c1 \uc2e0\uaddc \ub300\ucd9c\uc774 \uae08\uc9c0\ub41c \uc0c1\ud0dc\ub2e4.<\/li>\n<li>\uc740\ud589\uad8c \uae30\uc900 \uc8fc\uac70\uc6a9 \uc784\ub300\uc0ac\uc5c5\uc790 \ub300\ucd9c \uc794\uc561\uc740 \uc57d 13\uc8709\ucc9c\uc5b5\uc6d0\uc774\uba70, \uc0c1\ud638\uae08\uc735\uad8c\uc744 \ud3ec\ud568\ud558\uba74 \uc804\uccb4 \uc794\uc561\uc740 \uc57d 20\uc870\uc6d0 \uaddc\ubaa8\ub85c \ucd94\uc815\ub41c\ub2e4.<\/li>\n<li>\uc77c\ubc18 \uac1c\uc778 \ub2e4\uc8fc\ud0dd\uc790 \uc8fc\ub2f4\ub300 \uc794\uc561\uc740 2024\ub144 1\uc6d4 \ub9d0 \uae30\uc900 36\uc8704,686\uc5b5\uc6d0\uc73c\ub85c, 2023\ub144 1\uc6d4 \ub9d0(15\uc8708,565\uc5b5\uc6d0) \ub300\ube44 \uc57d 130% \uc99d\uac00\ud588\ub2e4.<\/li>\n<li>\uc8fc\ub2f4\ub300\ub294 \uc7a5\uae30 \uc6d0\ub9ac\uae08 \ubd84\ud560\uc0c1\ud658\uc774 \ub300\ubd80\ubd84\uc73c\ub85c \uc62c\ud574 \uc0c1\ubc18\uae30 \ub9cc\uae30\uac00 \ub3c4\ub798\ud558\ub294 \uc794\uc561\uc740 \uc57d 499\uc5b5\uc6d0\uc73c\ub85c \uc804\uccb4\uc758 0.14%\uc5d0 \ubd88\uacfc\ud558\ub2e4.<\/li>\n<\/ul>\n<h2>\uc0ac\uac74 \ubc30\uacbd<\/h2>\n<p>\ucd5c\uadfc \uc815\ubd80\uc640 \uccad\uc640\ub300\ub294 \ub2e4\uc8fc\ud0dd\uc790\uc5d0 \ub300\ud55c \ub300\ucd9c \uaddc\uc81c \uac15\ud654 \ud544\uc694\uc131\uc744 \uc9c0\uc18d \uc81c\uae30\ud574 \uc654\ub2e4. \uc774\uc7ac\uba85 \ub300\ud1b5\ub839\uc774 \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \uc5f0\uc7a5 \uad00\ud589\uc744 \ube44\ud310\ud55c \ub4a4 \uae08\uc735\ub2f9\uad6d\uc740 \uaddc\uc81c \uac15\ud654 \ubc29\uc548\uc744 \ubcf8\uaca9 \uac80\ud1a0\ud558\uae30 \uc2dc\uc791\ud588\ub2e4. \uacfc\uac70\uc5d0\ub294 \uc2e0\uaddc \ub300\ucd9c \uaddc\uc81c\uc5d0 \uc9d1\uc911\ud588\uc73c\ub098, \ub9cc\uae30 \uc5f0\uc7a5\uacfc \ub300\ud658\uc5d0\ub3c4 \ub3d9\uc77c\ud55c \uaddc\uc81c\ub97c \uc801\uc6a9\ud558\uba74 \ud22c\uc790 \ubaa9\uc801 \ub808\ubc84\ub9ac\uc9c0\ub97c \ub0ae\ucd94\ub294 \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\ub2e4\ub294 \uc778\uc2dd\uc774 \ud655\uc0b0\ub410\ub2e4. \uae08\uc735\ub2f9\uad6d \ub0b4\ubd80\uc5d0\uc11c\ub294 \uc218\ub3c4\uad8c\uacfc \uaddc\uc81c\uc9c0\uc5ed\uc758 \ub9e4\ubb3c \uc720\ub3c4 \ud544\uc694\uc131\uc774 \ud070 \uc810\uc744 \uadfc\uac70\ub85c \ud55c \uc120\ubcc4\uc801 \uaddc\uc81c \uc801\uc6a9 \ubc29\uc548\uc774 \ub17c\uc758\ub418\uace0 \uc788\ub2e4.<\/p>\n<p>\ud55c\uad6d\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uad6c\uc870\ub294 \uc7a5\uae30 \ubd84\ud560\uc0c1\ud658 \uc911\uc2ec\uc73c\ub85c \ud615\uc131\ub3fc \uc788\uc5b4 \ub9cc\uae30 \uc5f0\uc7a5 \uc81c\ud55c\uc740 \uace7 \ub300\ucd9c \ud68c\uc218 \uc870\uce58\ub85c \ud574\uc11d\ub420 \uc218 \uc788\ub2e4. \uadf8\ub7ec\ub098 \uc804\uccb4 \uc794\uc561 \ub300\ube44 \ub9cc\uae30 \ub3c4\ub798 \uaddc\ubaa8\uac00 \ud06c\uc9c0 \uc54a\uc544 \uc2e4\uc9c8\uc801 \uc601\ud5a5\uc740 \uc81c\ud55c\uc801\uc77c \uac00\ub2a5\uc131\uc774 \ub192\ub2e4. \ud55c\ud3b8 \uc784\ub300\uc0ac\uc5c5\uc790 \ub300\ucd9c\uc744 \ud3ec\ud568\ud55c \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \uc794\uc561 \uc99d\uac00\uc138\ub294 2022\ub144\ubd80\ud130 2024\ub144\uae4c\uc9c0 \ube60\ub974\uac8c \uc9c4\ud589\ub3fc \uc815\ucc45\uc801 \ub300\uc751\uc758 \ud544\uc694\uc131\uc744 \ub192\uc600\ub2e4. \uae08\uc735\ub2f9\uad6d\uc740 \uc774\ub7ec\ud55c \ud750\ub984\uc774 \uae08\uc735\uc548\uc815\uc131\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uc810\uac80\ud558\uba70 \uc81c\ub3c4 \uc804\ud658(\ub808\uc9d0 \uc804\ud658) \uad00\uc810\uc5d0\uc11c \uc811\uadfc\ud55c\ub2e4\ub294 \ubc29\uce68\uc774\ub2e4.<\/p>\n<h2>\uc8fc\uc694 \uc0ac\uac74<\/h2>\n<p>\uae08\uc735\uc704\uc6d0\ud68c\ub294 6\uc6d4 24\uc77c\ub85c \uc608\uc815\ub41c 3\ucc28 \ud68c\uc758\uc5d0\uc11c \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \ucd1d\ub7c9 \ucd95\uc18c, \ub9cc\uae30 \uc5f0\uc7a5 \uaddc\uc81c, \ub300\ud658\u00b7\ub300\ucd9c \uc5f0\uc7a5 \uc2dc \uc2e0\uaddc \uaddc\uc81c \uc801\uc6a9 \uc5ec\ubd80 \ub4f1\uc744 \ud3ec\ud568\ud55c \uc2e4\ud589\uc548\uc744 \ub17c\uc758\ud560 \uacc4\ud68d\uc774\ub2e4. \uc55e\uc120 \ub450 \ucc28\ub840 \ud68c\uc758\uc5d0\uc11c\ub294 \uc8fc\ub85c \ud604\ud669 \uc810\uac80\uc774 \uc774\ub904\uc84c\uc73c\ub098, \uc774\ubc88\uc5d0\ub294 \uaddc\uc81c\uc758 \ubc94\uc704\uc640 \uc801\uc6a9 \ubc29\uc2dd\uc774 \ud575\uc2ec \uc758\uc81c\ub85c \uc62c\ub77c\uc640 \uc788\ub2e4. \uae08\uc735\ub2f9\uad6d \uad00\uacc4\uc790\ub294 \ub2e4\uc8fc\ud0dd\uc790\uc758 \ub9cc\uae30 \uc5f0\uc7a5\uc744 \uc6d0\uce59\uc801\uc73c\ub85c \ubd88\ud5c8\ud558\ub294 \ubc29\ud5a5\uae4c\uc9c0 \uac80\ud1a0\ud558\uace0 \uc788\ub2e4\uace0 \ubc1d\ud614\ub2e4.<\/p>\n<p>\ud2b9\ud788 \uc740\ud589\uad8c\uacfc \uc0c1\ud638\uae08\uc735\uad8c\uc758 \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \uad6c\uc870\ub97c \ud56d\ubaa9\ubcc4\ub85c \ubd84\ub958\ud574 \uc2ec\uce35 \ubd84\uc11d\ud558\ub294 \uc791\uc5c5\uc774 \uc9c4\ud589 \uc911\uc774\ub2e4. TF\ub294 \ub300\ucd9c\uc758 \uc8fc\uccb4(\uac1c\uc778\u00b7\uac1c\uc778\uc0ac\uc5c5\uc790), \uc0c1\ud658 \ubc29\uc2dd(\uc77c\uc2dc\uc0c1\ud658\u00b7\ubd84\ud560\uc0c1\ud658), \ub2f4\ubcf4 \ud615\ud0dc(\uc544\ud30c\ud2b8\u00b7\ube44\uc544\ud30c\ud2b8), \uc9c0\uc5ed\uc801 \ud2b9\uc131(\uc218\ub3c4\uad8c\u00b7\uc9c0\ubc29) \ub4f1\uc744 \uad50\ucc28 \ubd84\uc11d\ud574 \uc801\uc6a9 \ub300\uc0c1\uacfc \uc608\uc678\ub97c \ub3c4\ucd9c\ud558\ub824 \ud558\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \ubd84\ub958 \uc791\uc5c5\uc740 \uaddc\uc81c\uc758 \ud615\ud3c9\uc131 \ud655\ubcf4\uc640 \ubd80\uc791\uc6a9 \ucd5c\uc18c\ud654\ub97c \uc704\ud55c \uc120\ud589 \ub2e8\uacc4\ub85c \ud574\uc11d\ub41c\ub2e4.<\/p>\n<p>\uae08\uc735\ub2f9\uad6d\uc774 \ub9cc\uae30 \uc5f0\uc7a5 \uc2dc LTV 0% \uc801\uc6a9\uc744 \uacb0\uc815\ud558\uba74 \uc0ac\uc2e4\uc0c1 \ud574\ub2f9 \ub300\ucd9c\uc758 \ub9cc\uae30 \uc5f0\uc7a5\uc774 \uc5b4\ub824\uc6cc\uc9c0\uace0 \uc77c\ubd80 \ub300\ucd9c\uc740 \ud68c\uc218 \uc808\ucc28\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\ub2e4. \ub2e4\ub9cc \uad00\ub828 \ub370\uc774\ud130\uc0c1 \uc0c1\ubc18\uae30 \ub9cc\uae30 \ub3c4\ub798\uc561\uc774 \uc791\uc544 \uc989\uac01\uc801 \uc2dc\uc7a5 \ucda9\uaca9\uc740 \uc81c\ud55c\uc801\uc77c \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4. \uae08\uc735\ub2f9\uad6d\uc740 \uaddc\uc81c \uc2e0\ud638\ub97c \uc810\uc9c4\uc801\uc73c\ub85c \ub204\uc801\uc2dc\ucf1c \ub2e4\uc8fc\ud0dd \ud22c\uc790\uc5d0 \ub300\ud55c \uae30\ub300\uc218\uc775\ub960\uc744 \ub0ae\ucd94\uace0 \ub808\ubc84\ub9ac\uc9c0 \ucd95\uc18c\ub97c \uc720\ub3c4\ud558\uaca0\ub2e4\ub294 \uc804\ub7b5\uc744 \uc81c\uc2dc\ud558\uace0 \uc788\ub2e4.<\/p>\n<h2>\ubd84\uc11d \ubc0f \uc758\ubbf8<\/h2>\n<p>\uc815\ucc45\uc801 \uad00\uc810\uc5d0\uc11c \ub9cc\uae30 \uc5f0\uc7a5\uc5d0 \ub300\ud55c LTV 0% \uc801\uc6a9 \uac80\ud1a0\ub294 \ub2e4\uc8fc\ud0dd\uc790\uc758 \ub808\ubc84\ub9ac\uc9c0 \ud65c\uc6a9\uc744 \uc9c1\uc811\uc801\uc73c\ub85c \uc81c\ud55c\ud558\ub294 \uc870\uce58\ub2e4. \uc2e0\uaddc \ub300\ucd9c\uc5d0 \uc801\uc6a9\ub418\ub294 \uaddc\uc81c\ub97c \uc5f0\uc7a5\u00b7\ub300\ud658\uc73c\ub85c \ud655\ub300\ud558\uba74 \ub2e4\uc8fc\ud0dd \ubcf4\uc720\uc758 \uacbd\uc81c\uc801 \uc720\uc778\uc774 \uc57d\ud654\ub420 \uc218 \uc788\ub2e4. \uc774\ub294 \uc8fc\ud0dd\uc2dc\uc7a5 \ub9e4\ubb3c \uacf5\uae09\uc744 \ub298\ub824 \uc9d1\uac12 \uc548\uc815\ud654\uc5d0 \uae30\uc5ec\ud560 \uac00\ub2a5\uc131\uc774 \uc788\uc73c\ub098, \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \uc77c\ubd80 \ucc28\uc8fc\uc758 \uc720\ub3d9\uc131 \uc555\ubc15\uc744 \ucd08\ub798\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uae08\uc735\uc548\uc815 \uce21\uba74\uc5d0\uc11c\ub294 \ub808\ubc84\ub9ac\uc9c0\uac00 \uacfc\ub3c4\ud55c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc774 \uac70\uc2dc\uacbd\uc81c \uc704\uae30\ub85c \uc804\uc774\ub418\ub294 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\ub294 \ud6a8\uacfc\uac00 \uae30\ub300\ub41c\ub2e4. \uae40\uc6a9\ubc94 \uc815\ucc45\uc2e4\uc7a5\uc774 \uc5b8\uae09\ud55c &#8216;\ub808\uc9d0 \uc804\ud658&#8217;\uc740 \uc7a5\uae30\uc801 \uae08\uc735\uac74\uc804\uc131 \uac15\ud654\ub97c \ubaa9\ud45c\ub85c \ud55c \uad6c\uc870\uc801 \ubcc0\ud654\uc758 \uc2e0\ud638\ub85c \uc77d\ud78c\ub2e4. \ub2e4\ub9cc \uc815\ucc45 \ud6a8\uacfc\ub294 \uaddc\uc81c\uc758 \ubc94\uc704, \uc608\uc678 \uaddc\uc815, \uc2dc\ud589 \uc2dc\uc810\uacfc \uc18d\ub3c4 \ub4f1\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n<p>\uacbd\uc81c\u00b7\ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc5d0 \ubbf8\uce60 \ud30c\uae09\ud6a8\uacfc\ub294 \uc9c0\uc5ed\u00b7\uc0c1\ud488\ubcc4\ub85c \ucc28\ubcc4\ud654\ub420 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4. \uc218\ub3c4\uad8c \uaddc\uc81c\uc9c0\uc5ed\uc758 \uc544\ud30c\ud2b8\uc5d0 \uc9d1\uc911 \uc801\uc6a9\ub420 \uacbd\uc6b0 \ud574\ub2f9 \uc9c0\uc5ed\uc758 \uac70\ub798\u00b7\uac00\uaca9\uc5d0 \uc9c1\uc811\uc801 \uc555\ub825\uc774 \uac00\ud574\uc9c8 \uc218 \uc788\uc73c\ub098 \uc9c0\ubc29\uc774\ub098 \ube44\uc544\ud30c\ud2b8 \uc2dc\uc7a5\uc5d0\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc601\ud5a5\uc774 \uc81c\ud55c\uc801\uc77c \uc218 \uc788\ub2e4. \uae08\uc735\uad8c\uc758 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uad00\uc810\uc5d0\uc11c\ub294 \uc0c1\ud658\ub2a5\ub825\uc774 \uc57d\ud55c \ucc28\uc8fc\uc5d0\uac8c \ubd80\ub2f9\ud55c \ucda9\uaca9\uc744 \uc8fc\uc9c0 \uc54a\ub3c4\ub85d \uc608\uc678\uaddc\uc815\uacfc \ubcf4\uc644\ucc45\uc744 \ud568\uaed8 \ub9c8\ub828\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4.<\/p>\n<h2>\ube44\uad50 \ubc0f \ub370\uc774\ud130<\/h2>\n<figure>\n<table>\n<thead>\n<tr>\n<th>\uc2dc\uc810<\/th>\n<th>\uc77c\ubc18 \uac1c\uc778 \ub2e4\uc8fc\ud0dd\uc790 \uc8fc\ub2f4\ub300 \uc794\uc561(\uc6d0)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2022\ub144 \ub9d0<\/td>\n<td>154,202\uc5b5<\/td>\n<\/tr>\n<tr>\n<td>2023\ub144 1\uc6d4 \ub9d0<\/td>\n<td>158,565\uc5b5<\/td>\n<\/tr>\n<tr>\n<td>2023\ub144 \ub9d0<\/td>\n<td>260,688\uc5b5<\/td>\n<\/tr>\n<tr>\n<td>2024\ub144 1\uc6d4 \ub9d0<\/td>\n<td>364,686\uc5b5<\/td>\n<\/tr>\n<tr>\n<td>2024\ub144 6\uc6d4 \ub9d0<\/td>\n<td>390,867\uc5b5(\ucd5c\uace0\uce58 \ud6c4 \uac10\uc18c)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>\uc704 \ud45c\ub294 \uc77c\ubc18 \uac1c\uc778 \ub2e4\uc8fc\ud0dd\uc790 \uc8fc\ub2f4\ub300 \uc794\uc561\uc758 \uc5f0\u00b7\ubd84\uae30\ubcc4 \ucd94\uc774\ub97c \uc694\uc57d\ud55c \uac83\uc774\ub2e4. 2022\ub144 \ub9d0\uc5d0\uc11c 2024\ub144 \uc911\ubc18\uae4c\uc9c0 \uc794\uc561\uc774 \uae09\uc99d\ud588\ub2e4\uac00 6\u00b727 \ub300\ucc45 \uc774\ud6c4 \uc18c\ud3ed \uac10\uc18c\uc138\ub85c \uc804\ud658\ub41c \ud750\ub984\uc744 \ubcf4\uc5ec\uc900\ub2e4. \uc784\ub300\uc0ac\uc5c5\uc790 \uad00\ub828 \uc740\ud589\uad8c \ub300\ucd9c \uc794\uc561\uc740 \uc57d 13\uc8709\ucc9c\uc5b5\uc6d0\uc774\uba70, \uc0c1\ud638\uae08\uc735\uad8c\uc744 \ud3ec\ud568\ud558\uba74 \uc57d 20\uc870\uc6d0 \uaddc\ubaa8\ub85c \ucd94\uc815\ub41c\ub2e4. \ub9cc\uae30 \ub3c4\ub798 \uaddc\ubaa8\uac00 \uc791\uc544(\uc57d 499\uc5b5\uc6d0, \uc804\uccb4\uc758 0.14%) \ub9cc\uae30 \uc5f0\uc7a5 \uc81c\ud55c\uc758 \uc9c1\uc811\uc801 \uc601\ud5a5\uc740 \uc81c\ud55c\uc801\uc77c \uc218 \uc788\ub2e4. \ub2e4\ub9cc \ub204\uc801\ub41c \uaddc\uc81c \uc2e0\ud638\ub294 \uc2dc\uc7a5 \uae30\ub300\uc640 \ud22c\uc790\ud589\ud0dc\uc5d0 \uc7a5\uae30\uc801 \uc601\ud5a5\uc744 \uc904 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n<h2>\ubc18\uc751 \ubc0f \uc778\uc6a9<\/h2>\n<p>\uccad\uc640\ub300 \uc815\ucc45\uc2e4\uc7a5\uc740 \ub2e4\uc8fc\ud0dd \ud22c\uc790 \ub808\ubc84\ub9ac\uc9c0 \ucd95\uc18c\uc758 \ud544\uc694\uc131\uc744 \uacf5\uac1c\uc801\uc73c\ub85c \ubc1d\ud614\ub2e4. \uc815\ucc45\uc2e4\uc7a5\uc740 \ub808\ubc84\ub9ac\uc9c0 \uad6c\uc870\uac00 \uac70\uc2dc\uacbd\uc81c \ub9ac\uc2a4\ud06c\ub85c \uc804\uc774\ub420 \uc218 \uc788\uc74c\uc744 \uc6b0\ub824\ud558\uba70 \ub2e8\uacc4\uc801 \uaddc\uc81c \uac15\ud654\uc758 \ub2f9\uc704\uc131\uc744 \uc81c\uc2dc\ud588\ub2e4.<\/p>\n<blockquote>\n<p>&#8220;\ud22c\uc790 \ubaa9\uc801\uc758 \uc8fc\ud0dd \ub9e4\uc785\uc744 \uc704\ud55c \ub2f4\ubcf4\ub300\ucd9c \ub4f1 \uae30\uc874 \ub808\ubc84\ub9ac\uc9c0 \uad6c\uc870\uac00 \uac70\uc2dc\uacbd\uc81c \uc704\uae30\ub85c \uc804\uc774\ub420 \uc218 \uc788\ub2e4. \ube44\uac70\uc8fc \ub2e4\uc8fc\ud0dd \ub300\ucd9c\uc758 \ub2e8\uacc4\uc801 LTV \ucd95\uc18c\uc640 \ub300\ucd9c \ub9cc\uae30 \uad6c\uc870 \ucc28\ub4f1\ud654 \ub4f1\uc758 \uc2e0\ud638\ub97c \ud1b5\ud574 \uad6c\uc870\ub97c \ubc14\uafd4\uc57c \ud55c\ub2e4.&#8221;<\/p>\n<p><cite>\uae40\uc6a9\ubc94 \uccad\uc640\ub300 \uc815\ucc45\uc2e4\uc7a5<\/cite><\/p><\/blockquote>\n<p>\uae08\uc735\ub2f9\uad6d \ub0b4\ubd80 \uad00\uacc4\uc790\ub294 \ub9cc\uae30 \uc5f0\uc7a5 \uc6d0\uce59 \ubd88\ud5c8 \uac00\ub2a5\uc131\uc744 \uc5b8\uae09\ud558\uba70 \uaddc\uc81c \uac15\ud654\ub97c \uc2dc\uc0ac\ud588\ub2e4. \uc774 \ubc1c\uc5b8\uc740 \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \uad00\ub9ac\uc758 \uac15\ud654 \uc758\uc9c0\ub97c \ubc18\uc601\ud55c \uac83\uc73c\ub85c \ud574\uc11d\ub41c\ub2e4.<\/p>\n<blockquote>\n<p>&#8220;\ub2e4\uc8fc\ud0dd\uc790\uc758 \ub9cc\uae30 \uc5f0\uc7a5\uc740 \uc6d0\uce59\uc801\uc73c\ub85c \ubd88\ud5c8\ud558\ub294 \ubc29\ud5a5\uc744 \uac80\ud1a0\ud558\uace0 \uc788\ub2e4.&#8221;<\/p>\n<p><cite>\uae08\uc735\ub2f9\uad6d \uad00\uacc4\uc790<\/cite><\/p><\/blockquote>\n<p>\uc804\ubb38\uac00\ub4e4\uc740 \uaddc\uc81c \uac15\ud654\uac00 \uae08\uc735\uac74\uc804\uc131\uc5d0\ub294 \ub3c4\uc6c0\uc774 \ub418\uc9c0\ub9cc \uc138\uc2ec\ud55c \ubcf4\uc644\ucc45 \uc5c6\uc774\ub294 \uc2e4\uc218\uc694\uc790 \ud53c\ud574\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub2e4\uace0 \uacbd\uace0\ud55c\ub2e4. \uc2dc\ubbfc\uc0ac\ud68c\uc640 \uc2dc\uc7a5 \ucc38\uc5ec\uc790\ub4e4\uc740 \uaddc\uc81c \ubc94\uc704\uc640 \uc608\uc678 \uae30\uc900\uc758 \ud22c\uba85\ud55c \uacf5\uac1c\ub97c \uc694\uad6c\ud558\uace0 \uc788\ub2e4.<\/p>\n<h2>\ubcf4\uc870 \ubaa8\ub4c8<\/h2>\n<aside>\n<details>\n<summary>\uc6a9\uc5b4\/\ubc29\ubc95\ub860<\/summary>\n<p>LTV(Loan To Value)\ub294 \ub2f4\ubcf4\uac00\uce58 \ub300\ube44 \ub300\ucd9c \ube44\uc728\uc744 \ub73b\ud558\uba70, LTV 0%\ub294 \uc0ac\uc2e4\uc0c1 \ub2f4\ubcf4\ub300\ucd9c\uc744 \ud5c8\uc6a9\ud558\uc9c0 \uc54a\ub294 \uac83\uc744 \uc758\ubbf8\ud55c\ub2e4. RTI(Interest Coverage Ratio)\ub294 \uc774\uc790\uc0c1\ud658\ub2a5\ub825\uc744 \uce21\uc815\ud558\ub294 \uc9c0\ud45c\ub85c, \ub300\ucd9c\uc790\uc758 \uc774\uc790 \uc0c1\ud658 \uc5ec\ub825\uc744 \ud3c9\uac00\ud558\ub294 \ub370 \uc0ac\uc6a9\ub41c\ub2e4. \uc77c\uc2dc\uc0c1\ud658\uc740 \ub9cc\uae30\uc5d0 \uc6d0\uae08 \uc804\uc561\uc744 \uac1a\ub294 \ubc29\uc2dd\uc774\uace0 \ubd84\ud560\uc0c1\ud658\uc740 \uc6d0\ub9ac\uae08\uc744 \ub098\ub220 \uac1a\ub294 \ubc29\uc2dd\uc774\ub2e4. \uaddc\uc81c\uc758 \ud6a8\uacfc\ub294 \uc801\uc6a9 \ub300\uc0c1, \uc2dc\uae30, \uc608\uc678 \uaddc\uc815, \uae08\uc735\uad8c\uc758 \uad00\ud589\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ubbc0\ub85c \uc815\ucc45 \uc124\uacc4 \uc2dc \ub2e4\ucc28\uc6d0\uc801 \ubd84\uc11d\uc774 \uc694\uad6c\ub41c\ub2e4.<\/p>\n<\/details>\n<\/aside>\n<h2>\ubd88\ud655\uc2e4\ud55c \ubd80\ubd84<\/h2>\n<ul>\n<li>\uad6c\uccb4\uc801\uc778 \uc801\uc6a9 \uae30\uc900: LTV 0%\ub97c \ub9cc\uae30 \uc5f0\uc7a5\uc5d0 \uc5b4\ub5bb\uac8c \uc801\uc6a9\ud560\uc9c0(\uc804\uba74 \uc801\uc6a9\u00b7\uc9c0\uc5ed\ubcc4 \uc120\ubcc4 \uc801\uc6a9 \ub4f1)\ub294 \uc544\uc9c1 \ud655\uc815\ub418\uc9c0 \uc54a\uc558\ub2e4.<\/li>\n<li>\uc608\uc678 \ubc0f \ubcf4\uc644\ucc45: \uc2e4\uc218\uc694\u00b7\ub2e8\uae30 \uc720\ub3d9\uc131 \ubb38\uc81c\ub97c \ud574\uc18c\ud558\uae30 \uc704\ud55c \uc608\uc678 \uaddc\uc815\uc774\ub098 \uc9c0\uc6d0\ucc45\uc758 \uc138\ubd80 \ub0b4\uc6a9\uc740 \uacf5\uac1c\ub418\uc9c0 \uc54a\uc558\ub2e4.<\/li>\n<li>\uc2dc\uc7a5 \ubc18\uc751 \uaddc\ubaa8: \uaddc\uc81c \uc2e0\ud638\uac00 \uc2e4\uc81c \ub9e4\ub9e4\u00b7\uc784\ub300 \uc2dc\uc7a5\uc5d0 \ubbf8\uce58\ub294 \uc815\ub7c9\uc801 \uc601\ud5a5\uc740 \ucd94\uac00 \ubd84\uc11d\uc774 \ud544\uc694\ud558\ub2e4.<\/li>\n<\/ul>\n<h2>\ucd1d\ud3c9<\/h2>\n<p>\uae08\uc735\ub2f9\uad6d\uc758 \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \ub9cc\uae30 \uc5f0\uc7a5 \uaddc\uc81c \uac80\ud1a0\ub294 \uc8fc\ud0dd\uc2dc\uc7a5\uacfc \uae08\uc735\uc548\uc815\uc5d0 \ubaa8\ub450 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub294 \uc815\ucc45 \uc804\ud658 \uc2e0\ud638\ub2e4. \uc2e4\uc81c\ub85c \ub9cc\uae30 \uc5f0\uc7a5\uc5d0 LTV 0%\ub97c \uc801\uc6a9\ud558\uba74 \ub2e4\uc8fc\ud0dd \ud22c\uc790 \uc720\uc778\uc774 \uc904\uc5b4\ub4e4\uc5b4 \uc7a5\uae30\uc801\uc73c\ub860 \ub808\ubc84\ub9ac\uc9c0 \ucd95\uc18c\uc640 \uac00\uaca9 \uc548\uc815\uc5d0 \uae30\uc5ec\ud560 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4. \ub2e4\ub9cc \ub2e8\uae30\uc801\uc73c\ub860 \uc77c\ubd80 \ucc28\uc8fc\uc758 \uc720\ub3d9\uc131 \ubd80\ub2f4\uacfc \uae08\uc735\uae30\uad00\uc758 \uc790\uc0b0\uad00\ub9ac \ubd80\ub2f4\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc5b4 \uc815\ucc45 \uc124\uacc4\uc5d0\uc11c \uc608\uc678\uc640 \ubcf4\uc644 \uc870\uce58\uac00 \uc911\uc694\ud558\ub2e4.<\/p>\n<p>\ud5a5\ud6c4 \uad00\uac74\uc740 \uaddc\uc81c\uc758 \ubc94\uc704\uc640 \uc2dc\ud589 \uc2dc\uc810, \uadf8\ub9ac\uace0 \ubcf4\uc644\ucc45 \ub9c8\ub828 \uc5ec\ubd80\ub2e4. \uae08\uc735\ub2f9\uad6d\uc774 6\uc6d4 24\uc77c \ud68c\uc758\uc5d0\uc11c \ub3c4\ucd9c\ud558\ub294 \uc2e4\ud589\uc548\uacfc TF\uc758 \ubd84\uc11d \uacb0\uacfc\uac00 \uc815\ucc45\uc758 \uad6c\uccb4\uc801 \ud615\ud0dc\ub97c \uacb0\uc815\ud560 \uac83\uc774\ub2e4. \ub3c5\uc790\ub294 \uaddc\uc81c\uc758 \uc801\uc6a9 \ub300\uc0c1\u00b7\uc608\uc678\u00b7\uc2dc\ud589 \uc77c\uc790\ub97c \uc8fc\ubaa9\ud574\uc57c \ud558\uba70, \uc815\ucc45 \ubcc0\ud654\uac00 \ubbf8\uce60 \uc9c0\uc5ed\u00b7\uc0c1\ud488\ubcc4 \uc601\ud5a5\uc744 \uba74\ubc00\ud788 \uc0b4\ud3b4\ubcfc \ud544\uc694\uac00 \uc788\ub2e4.<\/p>\n<h2>\ucd9c\ucc98<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.hani.co.kr\/arti\/economy\/finance\/1245923.html\" target=\"_blank\" rel=\"noopener\">\ud55c\uaca8\ub808(\uc5b8\ub860)<\/a><\/li>\n<li><a href=\"https:\/\/www.fsc.go.kr\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uc704\uc6d0\ud68c(\uacf5\uc2dd \ubc1c\ud45c\u00b7\uc815\ubd80)<\/a><\/li>\n<\/ul>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>\ud575\uc2ec \uc694\uc57d: \uae08\uc735\uc704\uc6d0\ud68c\uac00 \ub2e4\uc8fc\ud0dd\uc790\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ub9cc\uae30 \uc5f0\uc7a5\uc5d0 \ub300\ud574 \uc2e0\uaddc \ub300\ucd9c\uacfc \ub3d9\uc77c\ud558\uac8c LTV(\ub2f4\ubcf4\uc778\uc815\ube44\uc728) 0% \uc801\uc6a9 \uac00\ub2a5\uc131\uc744 \uac80\ud1a0\ud558\uace0 \uc788\ub2e4. 6\uc6d4 24\uc77c 5\ub300 \uc740\ud589\uacfc \uc0c1\ud638\uae08\uc735\uad8c\uc744 \uc18c\uc9d1\ud574 \uad6c\uccb4\uc801 \uc2e4\ud589\uc548\uc744 \ub17c\uc758\ud560 \uc608\uc815\uc774\uba70, \uccad\uc640\ub300\ub294 \ub2e4\uc8fc\ud0dd \ud22c\uc790 \ub808\ubc84\ub9ac\uc9c0 \ucd95\uc18c\ub97c \uc815\ucc45 \ubc29\ud5a5\uc73c\ub85c \uc81c\uc2dc\ud588\ub2e4. \uae08\uc735\ub2f9\uad6d\uc740 \uc218\ub3c4\uad8c\u00b7\uaddc\uc81c\uc9c0\uc5ed \uc544\ud30c\ud2b8\ub97c \uc6b0\uc120 \uad00\ub9ac \ub300\uc0c1\uc73c\ub85c \uc0bc\uace0 \ud0dc\uc2a4\ud06c\ud3ec\uc2a4\uac00 \uc804 \uae08\uc735\uad8c\uc758 \ub300\ucd9c \ud604\ud669\uc744 \ubd84\uc11d\ud558\uace0 \uc788\ub2e4. \ud575\uc2ec \uc0ac\uc2e4 \uae08\uc735\uc704\ub294 6\uc6d4 24\uc77c 5\ub300 &#8230; <a title=\"\uae08\uc735\uc704, \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \ub9cc\uae30 \uc5f0\uc7a5 \ub54c \u2018LTV 0%\u2019 \uac80\ud1a0 &#8211; \ud55c\uaca8\ub808\" class=\"read-more\" href=\"https:\/\/readtrends.com\/ko\/ltv-0-multi-home-loan\/\" aria-label=\"\uae08\uc735\uc704, \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \ub9cc\uae30 \uc5f0\uc7a5 \ub54c \u2018LTV 0%\u2019 \uac80\ud1a0 &#8211; \ud55c\uaca8\ub808\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":8914,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_title":"\uae08\uc735\uc704, \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c \ub9cc\uae30 \uc5f0\uc7a5 \ub54c \u2018LTV 0%\u2019 \uac80\ud1a0 - \ub274\uc2a4\ub098\uc6b0","rank_math_description":"\uae08\uc735\uc704\uac00 \ub2e4\uc8fc\ud0dd\uc790 \ub300\ucd9c\uc758 \ub9cc\uae30 \uc5f0\uc7a5\uc5d0 \uc2e0\uaddc \uaddc\uc81c\uc640 \ub3d9\uc77c\ud55c LTV 0% \uc801\uc6a9\uc744 \uac80\ud1a0\ud55c\ub2e4. 6\uc6d4 24\uc77c \uae08\uc735\uad8c \ud68c\uc758\uc5d0\uc11c \uad6c\uccb4\uc548\uc744 \ub17c\uc758\ud558\uba70 \ud0dc\uc2a4\ud06c\ud3ec\uc2a4\uac00 \uc804 \uae08\uc735\uad8c \ud604\ud669\uc744 \ubd84\uc11d \uc911\uc774\ub2e4.","rank_math_focus_keyword":"\ub2e4\uc8fc\ud0dd\uc790,LTV,\ub300\ucd9c\ub9cc\uae30,\uae08\uc735\uc704,\uc784\ub300\uc0ac\uc5c5\uc790","footnotes":""},"categories":[2],"tags":[],"class_list":["post-8920","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\/8920","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=8920"}],"version-history":[{"count":0,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/8920\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media\/8914"}],"wp:attachment":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media?parent=8920"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/categories?post=8920"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/tags?post=8920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}