{"id":1905,"date":"2024-06-26T10:43:24","date_gmt":"2024-06-26T10:43:24","guid":{"rendered":"https:\/\/iot.miracool.co.kr\/?p=1905"},"modified":"2024-06-26T10:43:24","modified_gmt":"2024-06-26T10:43:24","slug":"dsr-ltv-dti%eb%9e%80-%eb%b6%80%eb%8f%99%ec%82%b0%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ec%9a%a9%ec%96%b4-%ec%a0%95%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/iot.miracool.co.kr\/?p=1905","title":{"rendered":"DSR, LTV, DTI\ub780 : \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac"},"content":{"rendered":"<div class=\"tt_article_useless_p_margin contents_style\">\n<p data-ke-size=\"size16\">\n  \uc8fc\ud0dd \uad6c\ub9e4\ub294 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc911\uc694\ud55c \uacb0\uc815\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub300\ucd9c\uc744 \uc774\uc6a9\ud558\uc5ec \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud560 \ub54c\ub294 \ub300\ucd9c \uaddc\uc81c\uc640 \uad00\ub828\ub41c \uc5ec\ub7ec \uc6a9\uc5b4\ub4e4\uc744 \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud2b9\ud788, LTV\uc640 DTI\ub294 \uc8fc\ud0dd \uad6c\ub9e4 \uacfc\uc815\uc5d0\uc11c \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud558\ub294\ub370, \uc774 \ub458\uc758 \ucc28\uc774\uc640 \uacc4\uc0b0 \ubc29\ubc95\uc5d0 \ub300\ud55c \uc774\ud574\ub294 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294<br \/>\n  <b><br \/>\n<u><br \/>\n    LTV\uc640 DTI\uc758 \uac1c\ub150\uacfc \uc911\uc694\uc131\uc744 \uc54c\uc544\ubcf4\uace0, \uc774\ub97c \uacc4\uc0b0\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<br \/>\n   <\/u><br \/>\n<\/b>\n<\/p>\n<p data-ke-size=\"size16\">\n<p><figure class=\"imageblock alignCenter\" data-filename=\"DSR, LTV, DTI\ub780 \ubd80\ub3d9\uc0b0\uc6a9\uc5b4 \uc815\ub9ac.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"637\" data-origin-width=\"638\">\n<span data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/cgRo1p\/btsES08n8UI\/gb46wPJZGZnk3Xqb3kbrq0\/img.jpg\"><br \/>\n<img loading=\"lazy\" decoding=\"async\" alt=\"DSR&amp;#44; LTV&amp;#44; DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" data-filename=\"DSR, LTV, DTI\ub780 \ubd80\ub3d9\uc0b0\uc6a9\uc5b4 \uc815\ub9ac.jpg\" data-origin-height=\"637\" data-origin-width=\"638\" height=\"499\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/cgRo1p\/btsES08n8UI\/gb46wPJZGZnk3Xqb3kbrq0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FcgRo1p%2FbtsES08n8UI%2Fgb46wPJZGZnk3Xqb3kbrq0%2Fimg.jpg\" width=\"500\"\/><br \/>\n<\/span><br \/>\n<\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<h2 data-ke-size=\"size26\" style=\"padding: 0.4em 1em 0.1em 0.2em; margin: 0.5em 0em; color: #000000; border-bottom: 8px #F89009 double; font-weight: bold;\">\n  LTV (Loan to Value)<br \/>\n <\/h2>\n<p data-ke-size=\"size16\">\n<p><center><\/p>\n<div>\n<script src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7252963039043907\">\n<\/script><br \/>\n<!-- \ub514\uc2a4\ud50c\ub808\uc774 \uc218\ud3c9 \ubc18\uc751\ud615 --><br \/>\n<ins class=\"adsbygoogle\" data-ad-client=\"ca-pub-7252963039043907\" data-ad-format=\"auto\" data-ad-slot=\"4090759020\" data-full-width-responsive=\"true\" style=\"display: block;\"><br \/>\n<\/ins><br \/>\n<script>\n    (adsbygoogle = window.adsbygoogle || []).push({});\n   <\/script>\n<\/div>\n<p><\/center><\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #409d00;\"><br \/>\n    \uc815\uc758: \uc8fc\ud0dd \uac00\uce58\uc5d0 \ub300\ud55c \ub300\ucd9c \uae08\uc561\uc758 \ube44\uc728\uc744 \uc758\ubbf8<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ud569\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \uc608\uc2dc: \uc8fc\ud0dd \uac00\uce58\uac00 10\uc5b5 \uc6d0\uc774\uace0 LTV\uac00 70%\ub77c\uba74, \ub300\ucd9c \uac00\ub2a5\ud55c \uae08\uc561\uc740 7\uc5b5 \uc6d0\uc785\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \ubaa9\uc801: \uc8fc\ud0dd \uc2dc\uc7a5\uc758 \uc548\uc815\uc744 \uc704\ud574<br \/>\n  <b><br \/>\n<u><br \/>\n    \uc8fc\ud0dd \uac00\uce58\uc5d0 \ub530\ub77c \ub300\ucd9c \uc0c1\ud55c\uc120\uc744 \uc815\ud558\uace0, \ub300\ucd9c\uc790\uc758 \ubd80\ucc44 \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n  \ud569\ub2c8\ub2e4.<\/p>\n<p>\n<\/p>\n<h2 data-ke-size=\"size26\" style=\"padding: 0.4em 1em 0.1em 0.2em; margin: 0.5em 0em; color: #000000; border-bottom: 8px #F89009 double; font-weight: bold;\">\n  DTI (Debt to Income)<br \/>\n <\/h2>\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\" data-is-animation=\"false\" data-origin-height=\"195\" data-origin-width=\"347\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/bvslEJ\/btsEXt8SzLU\/bVCXBQbvoZJ9quKAVm4fyk\/img.jpg\" data-widthpercent=\"33.31\" style=\"width: 32.5335%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/bvslEJ\/btsEXt8SzLU\/bVCXBQbvoZJ9quKAVm4fyk\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbvslEJ%2FbtsEXt8SzLU%2FbVCXBQbvoZJ9quKAVm4fyk%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-is-animation=\"false\" data-origin-height=\"194\" data-origin-width=\"347\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/cwCwfc\/btsESp8sxCe\/gUyqjbPOlralHkmVz3kLp0\/img.jpg\" data-widthpercent=\"33.48\" style=\"width: 32.7012%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/cwCwfc\/btsESp8sxCe\/gUyqjbPOlralHkmVz3kLp0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FcwCwfc%2FbtsESp8sxCe%2FgUyqjbPOlralHkmVz3kLp0%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-is-animation=\"false\" data-origin-height=\"195\" data-origin-width=\"346\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/mdj10\/btsEWMt4x0I\/7pHKMp1NPRTx37tKmyRItk\/img.jpg\" data-widthpercent=\"33.21\" style=\"width: 32.4397%;\"><br \/>\n<img decoding=\"async\" alt=\"DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/mdj10\/btsEWMt4x0I\/7pHKMp1NPRTx37tKmyRItk\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fmdj10%2FbtsEWMt4x0I%2F7pHKMp1NPRTx37tKmyRItk%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div><figcaption>\n    DSR, LTV, DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #0593d3;\"><br \/>\n    \uc815\uc758 : \uc5f0\uac04 \ucd1d \uc0c1\ud658\uc561\uc774 \uc5f0\uac04 \uc18c\ub4dd\uc5d0 \ub300\ube44\ud55c \ube44\uc728<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc744 \ub098\ud0c0\ub0c5\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \uc608\uc2dc : DTI\uac00 40%\ub77c\uba74, \uc5f0\uac04 \uc18c\ub4dd\uc758 40%\uac00 \ub300\ucd9c \uc0c1\ud658\uc5d0 \uc0ac\uc6a9\ub429\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \ubaa9\uc801 :<br \/>\n  <b><br \/>\n<u><br \/>\n    \ub300\ucd9c\uc790\uc758 \uc0c1\ud658 \ub2a5\ub825\uc744 \ud3c9\uac00\ud558\uace0, \ubd80\ucc44 \ubd80\ub2f4\uc744 \uad00\ub9ac<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n  \ud569\ub2c8\ub2e4.<\/p>\n<p><figure class=\"imageblock alignCenter\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"289\" data-origin-width=\"809\">\n<img decoding=\"async\" alt=\"DSR&amp;#44; LTV&amp;#44; DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" data-origin-height=\"289\" data-origin-width=\"809\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/GLG1l\/btsEXq5tsKw\/jF2BVYuPnxyvMFiRAKl2j1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FGLG1l%2FbtsEXq5tsKw%2FjF2BVYuPnxyvMFiRAKl2j1%2Fimg.jpg\"\/><br \/>\n<\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<h2 data-ke-size=\"size26\" style=\"padding: 0.4em 1em 0.1em 0.2em; margin: 0.5em 0em; color: #000000; border-bottom: 8px #F89009 double; font-weight: bold;\">\n  DSR (Debt Service Ratio)<br \/>\n <\/h2>\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\" data-is-animation=\"false\" data-origin-height=\"196\" data-origin-width=\"348\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/d7Sirm\/btsEXnt87Dq\/tl0cehd9SCIDPp9gPXtre0\/img.jpg\" data-widthpercent=\"34.09\" style=\"width: 33.2966%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/d7Sirm\/btsEXnt87Dq\/tl0cehd9SCIDPp9gPXtre0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fd7Sirm%2FbtsEXnt87Dq%2Ftl0cehd9SCIDPp9gPXtre0%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-is-animation=\"false\" data-origin-height=\"210\" data-origin-width=\"337\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/cWKyuI\/btsETTgFso4\/4o69caWDsNJzzvNVUBwvN1\/img.jpg\" data-widthpercent=\"30.81\" style=\"width: 30.0945%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/cWKyuI\/btsETTgFso4\/4o69caWDsNJzzvNVUBwvN1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FcWKyuI%2FbtsETTgFso4%2F4o69caWDsNJzzvNVUBwvN1%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-is-animation=\"false\" data-origin-height=\"192\" data-origin-width=\"351\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/p13Mf\/btsEXpZOgZc\/bnW49c2s024nPLf6j6Kck1\/img.jpg\" data-widthpercent=\"35.1\" style=\"width: 34.2833%;\"><br \/>\n<img decoding=\"async\" alt=\"DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/p13Mf\/btsEXpZOgZc\/bnW49c2s024nPLf6j6Kck1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fp13Mf%2FbtsEXpZOgZc%2FbnW49c2s024nPLf6j6Kck1%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div><figcaption>\n    DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #6164c6;\"><br \/>\n    \uc815\uc758 : \uc5f0\uac04 \ucd1d \uc0c1\ud658\uc561\uc774 \uc5f0\uac04 \uc18c\ub4dd\uc5d0 \ub300\ud55c \ube44\uc728<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \ucc28\uc774 : DTI\uac00 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc5d0\ub9cc \ucd08\uc810\uc744 \ub454 \ubc18\uba74, DSR\uc740 \ubaa8\ub4e0 \ubd80\ucc44\ub97c \uace0\ub824\ud569\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \ubaa9\uc801 : \ubcf4\ub2e4<br \/>\n  <b><br \/>\n<u><br \/>\n    \ud3ec\uad04\uc801\uc778 \ubd80\ucc44 \ubd80\ub2f4\ub3c4\ub97c \ub098\ud0c0\ub0b4\uba70, \ub300\ucd9c\uc790\uc758 \uc804\uccb4\uc801\uc778 \uc0c1\ud658 \ub2a5\ub825\uc744 \ud3c9\uac00<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n  \ud569\ub2c8\ub2e4.<\/p>\n<p><figure class=\"imageblock alignCenter\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"183\" data-origin-width=\"863\">\n<img decoding=\"async\" alt=\"DSR&amp;#44; LTV&amp;#44; DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" data-origin-height=\"183\" data-origin-width=\"863\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/doZDRh\/btsEVJdFicl\/0AWA5ImK6oNdqYexZmUEC1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FdoZDRh%2FbtsEVJdFicl%2F0AWA5ImK6oNdqYexZmUEC1%2Fimg.jpg\"\/><br \/>\n<\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<h2 data-ke-size=\"size26\" style=\"padding: 0.4em 1em 0.1em 0.2em; margin: 0.5em 0em; color: #000000; border-bottom: 8px #F89009 double; font-weight: bold;\">\n  LTV, DTI, DSR \ube44\uad50<br \/>\n <\/h2>\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\" data-is-animation=\"false\" data-origin-height=\"143\" data-origin-width=\"250\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/QrXFR\/btsETXcn45h\/TGRnxg2RFeNhgzLlugkOaK\/img.jpg\" data-widthpercent=\"33.1\" style=\"width: 32.3291%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/QrXFR\/btsETXcn45h\/TGRnxg2RFeNhgzLlugkOaK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FQrXFR%2FbtsETXcn45h%2FTGRnxg2RFeNhgzLlugkOaK%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-is-animation=\"false\" data-origin-height=\"141\" data-origin-width=\"251\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/bEzSJC\/btsEWg90nlE\/DoTp6ISgDMzifWVOsJXor0\/img.jpg\" data-widthpercent=\"33.7\" style=\"width: 32.9188%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/bEzSJC\/btsEWg90nlE\/DoTp6ISgDMzifWVOsJXor0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbEzSJC%2FbtsEWg90nlE%2FDoTp6ISgDMzifWVOsJXor0%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-is-animation=\"false\" data-origin-height=\"142\" data-origin-width=\"249\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/cjh9sb\/btsESqGhdbp\/1KAlssLzelHHS7Ry37em40\/img.jpg\" data-widthpercent=\"33.2\" style=\"width: 32.4265%;\"><br \/>\n<img decoding=\"async\" alt=\"DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/cjh9sb\/btsESqGhdbp\/1KAlssLzelHHS7Ry37em40\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fcjh9sb%2FbtsESqGhdbp%2F1KAlssLzelHHS7Ry37em40%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div><figcaption>\n    DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \ubaa9\uc801 : \ub300\ucd9c \uaddc\uc81c\ub97c \uc704\ud55c \uc9c0\ud45c\ub85c \uc0ac\uc6a9\ub429\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \ucc28\uc774 :<br \/>\n  <b><br \/>\n<u><br \/>\n    LTV\ub294 \ub300\ucd9c \uc0c1\ud55c\uc120\uc744 \uc815\ud558\uace0, DTI\uc640 DSR\uc740 \ub300\ucd9c\uc790\uc758 \ubd80\ucc44 \uc0c1\ud658 \ub2a5\ub825\uc744 \uce21\uc815<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n  \ud569\ub2c8\ub2e4.<\/p>\n<p data-ke-size=\"size16\">\n<p><figure class=\"imageblock alignCenter\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"356\" data-origin-width=\"1077\">\n<img decoding=\"async\" alt=\"DSR&amp;#44; LTV&amp;#44; DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" data-origin-height=\"356\" data-origin-width=\"1077\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/WmykB\/btsEVNUybHK\/AkoJGZRGE41oQHw5kG9jQ1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FWmykB%2FbtsEVNUybHK%2FAkoJGZRGE41oQHw5kG9jQ1%2Fimg.jpg\"\/><br \/>\n<\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<h2 data-ke-size=\"size26\" style=\"padding: 0.4em 1em 0.1em 0.2em; margin: 0.5em 0em; color: #000000; border-bottom: 8px #F89009 double; font-weight: bold;\">\n  LTV\uc640 DTI\uc758 \uacc4\uc0b0 \ubc29\ubc95<br \/>\n <\/h2>\n<p><center><\/p>\n<p data-ke-size=\"size16\">\n<div>\n<script src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7252963039043907\">\n<\/script><br \/>\n<!-- \ub514\uc2a4\ud50c\ub808\uc774 \uc218\ud3c9 \ubc18\uc751\ud615 --><br \/>\n<ins class=\"adsbygoogle\" data-ad-client=\"ca-pub-7252963039043907\" data-ad-format=\"auto\" data-ad-slot=\"4090759020\" data-full-width-responsive=\"true\" style=\"display: block;\"><br \/>\n<\/ins><br \/>\n<script>\n    (adsbygoogle = window.adsbygoogle || []).push({});\n   <\/script>\n<\/div>\n<p><\/center><\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  LTV\uc640 DTI\ub294 \uc8fc\ud0dd \uad6c\uc785\uc744 \uc704\ud574 \uc911\uc694\ud55c \uac1c\ub150\uc774\uc9c0\ub9cc, \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uadf8 \ub458 \uc0ac\uc774\uc758 \ucc28\uc774\ub97c \ud63c\ub3d9\ud558\uae30 \uc27d\uc2b5\ub2c8\ub2e4.<\/p>\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\" data-is-animation=\"false\" data-origin-height=\"137\" data-origin-width=\"247\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/pQrcw\/btsERmjQkdC\/H082IrKLkcEhdLMDeQqhYK\/img.jpg\" data-widthpercent=\"35.58\" style=\"width: 34.7533%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/pQrcw\/btsERmjQkdC\/H082IrKLkcEhdLMDeQqhYK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FpQrcw%2FbtsERmjQkdC%2FH082IrKLkcEhdLMDeQqhYK%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-is-animation=\"false\" data-origin-height=\"139\" data-origin-width=\"249\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/yw3gq\/btsEVe526XL\/ZQOAFYYCpWBcglrtRSVICK\/img.jpg\" data-widthpercent=\"35.35\" style=\"width: 34.5307%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/yw3gq\/btsEVe526XL\/ZQOAFYYCpWBcglrtRSVICK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fyw3gq%2FbtsEVe526XL%2FZQOAFYYCpWBcglrtRSVICK%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-is-animation=\"false\" data-origin-height=\"184\" data-origin-width=\"271\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/3qfwc\/btsETVMsLqq\/74EAPk8E87TmicnyZqqAg0\/img.jpg\" data-widthpercent=\"29.07\" style=\"width: 28.3904%;\"><br \/>\n<img decoding=\"async\" alt=\"DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/3qfwc\/btsETVMsLqq\/74EAPk8E87TmicnyZqqAg0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2F3qfwc%2FbtsETVMsLqq%2F74EAPk8E87TmicnyZqqAg0%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div><figcaption>\n    DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<h3 data-ke-size=\"size23\" style=\"padding: 0.3em 0.5em 0.3em 0.5em; margin: 0.5em 0em; color: #000000; border-left: 10px solid #5b63fb; font-weight: bold;\">\n  LTV (Loan-to-Value) \uacc4\uc0b0 \ubc29\ubc95<br \/>\n <\/h3>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  \u25cf LTV\ub294 \ub300\ucd9c \uae08\uc561 \ub300\ube44 \uc8fc\ud0dd \uac00\uce58\uc758 \ube44\uc728\uc744 \ub098\ud0c0\ub0c5\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \uc8fc\ud0dd \uac00\uce58\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uc8fc\ud0dd \ud3c9\uac00 \uac00\uaca9\uc774\ub098 \uad6c\ub9e4 \uac00\uaca9\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    LTV = (\ub300\ucd9c \uae08\uc561 \/ \uc8fc\ud0dd \uac00\uce58) \u00d7 100<br \/>\n   <\/span><br \/>\n<\/b>\n<\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \uc608\ub97c \ub4e4\uc5b4,<br \/>\n  <b><br \/>\n<u><br \/>\n    \uc8fc\ud0dd \uac00\uaca9\uc774 10\uc5b5 \uc6d0\uc774\uace0 \ub300\ucd9c \uae08\uc561\uc774 7\uc5b5 \uc6d0\uc774\ub77c\uba74, LTV\ub294 (7\uc5b5 \uc6d0 \/ 10\uc5b5 \uc6d0) \u00d7 100 = 70%<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n  \uac00 \ub429\ub2c8\ub2e4.<\/p>\n<p>\n<\/p>\n<h3 data-ke-size=\"size23\" style=\"padding: 0.3em 0.5em 0.3em 0.5em; margin: 0.5em 0em; color: #000000; border-left: 10px solid #5b63fb; font-weight: bold;\">\n  DTI (Debt-to-Income) \uacc4\uc0b0 \ubc29\ubc95<br \/>\n <\/h3>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  \u25cf DTI\ub294 \uc218\uc785 \ub300\ube44 \ubd80\ucc44\uc758 \ube44\uc728\uc744 \ub098\ud0c0\ub0c5\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \uc5f0\uac04 \ucd1d\uc18c\ub4dd\uacfc \uc5f0\uac04 \ucd1d\ubd80\ucc44\ub97c \uc0ac\uc6a9\ud558\uc5ec \uacc4\uc0b0\ub429\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #409d00;\"><br \/>\n    DTI = (\uc5f0\uac04 \ucd1d\ubd80\ucc44 \/ \uc5f0\uac04 \ucd1d\uc18c\ub4dd) \u00d7 100<br \/>\n   <\/span><br \/>\n<\/b>\n<\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \uc608\ub97c \ub4e4\uc5b4,<br \/>\n  <b><br \/>\n<u><br \/>\n    \uc5f0\uac04 \ucd1d\uc18c\ub4dd\uc774 1\uc5b5 \uc6d0\uc774\uace0 \uc5f0\uac04 \ucd1d\ubd80\ucc44\uac00 40\ub9cc \uc6d0\uc774\ub77c\uba74, DTI\ub294 (40\ub9cc \uc6d0 \/ 1\uc5b5 \uc6d0) \u00d7 100 = 40%<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n  \uac00 \ub429\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  LTV\ub294 \uc8fc\ud0dd \uac00\uce58 \ub300\ube44 \ub300\ucd9c \ube44\uc728\uc744 \ub098\ud0c0\ub0b4\ubbc0\ub85c, \uc900\ube44\uae08\uc774 \uc801\uc744\uc218\ub85d \ub192\uc740 LTV\ub97c \uac00\uc9d1\ub2c8\ub2e4. \ubc18\uba74\uc5d0, DTI\ub294 \uc218\uc785 \ub300\ube44 \ubd80\ucc44\ub97c \ub098\ud0c0\ub0b4\ubbc0\ub85c, \ub192\uc740 DTI\ub294 \uc7ac\uc815\uc801\uc778 \uc5ec\uc720\uac00 \ubd80\uc871\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>  \uacb0\ub860\uc801\uc73c\ub85c,<br \/>\n  <b><br \/>\n<span style=\"color: #409d00;\"><br \/>\n    LTV\uc640 DTI\ub294 \ubaa8\ub450 \uc8fc\ud0dd \uad6c\uc785 \uc2dc \uace0\ub824\ud574\uc57c \ud558\ub294 \uc911\uc694\ud55c \uc9c0\ud45c\uc785\ub2c8\ub2e4.<br \/>\n   <\/span><br \/>\n<\/b>\n<\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\" data-is-animation=\"false\" data-origin-height=\"183\" data-origin-width=\"276\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/nOjl3\/btsETRDaIvn\/ivQFVAvPiRsK7TG0TctLS0\/img.jpg\" data-widthpercent=\"32.95\" style=\"width: 32.1855%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/nOjl3\/btsETRDaIvn\/ivQFVAvPiRsK7TG0TctLS0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FnOjl3%2FbtsETRDaIvn%2FivQFVAvPiRsK7TG0TctLS0%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-is-animation=\"false\" data-origin-height=\"384\" data-origin-width=\"640\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/bIBNiz\/btsERk7p1Uz\/rqfZ32k4COah29eATQlDZk\/img.jpg\" data-widthpercent=\"36.41\" style=\"width: 35.5673%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/bIBNiz\/btsERk7p1Uz\/rqfZ32k4COah29eATQlDZk\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbIBNiz%2FbtsERk7p1Uz%2FrqfZ32k4COah29eATQlDZk%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-is-animation=\"false\" data-origin-height=\"189\" data-origin-width=\"265\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/mjk1A\/btsETSB4bXq\/9YZm7a5kajNjts76nAuKok\/img.jpg\" data-widthpercent=\"30.64\" style=\"width: 29.9217%;\"><br \/>\n<img decoding=\"async\" alt=\"DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac\" onerror=\"this.onerror=null; this.src='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png'; this.srcset='\/\/t1.daumcdn.net\/tistory_admin\/static\/images\/no-image-v1.png';\" src=\"https:\/\/blog.kakaocdn.net\/dn\/mjk1A\/btsETSB4bXq\/9YZm7a5kajNjts76nAuKok\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fmjk1A%2FbtsETSB4bXq%2F9YZm7a5kajNjts76nAuKok%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div><figcaption>\n    DSR LTV DTI\ub780 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c \uc6a9\uc5b4 \uc815\ub9ac<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p>  \ud604\uc7ac\uc758 \ub300\ucd9c \uaddc\uc81c\ub294 \uc9c0\uc5ed \ubc0f \uc2dc\uc7a5\uc5d0 \ub530\ub77c \ub2e4\uc591\ud558\uba70, \ub300\ucd9c\uc744 \uace0\ub824\ud560 \ub54c \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uaddc\uc81c\ub97c \uc774\ud574\ud558\uace0 \uc2e0\uc911\ud55c \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub300\ucd9c \ube44\uad50 \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud558\uc5ec \uc870\uac74\uc744 \ud655\uc778\ud558\uace0, \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uae30\ubcf8 \uc9c0\uc2dd\uc744 \uc2b5\ub4dd\ud558\uc5ec \uc88b\uc740 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub178\ub825\ud574\uc57c \ud569\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<p><center><\/p>\n<p data-ke-size=\"size16\">\n<div>\n<script src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7252963039043907\">\n<\/script><br \/>\n<ins class=\"adsbygoogle\" data-ad-client=\"ca-pub-7252963039043907\" data-ad-format=\"autorelaxed\" data-ad-slot=\"4721314415\" style=\"display: block;\"><br \/>\n<\/ins><br \/>\n<script>\n    (adsbygoogle = window.adsbygoogle || []).push({});\n   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