{"id":1929,"date":"2024-06-26T10:47:00","date_gmt":"2024-06-26T10:47:00","guid":{"rendered":"https:\/\/iot.miracool.co.kr\/?p=1929"},"modified":"2024-06-26T10:47:00","modified_gmt":"2024-06-26T10:47:00","slug":"%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a0-%eb%8c%80%ec%b6%9c-%ec%9e%90%ea%b2%a9%ec%a1%b0%ea%b1%b4-%ea%b8%88%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/iot.miracool.co.kr\/?p=1929","title":{"rendered":"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac"},"content":{"rendered":"<div class=\"tt_article_useless_p_margin contents_style\">\n<p data-ke-size=\"size16\">\n  2024\ub144\uc5d0\ub3c4 \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uafc8\uafb8\uc2dc\ub294 \ubd84\ub4e4\uc744 \uc704\ud55c \uc815\ubcf4\uac00 \uc5ec\uae30 \uc788\uc2b5\ub2c8\ub2e4. \uc624\ub298\uc740 2024\ub144 \ubcf4\uae08\uc790\ub9ac\ub860\uc5d0 \ub300\ud55c \ubaa8\ub4e0 \uac83\uc744 \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \uc774\ubc88<br \/>\n  <b><br \/>\n<u><br \/>\n    \ubcf4\uae08\uc790\ub9ac\ub860\uc740 \uc5b4\ub5a4 \ubcc0\ud654\uac00 \uc788\ub294\uc9c0, \ub300\ucd9c\uc790\uaca9\uc740 \uc5b4\ub5bb\uac8c \ub418\ub294\uc9c0, \uadf8\ub9ac\uace0 \uc5b4\ub5bb\uac8c \uc2e0\uccad\ud574\uc57c \ud558\ub294\uc9c0 \uc790\uc138\ud558\uac8c \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\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=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74 \uae08\ub9ac \uc2e0\uccad\ubc29\ubc95 3.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"636\" data-origin-width=\"635\">\n<span data-alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/JuY56\/btsETXp0lHc\/UPBAcdonDdTkNASKlzfwNK\/img.jpg\"><br \/>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac\" data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74 \uae08\ub9ac \uc2e0\uccad\ubc29\ubc95 3.jpg\" data-origin-height=\"636\" data-origin-width=\"635\" height=\"501\" 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\/JuY56\/btsETXp0lHc\/UPBAcdonDdTkNASKlzfwNK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FJuY56%2FbtsETXp0lHc%2FUPBAcdonDdTkNASKlzfwNK%2Fimg.jpg\" width=\"500\"\/><br \/>\n<\/span><figcaption>\n    \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74<br \/>\n   <\/figcaption><\/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  \ubcf4\uae08\uc790\ub9ac\ub860 \uac1c\uc694<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<br \/>\n<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    \ubcf4\uae08\uc790\ub9ac\ub860\uc740 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uac00 \uc6b4\uc601\ud558\ub294 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc9c0\uc6d0 \uc815\ucc45<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc785\ub2c8\ub2e4.<br \/>\n  <b><br \/>\n<u><br \/>\n    2024\ub144\uc5d0\ub294 \uc774\uc804\uacfc\ub294 \ub2ec\ub9ac \uae08\ub9ac\uac00 \uc778\ud558\ub418\uc5b4 \uc2e4\uc218\uc694\uc790 \uc911\uc2ec\uc73c\ub85c \uac1c\ud3b8\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n  \ud2b9\ud788, \uc2e0\ud63c\ubd80\ubd80, \ub2e4\uc790\ub140 \uac00\uad6c, \uadf8\ub9ac\uace0 \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790\ub97c \uc704\ud55c \ub300\ucd9c\uc790\uaca9\uc774 \uc644\ud654\ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<p><figure class=\"imageblock alignCenter\" data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74 \uae08\ub9ac \uc2e0\uccad\ubc29\ubc95 2.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"506\" data-origin-width=\"1225\">\n<span data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/bllMTl\/btsEVHGW6oD\/nWC9hDVYx8nXXqERkOKs2k\/img.jpg\"><br \/>\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac\" data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74 \uae08\ub9ac \uc2e0\uccad\ubc29\ubc95 2.jpg\" data-origin-height=\"506\" data-origin-width=\"1225\" 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\/bllMTl\/btsEVHGW6oD\/nWC9hDVYx8nXXqERkOKs2k\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbllMTl%2FbtsEVHGW6oD%2FnWC9hDVYx8nXXqERkOKs2k%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<br \/>\n  \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uc2dc\uc7a5\uae08\ub9ac\uc758 \ud558\ub77d\uc138\uc640 \ubbfc\uac04 \uae08\uc735\ud68c\uc0ac\uc758 \ub300\ucd9c \uacf5\uae09 \ud68c\ubcf5\uc744 \ubc18\uc601\ud55c \uac83\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c 2024\ub144 \ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ud1b5\ud574 \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uace0\ub824\ud558\uc2dc\ub294 \ubd84\ub4e4\uaed8\ub294 \ub354\uc6b1 \uc720\ub9ac\ud55c \ub300\ucd9c \uc870\uac74\uc774 \uc81c\uacf5\ub420 \uac83\uc73c\ub85c \uae30\ub300\ub429\ub2c8\ub2e4.<\/p>\n<p><figure class=\"imageblock alignCenter\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"362\" data-origin-width=\"1081\">\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac\" data-origin-height=\"362\" data-origin-width=\"1081\" 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\/cmIdoC\/btsES6VhEQV\/7ilTmEQfxzyqLFXfbvE7j1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FcmIdoC%2FbtsES6VhEQV%2F7ilTmEQfxzyqLFXfbvE7j1%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  \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c\uc790\uaca9 \uc870\uac74<br \/>\n <\/h2>\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac.jpg\" data-is-animation=\"false\" data-origin-height=\"195\" data-origin-width=\"347\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/coGW6W\/btsESnv501Y\/gVuytXyRm5w3qwPsTnP7c1\/img.jpg\" data-widthpercent=\"33.31\" style=\"width: 32.5335%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\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\/coGW6W\/btsESnv501Y\/gVuytXyRm5w3qwPsTnP7c1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FcoGW6W%2FbtsESnv501Y%2FgVuytXyRm5w3qwPsTnP7c1%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 2.jpg\" data-is-animation=\"false\" data-origin-height=\"195\" data-origin-width=\"346\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/bRGAaR\/btsEVhn9vzV\/q1CZLyKHKGm9MEzIjx8qhk\/img.jpg\" data-widthpercent=\"33.21\" style=\"width: 32.4397%; 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\/bRGAaR\/btsEVhn9vzV\/q1CZLyKHKGm9MEzIjx8qhk\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbRGAaR%2FbtsEVhn9vzV%2Fq1CZLyKHKGm9MEzIjx8qhk%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 1.jpg\" data-is-animation=\"false\" data-origin-height=\"194\" data-origin-width=\"347\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/KaKYK\/btsESpAFugC\/y0pCMiuwCyn01dlLx5fPN1\/img.jpg\" data-widthpercent=\"33.48\" style=\"width: 32.7012%;\"><br \/>\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\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\/KaKYK\/btsESpAFugC\/y0pCMiuwCyn01dlLx5fPN1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FKaKYK%2FbtsESpAFugC%2Fy0pCMiuwCyn01dlLx5fPN1%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div><figcaption>\n    \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p>  2024\ub144 \ubcf4\uae08\uc790\ub9ac\ub860\uc758 \ub300\ucd9c\uc790\uaca9 \uc870\uac74\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/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  \uc18c\ub4dd \uae30\uc900<br \/>\n <\/h3>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  ?<br \/>\n  <b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \uc77c\ubc18 \uac00\uad6c:<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u25cf<br \/>\n  <b><br \/>\n<u><br \/>\n    \uc5f0\uc18c\ub4dd 7\ucc9c\ub9cc\uc6d0 \uc774\ud558<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n<br \/>\n  \u25cf \uc8fc\ud0dd \uac00\uaca9 6\uc5b5\uc6d0 \uc774\ud558<\/p>\n<p>  ?<br \/>\n  <b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \uc2e0\ud63c\ubd80\ubd80:<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u25cf<br \/>\n  <b><br \/>\n<u><br \/>\n    \uc5f0\uc18c\ub4dd 8\ucc9c5\ubc31\ub9cc\uc6d0 \uc774\ud558<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n<br \/>\n  \u25cf \uc8fc\ud0dd \uac00\uaca9 6\uc5b5\uc6d0 \uc774\ud558<\/p>\n<p>  ?<br \/>\n  <b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \ub2e4\uc790\ub140\uac00\uad6c:<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u25cf 1\uc790\ub140 : \uc5f0\uc18c\ub4dd 8\ucc9c\ub9cc\uc6d0 \uc774\ud558, \uc8fc\ud0dd \uac00\uaca9 6\uc5b5\uc6d0 \uc774\ud558<br \/>\n  <br \/>\n  \u25cf 2\uc790\ub140 : \uc5f0\uc18c\ub4dd 9\ucc9c\ub9cc\uc6d0 \uc774\ud558, \uc8fc\ud0dd \uac00\uaca9 6\uc5b5\uc6d0 \uc774\ud558<br \/>\n  <br \/>\n  \u25cf 3\uc790\ub140 : \uc5f0\uc18c\ub4dd 1\uc5b5\uc6d0 \uc774\ud558, \uc8fc\ud0dd \uac00\uaca9 6\uc5b5\uc6d0 \uc774\ud558<\/p>\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  \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790<br \/>\n <\/h3>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  \u25cf \uc5f0\uc18c\ub4dd \uc81c\ud55c \uc5c6\uc74c<br \/>\n  <br \/>\n  \u25cf \uc8fc\ud0dd \uac00\uaca9 9\uc5b5\uc6d0 \uc774\ud558\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(\uc8fc\ud0dd\ub2f4\ubcf4\uac00\uce58 \ub300\ube44 \ub300\ucd9c \uac00\ub2a5 \uae08\uc561)<br \/>\n <\/h3>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  \u25cf \uc77c\ubc18\uc778\/\uc2e0\ud63c\ubd80\ubd80\/\ub2e4\uc790\ub140: 70%<br \/>\n  <br \/>\n  \u25cf<br \/>\n  <b><br \/>\n<u><br \/>\n    \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790 : 100%<br \/>\n   <\/u><br \/>\n<\/b><\/p>\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  \uc8fc\ud0dd \uc218<br \/>\n <\/h3>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #0593d3;\"><br \/>\n    \ubb34\uc8fc\ud0dd\uc790 : \ub300\ucd9c \uac00\ub2a5<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u25cf \uc77c\uc2dc\uc801 2\uc8fc\ud0dd\uc790 : \ucc98\ubd84 \uc870\uac74 \ucda9\uc871 \uc2dc \ub300\ucd9c \uac00\ub2a5\n <\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #0593d3;\"><br \/>\n    \ucc98\ubd84 \uc870\uac74 :<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u00b7 2\uc8fc\ud0dd \uc911 1\uc8fc\ud0dd\uc744 1\ub144 \uc774\ub0b4\uc5d0 \ucc98\ubd84<br \/>\n  <br \/>\n<span style=\"color: #333333; text-align: start;\"><br \/>\n   \u00b7<br \/>\n   <span><br \/>\n<\/span><br \/>\n<\/span><br \/>\n  \uc8fc\ud0dd \uad6c\uc785 \ubaa9\uc801: \uc790\uc8fc\uac70\uc6a9<\/p>\n<p>  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #0593d3;\"><br \/>\n    \ub300\ucd9c\uae08\uc561 \ud55c\ub3c4<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u00b7 \uc77c\ubc18 \uac00\uad6c \ubc0f \uc2e0\ud63c\ubd80\ubd80, 1~2\uc790\ub140 \uac00\uad6c : \ucd5c\ub300 3.6\uc5b5\uc6d0<br \/>\n  <br \/>\n  \u00b7 3\uc790\ub140 \uac00\uad6c, \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790: \ucd5c\ub300 4\uc5b5\uc6d0<\/p>\n<p><figure class=\"imageblock alignCenter\" data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74 \uae08\ub9ac \uc2e0\uccad\ubc29\ubc95 1.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"224\" data-origin-width=\"1081\">\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac\" data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74 \uae08\ub9ac \uc2e0\uccad\ubc29\ubc95 1.jpg\" data-origin-height=\"224\" data-origin-width=\"1081\" 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\/wLEYq\/btsETmXUYo2\/U7FuKGeINx9fyZ2gVdbIrK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FwLEYq%2FbtsETmXUYo2%2FU7FuKGeINx9fyZ2gVdbIrK%2Fimg.jpg\"\/><figcaption>\n    \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc2e0\uccad \ubc14\ub85c\uac00\uae30 \u27a1\ufe0f<br \/>\n   <\/figcaption><\/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  \ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9<br \/>\n <\/h2>\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 3.jpg\" data-is-animation=\"false\" data-origin-height=\"196\" data-origin-width=\"348\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/dcO7kA\/btsEVfxbsM6\/ujbOtZGBpTnpfCNq95Ueak\/img.jpg\" data-widthpercent=\"34.09\" style=\"width: 33.2966%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\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\/dcO7kA\/btsEVfxbsM6\/ujbOtZGBpTnpfCNq95Ueak\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FdcO7kA%2FbtsEVfxbsM6%2FujbOtZGBpTnpfCNq95Ueak%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 5.jpg\" data-is-animation=\"false\" data-origin-height=\"210\" data-origin-width=\"337\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/AOdt6\/btsEVjGf8YJ\/GCoOXz1Hp9JFrueyUhgatk\/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\/AOdt6\/btsEVjGf8YJ\/GCoOXz1Hp9JFrueyUhgatk\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FAOdt6%2FbtsEVjGf8YJ%2FGCoOXz1Hp9JFrueyUhgatk%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 4.jpg\" data-is-animation=\"false\" data-origin-height=\"192\" data-origin-width=\"351\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/bEpNJ1\/btsEVeZjS9j\/6ESlkgKaKY77y5nNwTROL0\/img.jpg\" data-widthpercent=\"35.1\" style=\"width: 34.2833%;\"><br \/>\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\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\/bEpNJ1\/btsEVeZjS9j\/6ESlkgKaKY77y5nNwTROL0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbEpNJ1%2FbtsEVeZjS9j%2F6ESlkgKaKY77y5nNwTROL0%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div><figcaption>\n    \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p>  \ub2e4\uc591\ud55c \uc870\uac74\uc73c\ub85c \ub098\ub258\uc5b4 \uc788\ub294 2024\ub144 \ubcf4\uae08\uc790\ub9ac\ub860\uc758 \uc2e0\uccad \uc790\uaca9\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p><figure class=\"imageblock alignCenter\" data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74 \uae08\ub9ac \uc2e0\uccad\ubc29\ubc95.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"385\" data-origin-width=\"899\">\n<span data-alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/ru5QJ\/btsEWaB6NKu\/v2PgLbOPDxi6K3T8xIKGR0\/img.jpg\"><br \/>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac\" data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74 \uae08\ub9ac \uc2e0\uccad\ubc29\ubc95.jpg\" data-origin-height=\"385\" data-origin-width=\"899\" height=\"300\" 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\/ru5QJ\/btsEWaB6NKu\/v2PgLbOPDxi6K3T8xIKGR0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fru5QJ%2FbtsEWaB6NKu%2Fv2PgLbOPDxi6K3T8xIKGR0%2Fimg.jpg\" width=\"700\"\/><br \/>\n<\/span><figcaption>\n    \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p>  \uc704 \ud45c\uc5d0\uc11c\ub294 \uac01 \uac00\uad6c \uc720\ud615\ubcc4\ub85c \uc5f0\uc18c\ub4dd \ubc0f \uc8fc\ud0dd \uac00\uaca9\uc758 \uc870\uac74\uc774 \uba85\uc2dc\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c,<br \/>\n  <b><br \/>\n<u><br \/>\n    \uc8fc\ud0dd \uc218\uc5d0 \ub530\ub77c \ub300\ucd9c \uae08\uc561 \ud55c\ub3c4\uac00 \uc870\uc815\ub418\uba70, LTV\uc640 DTI \ube44\uc728\uc5d0 \ub530\ub77c \ub300\ucd9c \uac00\ub2a5\ud55c \uae08\uc561\uc774 \uacb0\uc815<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n  \ub429\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<p><figure class=\"imageblock alignCenter\" data-filename=\"DSR, LTV, DTI\ub780.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"227\" data-origin-width=\"1080\">\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac\" data-filename=\"DSR, LTV, DTI\ub780.jpg\" data-origin-height=\"227\" data-origin-width=\"1080\" 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\/oylwI\/btsEVcf79dS\/1agCxkPxJVySS9ilNjjKvk\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FoylwI%2FbtsEVcf79dS%2F1agCxkPxJVySS9ilNjjKvk%2Fimg.jpg\"\/><br \/>\n<\/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  \ubcf4\uae08\uc790\ub9ac\ub860 \uae08\ub9ac<br \/>\n <\/h3>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  2024\ub144 \ubcf4\uae08\uc790\ub9ac\ub860\uc758 \ub300\ucd9c\uae08\ub9ac\ub294 \uc544\ub798\uc640 \uac19\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.\n <\/p>\n<h4 data-ke-size=\"size20\">\n<br \/>\n<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    1. \uae30\ubcf8 \ub300\ucd9c\uae08\ub9ac<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<\/h4>\n<p data-ke-size=\"size16\">\n  \u25cf \uc77c\ubc18 \uac00\uad6c : 4.2% ~ 4.5%\n <\/p>\n<h4 data-ke-size=\"size20\">\n<br \/>\n<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    2. \uc6b0\ub300 \ub300\ucd9c\uae08\ub9ac<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<\/h4>\n<p data-ke-size=\"size16\">\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #409d00;\"><br \/>\n    \uc2e0\ud63c\ubd80\ubd80 \ubc0f \uc2e0\uc0dd\uc544 \uac00\uad6c : 4.0% ~ 4.3% (\uc6b0\ub300\uae08\ub9ac 20bp \uc801\uc6a9)<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u25cf \uc800\uc18c\ub4dd \uccad\ub144 : 4.1% ~ 4.4% (\uc6b0\ub300\uae08\ub9ac 10bp \uc801\uc6a9)<br \/>\n  <br \/>\n  \u25cf \uc0ac\ud68c\uc801 \ubc30\ub824\uce35 (\uc7a5\uc560\uc778\/\ub2e4\uc790\ub140 \ub4f1) : 3.5% ~ 3.8% (\uc6b0\ub300\uae08\ub9ac 70bp \uc801\uc6a9)<br \/>\n  <br \/>\n  \u25cf \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790 : 3.2% ~ 3.5% (\uc6b0\ub300\uae08\ub9ac 100bp \uc801\uc6a9)\n <\/p>\n<h4 data-ke-size=\"size20\">\n<br \/>\n<span style=\"color: #006dd7;\"><br \/>\n<b><br \/>\n    3. \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uba74\uc81c<br \/>\n   <\/b><br \/>\n<\/span><br \/>\n<\/h4>\n<p data-ke-size=\"size16\">\n  \u25cf<br \/>\n  <b><br \/>\n<u><br \/>\n    \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790, \uc0ac\ud68c\uc801 \ubc30\ub824\uce35, \uc800\uc2e0\uc6a9\uc790: 2025\ub144 \ucd08\uae4c\uc9c0 \uba74\uc81c<br \/>\n   <\/u><br \/>\n<\/b><br \/>\n<br \/>\n  \u25cf \uc77c\ubc18 \uac00\uad6c : \uc2dc\uc911\uc740\ud589 \uc808\ubc18 \uc218\uc900\uc73c\ub85c \uc801\uc6a9 (0.7%)<\/p>\n<p>  \uc774\ub85c\uc368 \ubcf4\uae08\uc790\ub9ac\ub860\uc740 \ub2e4\uc591\ud55c \uc6b0\ub300 \uc870\uac74\uc5d0 \ub530\ub77c \ub300\ucd9c\uae08\ub9ac\uac00 \uacb0\uc815\ub418\uba70, \uc77c\ubd80 \ucde8\uc57d \uacc4\uce35\uc5d0\uac8c\ub294 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uba74\uc81c \ud61c\ud0dd\ub3c4 \uc81c\uacf5\ub429\ub2c8\ub2e4.<\/p>\n<p><figure class=\"imageblock alignCenter\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"356\" data-origin-width=\"1077\">\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\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\/cxv0sp\/btsEYA08rY7\/R18ai9VYlKGIPsoFiquvGk\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fcxv0sp%2FbtsEYA08rY7%2FR18ai9VYlKGIPsoFiquvGk%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  \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \ub9cc\uae30 \uc870\uac74<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<p data-ke-size=\"size16\">\n  \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \ub9cc\uae30 \uc870\uac74\uc740 \uc544\ub798\uc640 \uac19\uc2b5\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 6.jpg\" data-is-animation=\"false\" data-origin-height=\"142\" data-origin-width=\"249\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/xM6d9\/btsETRb8EfM\/TGkoPaTj6POkqLfZoMsT60\/img.jpg\" data-widthpercent=\"33.2\" style=\"width: 32.4265%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\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\/xM6d9\/btsETRb8EfM\/TGkoPaTj6POkqLfZoMsT60\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FxM6d9%2FbtsETRb8EfM%2FTGkoPaTj6POkqLfZoMsT60%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 8.jpg\" data-is-animation=\"false\" data-origin-height=\"141\" data-origin-width=\"251\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/bpdvcN\/btsESJTAmzP\/HH5UWKzswxtaQFKuVDjREK\/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\/bpdvcN\/btsESJTAmzP\/HH5UWKzswxtaQFKuVDjREK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbpdvcN%2FbtsESJTAmzP%2FHH5UWKzswxtaQFKuVDjREK%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 7.jpg\" data-is-animation=\"false\" data-origin-height=\"143\" data-origin-width=\"250\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/RGo6d\/btsESLYabTf\/9BKeDbJeWNWkHPvE5IOl71\/img.jpg\" data-widthpercent=\"33.1\" style=\"width: 32.3291%;\"><br \/>\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\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\/RGo6d\/btsESLYabTf\/9BKeDbJeWNWkHPvE5IOl71\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FRGo6d%2FbtsESLYabTf%2F9BKeDbJeWNWkHPvE5IOl71%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div><figcaption>\n    \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<h4 data-ke-size=\"size20\">\n<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    1. \ubcf4\uae08\uc790\ub9ac\ub860 \ub9cc\uae30 \uae30\uac04<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<\/h4>\n<p data-ke-size=\"size16\">\n  \ucd5c\uc18c 10\ub144\ubd80\ud130 \ucd5c\ub300 50\ub144\uae4c\uc9c0 \uc120\ud0dd \uac00\ub2a5\n <\/p>\n<h4 data-ke-size=\"size20\">\n<br \/>\n<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    2. \uc7a5\uae30 \ubaa8\uae30\uc9c0 \uc870\uac74<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<\/h4>\n<p data-ke-size=\"size16\">\n<b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \u3141 40\ub144 \ub9cc\uae30:<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u00b7 39\uc138 \uc774\ud558 \uccad\ub144\ub9cc \uc2e0\uccad \uac00\ub2a5<br \/>\n  <br \/>\n  \u00b7 \uc2e0\ud63c\ubd80\ubd80\ub294 49\uc138 \uc774\ud558\uae4c\uc9c0 \uc2e0\uccad \uac00\ub2a5\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n<b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \u3141 50\ub144 \ub9cc\uae30:<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u00b7 34\uc138 \uc774\ud558 \uccad\ub144\ub9cc \uc2e0\uccad \uac00\ub2a5<br \/>\n  <br \/>\n  \u00b7 \uc2e0\ud63c\ubd80\ubd80\ub294 39\uc138 \uc774\ud558\uae4c\uc9c0 \uc2e0\uccad \uac00\ub2a5\n <\/p>\n<h4 data-ke-size=\"size20\">\n<br \/>\n<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    3. \ub9cc\uae30 \uc124\uc815 \uc2dc \uace0\ub824 \uc0ac\ud56d<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<\/h4>\n<p data-ke-size=\"size16\">\n<b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \u3141 \uc7a5\uae30 \ubaa8\uae30\uc9c0\uc758 \uc7a5\uc810:<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u00b7 \ub9e4\ub2ec \uc0c1\ud658 \ubd80\ub2f4 \uac10\uc18c<br \/>\n  <br \/>\n  \u00b7 \ucd1d \uc774\uc790 \ubd80\ub2f4 \uac10\uc18c \uac00\ub2a5\uc131<\/p>\n<p><b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \u3141 \uc7a5\uae30 \ubaa8\uae30\uc9c0\uc758 \ub2e8\uc810:<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<br \/>\n  \u00b7 \ucd1d \ub300\ucd9c\uae08\uc561 \uc99d\uac00<br \/>\n  <br \/>\n  \u00b7 \uae08\uc735\uae30\uad00\uc5d0 \ub530\ub77c \uc7a5\uae30 \ubaa8\uae30\uc9c0 \uc0c1\ud488 \uc120\ud0dd \uc81c\ud55c<\/p>\n<p>\n<\/p>\n<p><figure class=\"imageblock alignCenter\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"289\" data-origin-width=\"809\">\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\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\/bhsOEJ\/btsESniAR5j\/EpkcY26WMDvBsm7sJ5uWt1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbhsOEJ%2FbtsESniAR5j%2FEpkcY26WMDvBsm7sJ5uWt1%2Fimg.jpg\"\/><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  \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc2e0\uccad \uae30\uac04 \ubc0f \ubc29\ubc95<br \/>\n <\/h2>\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 9.jpg\" data-is-animation=\"false\" data-origin-height=\"139\" data-origin-width=\"249\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/cmbDtk\/btsEV7k5QQS\/BhA7kQ8sOKdMh54rU3KhC0\/img.jpg\" data-widthpercent=\"35.35\" style=\"width: 34.5307%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\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\/cmbDtk\/btsEV7k5QQS\/BhA7kQ8sOKdMh54rU3KhC0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FcmbDtk%2FbtsEV7k5QQS%2FBhA7kQ8sOKdMh54rU3KhC0%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 10.jpg\" data-is-animation=\"false\" data-origin-height=\"137\" data-origin-width=\"247\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/ucLQE\/btsETmp2a6Y\/TgIXHvcK0Aal6tdUa1I6u1\/img.jpg\" data-widthpercent=\"35.58\" style=\"width: 34.7533%; 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\/ucLQE\/btsETmp2a6Y\/TgIXHvcK0Aal6tdUa1I6u1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FucLQE%2FbtsETmp2a6Y%2FTgIXHvcK0Aal6tdUa1I6u1%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac 11.jpg\" data-is-animation=\"false\" data-origin-height=\"184\" data-origin-width=\"271\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/bgG2rG\/btsESLDOH6U\/HLEvmnqghSlNkxoFXK1mC0\/img.jpg\" data-widthpercent=\"29.07\" style=\"width: 28.3904%;\"><br \/>\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\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\/bgG2rG\/btsESLDOH6U\/HLEvmnqghSlNkxoFXK1mC0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbgG2rG%2FbtsESLDOH6U%2FHLEvmnqghSlNkxoFXK1mC0%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div><figcaption>\n    \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<br \/>\n  \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc2e0\uccad \uae30\uac04 \ubc0f \uc2e0\uccad \ubc29\ubc95\uc740 \uc544\ub798\uc640 \uac19\uc2b5\ub2c8\ub2e4.<\/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  \uc2e0\uccad \uae30\uac04<br \/>\n <\/h3>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    \uc2e0\uccad \uae30\uac04 : 2024\ub144 1\uc6d4 30\uc77c (\ud654)\ubd80\ud130 \uc885\ub8cc\uc2dc\uc810\uae4c\uc9c0 (\uc57d 1\ub144\uac04)<br \/>\n   <\/span><br \/>\n<\/b>\n<\/p>\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  \uc2e0\uccad \ubc29\ubc95<br \/>\n <\/h3>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  \u25cf \uc628\ub77c\uc778 \uc2e0\uccad: \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac \ud648\ud398\uc774\uc9c0\ub97c \ud1b5\ud55c \uc628\ub77c\uc778 \uc2e0\uccad\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf<br \/>\n  <b><br \/>\n<u><br \/>\n    \ubaa8\ubc14\uc77c \uc2e0\uccad: \uc2a4\ub9c8\ud2b8\uc8fc\ud0dd\uae08\uc735 \uc571\uc744 \ud1b5\ud55c \ubaa8\ubc14\uc77c \uc2e0\uccad<br \/>\n   <\/u><br \/>\n<\/b>\n<\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \ub300\uba74 \uc2e0\uccad: SC\uc81c\uc77c\uc740\ud589, IBK\uae30\uc5c5\uc740\ud589, NH\ub18d\ud611\uc740\ud589 \ub4f1\uc758 \uc601\uc5c5\uc810\uc744 \ubc29\ubb38\ud558\uc5ec \uc2e0\uccad \uac00\ub2a5\n <\/p>\n<p data-ke-size=\"size16\">\n<br \/>\n  \ubcf4\uae08\uc790\ub9ac\ub860\uc758 \uc2e0\uccad \uae30\uac04\uc740 2024\ub144 1\uc6d4 30\uc77c\ubd80\ud130 \uc57d 1\ub144\uac04\uc774\uba70, \uc628\ub77c\uc778 \ubc0f \ubaa8\ubc14\uc77c\uc744 \ud1b5\ud55c \uc2e0\uccad \ubc29\ubc95 \uc678\uc5d0\ub3c4 \uc77c\ubd80 \uc740\ud589 \uc601\uc5c5\uc810\uc5d0\uc11c \ub300\uba74 \uc811\uc218\ub3c4 \uac00\ub2a5\ud569\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<p><figure class=\"imageblock alignCenter\" data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74 \uae08\ub9ac \uc2e0\uccad\ubc29\ubc95 1.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"224\" data-origin-width=\"1081\">\n<img decoding=\"async\" alt=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac\" data-filename=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74 \uae08\ub9ac \uc2e0\uccad\ubc29\ubc95 1.jpg\" data-origin-height=\"224\" data-origin-width=\"1081\" 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\/4l18X\/btsESq0FGNP\/lkcme0WxYoG7jUizfKMwcK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2F4l18X%2FbtsESq0FGNP%2Flkcme0WxYoG7jUizfKMwcK%2Fimg.jpg\"\/><figcaption>\n    \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \ubc14\ub85c\uac00\uae30 \u27a1\ufe0f<br \/>\n   <\/figcaption><\/figure>\n<\/p>\n<p data-ke-size=\"size16\">\n<p>  \uc774\ub807\uac8c \ub2e4\uc591\ud55c \uc815\ubcf4\ub97c \ud1b5\ud574 2024\ub144 \ubcf4\uae08\uc790\ub9ac\ub860\uc5d0 \ub300\ud55c \uc774\ud574\ub97c \ub192\uc774\uace0, \ubcf4\ub2e4 \uc27d\uace0 \ud3b8\ub9ac\ud558\uac8c \ub300\ucd9c\uc744 \ubc1b\uc544\ubcf4\uc138\uc694. \uc9d1 \ub9c8\ub828\uc5d0 \ub300\ud55c \uafc8\uc744 \uc774\ub8e8\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. \ud568\uaed8 \ud574\uc8fc\uc154\uc11c \uac10\uc0ac\ud569\ub2c8\ub2e4!\n <\/p>\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<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   <\/script>\n<\/div>\n<p><\/center><\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n  \u25bc \ud568\uaed8 \ubcf4\uba74 \uc88b\uc740 \uae00 \u25bc\n <\/p>\n<p data-ke-size=\"size16\">\n<p>   \uc2e0\uc0dd\uc544 \ud2b9\ub840 \ub300\ucd9c vs \uae30\uc874 \ub300\ucd9c \uc870\uac74 : \ucd5c\uc800 1%\ub300 \uae08\ub9ac \uc0b4\ud3b4\ubcf4\uae30<\/p>\n<figure contenteditable=\"false\" data-ke-align=\"alignCenter\" data-ke-type=\"opengraph\" data-og-description=\"2024\ub144\uc5d0 \uc2dc\ud589 \uc608\uc815\uc778 \uc2e0\uc0dd\uc544 \ud2b9\ub840\ub300\ucd9c\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uace0, \uae30\uc874 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\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \uc5b4\ub5a4 \ubcc0\ud654\uac00 \uc788\ub294\uc9c0, \ub300\ucd9c\uc790\uaca9\uc740 \uc5b4\ub5bb\uac8c \ub418\ub294\uc9c0, \uadf8\ub9ac\uace0 \uc5b4\ub5bb\uac8c \uc2e0\uccad\ud574\uc57c \ud558\ub294\uc9c0 \uc790\uc138\ud558\uac8c \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4. \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \ubcf4\uae08\uc790\ub9ac\ub860 \uac1c\uc694 \ubcf4\uae08\uc790\ub9ac\ub860\uc740 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uac00 \uc6b4\uc601\ud558\ub294 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc9c0\uc6d0 \uc815\ucc45 \uc785\ub2c8\ub2e4. 2024\ub144\uc5d0\ub294 \uc774\uc804\uacfc\ub294 \ub2ec\ub9ac \uae08\ub9ac\uac00 \uc778\ud558\ub418\uc5b4 \uc2e4\uc218\uc694\uc790 \uc911\uc2ec\uc73c\ub85c \uac1c\ud3b8\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc2e0\ud63c\ubd80\ubd80, \ub2e4\uc790\ub140 \uac00\uad6c, &#8230; <a title=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c 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