{"id":2580,"date":"2024-06-26T12:27:47","date_gmt":"2024-06-26T12:27:47","guid":{"rendered":"https:\/\/iot.miracool.co.kr\/?p=2580"},"modified":"2024-06-26T12:27:47","modified_gmt":"2024-06-26T12:27:47","slug":"%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a0-%ec%8b%a0%ec%b2%ad%ec%9e%90%ea%b2%a9-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95","status":"publish","type":"post","link":"https:\/\/iot.miracool.co.kr\/?p=2580","title":{"rendered":"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95"},"content":{"rendered":"<div class=\"tt_article_useless_p_margin contents_style\">\n<p data-ke-size=\"size16\">\n<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc5d0 \uad00\uc2ec\uc774 \uc788\uc73c\uc2e0\uac00\uc694? \uc2dc\uc911\uc740\ud589\ubcf4\ub2e4 \ub0ae\uc740 \uae08\ub9ac\ub85c \uc8fc\ubaa9\ubc1b\uace0 \uc788\ub294 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc0c1\ud488\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694. \uc774\ubc88 \ud3ec\uc2a4\ud305\uc5d0\uc11c\ub294<br \/>\n  <b><br \/>\n<u><br \/>\n    \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc758 \uc815\uc758\ubd80\ud130 \uc2e0\uccad\uc790\uaca9, \uc2e0\uccad\ubc29\ubc95\uae4c\uc9c0 \ubaa8\ub4e0 \uc815\ubcf4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<br \/>\n   <\/u><br \/>\n<\/b>\n<\/p>\n<p data-ke-size=\"size16\">\n<p><figure class=\"imageblock alignCenter\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95 4.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"628\" data-origin-width=\"638\">\n<span data-alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/UggwO\/btsH4GFMIA5\/B6brKLTFksIixVKbirJWS1\/img.jpg\"><br \/>\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95 4.jpg\" data-origin-height=\"628\" data-origin-width=\"638\" 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\/UggwO\/btsH4GFMIA5\/B6brKLTFksIixVKbirJWS1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FUggwO%2FbtsH4GFMIA5%2FB6brKLTFksIixVKbirJWS1%2Fimg.jpg\"\/><br \/>\n<\/span><figcaption>\n    \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9<br \/>\n   <\/figcaption><\/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  \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc774\ub780?<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<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \uc815\ubd80\uac00 \ub9c8\ub828\ud55c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc0c1\ud488<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc73c\ub85c,<br \/>\n  <b><br \/>\n<span style=\"color: #409d00;\"><br \/>\n    \uc2dc\uc911\uc740\ud589 \ub300\ucd9c\ubcf4\ub2e4 \ub0ae\uc740 \uae08\ub9ac\ub85c \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uc9c0\uc6d0<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ud569\ub2c8\ub2e4. \uc774 \ub300\ucd9c\uc740 \ucd5c\ub300 5\uc5b5 \uc6d0\uae4c\uc9c0 \uc9c0\uc6d0\ud558\uba70, \ub2e4\uc591\ud55c \uc870\uac74\uc5d0 \ub530\ub77c \ub300\ucd9c \ud55c\ub3c4\uc640 \uae08\ub9ac\uac00 \uacb0\uc815\ub429\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95.jpg\" data-is-animation=\"false\" data-origin-height=\"287\" data-origin-width=\"455\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/dtLxW4\/btsH4XN2rHQ\/yL6f3x24g3z4Fd1kDlsWl1\/img.jpg\" data-widthpercent=\"32.61\" style=\"width: 31.8491%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" 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\/dtLxW4\/btsH4XN2rHQ\/yL6f3x24g3z4Fd1kDlsWl1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FdtLxW4%2FbtsH4XN2rHQ%2FyL6f3x24g3z4Fd1kDlsWl1%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc9510.jpg\" data-is-animation=\"false\" data-origin-height=\"427\" data-origin-width=\"640\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/uKyiF\/btsH6xUFCwE\/RaYKLsUW3Z3AEAKF2sEroK\/img.jpg\" data-widthpercent=\"30.83\" style=\"width: 30.1107%; 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\/uKyiF\/btsH6xUFCwE\/RaYKLsUW3Z3AEAKF2sEroK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FuKyiF%2FbtsH6xUFCwE%2FRaYKLsUW3Z3AEAKF2sEroK%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc951.jpg\" data-is-animation=\"false\" data-origin-height=\"360\" data-origin-width=\"640\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/cNdtf7\/btsH6iDpOVh\/jeS1QkLw7NpNbWXWDPeEM0\/img.jpg\" data-widthpercent=\"36.56\" style=\"width: 35.7146%;\"><br \/>\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" 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\/cNdtf7\/btsH6iDpOVh\/jeS1QkLw7NpNbWXWDPeEM0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FcNdtf7%2FbtsH6iDpOVh%2FjeS1QkLw7NpNbWXWDPeEM0%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div>\n<\/figure>\n<h4 data-ke-size=\"size20\">\n<br \/>\n<b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \u3141 \ub300\ucd9c \uad6c\uc870 \ubc0f \uc870\uac74<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<\/h4>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #409d00;\"><br \/>\n    LTV (Loan to Value): \uc544\ud30c\ud2b8\uc758 \uacbd\uc6b0 \ucd5c\ub300 70%, \uae30\ud0c0\uc8fc\ud0dd\uc740 65% \uc774\ub0b4\ub85c \ub300\ucd9c \uac00\ub2a5<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ud569\ub2c8\ub2e4. \ub2e8, \uc870\uc815\uc9c0\uc5ed\uc5d0 \uc704\uce58\ud558\uac70\ub098 \ud2b9\uc815 \uc2e0\uc6a9\ud3c9\uc810(CB, MSS) \uc870\uac74\uc5d0 \ub530\ub77c \ucd5c\ub300 10% \ucc28\uac10\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #ef6f53;\"><br \/>\n    DTI (Debt to Income): \ucd5c\ub300 60%\uae4c\uc9c0 \ub300\ucd9c\uc774 \uac00\ub2a5\ud558\uba70, \uc870\uc815\uc9c0\uc5ed\uc5d0 \ub530\ub77c 10%\uc758 \ucc28\uac10\uc774 \uc801\uc6a9<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ub429\ub2c8\ub2e4. DTI\ub294 \uc5f0\uac04 \uc18c\ub4dd \ub300\ube44 \ub300\ucd9c \uc6d0\ub9ac\uae08 \uc0c1\ud658 \ube44\uc728\uc744 \ub098\ud0c0\ub0b4\uba70, \uc774\ub294 \ub300\ucd9c \uc2e0\uccad\uc790\uc758 \uae08\uc735 \uac74\uac15 \uc0c1\ud0dc\ub97c \ud3c9\uac00\ud558\ub294 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n<p>  \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uacc4\ud68d\ud558\uace0 \uc788\ub294 \uac1c\uc778\uacfc \uac00\uad6c\ub4e4\uc5d0\uac8c \ub354 \ub098\uc740 \uae08\uc735 \uc870\uac74\uc744 \uc81c\uacf5\ud558\uc5ec, \uc548\uc815\uc801\uc778 \uc8fc\uac70 \ud658\uacbd\uc744 \uc870\uc131\ud558\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4.<\/p>\n<p><figure class=\"imageblock alignCenter\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95 3.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"194\" data-origin-width=\"1081\">\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95 3.jpg\" data-origin-height=\"194\" 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\/c3Tw71\/btsH41v6PTh\/jKVPTmHxQbmbx7koFjZf31\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fc3Tw71%2FbtsH41v6PTh%2FjKVPTmHxQbmbx7koFjZf31%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  \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad \uc790\uaca9<br \/>\n <\/h2>\n<p data-ke-size=\"size16\">\n<br \/>\n<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc2e0\uccad\ud558\uae30 \uc704\ud55c \uc8fc\uc694 \uc790\uaca9 \uc694\uac74<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc740 \ub2e4\uc74c\uacfc \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=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc952.jpg\" data-is-animation=\"false\" data-origin-height=\"320\" data-origin-width=\"462\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/bumqmr\/btsH50wgWhR\/XamPCc0eH0fSi5Tc0g2Os1\/img.jpg\" data-widthpercent=\"36.7\" style=\"width: 35.8433%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" 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\/bumqmr\/btsH50wgWhR\/XamPCc0eH0fSi5Tc0g2Os1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fbumqmr%2FbtsH50wgWhR%2FXamPCc0eH0fSi5Tc0g2Os1%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc954.jpg\" data-is-animation=\"false\" data-origin-height=\"241\" data-origin-width=\"239\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/ccRVWy\/btsH6hdrNZo\/BRz3dHPoEhFajLp2g3z0XK\/img.jpg\" data-widthpercent=\"25.21\" style=\"width: 24.6205%; 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\/ccRVWy\/btsH6hdrNZo\/BRz3dHPoEhFajLp2g3z0XK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FccRVWy%2FbtsH6hdrNZo%2FBRz3dHPoEhFajLp2g3z0XK%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc953.jpg\" data-is-animation=\"false\" data-origin-height=\"427\" data-origin-width=\"640\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/dfkfU8\/btsH5MrtKP9\/6iRJ3D4DtFzKz7cFKHsAJ0\/img.jpg\" data-widthpercent=\"38.09\" style=\"width: 37.2107%;\"><br \/>\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" 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\/dfkfU8\/btsH5MrtKP9\/6iRJ3D4DtFzKz7cFKHsAJ0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FdfkfU8%2FbtsH5MrtKP9%2F6iRJ3D4DtFzKz7cFKHsAJ0%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div>\n<\/figure>\n<p data-ke-size=\"size16\">\n<p>  1. \uc131\ub144 \ubc0f \uad6d\uc801: \ubbfc\ubc95\uc0c1 \uc131\ub144\uc774\uc5b4\uc57c \ud558\uba70,<br \/>\n  <b><br \/>\n<span style=\"color: #409d00;\"><br \/>\n    \ub300\ud55c\ubbfc\uad6d \uad6d\uc801\uc744 \ubcf4\uc720<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>  2. \uc2e0\uc6a9\ud3c9\uac00 \uae30\uc900 \ucda9\uc871: \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uc758<br \/>\n  <b><br \/>\n<span style=\"color: #ef6f53;\"><br \/>\n    \uc2e0\uc6a9\ud3c9\uac00 \uae30\uc900\uc5d0 \ub530\ub77c CB\uc810\uc218\uac00 271\uc810 \uc774\uc0c1<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc774\uc5b4\uc57c \ud569\ub2c8\ub2e4. CB\uc810\uc218\ub294 \uac1c\uc778\uc758 \uc2e0\uc6a9 \ud3c9\uac00 \uacb0\uacfc\ub97c \ub098\ud0c0\ub0b4\ub294 \uc911\uc694\ud55c \uc9c0\ud45c\uc785\ub2c8\ub2e4.<\/p>\n<p>  3. \uc8fc\ud0dd \uac00\uaca9 \uc81c\ud55c:<br \/>\n  <b><br \/>\n<span style=\"color: #8a3db6;\"><br \/>\n    \ub300\ucd9c \ub300\uc0c1 \uc8fc\ud0dd\uc758 \uac00\uaca9\uc740 9\uc5b5 \uc6d0 \uc774\ud558<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc5ec\uc57c \ud569\ub2c8\ub2e4. \uc774 \uc870\uac74\uc740 \ub300\ucd9c \ud55c\ub3c4\ub97c \uacb0\uc815\ud558\ub294 \uc911\uc694\ud55c \uc694\uc18c \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.<\/p>\n<p>  4. \uc8fc\ud0dd \ubcf4\uc720 \uc0c1\ud0dc: \ub300\ucd9c \uc2e0\uccad\uc778\uacfc \ubc30\uc6b0\uc790\uc758 \uc8fc\ud0dd \ubcf4\uc720 \uc218\uac00<br \/>\n  <b><br \/>\n<span style=\"color: #ee2323;\"><br \/>\n    \ubb34\uc8fc\ud0dd\uc774\uac70\ub098 \ucd5c\ub300 1\uc8fc\ud0dd\uae4c\uc9c0\ub9cc \uac00\ub2a5<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ud569\ub2c8\ub2e4. \uc774\ub294 \ubcf4\ub2e4 \ub9ce\uc740 \uc774\ub4e4\uc774 \uc8fc\ud0dd \uad6c\uc785\uc744 \uc704\ud55c \uc9c0\uc6d0\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/p>\n<p>  5.<br \/>\n  <b><br \/>\n<span style=\"color: #0593d3;\"><br \/>\n    \uc18c\ub4dd \uc81c\ud55c \uc5c6\uc74c<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  : \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad \uc2dc \uc18c\ub4dd \uc0c1\ud55c\uc740 \uc5c6\uc73c\ub098, 2023\ub144 9\uc6d4 27\uc77c \uc774\ud6c4 \uc2e0\uccad\uc790\uc758 \uacbd\uc6b0 \ubd80\ubd80\ud569\uc0b0 \uc5f0\uc18c\ub4dd\uc774 1\uc5b5 \uc6d0 \uc774\ud558\uc5ec\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c, \ud574\ub2f9 \ub0a0\uc9dc \uc774\ud6c4 \ubc30\uc6b0\uc790\uc758 \uc18c\ub4dd \uc99d\ube59\uc774 \ud544\uc218\uc801\uc73c\ub85c \uc694\uad6c\ub429\ub2c8\ub2e4.<\/p>\n<p>  \uc774\ub7ec\ud55c \uc790\uaca9 \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \uacbd\uc6b0, \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc2e0\uccad\ud558\uc5ec \ub354 \uc720\ub9ac\ud55c \uc870\uac74\uc73c\ub85c \uc8fc\ud0dd \uad6c\ub9e4\ub97c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><figure class=\"imageblock alignCenter\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"165\" data-origin-width=\"1078\">\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95.jpg\" data-origin-height=\"165\" data-origin-width=\"1078\" 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\/bc9RZr\/btsH6vJjDW5\/GDlI9EwvcIaRmRqSWsUnh0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fbc9RZr%2FbtsH6vJjDW5%2FGDlI9EwvcIaRmRqSWsUnh0%2Fimg.jpg\"\/><figcaption>\n    \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \ud655\uc778 \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  \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \ud55c\ub3c4 \ubc0f \uae08\ub9ac<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<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc758 \ub300\ucd9c \ud55c\ub3c4\uc640 \uae08\ub9ac<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc5d0 \ub300\ud55c \uc911\uc694\ud55c \uc815\ubcf4\ub294 \ub2e4\uc74c\uacfc \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=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc955.jpg\" data-is-animation=\"false\" data-origin-height=\"238\" data-origin-width=\"353\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/btyTZq\/btsH5vwLi56\/4kkofDWtkkSOksYstezRiK\/img.jpg\" data-widthpercent=\"34.36\" style=\"width: 33.5653%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" 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\/btyTZq\/btsH5vwLi56\/4kkofDWtkkSOksYstezRiK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbtyTZq%2FbtsH5vwLi56%2F4kkofDWtkkSOksYstezRiK%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc957.jpg\" data-is-animation=\"false\" data-origin-height=\"232\" data-origin-width=\"318\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/yQYff\/btsH6i4vn3Z\/rKeklAehEMWnFIUzrq4Zn0\/img.jpg\" data-widthpercent=\"31.76\" style=\"width: 31.0193%; 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\/yQYff\/btsH6i4vn3Z\/rKeklAehEMWnFIUzrq4Zn0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FyQYff%2FbtsH6i4vn3Z%2FrKeklAehEMWnFIUzrq4Zn0%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc956.jpg\" data-is-animation=\"false\" data-origin-height=\"238\" data-origin-width=\"348\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/F4c1F\/btsH6wIezLT\/m9MwNeGHHk4aImQIIm62E1\/img.jpg\" data-widthpercent=\"33.88\" style=\"width: 33.0899%;\"><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\/F4c1F\/btsH6wIezLT\/m9MwNeGHHk4aImQIIm62E1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FF4c1F%2FbtsH6wIezLT%2Fm9MwNeGHHk4aImQIIm62E1%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div>\n<\/figure>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    \ub300\ucd9c \ud55c\ub3c4: \ucd5c\ub300 5\uc5b5 \uc6d0\uae4c\uc9c0 \ub300\ucd9c \uac00\ub2a5<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ud569\ub2c8\ub2e4. \uc774\ub294 \uc8fc\ud0dd \uad6c\ub9e4\ub098 \ub9ac\ubaa8\ub378\ub9c1 \ub4f1\uc5d0 \ud544\uc694\ud55c \uc790\uae08\uc744 \ucda9\ubd84\ud788 \uc9c0\uc6d0\ubc1b\uc744 \uc218 \uc788\ub294 \uae08\uc561\uc785\ub2c8\ub2e4.<\/p>\n<p>  \u25cf \uae30\ubcf8 \uae08\ub9ac:<br \/>\n  <b><br \/>\n<span style=\"color: #409d00;\"><br \/>\n    \ub300\ucd9c \uae08\ub9ac\ub294 \uc77c\ubc18\uc801\uc73c\ub85c 4.40%\uc5d0\uc11c 4.70% \uc0ac\uc774<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc785\ub2c8\ub2e4. \uc774\ub294 \uc2dc\uc911\uc740\ud589 \ub300\ucd9c\ubcf4\ub2e4 \ub0ae\uc740 \uae08\ub9ac\ub85c, \uacbd\uc81c\uc801 \ubd80\ub2f4\uc744 \ub35c \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<h4 data-ke-size=\"size20\">\n<br \/>\n<b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \u3141 \uc6b0\ub300 \uae08\ub9ac \uc870\uac74<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<\/h4>\n<p data-ke-size=\"size16\">\n<br \/>\n  \u25cf \uc0ac\ud68c\uc801 \ubc30\ub824\uce35: \uc0ac\ud68c\uc801 \ubc30\ub824\uce35\uc5d0 \ud574\ub2f9\ud558\ub294 \uacbd\uc6b0 \uac01<br \/>\n  <b><br \/>\n<span style=\"color: #ee2323;\"><br \/>\n    \ud56d\ubaa9\ubcc4\ub85c \ucd5c\ub300 0.4%\uc758 \uae08\ub9ac \uc6b0\ub300\uac00 \uc801\uc6a9<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c\uc801 \ubc30\ub824\uce35\uc73c\ub85c \uc778\uc815\ubc1b\ub294 \uc870\uac74\uc740 \ud55c\ubd80\ubaa8\uac00\uad6c, \uc7a5\uc560\uc778 \uac00\uad6c, \ub2e4\ubb38\ud654 \uac00\uad6c, \ub2e4\uc790\ub140 \uac00\uad6c \ub4f1\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n<p>  \u25cf<br \/>\n  <b><br \/>\n<span style=\"color: #6164c6;\"><br \/>\n    \uc2e0\ud63c \uac00\uad6c<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  : \uc2e0\ud63c \uac00\uad6c\uc77c \uacbd\uc6b0\uc5d0\ub294 \ucd94\uac00\uc801\uc73c\ub85c<br \/>\n  <b><br \/>\n<span style=\"color: #ef6f53;\"><br \/>\n    0.2%\uc758 \uae08\ub9ac \uc6b0\ub300\uac00 \uc801\uc6a9<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ub429\ub2c8\ub2e4. \uc774\ub294 \uccad\ub144\ub4e4\uc774 \uc548\uc815\uc801\uc778 \uc8fc\uac70 \ud658\uacbd\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\ub294 \uc815\ucc45\uc785\ub2c8\ub2e4.<\/p>\n<p>  \u25cf \ud22c\uae30\uc9c0\uc5ed \ub2f4\ubcf4: \ud22c\uae30\uc9c0\uc5ed\uc758 \ub2f4\ubcf4\ubb3c\uc744 \uac00\uc9c4 \uacbd\uc6b0, 0.1%\uc758 \uae08\ub9ac \uac00\uc0b0\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc774\ub294 \ud22c\uae30\ub97c \uc5b5\uc81c\ud558\uace0 \uc9c0\uc5ed\uc758 \uc8fc\ud0dd \uc2dc\uc7a5\uc744 \uc548\uc815\uc2dc\ud0a4\uae30 \uc704\ud55c \uc870\uce58\uc785\ub2c8\ub2e4.<\/p>\n<p>  \uc774\uc640 \uac19\uc740 \uc870\uac74\ub4e4\uc740 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ud1b5\ud574 \ub2e4\uc591\ud55c \uacbd\uc81c\uc801 \uc0c1\ud669\uacfc \ud544\uc694\uc5d0 \ub9de\ucdb0 \ucd5c\uc801\uc758 \ub300\ucd9c \uc870\uac74\uc744 \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \ub354 \ub9ce\uc740 \uc774\ub4e4\uc774 \uc8fc\ud0dd \uad6c\ub9e4\ub97c \ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n<p><figure class=\"imageblock alignCenter\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95 2.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"182\" data-origin-width=\"1077\">\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95 2.jpg\" data-origin-height=\"182\" 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\/c0L0Gb\/btsH6BismH7\/Ch5wjzLWoPkiuuqMIPpGO0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fc0L0Gb%2FbtsH6BismH7%2FCh5wjzLWoPkiuuqMIPpGO0%2Fimg.jpg\"\/><figcaption>\n    \ubcf4\uae08\uc790\ub9ac\ub860 \uc790\uaca9\ub300\uc0c1 \ud655\uc778\ud558\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  \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad \ubc29\ubc95<br \/>\n <\/h2>\n<p data-ke-size=\"size16\">\n<br \/>\n<b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc2e0\uccad\ud558\ub294 \ubc29\ubc95<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc5d0\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uc808\ucc28\uac00 \uc788\uc2b5\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc958.jpg\" data-is-animation=\"false\" data-origin-height=\"427\" data-origin-width=\"640\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/T0lrt\/btsH6fzUX4J\/xS2oNGQeBZOkX0KkbAael1\/img.jpg\" data-widthpercent=\"31.31\" style=\"width: 30.5866%; margin-right: 10px;\"><br \/>\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" 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\/T0lrt\/btsH6fzUX4J\/xS2oNGQeBZOkX0KkbAael1\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FT0lrt%2FbtsH6fzUX4J%2FxS2oNGQeBZOkX0KkbAael1%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc9510.jpg\" data-is-animation=\"false\" data-origin-height=\"427\" data-origin-width=\"640\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/b8GuL8\/btsH6vCxDhx\/eQNk1py1ClB62zQi1kiBjK\/img.jpg\" data-widthpercent=\"31.31\" style=\"width: 30.5866%; 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\/b8GuL8\/btsH6vCxDhx\/eQNk1py1ClB62zQi1kiBjK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fb8GuL8%2FbtsH6vCxDhx%2FeQNk1py1ClB62zQi1kiBjK%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc959.jpg\" data-is-animation=\"false\" data-origin-height=\"194\" data-origin-width=\"347\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/xlEt8\/btsH5eIN2qw\/38UZJzXBqFpYaFjIX8CB61\/img.jpg\" data-widthpercent=\"37.38\" style=\"width: 36.5012%;\"><br \/>\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" 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\/xlEt8\/btsH5eIN2qw\/38UZJzXBqFpYaFjIX8CB61\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FxlEt8%2FbtsH5eIN2qw%2F38UZJzXBqFpYaFjIX8CB61%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div>\n<\/figure>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<h4 data-ke-size=\"size20\">\n<br \/>\n<b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \u3141 \ube44\ub300\uba74 \uc2e0\uccad \uc635\uc158<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<\/h4>\n<p data-ke-size=\"size16\">\n  \u25cf u-\ubcf4\uae08\uc790\ub9ac\ub860, \uc544\ub08ce-\ubcf4\uae08\uc790\ub9ac\ub860, t-\ubcf4\uae08\uc790\ub9ac\ub860 \uc120\ud0dd: \uc544\ub08ce-\ubcf4\uae08\uc790\ub9ac\ub860\uacfc t-\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc120\ud0dd\ud558\uba74 0.1%\uc758 \uc6b0\ub300\uae08\ub9ac\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p>  \u25cf \uc628\ub77c\uc778 \uc2e0\uccad: \uc2e0\uccad\uc790 \uc815\ubcf4\uc81c\uacf5 \ub3d9\uc758 \ud6c4 \uc2e0\uccad\uc815\ubcf4\ub97c \uc628\ub77c\uc778\uc73c\ub85c \uc785\ub825\ud569\ub2c8\ub2e4.<\/p>\n<p>  \u25cf<br \/>\n  <span style=\"color: #006dd7;\"><br \/>\n<b><br \/>\n    \uc2a4\ub9c8\ud2b8\uc8fc\ud0dd\uae08\uc735 \uc571: \uc571\uc744 \uc124\uce58\ud558\uace0 \ub85c\uadf8\uc778\ud55c \ud6c4 \ud544\uc694\ud55c \uc815\ubcf4\ub97c \uc785\ub825\ud558\uace0 \uc2e0\uccad\uc744 \uc644\ub8cc<br \/>\n   <\/b><br \/>\n<\/span><br \/>\n  \ud569\ub2c8\ub2e4.<\/p>\n<p>  \u25cf \uc11c\ub958 \uc81c\ucd9c: \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8, \uc815\ubd8024, \ud648\ud0dd\uc2a4 \ub4f1\uc5d0 \uc778\uc99d\uc11c\ub97c \ub4f1\ub85d\ud558\uace0 \uc2a4\ud06c\ub798\ud551 \uc11c\ube44\uc2a4\uc5d0 \ub3d9\uc758\ud569\ub2c8\ub2e4.\n <\/p>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\" style=\"text-align: center;\">\n<button style=\"height: 80px; padding: 0px 35px; background-color: #86e57f; font-size: 30px; font-weight: bold; color: white; border: 0; border-radius: 35px; text-decoration: none; margin: auto;\" type=\"button\"><br \/>\n    \u25b6\ufe0f \uc2a4\ub9c8\ud2b8\uc8fc\ud0dd\uae08\uc735 \uc571 \ub2e4\uc6b4\ub85c\ub4dc \u27a1\ufe0f<br \/>\n   <\/button>\n<\/p>\n<h4 data-ke-size=\"size20\">\n<br \/>\n<b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \u3141 \uc740\ud589 \ubc29\ubb38 \uc2e0\uccad<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n<\/h4>\n<p data-ke-size=\"size16\">\n  1. \ucde8\uae09 \uc740\ud589 \ubc29\ubb38:<br \/>\n  <b><br \/>\n<span style=\"color: #409d00;\"><br \/>\n    \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ucde8\uae09\ud558\ub294 \uc740\ud589\uc744 \ubc29\ubb38<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ud569\ub2c8\ub2e4.<br \/>\n  <br \/>\n  2. \uc2e0\uccad\uc11c \uc791\uc131 \ubc0f \uc81c\ucd9c: \uc740\ud589\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc2e0\uccad\uc11c\ub97c \uc791\uc131\ud558\uace0 \ud544\uc694\ud55c \uc11c\ub958\ub97c \uc81c\ucd9c\ud569\ub2c8\ub2e4.<\/p>\n<p>  \uc774\uc640 \uac19\uc740 \uc2e0\uccad \uc808\ucc28\ub97c \ud1b5\ud574 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ube44\uad50\uc801 \uac04\ud3b8\ud558\uac8c \uc2e0\uccad\ud560 \uc218 \uc788\uc73c\uba70, \uc628\ub77c\uc778 \ubc0f \ube44\ub300\uba74 \ubc29\uc2dd\uc73c\ub85c \uc2e0\uc18d\ud558\uac8c \ucc98\ub9ac\ub429\ub2c8\ub2e4.<\/p>\n<p><figure class=\"imageblock alignCenter\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95 1.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"201\" data-origin-width=\"1077\">\n<img decoding=\"async\" alt=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95 1.jpg\" data-origin-height=\"201\" 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\/d3AdB1\/btsH4Zd1fN9\/E412tmwYN3BdBYvnRnI8S0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2Fd3AdB1%2FbtsH4Zd1fN9%2FE412tmwYN3BdBYvnRnI8S0%2Fimg.jpg\"\/><figcaption>\n    \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\ud558\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  \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad \uc2dc \uc8fc\uc758 \uc0ac\ud56d<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  \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc2e0\uccad\ud560 \ub54c \uc8fc\uc758\ud560 \uc0ac\ud56d\uc740 \ub2e4\uc74c\uacfc \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=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc9511.jpg\" data-is-animation=\"false\" data-origin-height=\"195\" data-origin-width=\"347\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/kSH4Y\/btsH5gmkkb4\/xUKVIkkgdTwaliduWwYao0\/img.jpg\" data-widthpercent=\"33.19\" style=\"width: 32.4172%; 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\/kSH4Y\/btsH5gmkkb4\/xUKVIkkgdTwaliduWwYao0\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FkSH4Y%2FbtsH5gmkkb4%2FxUKVIkkgdTwaliduWwYao0%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc9512.jpg\" data-is-animation=\"false\" data-origin-height=\"139\" data-origin-width=\"249\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/blRpOb\/btsH6yTzocI\/mrnx3I2VusSC2kueJXjrGk\/img.jpg\" data-widthpercent=\"33.41\" style=\"width: 32.6336%; 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\/blRpOb\/btsH6yTzocI\/mrnx3I2VusSC2kueJXjrGk\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FblRpOb%2FbtsH6yTzocI%2Fmrnx3I2VusSC2kueJXjrGk%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc9513.jpg\" data-is-animation=\"false\" data-origin-height=\"196\" data-origin-width=\"351\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/chI08d\/btsH5wCrkZf\/u1vCh80YUEnjZ5gfn3hLgK\/img.jpg\" data-widthpercent=\"33.4\" style=\"width: 32.6236%;\"><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\/chI08d\/btsH5wCrkZf\/u1vCh80YUEnjZ5gfn3hLgK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FchI08d%2FbtsH5wCrkZf%2Fu1vCh80YUEnjZ5gfn3hLgK%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div>\n<\/figure>\n<p data-ke-size=\"size16\">\n<p data-ke-size=\"size16\">\n<br \/>\n  1.<br \/>\n  <b><br \/>\n<span style=\"color: #006dd7;\"><br \/>\n    \uc2e0\uc6a9 \uc810\uc218: \uc2e0\uccad \uc2dc CB\uc810\uc218\uac00 271\uc810 \uc774\uc0c1<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \uc774\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>  2. \ub300\ucd9c \ud55c\ub3c4: \uc8fc\ud0dd \uac00\uaca9, LTV(LTV Ratio), DTI(Debt to Income) \ube44\uc728\uc5d0 \ub530\ub77c \ub300\ucd9c \ud55c\ub3c4\uac00 \uacb0\uc815\ub429\ub2c8\ub2e4.<\/p>\n<p>  3. \uae08\ub9ac \uc870\uac74: \uc0ac\ud68c\uc801 \ubc30\ub824\uce35 \uc5ec\ubd80, \uc2e0\ud63c \uac00\uad6c \uc5ec\ubd80, \ud22c\uae30 \uc9c0\uc5ed \uc5ec\ubd80\uc5d0 \ub530\ub77c \uae30\ubcf8 \uae08\ub9ac\uc5d0 \uc6b0\ub300 \ud61c\ud0dd\uc774\ub098 \uac00\uc0b0\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p>  4. \uc2e0\uccad \uc11c\ub958: \uc8fc\ubbfc\ub4f1\ub85d\uc99d, \uc18c\ub4dd \uc99d\ube59 \uc11c\ub958, \uc8fc\ud0dd \ub4f1\uae30 \ub4f1 \ud544\uc694\ud55c \uc11c\ub958\ub97c \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>  5. \uc6b4\uc601 \uae30\uac04: \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 1\ub144\uac04 \ud55c\uc815 \uc6b4\uc601\ub418\uba70,<br \/>\n  <b><br \/>\n<span style=\"color: #ee2323;\"><br \/>\n    2024\ub144 \ub9d0\uae4c\uc9c0 \uc2e0\uccad<br \/>\n   <\/span><br \/>\n<\/b><br \/>\n  \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>  6. \uc870\uac74 \ubcc0\ub3d9 \uac00\ub2a5\uc131: \uc2e0\uccad \uc790\uaca9 \ubc0f \uc870\uac74\uc740 \ubcc0\ub3d9\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc2e0\uccad \uc804\uc5d0 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac \uacf5\uc2dd \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ucd5c\uc2e0 \uc815\ubcf4\ub97c \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>  \uc704 \uc0ac\ud56d\ub4e4\uc744 \uc219\uc9c0\ud558\uace0 \uc2e0\uccad \uc808\ucc28\ub97c \uc9c4\ud589\ud558\uba74 \ubcf4\ub2e4 \uc6d0\ud65c\ud558\uac8c \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n  <b><br \/>\n<u><br \/>\n    \uc62c\ud574\uae4c\uc9c0\ub9cc \uc2e0\uccad\uc774 \uac00\ub2a5\ud558\ub2c8 \uc11c\ub458\ub7ec \uc2e0\uccad\ud574\ubcf4\uc138\uc694.<br \/>\n   <\/u><br \/>\n<\/b><\/p>\n<p><figure class=\"imageblock alignCenter\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95 1.jpg\" data-ke-mobilestyle=\"widthOrigin\" data-origin-height=\"201\" data-origin-width=\"1077\">\n<img decoding=\"async\" data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc95 1.jpg\" data-origin-height=\"201\" 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\/O2sTk\/btsH5CCEsj6\/Ie6dYoyYQy8IncT9cCxp10\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FO2sTk%2FbtsH5CCEsj6%2FIe6dYoyYQy8IncT9cCxp10%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  \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 (Q&amp;A)<br \/>\n <\/h2>\n<p data-ke-size=\"size16\">\n<figure class=\"imagegridblock\">\n<div class=\"image-container\">\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc9514.jpg\" data-is-animation=\"false\" data-origin-height=\"204\" data-origin-width=\"335\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/oDaFH\/btsH4qQKhcz\/lCfb23fT764UqTeUcb4OTk\/img.jpg\" data-widthpercent=\"33.48\" style=\"width: 32.6982%; 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\/oDaFH\/btsH4qQKhcz\/lCfb23fT764UqTeUcb4OTk\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FoDaFH%2FbtsH4qQKhcz%2FlCfb23fT764UqTeUcb4OTk%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc9515.jpg\" data-is-animation=\"false\" data-origin-height=\"432\" data-origin-width=\"640\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/bO69KA\/btsH42hvZzM\/wrCTO8uDqFlV4IvutQeR5k\/img.jpg\" data-widthpercent=\"30.2\" style=\"width: 29.4989%; 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\/bO69KA\/btsH42hvZzM\/wrCTO8uDqFlV4IvutQeR5k\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FbO69KA%2FbtsH42hvZzM%2FwrCTO8uDqFlV4IvutQeR5k%2Fimg.jpg\"\/><br \/>\n<\/span><br \/>\n<span data-filename=\"\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9 \uc2e0\uccad\ubc29\ubc9516.jpg\" data-is-animation=\"false\" data-origin-height=\"197\" data-origin-width=\"351\" data-phocus=\"phocus\" data-url=\"https:\/\/blog.kakaocdn.net\/dn\/lYwhh\/btsH5JVMX2t\/lbtPjKxWI6jVLJMVeLzHuK\/img.jpg\" data-widthpercent=\"36.32\" style=\"width: 35.4773%;\"><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\/lYwhh\/btsH5JVMX2t\/lbtPjKxWI6jVLJMVeLzHuK\/img.jpg\" srcset=\"https:\/\/img1.daumcdn.net\/thumb\/R1280x0\/?scode=mtistory2&amp;fname=https%3A%2F%2Fblog.kakaocdn.net%2Fdn%2FlYwhh%2FbtsH5JVMX2t%2FlbtPjKxWI6jVLJMVeLzHuK%2Fimg.jpg\"\/><br \/>\n<\/span>\n<\/div>\n<\/figure>\n<p data-ke-size=\"size16\">\n<p>\n<b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \u3141 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \uc628\ub77c\uc778 \ub300\ud658\ub300\ucd9c \uac00\ub2a5\ud55c\uac00\uc694?<br \/>\n   <\/span><br \/>\n<\/b><\/p>\n<p>  \u25cf \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \ud604\uc7ac \uc628\ub77c\uc778 \ub300\ud658\ub300\ucd9c \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \uac08\uc544\ud0c8 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uc0c1\ud658 \ub610\ub294 \ubcc0\uacbd\uc744 \uc6d0\ud560 \uacbd\uc6b0, \uc9c1\uc811 \uc740\ud589 \ubc29\ubb38\uc774 \ud544\uc694\ud558\uba70, \uc774 \uacfc\uc815\uc5d0\uc11c \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\ub294 \uba74\uc81c\ub429\ub2c8\ub2e4.<\/p>\n<p><b><br \/>\n<span style=\"background-color: #f6e199;\"><br \/>\n    \u3141 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \ub2e4\ub978 \uc0c1\ud488\uc73c\ub85c \uac08\uc544\ud0c8 \uc218 \uc788\ub098\uc694?<br \/>\n   <\/span><br \/>\n<\/b><\/p>\n<p>  \u25cf \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc740 \uc2e0\uc0dd\uc544 \ud2b9\ub840\ub300\ucd9c \ub4f1\uacfc \uac19\uc774 \uc870\uac74\uc5d0 \ub9de\ub294 \ub2e4\ub978 \ub300\ucd9c \uc0c1\ud488\uc73c\ub85c \uac08\uc544\ud0c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc, \uc774 \uacbd\uc6b0 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uc774 \ube44\uc6a9\uc744 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>  \uc774\uc640 \uac19\uc740 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38\ub4e4\uc740 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc774\uc6a9\ud558\uc2dc\ub824\ub294 \ubd84\ub4e4\uc5d0\uac8c \ud544\uc694\ud55c \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uba70, \ubcf4\ub2e4 \uba85\ud655\ud55c \uc774\ud574\ub97c \ub3d5\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\n  \uc774\ubc88 \ud3ec\uc2a4\ud305\uc744 \ud1b5\ud574 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc2e0\uccad\uc790\uaca9\uacfc \uc2e0\uccad\ubc29\ubc95\uc5d0 \ub300\ud574 \ucda9\ubd84\ud788 \uc774\ud574\ud558\uc168\uae38 \ubc14\ub78d\ub2c8\ub2e4. \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uace0\ub824 \uc911\uc774\ub77c\uba74, \uc2dc\uc911\uc740\ud589\uc758 \uae08\ub9ac\uc640 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ube44\uad50\ud558\uc5ec \ucd5c\uc801\uc758 \uc120\ud0dd\uc744 \ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.\n <\/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\ud55c\uc740\ud589 \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac \uc11c\ub958<\/p>\n<figure contenteditable=\"false\" data-ke-align=\"alignCenter\" data-ke-type=\"opengraph\" data-og-description=\"\uc2e0\ud55c\uc740\ud589 \ubcf4\uae08\uc790\ub9ac\ub860\uc758 \uc2e0\uccad \uc790\uaca9 \ubc0f \ub300\ucd9c \uc870\uac74, \uae08\ub9ac, \uc11c\ub958\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.  \uc2e0\ud55c\uc740\ud589 \ubcf4\uae08\uc790\ub9ac\ub860\uc774\ub780 ? \uc2e0\ud55c\uc740\ud589 \ubcf4\uae08\uc790\ub9ac\ub860\uc740 \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uc5d0\uc11c \uc9c0\uc6d0\ud558\ub294 \uc8fc\ud0dd\uad6c\uc785\ub300\" data-og-host=\".tistory.com\" data-og-image=\"https:\/\/scrap.kakaocdn.net\/dn\/gtbpZ\/hyWoLx6vzv\/1biv9CPZXDZWp35CedlGFk\/img.jpg?width=633&amp;height=632&amp;face=0_0_633_632,https:\/\/scrap.kakaocdn.net\/dn\/b8PKSd\/hyWoFdAEUw\/UL6jJujVm9gCZGz9Rbkzz0\/img.jpg?width=633&amp;height=632&amp;face=0_0_633_632,https:\/\/scrap.kakaocdn.net\/dn\/xnb1G\/hyWoL5WR2q\/22M45IpqJSckoCPco4rfFk\/img.jpg?width=633&amp;height=632&amp;face=0_0_633_632\" data-og-source-url=\"https:\/\/.tistory.com\/entry\/%EC%8B%A0%ED%95%9C%EC%9D%80%ED%96%89-%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-%EC%84%9C%EB%A5%98\" data-og-title=\"\uc2e0\ud55c\uc740\ud589 \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac \uc11c\ub958\" data-og-type=\"article\" data-og-url=\"https:\/\/.tistory.com\/entry\/%EC%8B%A0%ED%95%9C%EC%9D%80%ED%96%89-%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-%EC%84%9C%EB%A5%98\" id=\"og_1718848604410\">\n<div class=\"og-image\" style=\"background-image: url('https:\/\/scrap.kakaocdn.net\/dn\/gtbpZ\/hyWoLx6vzv\/1biv9CPZXDZWp35CedlGFk\/img.jpg?width=633&amp;height=632&amp;face=0_0_633_632,https:\/\/scrap.kakaocdn.net\/dn\/b8PKSd\/hyWoFdAEUw\/UL6jJujVm9gCZGz9Rbkzz0\/img.jpg?width=633&amp;height=632&amp;face=0_0_633_632,https:\/\/scrap.kakaocdn.net\/dn\/xnb1G\/hyWoL5WR2q\/22M45IpqJSckoCPco4rfFk\/img.jpg?width=633&amp;height=632&amp;face=0_0_633_632');\">\n<\/div>\n<\/figure>\n<p data-ke-size=\"size16\">\n<p>   \ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac<\/p>\n<figure contenteditable=\"false\" data-ke-align=\"alignCenter\" data-ke-type=\"opengraph\" data-og-description=\"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 \ubcf4\uae08\uc790\ub9ac\ub860\uc740 \uc5b4\ub5a4 \ubcc0\ud654\uac00 \uc788\ub294\uc9c0, \ub300\ucd9c\uc790\uaca9\uc740 \uc5b4\ub5bb\uac8c \" data-og-host=\".tistory.com\" data-og-image=\"https:\/\/scrap.kakaocdn.net\/dn\/bywoGv\/hyWoElr5SV\/6MuYVTjuAIVo6hkdWPceU0\/img.jpg?width=635&amp;height=636&amp;face=0_0_635_636,https:\/\/scrap.kakaocdn.net\/dn\/dlnyW2\/hyWoCVu8JE\/dczqPS1dSjGIdYlE1Z9JC0\/img.jpg?width=635&amp;height=636&amp;face=0_0_635_636,https:\/\/scrap.kakaocdn.net\/dn\/bdogZW\/hyWoEeFcB2\/jakVgm3vVvzWoHi0LMGvg0\/img.jpg?width=1225&amp;height=506&amp;face=0_0_1225_506\" data-og-source-url=\"https:\/\/.tistory.com\/entry\/%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\" data-og-title=\"\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac\" data-og-type=\"article\" data-og-url=\"https:\/\/.tistory.com\/entry\/%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\" id=\"og_1718848587203\">\n<div class=\"og-image\" style=\"background-image: url('https:\/\/scrap.kakaocdn.net\/dn\/bywoGv\/hyWoElr5SV\/6MuYVTjuAIVo6hkdWPceU0\/img.jpg?width=635&amp;height=636&amp;face=0_0_635_636,https:\/\/scrap.kakaocdn.net\/dn\/dlnyW2\/hyWoCVu8JE\/dczqPS1dSjGIdYlE1Z9JC0\/img.jpg?width=635&amp;height=636&amp;face=0_0_635_636,https:\/\/scrap.kakaocdn.net\/dn\/bdogZW\/hyWoEeFcB2\/jakVgm3vVvzWoHi0LMGvg0\/img.jpg?width=1225&amp;height=506&amp;face=0_0_1225_506');\">\n<\/div>\n<\/figure>\n<p data-ke-size=\"size16\">\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 \ub300\ucd9c\uacfc\uc758 \ube44\uad50\ub97c \ud1b5\ud574 \uc5b4\ub5a4 \uc810\uc774 \ub2e4\ub978\uc9c0 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc2e0\uc0dd\uc544 \ud2b9\ub840 \ub300\ucd9c \uc18c\uac1c 2024\ub144 1\uc6d4\ubd80\ud130 \uc2dc\ud589 \uc608\uc815\uc778 \uc2e0\uc0dd\uc544 \ud2b9\ub840\ub300\ucd9c\uc740 \uc800\" data-og-host=\".tistory.com\" data-og-image=\"https:\/\/scrap.kakaocdn.net\/dn\/GSXCq\/hyWoEsd3nC\/Z2XloAhfkdPmkK9eET9rFK\/img.jpg?width=640&amp;height=640&amp;face=0_0_640_640,https:\/\/scrap.kakaocdn.net\/dn\/AQJSq\/hyWoKMJY6o\/ADUbpXSQUPu3FJIFG1nR51\/img.jpg?width=640&amp;height=640&amp;face=0_0_640_640,https:\/\/scrap.kakaocdn.net\/dn\/d3Yb6D\/hyWoIajthz\/g4cawPHKmNqKmO7uUMg0y0\/img.jpg?width=640&amp;height=480&amp;face=0_0_640_480\" 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