{"id":333,"date":"2026-07-23T09:56:39","date_gmt":"2026-07-23T00:56:39","guid":{"rendered":"https:\/\/zipreport.kr\/?p=333"},"modified":"2026-07-23T09:55:34","modified_gmt":"2026-07-23T00:55:34","slug":"cash-200m-seoul-12eok-apartment-cost","status":"publish","type":"post","link":"https:\/\/zipreport.kr\/?p=333","title":{"rendered":"\ud604\uae08 2\uc5b5\uc73c\ub85c \uc11c\uc6b8 12\uc5b5 \uc544\ud30c\ud2b8 \uc0b4 \uc218 \uc788\uc744\uae4c? \uacc4\uc57d\uae08\u00b7\ucde8\ub4dd\uc138\u00b7\ub300\ucd9c\uc774\uc790 \uacc4\uc0b0"},"content":{"rendered":"<p>\ud604\uae08 2\uc5b5\uc6d0\uc774 \uc788\uc73c\uba74 12\uc5b5\uc6d0 \uc544\ud30c\ud2b8\uc758 \uacc4\uc57d\uae08 10%\uc778 1\uc5b52,000\ub9cc\uc6d0\uc740 \ub0bc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc11c\uc6b8 \uaddc\uc81c\uc9c0\uc5ed\uc5d0\uc11c \uc77c\ubc18 \ubb34\uc8fc\ud0dd\uc790\uc5d0\uac8c LTV 40%\ub97c \uc801\uc6a9\ud558\uba74 \ub300\ucd9c \uae30\ubcf8 \uc608\uc2dc\ub294 4\uc5b58,000\ub9cc\uc6d0\uc785\ub2c8\ub2e4. \ucde8\ub4dd\uc138\uc640 \uc911\uac1c\ubcf4\uc218\uae4c\uc9c0 \ub354\ud558\uba74 \uc900\ube44\ud560 \ud604\uae08\uc740 \uc57d 7\uc5b56,752\ub9cc\uc6d0\uc73c\ub85c \ub298\uc5b4\ub0a9\ub2c8\ub2e4. <strong>\ucd94\uac00 \uc790\uae08\uc774 \uc5c6\ub2e4\uba74 \uacc4\uc57d\uae08\uc740 \ub0bc \uc218 \uc788\uc5b4\ub3c4 \uc794\uae08\uae4c\uc9c0 \uce58\ub974\uae30\ub294 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"3%EC%A4%84_%EC%9A%94%EC%95%BD\"><\/span>3\uc904 \uc694\uc57d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<blockquote>\n<ul>\n<li>\ud604\uae08 2\uc5b5\uc6d0\uc73c\ub85c 10% \uacc4\uc57d\uae08 1\uc5b52,000\ub9cc\uc6d0\uc740 \ub0bc \uc218 \uc788\uc9c0\ub9cc, \uc794\uae08\uacfc \ucde8\ub4dd\ube44\uc6a9\uc744 \ucda9\ub2f9\ud560 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc77c\ubc18 \ubb34\uc8fc\ud0dd\uc790\uc5d0\uac8c \uc11c\uc6b8 \uaddc\uc81c\uc9c0\uc5ed LTV 40%\ub97c \uc801\uc6a9\ud558\uba74 \ub300\ucd9c \uae30\ubcf8 \uc608\uc2dc\ub294 4\uc5b58,000\ub9cc\uc6d0, \uae30\uc900 \ud544\uc694 \ud604\uae08\uc740 \uc57d 7\uc5b56,752\ub9cc\uc6d0\uc785\ub2c8\ub2e4.<\/li>\n<li>\uc5f0 4.0%\u00b730\ub144 \uc0c1\ud658 \uae30\uc900 \uc6d4 \uc6d0\ub9ac\uae08\uc740 \uc57d 229\ub9cc\uc6d0\uc774\uba70, \uad00\ub9ac\ube44\u00b7\uc7ac\uc0b0\uc138\u00b7\ub4f1\uae30\ube44\uc6a9\uc740 \ubcc4\ub3c4\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"%ED%95%B5%EC%8B%AC_%EC%9A%94%EC%95%BD\"><\/span>\ud575\uc2ec \uc694\uc57d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>\ud56d\ubaa9<\/th>\n<th>\uacb0\uacfc<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ub9e4\ub9e4\uac00<\/td>\n<td>12\uc5b5\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\ubcf4\uc720 \ud604\uae08<\/td>\n<td>2\uc5b5\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uacc4\uc57d\uae08 10% \uac00\uc815<\/td>\n<td>1\uc5b52,000\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uae30\uc900 \ud544\uc694 \ud604\uae08: LTV 40%<\/td>\n<td>\uc57d 7\uc5b56,752\ub9cc\uc6d0 + \ubcc4\ub3c4 \ube44\uc6a9<\/td>\n<\/tr>\n<tr>\n<td>\ud604\uae08 2\uc5b5\uc6d0\uacfc\uc758 \ucc28\uc774<\/td>\n<td>\uc57d 5\uc5b56,752\ub9cc\uc6d0 + \ubcc4\ub3c4 \ube44\uc6a9<\/td>\n<\/tr>\n<tr>\n<td>\uc6d4 \uc6d0\ub9ac\uae08: \ub300\ucd9c 4\uc5b58,000\ub9cc\uc6d0<\/td>\n<td>\uc57d 229\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc6d4 \uad00\ub9ac\ube44<\/td>\n<td>\ud6c4\ubcf4 \ub2e8\uc9c0 \ud655\uc815 \ud6c4 \ucd5c\uadfc 12\uac1c\uc6d4 \ucd94\uac00 \ud655\uc778 \ud544\uc694<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"%EC%99%9C_%EA%B3%84%EC%95%BD%EA%B8%88%EB%A7%8C_%EB%B3%B4%EA%B3%A0_%EA%B3%84%EC%95%BD%ED%95%98%EB%A9%B4_%EC%95%88_%EB%90%A0%EA%B9%8C\"><\/span>\uc65c \uacc4\uc57d\uae08\ub9cc \ubcf4\uace0 \uacc4\uc57d\ud558\uba74 \uc548 \ub420\uae4c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uacc4\uc57d\uae08\uc740 \ub9e4\ub9e4\ub300\uae08\uc758 \uccab \ub2e8\uacc4\uc77c \ubfd0\uc785\ub2c8\ub2e4. \uacc4\uc57d\uae08 10%\ub97c \uac00\uc815\ud558\uba74 12\uc5b5\uc6d0\uc758 10%\ub294 1\uc5b52,000\ub9cc\uc6d0\uc785\ub2c8\ub2e4. \ud604\uae08 2\uc5b5\uc6d0\uc5d0\uc11c \uc774 \uae08\uc561\uc744 \ub0b4\uace0 \ub098\uba74 8,000\ub9cc\uc6d0\uc774 \ub0a8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc794\uae08\uc77c\uc5d0\ub294 10\uc5b58,000\ub9cc\uc6d0\uc5d0\uc11c \ub300\ucd9c\uae08\uc744 \ube80 \uae08\uc561\ubfd0 \uc544\ub2c8\ub77c \ucde8\ub4dd\uc138\u00b7\uc911\uac1c\ubcf4\uc218\u00b7\ub4f1\uae30\ube44\uc6a9\ub3c4 \ud568\uaed8 \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4. \ub300\ucd9c \uc2b9\uc778\uc774 \uc608\uc0c1\ubcf4\ub2e4 \uc801\uac70\ub098 \uc2e4\ud589\uc77c\uc774 \ub2a6\uc5b4\uc9c0\uba74 \uacc4\uc57d\uae08\uc744 \uc783\uc744 \uc704\ud5d8\uc774 \uc788\uc73c\ubbc0\ub85c, \ub9e4\ub9e4\uacc4\uc57d \uc804\uc5d0 \uae08\uc735\uae30\uad00 \uc0ac\uc804\uc2ec\uc0ac\ub97c \ubc1b\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"12%EC%96%B5_%EC%95%84%ED%8C%8C%ED%8A%B8_%EA%B3%84%EC%95%BD%EC%97%90_%EC%8B%A4%EC%A0%9C_%ED%98%84%EA%B8%88%EC%9D%80_%EC%96%BC%EB%A7%88%EA%B0%80_%ED%95%84%EC%9A%94%ED%95%A0%EA%B9%8C\"><\/span>12\uc5b5 \uc544\ud30c\ud2b8 \uacc4\uc57d\uc5d0 \uc2e4\uc81c \ud604\uae08\uc740 \uc5bc\ub9c8\uac00 \ud544\uc694\ud560\uae4c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>15\uc5b5\uc6d0 \uc774\ud558 \uc8fc\ud0dd\uc5d0 \uc801\uc6a9\ub418\ub294 \uc81c\ub3c4\uc0c1 \uc8fc\ub2f4\ub300 \ucd1d\uc561 \ud55c\ub3c4\ub294 6\uc5b5\uc6d0\uc785\ub2c8\ub2e4. \uc77c\ubc18 \ubb34\uc8fc\ud0dd\uc790\uc758 \uae30\ubcf8 LTV 40%\ub97c \uc801\uc6a9\ud558\uba74 4\uc5b58,000\ub9cc\uc6d0\uc774\uc9c0\ub9cc, \uc0dd\uc560\ucd5c\ucd08 \uad6c\ub9e4\uc790\ucc98\ub7fc \ubcc4\ub3c4 LTV\ub97c \uc801\uc6a9\ubc1b\uac70\ub098 \uacbd\uacfc\uaddc\uc815\uc774 \uc778\uc815\ub418\ub294 \uacbd\uc6b0\ub294 \ub2e4\ub985\ub2c8\ub2e4. DSR \ub4f1 \uc2ec\uc0ac\ub97c \ud1b5\uacfc\ud558\uba74 6\uc5b5\uc6d0 \ud55c\ub3c4\uae4c\uc9c0 \uac00\ub2a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ub2f4\ubcf4\ud3c9\uac00\uc640 \uae08\uc735\uae30\uad00 \uc2ec\uc0ac \uacb0\uacfc\uc5d0 \ub530\ub77c \uc2e4\uc81c \uc2b9\uc778\uc561\uc740 \uac01 \uc2dc\ub098\ub9ac\uc624\uc758 \uacc4\uc0b0\uc561\ubcf4\ub2e4 \uc801\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\ud56d\ubaa9<\/th>\n<th>\uc77c\ubc18 \ubb34\uc8fc\ud0dd\uc790 \uae30\ubcf8 \uc608\uc2dc<\/th>\n<th>\ubcc4\ub3c4 LTV \uc801\uc6a9 \uc2dc 6\uc5b5\uc6d0 \ud55c\ub3c4 \ube44\uad50<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ub9e4\ub9e4\uac00<\/td>\n<td>12\uc5b5\uc6d0<\/td>\n<td>12\uc5b5\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\ub300\ucd9c\uae08<\/td>\n<td>4\uc5b58,000\ub9cc\uc6d0<\/td>\n<td>6\uc5b5\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uacc4\uc57d\uae08 10% \uac00\uc815<\/td>\n<td>1\uc5b52,000\ub9cc\uc6d0<\/td>\n<td>1\uc5b52,000\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc794\uae08\uc5d0 \ucd94\uac00\ud560 \uc790\uae30\uc790\uae08<\/td>\n<td>6\uc5b5\uc6d0<\/td>\n<td>4\uc5b58,000\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\ub9e4\ub9e4\ub300\uae08 \uc790\uae30\uc790\uae08<\/td>\n<td>7\uc5b52,000\ub9cc\uc6d0<\/td>\n<td>6\uc5b5\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\ucde8\ub4dd\uc138 3%<\/td>\n<td>3,600\ub9cc\uc6d0<\/td>\n<td>3,600\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc9c0\ubc29\uad50\uc721\uc138 0.3%<\/td>\n<td>360\ub9cc\uc6d0<\/td>\n<td>360\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc911\uac1c\ubcf4\uc218 \uc0c1\ud55c 0.6%<\/td>\n<td>720\ub9cc\uc6d0<\/td>\n<td>720\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc911\uac1c\ubcf4\uc218 \ubd80\uac00\uc138 \ucd5c\ub300 10%<\/td>\n<td>72\ub9cc\uc6d0<\/td>\n<td>72\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uae30\uc900 \ud544\uc694 \ud604\uae08<\/td>\n<td><strong>7\uc5b56,752\ub9cc\uc6d0<\/strong><\/td>\n<td><strong>6\uc5b54,752\ub9cc\uc6d0<\/strong><\/td>\n<\/tr>\n<tr>\n<td>\ud604\uae08 2\uc5b5\uc6d0\uacfc\uc758 \ucc28\uc774<\/td>\n<td><strong>5\uc5b56,752\ub9cc\uc6d0 \ubd80\uc871<\/strong><\/td>\n<td><strong>4\uc5b54,752\ub9cc\uc6d0 \ubd80\uc871<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uc804\uc6a9 84\u33a1\ub97c \uac00\uc815\ud588\uae30 \ub54c\ubb38\uc5d0 \ub18d\uc5b4\ucd0c\ud2b9\ubcc4\uc138\ub294 \uc81c\uc678\ud588\uc2b5\ub2c8\ub2e4. \uc911\uac1c\ubcf4\uc218\ub294 12\uc5b5\uc6d0 \uc774\uc0c1 15\uc5b5\uc6d0 \ubbf8\ub9cc \uc8fc\ud0dd \ub9e4\ub9e4\uc758 \uc0c1\ud55c\uc694\uc728\uc744 \uc801\uc6a9\ud588\uc73c\uba70, \uc2e4\uc81c \uae08\uc561\uc740 \uc0c1\ud55c \uc548\uc5d0\uc11c \ud611\uc758\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc95\ubb34\uc0ac \ubcf4\uc218, \uad6d\ubbfc\uc8fc\ud0dd\ucc44\uad8c \ud560\uc778\uc561, \uc778\uc9c0\u00b7\uc99d\uc9c0, \uc774\uc0ac\ube44, \uc218\ub9ac\ube44\uc640 \ube44\uc0c1\uc790\uae08\uc740 \ud3ec\ud568\ud558\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucde8\ub4dd\uc138\ub294 \uc8fc\ud0dd \uc218, \ucde8\ub4dd \ubaa9\uc801, \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed \uc5ec\ubd80\uc640 \uac10\uba74 \uc870\uac74\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc2e4\uc81c \uae08\uc561\uc740 \uc794\uae08\uc77c\uc758 \uc870\uac74\uc73c\ub85c <a href=\"https:\/\/www.wetax.go.kr\/tcp\/loi\/J030801M01.do\" target=\"_blank\" rel=\"noopener noreferrer\">\uc704\ud0dd\uc2a4 \uc9c0\ubc29\uc138 \ubbf8\ub9ac\uacc4\uc0b0<\/a>\uc5d0\uc11c \ub2e4\uc2dc \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%9E%85%EC%A3%BC_%ED%9B%84_%EC%9B%94_%EC%9B%90%EB%A6%AC%EA%B8%88%EC%9D%80_%EC%96%BC%EB%A7%88%EC%9D%BC%EA%B9%8C\"><\/span>\uc785\uc8fc \ud6c4 \uc6d4 \uc6d0\ub9ac\uae08\uc740 \uc5bc\ub9c8\uc77c\uae4c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc5f0 4.0%\ub294 \ud2b9\uc815 \ub300\ucd9c\uc0c1\ud488\uc758 \uae08\ub9ac\uac00 \uc544\ub2c8\ub77c \ube44\uad50\ub97c \uc704\ud55c \uac00\uc815\uc785\ub2c8\ub2e4. 30\ub144 \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658\uc73c\ub85c \uacc4\uc0b0\ud55c \uacb0\uacfc\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\uad6c\ubd84<\/th>\n<th>\uc77c\ubc18 \ubb34\uc8fc\ud0dd\uc790 \uae30\ubcf8 \uc608\uc2dc<\/th>\n<th>\ubcc4\ub3c4 LTV \uc801\uc6a9 \uc2dc 6\uc5b5\uc6d0 \ud55c\ub3c4 \ube44\uad50<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ub300\ucd9c\uc6d0\uae08<\/td>\n<td>4\uc5b58,000\ub9cc\uc6d0<\/td>\n<td>6\uc5b5\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc6d4 \uc6d0\ub9ac\uae08<\/td>\n<td>\uc57d 229\ub9cc\uc6d0<\/td>\n<td>\uc57d 286\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uccab \ub2ec \uc774\uc790<\/td>\n<td>160\ub9cc\uc6d0<\/td>\n<td>200\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>5\ub144\uac04 \uc6d0\ub9ac\uae08 \ub0a9\ubd80\uc561<\/td>\n<td>\uc57d 1\uc5b53,750\ub9cc\uc6d0<\/td>\n<td>\uc57d 1\uc5b57,187\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>5\ub144\uac04 \uc0c1\ud658 \uc6d0\uae08<\/td>\n<td>\uc57d 4,585\ub9cc\uc6d0<\/td>\n<td>\uc57d 5,731\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>5\ub144\uac04 \ub0a9\ubd80 \uc774\uc790<\/td>\n<td>\uc57d 9,164\ub9cc\uc6d0<\/td>\n<td>\uc57d 1\uc5b51,455\ub9cc\uc6d0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uccab \ub2ec \uc774\uc790\ub294 `\ub300\ucd9c\uc6d0\uae08 \u00d7 \uc5f0 4.0% \u00f7 12`\ub85c \uacc4\uc0b0\ud588\uc2b5\ub2c8\ub2e4. \uc6d4 \uc6d0\ub9ac\uae08\uc5d0\ub294 \uc774\uc790\uc640 \uc6d0\uae08\uc774 \ud568\uaed8 \ub4e4\uc5b4\uac00\ubbc0\ub85c \uc6d4 \uc774\uc790\uc640\ub294 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uc18c\ub4dd \uc815\ubcf4\uac00 \uc5c6\uc73c\ubbc0\ub85c DSR \uc2b9\uc778 \uc5ec\ubd80\ub294 \ud310\ub2e8\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uae08\ub9ac 4.0%\uc758 \uc6d4 \uc6d0\ub9ac\uae08\uc744 DSR 40%\ub85c \ub098\ub208 \uc544\ub798 \uae08\uc561\ub3c4 \ub300\ucd9c\uc2ec\uc0ac \uc608\uc0c1\uce58\uac00 \uc544\ub2cc <strong>\uc0dd\ud65c\ube44 \uad00\uc810\uc758 \ub2e8\uc21c \uc5ed\uc0b0<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\uc5f0\uc18c\ub4dd \ub2e8\uc21c \uc5ed\uc0b0<\/th>\n<th>\uae30\ubcf8 \uc608\uc2dc 4\uc5b58,000\ub9cc\uc6d0<\/th>\n<th>\ubcc4\ub3c4 LTV \uc801\uc6a9 \uc2dc 6\uc5b5\uc6d0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc2e4\uc81c \uc0c1\ud658\uae08\ub9ac 4.0% \uae30\uc900<\/td>\n<td>\uc57d 6,875\ub9cc\uc6d0<\/td>\n<td>\uc57d 8,593\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc2ec\uc0ac\uae08\ub9ac 7.0% \ub2e8\uc21c \uc608\uc2dc*<\/td>\n<td>\uc57d 9,580\ub9cc\uc6d0<\/td>\n<td>\uc57d 1\uc5b51,980\ub9cc\uc6d0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>* \uc218\ub3c4\uad8c\u00b7\uaddc\uc81c\uc9c0\uc5ed \uc8fc\ub2f4\ub300\uc758 \uc2a4\ud2b8\ub808\uc2a4 \uae08\ub9ac \ud558\ud55c 3%\ud3ec\uc778\ud2b8\ub97c \uc2e4\uc81c \uae08\ub9ac 4.0%\uc5d0 \uc804\ubd80 \uac00\uc0b0\ud55c \ubcc0\ub3d9\uae08\ub9ac \ub2e8\uc21c \uc608\uc2dc\uc785\ub2c8\ub2e4. \uc2a4\ud2b8\ub808\uc2a4 \uae08\ub9ac\ub294 \uc2e4\uc81c \ub0a9\ubd80\uc774\uc790\uc5d0 \ubd99\ub294 \uae08\ub9ac\uac00 \uc544\ub2c8\ub77c DSR \uc2ec\uc0ac\uc5d0\ub9cc \uc4f0\uc785\ub2c8\ub2e4. \uace0\uc815\u00b7\ud63c\ud569\u00b7\ubcc0\ub3d9\ud615 \uc5ec\ubd80\uc5d0 \ub530\ub77c \ubc18\uc601\ud3ed\uc774 \ub2e4\ub974\uba70, \uc2e0\uc6a9\ub300\ucd9c\u00b7\uc790\ub3d9\ucc28 \ud560\ubd80 \ub4f1 \ub2e4\ub978 \ubd80\ucc44\ub3c4 \ud568\uaed8 \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B4%80%EB%A6%AC%EB%B9%84%EA%B9%8C%EC%A7%80_%EB%8D%94%ED%95%98%EB%A9%B4_%EC%9B%94_%EB%B6%80%EB%8B%B4%EC%9D%80_%EC%96%BC%EB%A7%88%EC%9D%BC%EA%B9%8C\"><\/span>\uad00\ub9ac\ube44\uae4c\uc9c0 \ub354\ud558\uba74 \uc6d4 \ubd80\ub2f4\uc740 \uc5bc\ub9c8\uc77c\uae4c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc544\uc9c1 \ud6c4\ubcf4 \ub2e8\uc9c0\uac00 \uc5c6\uc5b4 \uc815\ud655\ud55c \uad00\ub9ac\ube44\ub294 \uacc4\uc0b0\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/zipreport.kr\/?p=328\" target=\"_blank\" rel=\"noopener noreferrer\">\uc11c\uc6b8 12\uc5b5 \uc774\ud558 84\u33a1 \uc544\ud30c\ud2b8 \uac70\ub798\ub7c9 \ube44\uad50<\/a>\uc5d0 \ud3ec\ud568\ub41c \ub300\ud45c \ub2e8\uc9c0\uc758 2026\ub144 1~5\uc6d4 \uacf5\uac1c \ub2e8\uac00\ub97c \uc804\uc6a9 84\u33a1\ub85c \ub2e8\uc21c \ud658\uc0b0\ud558\uba74 \uc6d4 \uc57d 16\ub9cc4,000\uc6d0~27\ub9cc7,000\uc6d0\uc774\uc5c8\uc2b5\ub2c8\ub2e4. 12\uc5b5\uc6d0 \uc544\ud30c\ud2b8 \uc804\uccb4\uc758 \ud3c9\uade0\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc2e4\uc81c \uad00\ub9ac\ube44\ub294 \ubd80\uacfc\uba74\uc801, \ub09c\ubc29\ube44, \uc8fc\ucc28\ube44\uc640 \uc138\ub300\ubcc4 \uc0ac\uc6a9\ub7c9\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\uc6d4 \ubd80\ub2f4 \ud56d\ubaa9<\/th>\n<th>\uae08\uc561<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uae08\uc735\ube44\uc6a9<\/td>\n<td>\uae30\ubcf8 \uc608\uc2dc \uc57d 229\ub9cc\uc6d0, \ubcc4\ub3c4 LTV \uc801\uc6a9 \uc2dc 6\uc5b5\uc6d0 \ube44\uad50 \uc57d 286\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc8fc\uac70 \uc6b4\uc601\ube44<\/td>\n<td>\ud6c4\ubcf4 \ub2e8\uc9c0 \ud655\uc815 \ud6c4 \ucd5c\uadfc 12\uac1c\uc6d4 \uad00\ub9ac\ube44\uc640 \uacc4\uc808 \ubc94\uc704 \ud655\uc778<\/td>\n<\/tr>\n<tr>\n<td>\ubcf4\uc720 \ube44\uc6a9<\/td>\n<td>\ud6c4\ubcf4 \uc8fc\ud0dd \uacf5\uc2dc\uac00\uaca9 \ud655\uc778 \ud6c4 \uc7ac\uc0b0\uc138 \uacc4\uc0b0<\/td>\n<\/tr>\n<tr>\n<td>\uae30\ud0c0<\/td>\n<td>\uc8fc\ucc28\ube44\u00b7\ubcf4\ud5d8\u00b7\ud1b5\uadfc\ube44 \ucc28\uc774 \ucd94\uac00 \ud655\uc778<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud6c4\ubcf4 \ub2e8\uc9c0\ub97c \uc815\ud588\ub2e4\uba74 <a href=\"https:\/\/www.k-apt.go.kr\/\" target=\"_blank\" rel=\"noopener noreferrer\">K-apt<\/a>\uc5d0\uc11c \uc8fc\uc18c\uc640 \ucf54\ub4dc\ub97c \ub300\uc870\ud55c \ub4a4 \ucd5c\uadfc 12\uac1c\uc6d4 \uad00\ub9ac\ube44\ub97c \ud655\uc778\ud558\uc138\uc694. \uacc4\uc57d \uc804\uc5d0\ub294 \ud574\ub2f9 \uc138\ub300\uc758 \uc2e4\uc81c \uace0\uc9c0\uc11c\uc640 \uccb4\ub0a9 \uc5ec\ubd80\ub3c4 \ubc1b\uc544\ubcf4\ub294 \ud3b8\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5%EB%85%84_%ED%98%84%EA%B8%88_%EC%9C%A0%EC%B6%9C%EA%B3%BC_%EC%88%9C%EC%88%98_%EB%B9%84%EC%9A%A9%EC%9D%80_%EB%8B%A4%EB%A6%85%EB%8B%88%EB%8B%A4\"><\/span>5\ub144 \ud604\uae08 \uc720\ucd9c\uacfc \uc21c\uc218 \ube44\uc6a9\uc740 \ub2e4\ub985\ub2c8\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc9d1\uac12\uc774 5\ub144 \ub3d9\uc548 \uadf8\ub300\ub85c\ub77c\uace0 \uac00\uc815\ud574 \uc218\uc775\ub960\uc744 \uacc4\uc0b0\ud558\uc9c0\ub294 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \uc544\ub798 \ud45c\uc5d0\uc11c\ub294 \uac00\uaca9 \ubcc0\ub3d9\uc744 \ube7c\uace0 \uacc4\uc88c\uc5d0\uc11c \ub098\uac00\ub294 \ub3c8\uacfc \ud68c\uc218\ub418\uc9c0 \uc54a\ub294 \ube44\uc6a9\ub9cc \ub098\ub220 \ubd24\uc2b5\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\uad6c\ubd84<\/th>\n<th>\uc77c\ubc18 \ubb34\uc8fc\ud0dd\uc790 \uae30\ubcf8 \uc608\uc2dc<\/th>\n<th>\ubcc4\ub3c4 LTV \uc801\uc6a9 \uc2dc 6\uc5b5\uc6d0 \ud55c\ub3c4 \ube44\uad50<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ucd08\uae30 \uae30\uc900 \ud544\uc694 \ud604\uae08<\/td>\n<td>7\uc5b56,752\ub9cc\uc6d0<\/td>\n<td>6\uc5b54,752\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>5\ub144 \uc6d0\ub9ac\uae08 \ub0a9\ubd80<\/td>\n<td>\uc57d 1\uc5b53,750\ub9cc\uc6d0<\/td>\n<td>\uc57d 1\uc5b57,187\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>5\ub144 \ucd1d \ud604\uae08 \uc720\ucd9c<\/td>\n<td><strong>\uc57d 9\uc5b5502\ub9cc\uc6d0<\/strong><\/td>\n<td><strong>\uc57d 8\uc5b51,939\ub9cc\uc6d0<\/strong><\/td>\n<\/tr>\n<tr>\n<td>\uc774 \uc911 \ucde8\ub4dd\ube44\uc6a9\u00b7\uc774\uc790<\/td>\n<td><strong>\uc57d 1\uc5b53,916\ub9cc\uc6d0<\/strong><\/td>\n<td><strong>\uc57d 1\uc5b56,207\ub9cc\uc6d0<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>5\ub144 \ucd1d \ud604\uae08 \uc720\ucd9c\uc5d0\ub294 \ub9e4\ub9e4\ub300\uae08\uc5d0 \ub123\uc740 \uc790\uae30\uc790\uae08\uacfc \ub300\ucd9c \uc6d0\uae08 \uc0c1\ud658\uc561\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc774 \uae08\uc561\uc744 \ubaa8\ub450 \uc21c\uc218 \ube44\uc6a9\uc73c\ub85c \ubcfc \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \ucde8\ub4dd\uc138\u00b7\uc911\uac1c\ubcf4\uc218\uc640 \ub300\ucd9c\uc774\uc790\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ud68c\uc218\ub418\uc9c0 \uc54a\ub294 \ube44\uc6a9\uc785\ub2c8\ub2e4. \uad00\ub9ac\ube44, \uc7ac\uc0b0\uc138, \ub4f1\uae30\u00b7\ucc44\uad8c, \uc774\uc0ac\u00b7\uc218\ub9ac\ube44\uc640 \ub9e4\ub3c4 \uc2dc \ube44\uc6a9\uc740 \ud45c\uc5d0 \ub123\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%84%9C%EC%9A%B8_12%EC%96%B5_%EC%9D%B4%ED%95%98_84%E3%8E%A1%EA%B8%89_%EC%8B%A4%EA%B1%B0%EB%9E%98%EB%8A%94_%EC%96%B4%EB%94%94%EC%97%90%EC%84%9C_%ED%99%95%EC%9D%B8%EB%90%90%EC%9D%84%EA%B9%8C\"><\/span>\uc11c\uc6b8 12\uc5b5 \uc774\ud558 84\u33a1\uae09 \uc2e4\uac70\ub798\ub294 \uc5b4\ub514\uc5d0\uc11c \ud655\uc778\ub410\uc744\uae4c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/zipreport.kr\/?p=328\" target=\"_blank\" rel=\"noopener noreferrer\">\uc11c\uc6b8 12\uc5b5 \uc774\ud558 84\u33a1 \uc544\ud30c\ud2b8 \uac70\ub798\ub7c9 \ube44\uad50<\/a>\uc5d0\uc11c \ud655\uc778\ud55c \uac70\ub798\ub294 \uc11c\uc6b8 7\uac1c \uad6c\uc758 \uc804\uc6a9 83\u33a1 \uc774\uc0c1 85\u33a1 \ubbf8\ub9cc, 12\uc5b5\uc6d0 \uc774\ud558 \ub9e4\ub9e4 1,930\uac74\uc785\ub2c8\ub2e4. \uacc4\uc57d \uae30\uac04\uc740 2026\ub144 4~6\uc6d4\uc774\uba70 \ud574\uc81c \ud45c\uc2dc\uac00 \uc788\ub294 9\uac74\uc740 \uc81c\uc678\ud588\uc2b5\ub2c8\ub2e4. \uc11c\uc6b8 25\uac1c \uad6c \uc804\uccb4 \uc870\uc0ac\ub3c4, \uc815\ud655\ud788 12\uc5b5\uc6d0\uc5d0 \uac70\ub798\ub41c \ub2e8\uc9c0 \uc21c\uc704\ub3c4 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\uc9c0\uc5ed<\/th>\n<th>\ub9e4\ub9e4 \uac74\uc218<\/th>\n<th>\ub9e4\ub9e4 \uc911\uc704\uac00\uaca9<\/th>\n<th>\uc77c\ubc18 \ubb34\uc8fc\ud0dd\uc790 LTV 40% \ud544\uc694 \ud604\uae08*<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ub3c4\ubd09\uad6c<\/td>\n<td>308\uac74<\/td>\n<td>6\uc5b5400\ub9cc\uc6d0<\/td>\n<td>\uc57d 3\uc5b57,188\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uae08\ucc9c\uad6c<\/td>\n<td>127\uac74<\/td>\n<td>7\uc5b5300\ub9cc\uc6d0<\/td>\n<td>\uc57d 4\uc5b53,793\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc911\ub791\uad6c<\/td>\n<td>310\uac74<\/td>\n<td>7\uc5b54,650\ub9cc\uc6d0<\/td>\n<td>\uc57d 4\uc5b56,741\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uad6c\ub85c\uad6c<\/td>\n<td>357\uac74<\/td>\n<td>7\uc5b55,000\ub9cc\uc6d0<\/td>\n<td>\uc57d 4\uc5b56,980\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\ub178\uc6d0\uad6c<\/td>\n<td>419\uac74<\/td>\n<td>8\uc5b52,000\ub9cc\uc6d0<\/td>\n<td>\uc57d 5\uc5b51,786\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc740\ud3c9\uad6c<\/td>\n<td>298\uac74<\/td>\n<td>8\uc5b55,650\ub9cc\uc6d0<\/td>\n<td>\uc57d 5\uc5b54,320\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc601\ub4f1\ud3ec\uad6c<\/td>\n<td>111\uac74<\/td>\n<td>8\uc5b59,200\ub9cc\uc6d0<\/td>\n<td>\uc57d 5\uc5b56,803\ub9cc\uc6d0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>* \ubb34\uc8fc\ud0dd\uc790\uc758 1\uc8fc\ud0dd \ucde8\ub4dd, \uac10\uba74\u00b7\uc911\uacfc \uc5c6\uc74c, \uc804\uc6a9 85\u33a1 \uc774\ud558, \uc911\uac1c\ubcf4\uc218\uc640 \ubd80\uac00\uc138 \uc0c1\ud55c\uc744 \ubc18\uc601\ud55c \uae30\uc874 \uacc4\uc0b0\uc785\ub2c8\ub2e4. \ub4f1\uae30\u00b7\uc774\uc0ac\u00b7\uc218\ub9ac\ube44\ub294 \uc81c\uc678\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>7\uac1c \uad6c \uac00\uc6b4\ub370 \uc911\uc704\uac00\uaca9\uc774 \uac00\uc7a5 \ub0ae\uc740 \ub3c4\ubd09\uad6c\ub3c4 \uae30\uc900 \ud544\uc694 \ud604\uae08\uc740 \uc57d 3\uc5b57,188\ub9cc\uc6d0\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \ud604\uae08 2\uc5b5\uc6d0\ubcf4\ub2e4 \uc57d 1\uc5b57,188\ub9cc\uc6d0 \ub9ce\uc2b5\ub2c8\ub2e4. \ub9e4\ub9e4\uac00\uac00 12\uc5b5\uc6d0\ubcf4\ub2e4 \ub0ae\ub2e4\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \uacc4\uc57d \uac00\ub2a5\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc2e4\uc81c \uc2b9\uc778 \ub300\ucd9c\uc561\uacfc \ubd80\ub300\ube44\uc6a9\uc744 \uae30\uc900\uc73c\ub85c \ub9e4\uc218 \uc0c1\ud55c\uc744 \ub2e4\uc2dc \uc7a1\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A0%84%EC%84%B8%EC%99%80_%EB%B9%84%EA%B5%90%ED%95%98%EB%A9%B4_%EC%84%A0%ED%83%9D%EC%A7%80%EA%B0%80_%EB%8B%AC%EB%9D%BC%EC%A7%88%EA%B9%8C\"><\/span>\uc804\uc138\uc640 \ube44\uad50\ud558\uba74 \uc120\ud0dd\uc9c0\uac00 \ub2ec\ub77c\uc9c8\uae4c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uac19\uc740 \uae30\uac04 \uc804\uc6a9 84\u33a1\uae09 \uc21c\uc218 \uc804\uc138\ub294 1,813\uac74\uc774\uc5c8\uc2b5\ub2c8\ub2e4. 7\uac1c \uad6c\uc758 \uc804\uc138\ubcf4\uc99d\uae08 \uc911\uc704\uac12\uc740 \ub3c4\ubd09\uad6c 4\uc5b51,000\ub9cc\uc6d0\ubd80\ud130 \uc601\ub4f1\ud3ec\uad6c 6\uc5b58,125\ub9cc\uc6d0\uae4c\uc9c0\uc600\uc2b5\ub2c8\ub2e4. \ud604\uae08 2\uc5b5\uc6d0\ub9cc\uc73c\ub85c \uc804\uc561\uc744 \ub0bc \uc218 \uc788\ub294 \ubc94\uc704\ub294 \uc544\ub2c8\uc9c0\ub9cc, \ud544\uc694\ud55c \ub300\ucd9c \uc6d0\uae08\uc740 12\uc5b5\uc6d0 \ub9e4\uc218 \uc2dc\ub098\ub9ac\uc624\ubcf4\ub2e4 \uc791\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9e4\ub9e4\uc640 \uc804\uc138 \uc911 \uc5b4\ub290 \ucabd\uc774 \ub9de\ub294\uc9c0\ub294 \uc5f0\uc18c\ub4dd, \uc804\uc138\ub300\ucd9c \uc2b9\uc778\uc561\uacfc \uae08\ub9ac, \uc120\uc21c\uc704 \ucc44\uad8c, \uc784\ub300\uc778 \uccb4\ub0a9, \ubcf4\uc99d\ubcf4\ud5d8 \uac00\uc785 \uac00\ub2a5 \uc5ec\ubd80\ub97c \ud655\uc778\ud55c \ub4a4 \ud310\ub2e8\ud574\uc57c \ud569\ub2c8\ub2e4. \ub9e4\ub9e4 \uc911\uc704\uac00\uaca9\uacfc \uc804\uc138 \uc911\uc704\uac12\uc740 \uac19\uc740 \ub2e8\uc9c0\u00b7\ub3d9\u00b7\uce35\uc744 \uc77c\ub300\uc77c\ub85c \uc5f0\uacb0\ud55c \uac12\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub2e8\uc21c \uc804\uc138\uac00\uc728\ub9cc \ubcf4\uace0 \uacc4\uc57d\uc744 \uacb0\uc815\ud558\uae30 \uc5b4\ub824\uc6b4 \uc774\uc720\uc785\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%9D%B4%EB%9F%B0_%EC%82%AC%EB%9E%8C%EC%97%90%EA%B2%8C_%EB%A7%9E%EC%9D%84_%EC%88%98_%EC%9E%88%EB%8B%A4\"><\/span>\uc774\ub7f0 \uc0ac\ub78c\uc5d0\uac8c \ub9de\uc744 \uc218 \uc788\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>\ud604\uae08 2\uc5b5\uc6d0 \uc678\uc5d0 \ucc98\ubd84\ud560 \uc8fc\ud0dd, \uac00\uc871 \uc9c0\uc6d0\uc774\ub098 \ub9cc\uae30 \uc790\uc0b0 \ub4f1 \ucd94\uac00 \uc790\uae30\uc790\uae08\uc774 \uc788\uace0 \ucd9c\ucc98\ub97c \uba85\ud655\ud788 \uc99d\ube59\ud560 \uc218 \uc788\ub294 \uac00\uad6c<\/li>\n<li>\uc5f0\uc18c\ub4dd\uacfc \uae30\uc874 \ubd80\ucc44\ub97c \ub123\uc740 DSR \uc0ac\uc804\uc2ec\uc0ac\uc5d0\uc11c \ud544\uc694\ud55c \ub300\ucd9c \uc2b9\uc778\uc744 \ubc1b\uc740 \uc7a5\uae30 \uc2e4\uac70\uc8fc \uac00\uad6c<\/li>\n<li>12\uc5b5\uc6d0\uc744 \uc0c1\ud55c\uc120\uc73c\ub85c \uace0\uc815\ud558\uc9c0 \uc54a\uace0 7\uac1c \uad6c\uc758 \ub354 \ub0ae\uc740 \uac00\uaca9\ub300\uc640 \uc804\uc138\ub97c \ud568\uaed8 \ube44\uad50\ud560 \uc218 \uc788\ub294 \uac00\uad6c<\/li>\n<\/ul>\n<p>\ud604\uae08 2\uc5b5\uc6d0\uc774 \uc804 \uc7ac\uc0b0\uc774\uace0 \ucd94\uac00 \uc790\uae08\uc774 \uc5c6\ub2e4\uba74 \uacc4\uc57d\uae08\uc744 \ub0bc \uc218 \uc788\ub294\uc9c0\ubcf4\ub2e4 \uc794\uae08\uc774 \uc5bc\ub9c8\ub098 \ubd80\uc871\ud55c\uc9c0\ubd80\ud130 \ubd10\uc57c \ud569\ub2c8\ub2e4. \ub9e4\ub9e4\uac00\ub97c \ub0ae\ucd94\ub354\ub77c\ub3c4 \ube44\uc0c1\uc790\uae08\uae4c\uc9c0 \ubaa8\ub450 \ub123\uc9c0 \uc54a\ub3c4\ub85d \ubcc4\ub3c4 \uc608\uc0b0\uc744 \ub450\ub294 \ud3b8\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B3%84%EC%95%BD_%EC%A0%84%EC%97%90_%ED%99%95%EC%9D%B8%ED%95%A0_%EC%A0%90\"><\/span>\uacc4\uc57d \uc804\uc5d0 \ud655\uc778\ud560 \uc810<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>\uae08\uc735\uae30\uad00 \uc0ac\uc804\uc2ec\uc0ac\ub85c \uc2e4\uc81c \ub300\ucd9c \uc2b9\uc778\uc561, \uae08\ub9ac, \ub9cc\uae30, \uc0c1\ud658\ubc29\uc2dd\uacfc \uc2e4\ud589\uc77c\uc744 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc5f0\uc18c\ub4dd, \uae30\uc874 \ub300\ucd9c, \uc790\ub3d9\ucc28 \ud560\ubd80\ub97c \ud3ec\ud568\ud55c DSR \uacb0\uacfc\ub97c \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li>\uacc4\uc57d\uae08\u00b7\uc911\ub3c4\uae08\u00b7\uc794\uae08\uc77c\uacfc \ub300\ucd9c \uc2e4\ud589\uc77c\uc744 \uacc4\uc57d\uc11c\uc5d0 \ub9de\ucda5\ub2c8\ub2e4.<\/li>\n<li>\uc794\uae08\uc77c \uae30\uc900 \uc8fc\ud0dd \uc218\uc640 \uc0dd\uc560\ucd5c\ucd08 \ub4f1 \ucde8\ub4dd\uc138 \uac10\uba74\u00b7\uc911\uacfc \uc870\uac74\uc744 \uc704\ud0dd\uc2a4\uc5d0\uc11c \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc911\uac1c\ubcf4\uc218 \ud611\uc758\uc561, \ubd80\uac00\uc138, \ub4f1\uae30\u00b7\ucc44\uad8c\u00b7\ubc95\ubb34 \ube44\uc6a9\uc744 \ubcc4\ub3c4 \uacac\uc801\uc73c\ub85c \ubc1b\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uad6d\ud1a0\uad50\ud1b5\ubd80 \uc2e4\uac70\ub798\uac00 \uacf5\uac1c\uc2dc\uc2a4\ud15c\uc5d0\uc11c \uac19\uc740 \ub2e8\uc9c0\u00b7\uba74\uc801\u00b7\uc720\uc0ac \uce35 \uac70\ub798\uc640 \ud574\uc81c\u00b7\uc815\uc815 \uc5ec\ubd80\ub97c \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc11c\uc6b8\uc758 \ud1a0\uc9c0\uac70\ub798\ud5c8\uac00 \ub300\uc0c1 \uc5ec\ubd80, \ud5c8\uac00 \uc808\ucc28\uc640 \uc2e4\uac70\uc8fc \uc870\uac74\uc744 \uad00\ud560 \uad6c\uccad\uc5d0 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li>\ucd5c\uadfc 12\uac1c\uc6d4 \uad00\ub9ac\ube44 \uace0\uc9c0\uc11c, \uaca8\uc6b8 \ub09c\ubc29\ube44, \uccb4\ub0a9, \uc8fc\ucc28\ube44\ub97c \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc804\uc138\ub97c \ube44\uad50\ud55c\ub2e4\uba74 \ub4f1\uae30\ubd80, \uc120\uc21c\uc704 \uad8c\ub9ac, \uc784\ub300\uc778 \uccb4\ub0a9\uacfc \ubcf4\uc99d\ubcf4\ud5d8 \uac00\uc785 \uac00\ub2a5 \uc5ec\ubd80\ub97c \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B2%B0%EB%A1%A0\"><\/span>\uacb0\ub860<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc77c\ubc18 \ubb34\uc8fc\ud0dd\uc790\uac00 \uc11c\uc6b8 \uaddc\uc81c\uc9c0\uc5ed\uc5d0\uc11c LTV 40%\ub97c \uc801\uc6a9\ubc1b\ub294\ub2e4\uba74 \uae30\uc900 \ud544\uc694 \ud604\uae08\uc740 \uc57d 7\uc5b56,752\ub9cc\uc6d0\uc785\ub2c8\ub2e4. \ud604\uae08 2\uc5b5\uc6d0\uc73c\ub85c \uacc4\uc57d\uae08\uc740 \ub0bc \uc218 \uc788\uc9c0\ub9cc \uc57d 5\uc5b56,752\ub9cc\uc6d0\uc5d0 \ub4f1\uae30\u00b7\uc774\uc0ac\ube44 \ub4f1\uc774 \ub354 \ud544\uc694\ud569\ub2c8\ub2e4. \uc740\ud589 \uc0ac\uc804\uc2ec\uc0ac\ub85c \uc2e4\uc81c \ub300\ucd9c\uc561\uc744 \ud655\uc778\ud55c \ub4a4 \ub9e4\ub9e4\uac00\ub97c \ub0ae\ucd94\uac70\ub098 \uac19\uc740 \uae30\uc900\uc73c\ub85c \uc804\uc138\uc640 \ube44\uad50\ud574 \ubcf4\ub294 \uc21c\uc11c\uac00 \ub9de\uc2b5\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EB%8D%B0%EC%9D%B4%ED%84%B0_%EC%B6%9C%EC%B2%98%EC%99%80_%EC%A3%BC%EC%9D%98%EC%82%AC%ED%95%AD\"><\/span>\ub370\uc774\ud130 \ucd9c\ucc98\uc640 \uc8fc\uc758\uc0ac\ud56d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><a href=\"https:\/\/rt.molit.go.kr\/\" target=\"_blank\" rel=\"noopener noreferrer\">\uad6d\ud1a0\uad50\ud1b5\ubd80 \uc2e4\uac70\ub798\uac00 \uacf5\uac1c\uc2dc\uc2a4\ud15c<\/a>: \uc11c\uc6b8 7\uac1c \uad6c \uc804\uc6a9 83\u33a1 \uc774\uc0c1 85\u33a1 \ubbf8\ub9cc \ub9e4\ub9e4\u00b7\uc21c\uc218 \uc804\uc138, \uacc4\uc57d\uc77c 2026\ub144 4\uc6d4 1\uc77c~6\uc6d4 30\uc77c, 2026\ub144 7\uc6d4 21\uc77c \uc870\ud68c<\/li>\n<li>\ub9e4\ub9e4 1,930\uac74\uc740 12\uc5b5\uc6d0 \uc774\ud558\uc774\uba70 \ud574\uc81c \ud45c\uc2dc 9\uac74\uc744 \uc81c\uc678\ud588\uc2b5\ub2c8\ub2e4. \uc804\uc138 1,813\uac74\uc740 \uc6d4\uc138\uae08 0\uc6d0 \uc2e0\uace0\ub9cc \uc9d1\uacc4\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<li><a href=\"https:\/\/www.fsc.go.kr\/no010101\/85432\" target=\"_blank\" rel=\"noopener noreferrer\">\uae08\uc735\uc704\uc6d0\ud68c 2025\ub144 10\uc6d4 15\uc77c \ub300\ucd9c\uc218\uc694 \uad00\ub9ac \uac15\ud654 \ubc29\uc548<\/a>: \uaddc\uc81c\uc9c0\uc5ed LTV 40%, 15\uc5b5\uc6d0 \uc774\ud558 \uc8fc\ud0dd\uc758 \uc8fc\ub2f4\ub300 \ucd1d\uc561 \ud55c\ub3c4 6\uc5b5\uc6d0, \uc218\ub3c4\uad8c\u00b7\uaddc\uc81c\uc9c0\uc5ed \uc2a4\ud2b8\ub808\uc2a4 \uae08\ub9ac \ud558\ud55c 3%\ud3ec\uc778\ud2b8<\/li>\n<li><a href=\"https:\/\/www.fsc.go.kr\/po020201\/85518\" target=\"_blank\" rel=\"noopener noreferrer\">\uae08\uc735\uc704\uc6d0\ud68c \ub300\ucd9c\uc218\uc694 \uad00\ub9ac \ubc29\uc548 FAQ<\/a>: LTV\u00b7\uc8fc\ud0dd\uac00\uaca9\ubcc4 \ud55c\ub3c4\u00b7\uc2a4\ud2b8\ub808\uc2a4 DSR\uc758 \uc801\uc6a9 \ub300\uc0c1\uacfc \uacbd\uacfc\uaddc\uc815<\/li>\n<li><a href=\"https:\/\/www.fsc.go.kr\/po020201\/85466\" target=\"_blank\" rel=\"noopener noreferrer\">\uae08\uc735\uc704\uc6d0\ud68c 10.15 \uc8fc\ud0dd\uc2dc\uc7a5 \uc548\uc815\ud654 \ub300\ucc45 FAQ<\/a>: \uc77c\ubc18 \ucc28\uc8fc\uc640 \uc0dd\uc560\ucd5c\ucd08 \uad6c\ub9e4\uc790\uc758 \uaddc\uc81c\uc9c0\uc5ed LTV \uad6c\ubd84<\/li>\n<li><a href=\"https:\/\/www.wetax.go.kr\/tcp\/loi\/J030801M01.do\" target=\"_blank\" rel=\"noopener noreferrer\">\uc704\ud0dd\uc2a4 \uc9c0\ubc29\uc138 \ubbf8\ub9ac\uacc4\uc0b0<\/a>: \uacc4\uc57d \uc804 \ucde8\ub4dd\uc138 \uc7ac\ud655\uc778\uc6a9<\/li>\n<li><a href=\"https:\/\/land.seoul.go.kr\/land\/broker\/brokerageCommission.do\" target=\"_blank\" rel=\"noopener noreferrer\">\uc11c\uc6b8\uc2dc \ubd80\ub3d9\uc0b0 \uc911\uac1c\ubcf4\uc218 \uc694\uc728\ud45c<\/a>: 12\uc5b5\uc6d0 \uc774\uc0c1 15\uc5b5\uc6d0 \ubbf8\ub9cc \ub9e4\ub9e4 \uc0c1\ud55c\uc694\uc728 0.6%\uc640 \ubd80\uac00\uc138 \ubcc4\ub3c4 \uc870\uac74<\/li>\n<li>\ub300\ucd9c \uacc4\uc0b0: \uc5f0 4.0%, 30\ub144, \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658 \ube44\uad50 \uac00\uc815. 2026\ub144 7\uc6d4 23\uc77c \uacc4\uc0b0<\/li>\n<li>\uad00\ub9ac\ube44: \uc11c\uc6b8 7\uac1c \ub300\ud45c \ub2e8\uc9c0\uc758 2026\ub144 1~5\uc6d4 \uacf5\uac1c \ub2e8\uac00 \ub2e8\uc21c \ud658\uc0b0 \ubc94\uc704\uc774\uba70, \ud6c4\ubcf4 \ub2e8\uc9c0\uc758 \uc2e4\uc81c \uad00\ub9ac\ube44\uac00 \uc544\ub2d9\ub2c8\ub2e4.<\/li>\n<li>\uc2e0\uace0 \uc9c0\uc5f0, \uac70\ub798 \ud574\uc81c\u00b7\uc815\uc815, \uc138\ubc95\u00b7\ub300\ucd9c \uaddc\uc815 \ubcc0\uacbd\uc5d0 \ub530\ub77c \uc218\uce58\uac00 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<blockquote>\n<p><strong>\uc790\ub8cc \uae30\uc900<\/strong><\/p>\n<ul>\n<li>\ub9e4\ub9e4 \ub370\uc774\ud130: \uad6d\ud1a0\uad50\ud1b5\ubd80 \uc544\ud30c\ud2b8 \uc2e4\uac70\ub798\uac00 API, \uacc4\uc57d\uc77c 2026\ub144 4\uc6d4 1\uc77c~6\uc6d4 30\uc77c, 2026\ub144 7\uc6d4 21\uc77c \uc870\ud68c<\/li>\n<li>\uc804\uc6d4\uc138 \ub370\uc774\ud130: \uac19\uc740 \uae30\uac04 \uc6d4\uc138\uae08 0\uc6d0\uc778 \uc21c\uc218 \uc804\uc138 \uc2e0\uace0, 2026\ub144 7\uc6d4 21\uc77c \uc870\ud68c<\/li>\n<li>\uad00\ub9ac\ube44 \ub370\uc774\ud130: \uc11c\uc6b8 7\uac1c \uad6c \ub300\ud45c \ub2e8\uc9c0\uc758 2026\ub144 1~5\uc6d4 \uacf5\uac1c \ub2e8\uac00\ub97c \uc804\uc6a9 84\u33a1\ub85c \ub2e8\uc21c \ud658\uc0b0\ud55c \uae30\uc874 \uc870\uc0ac<\/li>\n<li>\uacc4\uc0b0 \uae30\uc900\uc77c: 2026\ub144 7\uc6d4 23\uc77c<\/li>\n<li>\uacc4\uc0b0 \uac00\uc815: \ub9e4\ub9e4\uac00 12\uc5b5\uc6d0, \ud604\uae08 2\uc5b5\uc6d0, \ubb34\uc8fc\ud0dd\uc790\uc758 1\uc8fc\ud0dd \ucde8\ub4dd, \uc804\uc6a9 84\u33a1, \uac10\uba74\u00b7\uc911\uacfc \uc5c6\uc74c, \uacc4\uc57d\uae08 10%, \uc5f0 4.0%\u00b730\ub144 \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658<\/li>\n<li>\uc8fc\uc758: \uc18c\ub4dd, \uae30\uc874 \ubd80\ucc44, \uc8fc\ud0dd \uc218, \uc0dd\uc560\ucd5c\ucd08 \uc5ec\ubd80, \ub2f4\ubcf4\uac00\uce58\uc640 \uae08\uc735\uae30\uad00 \uc2ec\uc0ac\uc5d0 \ub530\ub77c \uc138\uae08\uacfc \uc2e4\uc81c \ub300\ucd9c\uc561\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"%ED%95%A8%EA%BB%98_%EB%B3%B4%EB%A9%B4_%EC%A2%8B%EC%9D%80_%EA%B8%80\"><\/span>\ud568\uaed8 \ubcf4\uba74 \uc88b\uc740 \uae00<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><a href=\"https:\/\/zipreport.kr\/?p=328\" target=\"_blank\" rel=\"noopener noreferrer\">\uc11c\uc6b8 12\uc5b5 \uc774\ud558 84\u33a1 \uc544\ud30c\ud2b8 \uac70\ub798\ub7c9 \uc21c\uc704: \ub178\uc6d0\u00b7\uad6c\ub85c\u00b7\uc911\ub791 \ube44\uad50<\/a><\/li>\n<li><a href=\"https:\/\/zipreport.kr\/?p=312\" target=\"_blank\" rel=\"noopener noreferrer\">\ud604\uae08 2\uc5b5\uc73c\ub85c 9\uc5b5 \uc544\ud30c\ud2b8 \uac00\ub2a5\ud560\uae4c? \ub300\ucd9c\ud55c\ub3c4\u00b7\ud544\uc694 \ud604\uae08 \uacc4\uc0b0<\/a><\/li>\n<li><a href=\"https:\/\/zipreport.kr\/?p=306\" target=\"_blank\" rel=\"noopener noreferrer\">\ud604\uae08 1\uc5b5\uc73c\ub85c 7\uc5b5 \uc544\ud30c\ud2b8 \uc0b4 \uc218 \uc788\uc744\uae4c? \ucd5c\uc18c \ud544\uc694 \ud604\uae08\u00b7\uc6d4 \uc6d0\ub9ac\uae08 \uacc4\uc0b0<\/a><\/li>\n<li><a href=\"https:\/\/zipreport.kr\/?p=107\" target=\"_blank\" rel=\"noopener noreferrer\">\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8 \uac00\uc785 \uc548 \ub418\ub294 \uc9d1 7\uac00\uc9c0<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\ud604\uae08 2\uc5b5\uc6d0\uc73c\ub85c \uc11c\uc6b8 12\uc5b5\uc6d0 \uc544\ud30c\ud2b8\ub97c \uacc4\uc57d\ud560 \ub54c \ud544\uc694\ud55c \uc790\uae30\uc790\uae08, \ucde8\ub4dd\uc138, \uc911\uac1c\ubcf4\uc218\uc640 \uc6d4 \uc6d0\ub9ac\uae08\uc744 2026\ub144 7\uc6d4 23\uc77c \uae30\uc900\uc73c\ub85c \uacc4\uc0b0\ud588\uc2b5\ub2c8\ub2e4. \uc11c\uc6b8 7\uac1c \uad6c \uc804\uc6a9 84\u33a1\uae09 \uc2e4\uac70\ub798 \uc790\ub8cc\uc640 \uc804\uc138 \uc120\ud0dd\uc9c0\ub3c4 \ud568\uaed8 \ube44\uad50\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":332,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_title":"\ud604\uae08 2\uc5b5\uc73c\ub85c \uc11c\uc6b8 12\uc5b5 \uc544\ud30c\ud2b8 \uc0b4 \uc218 \uc788\uc744\uae4c? \uacc4\uc57d\uae08\u00b7\ucde8\ub4dd\uc138\u00b7\ub300\ucd9c\uc774\uc790 \uacc4\uc0b0","rank_math_description":"\ud604\uae08 2\uc5b5\uc6d0\uc73c\ub85c \uc11c\uc6b8 12\uc5b5\uc6d0 \uc544\ud30c\ud2b8\ub97c \uacc4\uc57d\ud560 \ub54c \ud544\uc694\ud55c \uc790\uae30\uc790\uae08, \ucde8\ub4dd\uc138, \uc911\uac1c\ubcf4\uc218\uc640 \uc6d4 \uc6d0\ub9ac\uae08\uc744 2026\ub144 7\uc6d4 23\uc77c \uae30\uc900\uc73c\ub85c \uacc4\uc0b0\ud588\uc2b5\ub2c8\ub2e4. \uc11c\uc6b8 7\uac1c \uad6c \uc804\uc6a9 84\u33a1\uae09 \uc2e4\uac70\ub798 \uc790\ub8cc\uc640 \uc804\uc138 \uc120\ud0dd\uc9c0\ub3c4 \ud568\uaed8 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