{"id":1482,"date":"2026-04-28T15:24:13","date_gmt":"2026-04-28T15:24:13","guid":{"rendered":"https:\/\/ilx.kr\/?p=1482"},"modified":"2026-04-28T15:24:15","modified_gmt":"2026-04-28T15:24:15","slug":"%ec%83%9d%ec%95%a0%ec%b5%9c%ec%b4%88-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ec%a1%b0%ea%b1%b4-%ed%99%95%ec%9d%b8","status":"publish","type":"post","link":"http:\/\/ilx.kr\/?p=1482","title":{"rendered":"\uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc870\uac74 \ud655\uc778"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">\u2714 \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc870\uac74 (2026 \uae30\uc900 \ud575\uc2ec \uc815\ub9ac)<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\ud5f7\uac08\ub9ac\ub294 \ubd80\ubd84 \ub9ce\uc544\uc11c<br>\ud83d\udc49 <strong>\uc2e4\uc81c\ub85c \ud1b5\uacfc \uae30\uc900\ub9cc \ub531 \uc815\ub9ac<\/strong>\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2714 \ud55c \uc904 \uacb0\ub860<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>\ubb34\uc8fc\ud0dd + \uc18c\ub4dd\u00b7\uc790\uc0b0 \uae30\uc900 + \uc9d1 \uac00\uaca9 \uc870\uac74<\/strong><br>\ud83d\udc49 \uc774 3\uac1c \ub9de\uc73c\uba74 \uac00\ub2a5<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83d\udd25 1. \uac00\uc7a5 \uc911\uc694\ud55c \uc870\uac74 (\ud544\uc218)<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2714 \u2460 \ubb34\uc8fc\ud0dd \uc694\uac74<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uac00\uc7a5 \ud575\uc2ec<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubcf8\uc778 + \ubc30\uc6b0\uc790 + \uc138\ub300\uc6d0<br>\ud83d\udc49 <strong>\uc804\uc6d0 \ubb34\uc8fc\ud0dd<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uacfc\uac70\uc5d0\ub3c4 \uc9d1 \uc788\uc73c\uba74 \ud0c8\ub77d<br>\ud83d\udc49 (\uc0dd\uc560 \u201c\ucd5c\ucd08\u201d \uae30\uc900) <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2714 \u2461 \uc18c\ub4dd \uae30\uc900<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \ub300\ud45c \uc815\ucc45\ub300\ucd9c \uae30\uc900<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc77c\ubc18: \uc5f0\uc18c\ub4dd 6\ucc9c\ub9cc\uc6d0 \uc774\ud558<\/li>\n\n\n\n<li>\uc0dd\uc560\ucd5c\ucd08: \uc57d 7\ucc9c\ub9cc\uc6d0 \uc774\ud558<\/li>\n\n\n\n<li>\uc2e0\ud63c\ubd80\ubd80: \ucd5c\ub300 8,500\ub9cc\uc6d0<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2714 \u2462 \uc790\uc0b0 \uae30\uc900<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc21c\uc790\uc0b0 \uae30\uc900<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc57d <strong>5\uc5b5 \uc815\ub3c4 \uc774\ud558<\/strong> <\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83d\udd25 2. \uc9d1 \uc870\uac74 (\uc774\uac70 \ud2c0\ub9ac\uba74 \ubc14\ub85c \ud0c8\ub77d)<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2714 \uc8fc\ud0dd \uac00\uaca9<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubcf4\ud1b5 <strong>5\uc5b5 \uc774\ud558 (\uc2e0\ud63c 6\uc5b5)<\/strong> <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc815\ucc45\ub300\ucd9c \uae30\uc900<br>\ud83d\udc49 \uc77c\ubc18 \uc740\ud589\uc740 \ub354 \ub192\uc744 \uc218 \uc788\uc74c<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2714 \uba74\uc801<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc804\uc6a9 85\u33a1 \uc774\ud558<br>\ud83d\udc49 (\uc9c0\ubc29\uc740 100\u33a1 \uac00\ub2a5)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83d\udd25 3. \ub300\ucd9c \uac00\ub2a5 \ubc94\uc704 (\ud575\uc2ec \ud61c\ud0dd)<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2714 LTV (\ub300\ucd9c \ube44\uc728)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc77c\ubc18\ubcf4\ub2e4 \uc720\ub9ac<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ucd5c\ub300 <strong>70%~80%\uae4c\uc9c0 \uac00\ub2a5<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc77c\ubc18\ubcf4\ub2e4 \ucd5c\ub300 +30%p \uc720\ub9ac<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2714 DTI \/ DSR<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DTI: \uc57d 60%<\/li>\n\n\n\n<li>DSR: \uc2e4\uc81c \uc2ec\uc0ac \uae30\uc900 \uc801\uc6a9<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc18c\ub4dd \ub0ae\uc73c\uba74 \ud55c\ub3c4 \uc904\uc5b4\ub4e6<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2714 \ub300\ucd9c \ud55c\ub3c4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \ub300\ud45c \uae30\uc900<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc77c\ubc18: \uc57d 2\uc5b5<\/li>\n\n\n\n<li>\uc0dd\uc560\ucd5c\ucd08: \uc57d 2.4\uc5b5<\/li>\n\n\n\n<li>\uc2e0\ud63c: \ucd5c\ub300 3~4\uc5b5<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83d\udd25 4. \uae08\ub9ac (\ud575\uc2ec \uc7a5\uc810)<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc815\ucc45\ub300\ucd9c \uae30\uc900<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc57d <strong>2~3%\ub300<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc77c\ubc18 \uc8fc\ub2f4\ub300\ubcf4\ub2e4 \ub0ae\uc74c<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83d\udd25 5. \uaf2d \uc54c\uc544\uc57c \ud558\ub294 \ud575\uc2ec \ud3ec\uc778\ud2b8<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2714 \uc0dd\uc560\ucd5c\ucd08 \uc7a5\uc810<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc77c\ubc18\ubcf4\ub2e4<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 LTV \ub354 \ub192\uc74c<br>\u2714 \ud55c\ub3c4 \ub354 \ud07c<br>\u2714 \uae08\ub9ac \ub0ae\uc74c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \u201c\ub300\ucd9c \uc870\uac74\uc774 \ud655\uc2e4\ud788 \uc720\ub9ac\u201d<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2757 \ud558\uc9c0\ub9cc \ud604\uc2e4 \ud568\uc815<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \ub9ce\uc774\ub4e4 \uc5ec\uae30\uc11c \ub9c9\ud798<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DSR \ub54c\ubb38\uc5d0 \ud55c\ub3c4 \uc81c\ud55c<\/li>\n\n\n\n<li>\uc18c\ub4dd \ubd80\uc871\ud558\uba74 \uc2b9\uc778 \uc5b4\ub824\uc6c0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc2e4\uc81c\ub85c \u201c\uc774\ub860\ubcf4\ub2e4 \ub35c \ub098\uc624\ub294 \uacbd\uc6b0 \ub9ce\uc74c\u201d<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2714 \ud604\uc2e4 \uccb4\ud06c \uae30\uc900 (\uac04\ub2e8)<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc544\ub798 3\uac1c\ub9cc \ubcf4\uba74 \ub428<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 \ubb34\uc8fc\ud0dd\uc778\uac00<br>\u2714 \uc18c\ub4dd 7\ucc9c \uc774\ud558\uc778\uac00<br>\u2714 \uc9d1\uac12 5~6\uc5b5 \uc774\ud558\uc778\uac00<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc774 3\uac1c OK \u2192 \uac00\ub2a5\uc131 \ub192\uc74c<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2714 \uacb0\ub860<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ub2f4\ub300\ub294<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 \uc870\uac74\ub9cc \ub9de\uc73c\uba74 \ud61c\ud0dd \ud07c<br>\u2714 \ub300\uc2e0 DSR \ub54c\ubb38\uc5d0 \uc2e4\uc81c \ud55c\ub3c4\ub294 \ub2ec\ub77c\uc9d0<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud55c \uc904 \uc815\ub9ac<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>\u201c\ubb34\uc8fc\ud0dd + \uc18c\ub4dd + \uc9d1\uac12 3\uac1c\ub9cc \ub9de\uc73c\uba74 \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ub2f4\ub300 \uac00\ub2a5\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"<p>\u2714 \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc870\uac74 (2026 \uae30\uc900 \ud575\uc2ec \uc815\ub9ac) \ud5f7\uac08\ub9ac\ub294 \ubd80\ubd84 \ub9ce\uc544\uc11c\ud83d\udc49 \uc2e4\uc81c\ub85c \ud1b5\uacfc \uae30\uc900\ub9cc \ub531 \uc815\ub9ac\ud574\ub4dc\ub9bd\ub2c8\ub2e4. \u2714 \ud55c \uc904 \uacb0\ub860 \ud83d\udc49 \ubb34\uc8fc\ud0dd + \uc18c\ub4dd\u00b7\uc790\uc0b0 \uae30\uc900 + \uc9d1 \uac00\uaca9 \uc870\uac74\ud83d\udc49 \uc774 3\uac1c \ub9de\uc73c\uba74 \uac00\ub2a5 \ud83d\udd25 1. \uac00\uc7a5 \uc911\uc694\ud55c \uc870\uac74 (\ud544\uc218) \u2714 \u2460 \ubb34\uc8fc\ud0dd \uc694\uac74 \ud83d\udc49 \uac00\uc7a5 \ud575\uc2ec \ud83d\udc49 \uacfc\uac70\uc5d0\ub3c4 \uc9d1 \uc788\uc73c\uba74 \ud0c8\ub77d\ud83d\udc49 (\uc0dd\uc560 \u201c\ucd5c\ucd08\u201d \uae30\uc900) \u2714 &#8230; <a title=\"\uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc870\uac74 \ud655\uc778\" class=\"read-more\" href=\"http:\/\/ilx.kr\/?p=1482\" aria-label=\"More on \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc870\uac74 \ud655\uc778\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1482","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"http:\/\/ilx.kr\/index.php?rest_route=\/wp\/v2\/posts\/1482","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/ilx.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/ilx.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/ilx.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/ilx.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1482"}],"version-history":[{"count":1,"href":"http:\/\/ilx.kr\/index.php?rest_route=\/wp\/v2\/posts\/1482\/revisions"}],"predecessor-version":[{"id":1483,"href":"http:\/\/ilx.kr\/index.php?rest_route=\/wp\/v2\/posts\/1482\/revisions\/1483"}],"wp:attachment":[{"href":"http:\/\/ilx.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1482"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/ilx.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1482"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/ilx.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1482"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}