ε , 系 ݹߡ

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  • 2024. 11. 26(ȭ)
ž
ε , 系 ݹߡ
μ 2%1 12 絵
  • Է : 2021. 05.27() 20:07
㼭 걸 꿡 ٶ Ʈ
47 纸ȼ з ε ν ǰ Ҿִ 27 , ð Ѹ ε å Ҵ.
պε꼼(μ) ε δ ȭϰ Ǽ ϰڴٴ Ʈ.
Ҹ Ȳ ð ޵ δ ڰ ڵ鸶 纸 ̾ٴ Ǵ Ͽ Ϻ å ȸ Ǯ̵ȴ.
ִ εƯȸ ǥ ̳ å ǿȸ ý ޡ ǥߴ.
ȸ ȸ߿ " ΰ Ȯ Ȳ μ ؼ ް ε ¿ ñ , ȭߴ" " Ϻ ݸ 갡ġ µ ߰ ׷ ˹ߵ ν 纸 Ÿٴ ν Ͽ ̹ ߴ" .
׷ ' ȭϰ ŷ ȭѴ' ε å ȴٴ 系 ݹ ġ ٰ ο ð ʾ ȴ.

߻ 2% μ ΰ 絵 ص 912 ȭ
ִ εƯ 켱 о߿ ŷ 絵ҵ漼 Ӹ ƴ϶ μ 꼼 δ㵵 ȭŰ ߴ.
꼼 ׵ 系 ̰ ũ ʾҴ ŭ 11ڿ 氨 0.05%Ʈ 6 Ͽ 9 Ϸ ϴ Ȯƴ.
̿ 6~9 0.35% Ưʼ Ǹ ̷ 꼼 18 44 782 εƯ ߻ߴ.
ƴ 11ڿ μ ð 9 2% '' Ű ߴ.
" öµ 1 μ 2009 Ե ״ Ǵٺ 6 ̻ þ. õ 2009⿡ 0.6%̾µ θ 3.7% "̶ ߴ.
̾ " ʰ , Ʈ, ǽ, ټ ļ ε ִ 2% ų ǥ ȭ ݾ ǥϰ ϸ Ͼ 鼭 Ҽ ε ٺڿԸ ѵȴٴ ־ ǰ ִ ִ" .
絵ҵ漼 ؼ 11 رݾ 9 12 Ű ߴ.
11ڰ Ⱓ ϸ Ⱓ 絵 ޸ ְ ִ ⺸Ư 80% ִ Ѽ 絵 Ը𺰷 ޸ Ű ߴ. ü ȹο ̴.
"(絵 ȭ) ֺٴ ʶ ä þ  ̳Ĵ ƴ" " Ŀ ѵ ٿ Ϳ δ ִ ´ٴ Ǵ"̶ ߴ.

Ӵ Ź
Դڵ ִ Ź 忡 ϱ ϴ ȵ .
" 7 Ӵ 3 ȭ پ ȮǸ鼭 Ӵڿ , ׷ Ź , ְ  Ŀ Ұ" ߴ.
̿ ִ ǼӴ ϵ Ӵ Ʈ Ӹ ƴ϶ ű Ű ߴ.
2020 7 Ӵڿ ؼ 絵 ߰ 6 ȸ ְ ĺʹ ŸŽ 絵 ȭϱ ߴ.
Ӵڿ μ ջ ǹӴⰣ ΰϵ Ⱓ ߰ Ѵٴ ħ̴.
εƯ ̰ Ӵ 65 20% 13 忡 Ź ߴ.

LTV 10%20%p Ȯ롦ҵ桤ð ص ȭ
о߿ ΡǼڿ LTV 10%Ʈ 20%Ʈ ȮŰ ߴ.
LTV ⡤ 40%, 50% Ǵµ ֿԴ 10%Ʈ ְ ִ. ⿡ 10%Ʈ ÷شٴ ̴.
LTV ޴ κջ ҵ 8000(ʱ 9000) 9000(ʱ 1) 1000 ߴ.
⡤ 6 , 5 Ϸ ִ LTV ñص 9 , 8 Ϸ 3 ȭߴ.
ִѵ 4 ִ Ѻäݻȯ(DSR) ѵ ̳ Ѵ.
̿ 48000¥ Ѵٰ 28800 ϸ 8 ִ ѵ 4 ϴ. 24000, 32000 ȴ.
̿ εƯ¡ñ Ưʺ û 1δ ѵ 70001 Ȯ 57 Ȯ 㺸ڸ ѵ 336000 û, ȥκ ְ ߰ Ҵ.

û⡤ȥκ 1, ù 1 ߰
о߿ ؼ 3 ŵÿ 24 å 181 205 ްȹ ǵ ű ް Թ ޹ħѴٴ ȹ̴.
Ҿִ ȣ ǥ ǿ 27 ǵ ȸ ε åǿȸ Ƿʸ ϰ ִ. ()
߰ ޴å Ҵ. ü հߺ Ÿ û⡤ȥκ 1 ϰ ü '' Ʈ ù 1 Ը Ѵٴ ̴.
ִ ۿ ǥ Ʈ ȥκγ ñڰ 6~20% 10Ⱓ Ӵ ֽ о޵ Ѵٴ ̴.
εƯ ޺а ǿ ڵ ù "⵵ ü 8 ǻ簡 ְ õ ֿ ǽ "̶ ߴ.
δ ɳ , , Ʒ, ü Ȱ Ը ߱Ѵٴ ȹ̴. 3 ŵ ü հ ð Ȯ뵵 Ѵ.
Ȯ å Ѹ ߽ ȹ, 䱳, , ǰ ó ϴ յ ½ũ(TF)  ħ̴.
"ֱ ¼ , Ư 2030 ̵ ް ְ ٸ ر ǰ ũ ݺ ȹ ȮؾѴٴ 系 ǰ " " å Ե Ӵκо, , Ͱ Ȯϴ å 6 ٽ ǥϰڴ" ߴ.

ߺ ȭ ࡦӴ ٲٱ⵵
ִ 30 û ȸǿ ̹ ε å Ѵٴ ħ̴.
׷ ȭ Ģ Žٴ 系 ݹ ϰ μ ξȰ Ŀ ȴ.
̳ å ǥ ִ å ѿ μ δ ȭ 'ڰ' ݴ ǰ ʾҴٰ Ѵ.
ξȵ μ ϵ ⵵ ҵ 3000 60 ̻ 1 ǰڿ ú 尡 90% 1 10 ̻ ְ 10% ż å ̾ ̰ .
εƯ å а ǿ ȭ ε ߳ ƴϳĴ " ̾߱ϴ ȭ 11 ̴. 11 ǰڴ 44% μ δ þ ǰ 꼼 쵵 30% ̰ ִ" "μ ڵ 667000 ش 100 δ ۿ ־ 11 ȣ "̶ ߴ.
εƯ 絵 μ ؼ ûȸ ȭ Ǹ ϸ å ϰų Ư ߽ 6 Ѵٴ ħ̴.
"εƯ ȴ 6 ݵ Թ ž߸ 11 μ ִ. 6 ȿ () ׷ ϰ ׷ " ߴ.
絵 ؼ "ο 絵 ǰ ̰ ִ ƴ ΰ ó ⺸Ư 絵 Ը𺰷 ѵ ϴ "̶ "ʿ ̿ ʿϴٰ ؼ ġ鼭 "̶ ߴ.
ϰ ѱ رݸ λ û  LTV ȭ ä ȴٴ ´.
̿ " ڵ "̶鼭 " ؼ ѿ ǰ ־ (۷ι ݸλ ݸ) ȭ װͱ ؼ 籹 ̶ Ѵ" ߴ.
ΰ ɱ ƳҴ ΰ Ӵ Ȱȭ å ִ 'ٲٱ' ȴ.
δ Ӵ ȭ ǥ 2017 Ӵ Ȱȭ å ؿԴ. ׷ 2018 Ӵ Ͻ 漼, 꼼 ̿ ü ø ڰ ð ִٴ Ǵܿ ݾ ٿ Դ.
⿡ ִ ̹ ġ ȭ Ӵ Ȱȭ å Ҹ Ѿ ǻ ٴ 򰡴.
̿ "(Ӵڿ ) 6 ŷ ȣ å غ ְǰ Ź Ÿ ε ½Ű ƴ" "(Ӵ) Ϳ 氨 å ʴ ƴϳĴ Ǵܿ Ưʴ εϰ ʿ䰡 ִ" ߴ.
״ "ѿ (Ӵ Ӹ ƴ϶) ǼӴ뵵 ״ δٺ ʹ ũϱ ðǼ ڵ о ̰ Ӵ ȣϴ ۿ ְ ־ ̿ û ־" ǼӴ뿡 ҡ ɼ ŷߴ.





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