{"id":1042,"date":"2021-04-13T11:10:56","date_gmt":"2021-04-13T18:10:56","guid":{"rendered":"https:\/\/usezloan.com\/?p=1042"},"modified":"2021-04-13T11:10:56","modified_gmt":"2021-04-13T18:10:56","slug":"loan-18","status":"publish","type":"post","link":"https:\/\/usezloan.com\/index.php\/2021\/04\/13\/loan-18\/","title":{"rendered":"\uc735\uc790\uc9c0\uc2dd 21- \ub300\ucd9c \uc2ec\uc0ac \uae30\uc900 2"},"content":{"rendered":"<p><strong><span style=\"font-size: 14pt;\">\ub300\ucd9c \uc2ec\uc0ac \uae30\uc900<\/span><\/strong><\/p>\n<p><strong><span style=\"font-size: 14pt;\">\ub300\ucd9c \uc2ec\uc0ac\uae30\uc900\uc740 \uc735\uc790\uc758 \uc885\ub958\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uc77c\ubc18 \uc8fc\ud0dd\uc735\uc790\uc740\ud589\uc740 \uc735\uc790\uae08\uc744 \ub300\ucd9c\ud574 \uc904 \ub54c \ud328\ub2c8\ub9e4 \ub610\ub294 \ud504\ub808\ub514\ub9e4 (Fannie Mae\uacfc Freddie Mae)\ub77c\ub294 \ub450 \uad6d\ucc45\uc9c0\uc6d0\uae30\uad00\uc5d0\uc11c \uc815\ud574\ub454 \uc735\uc790\ub300\ucd9c \uc9c0\uce68\uc11c\ub97c \uae30\uc900\uc73c\ub85c \ub300\ucd9c \uac00\ubd80\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4. \uc774 \ub450 \uae30\uad00\uc774 2\ucc28 \ubaa8\uae30\uc9c0 \uc2dc\uc7a5\uc5d0\uc11c \uc77c\ubc18 \uc8fc\ud0dd\uc735\uc790\uc740\ud589\uc774 \ubc1c\ud589\ud55c \ubaa8\uae30\uc9c0\ub97c \ub9e4\uc785\ud574\uc8fc\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc774 \ub54c \uc8fc\uc694\ud55c \uc2ec\uc0ac \uae30\uc900\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/span><\/strong><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\uc14b\uc9f8, \uc9c1\uc7a5\uacfc \uc218\uc785\uc744 \ubd05\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \ub300\ucd9c\uc790\uc758 \uace0\uc6a9\ud655\uc778\uc11c (VOE : Verification of Employment)\ub97c \uc694\uad6c\ud558\ub294\ub370 \ud55c \uc9c1\uc7a5\uc5d0\uc11c 2\ub144 \uc774\uc0c1 \uc77c\ud558\uace0 \uc788\uc73c\uba74 \uc88b\uc2b5\ub2c8\ub2e4. \uc784\uae08\uc744 \ubc1b\uc740 W-2\uc11c\uc2dd\uacfc \ucd5c\uadfc 1\uac1c\uc6d4 \uacf5\uacfc\uae08 \ub0a9\ubd80 \uc601\uc218\uc99d\uacfc \ub144\uac04 \uc138\uae08\ubcf4\uace0\uc11c\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\ub137\uc9f8, \ub300\ucd9c\uc790\uc758 \uc608\uae08 \uc0c1\ud0dc\ub97c \ubd05\ub2c8\ub2e4. \uc740\ud589\uc758 \uc608\uae08\ud655\uc778\uc11c (VOD : Verification of Deposit)\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. \uad6c\uc88c\uc5d0 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uae08\uc561\uacfc 2\ub2ec \uc815\ub3c4\uc758 \uc6d4 \ud398\uc774\uba3c\ud2b8 \ube44\uc6a9, \uc735\uc790\uae08 \uc218\uc218\ub8cc\ub97c \ub0bc \uc218 \uc788\ub294 \uc774\uc0c1\uc758 \uae08\uc561\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\ub2e4\uc12f\uc9f8, \uc8fc\ud0dd\uac00\uaca9\uc5d0 \ub300\ud55c \uc735\uc790\ube44\uc728(LTV)\ub97c \ubd05\ub2c8\ub2e4. \uc774\ub294 \ub2e4\uc6b4 \ud398\uc774\uba3c\ud2b8\ub97c \uc5bc\ub9c8\ub098 \ud558\ub294\uc9c0\ub97c \ubcf4\ub294 \uac83\uc785\ub2c8\ub2e4. \ucd5c\uc18c 20%\uc774\uc0c1 \ud574\uc57c \uc88b\uc9c0\ub9cc 3%\uc774\uc0c1\ub9cc \ud574\ub3c4 \uc735\uc790\ub294 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774 \uc735\uc790\ube44\uc728(LTV)\uc774 \ub192\uc73c\uba74 \uc740\ud589\uc758 \uc704\ud5d8 \ubd80\ub2f4\uc774 \ucee4\uc9c0\uae30 \ub54c\ubb38\uc5d0 \ub192\uc740 \uc774\uc790\ub97c \ubd80\uacfc \ubc1b\uc2b5\ub2c8\ub2e4.<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\uc5ec\uc12f\uc9f8, \uc8fc\ud0dd \uac10\uc815\uc11c\ub958\ub97c \ubd05\ub2c8\ub2e4. \uc740\ud589\uc740 \uc8fc\ud0dd\uac00\uaca9\ubcf4\ub2e4 \uc2dc\uc7a5\uac00\uaca9\ub9cc \ubcf4\uae30 \ub54c\ubb38\uc5d0 \uac10\uc815\uac00\uaca9\uc774 \uc911\uc694\ud558\uace0 \uc774 \uac10\uc815\uac00\uaca9\uc774 \ub300\ucd9c\uae08\uc744 \uacb0\uc815\ud569\ub2c8\ub2e4. \uac10\uc815\uac00\uaca9\uc774 \uc8fc\ud0dc \uad6c\uc785\uac00\uaca9\ubcf4\ub2e4 \ub0ae\uc744 \uacbd\uc6b0, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \ub354 \ud574\uc57c \ud560 \uacbd\uc6b0\ub3c4 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\uc77c\uacf1\uc9f8, \uc735\uc790\uc2dc \ud544\uc694\ud55c \uc11c\ub958\ub97c \ubd05\ub2c8\ub2e4. \ubd88\ucda9\ubd84\ud55c \uc11c\ub958\ub294 \uc735\uc790 \uc2ec\uc0ac\ub97c \uc9c0\uc5f0\uc2dc\ud0a4\uae30 \ub54c\ubb38\uc5d0 \uc735\uc790\uc2e0\uccad\uc11c\ub958\ub294 \uaf3c\uaf3c\ud558\uac8c \uc790\uc138\ud788 \uae30\uc785\ud574\uc57c \ud558\uba70 \ubd80\uc871\ud558\uba74 \ubcf4\ucda9\uc124\uba85\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub300\ucd9c \uc2ec\uc0ac \uae30\uc900 \ub300\ucd9c \uc2ec\uc0ac\uae30\uc900\uc740 \uc735\uc790\uc758 \uc885\ub958\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uc77c\ubc18 \uc8fc\ud0dd\uc735\uc790\uc740\ud589\uc740 \uc735\uc790\uae08\uc744 \ub300\ucd9c\ud574 \uc904 \ub54c \ud328\ub2c8\ub9e4 \ub610\ub294 \ud504\ub808\ub514\ub9e4 (Fannie Mae\uacfc Freddie Mae)\ub77c\ub294 \ub450 \uad6d\ucc45\uc9c0\uc6d0\uae30\uad00\uc5d0\uc11c \uc815\ud574\ub454 \uc735\uc790\ub300\ucd9c \uc9c0\uce68\uc11c\ub97c \uae30\uc900\uc73c\ub85c \ub300\ucd9c \uac00\ubd80\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4. \uc774 \ub450 \uae30\uad00\uc774 2\ucc28 \ubaa8\uae30\uc9c0 \uc2dc\uc7a5\uc5d0\uc11c \uc77c\ubc18 \uc8fc\ud0dd\uc735\uc790\uc740\ud589\uc774 \ubc1c\ud589\ud55c \ubaa8\uae30\uc9c0\ub97c \ub9e4\uc785\ud574\uc8fc\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc774 \ub54c \uc8fc\uc694\ud55c \uc2ec\uc0ac \uae30\uc900\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, \uc9c1\uc7a5\uacfc \uc218\uc785\uc744 \ubd05\ub2c8\ub2e4. [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-1042","post","type-post","status-publish","format-standard","hentry","category-financial-study"],"_links":{"self":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/comments?post=1042"}],"version-history":[{"count":2,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1042\/revisions"}],"predecessor-version":[{"id":1044,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1042\/revisions\/1044"}],"wp:attachment":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/media?parent=1042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/categories?post=1042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/tags?post=1042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}