{"id":1162,"date":"2021-04-25T13:23:23","date_gmt":"2021-04-25T20:23:23","guid":{"rendered":"https:\/\/usezloan.com\/?p=1162"},"modified":"2021-04-25T13:23:48","modified_gmt":"2021-04-25T20:23:48","slug":"loan-30","status":"publish","type":"post","link":"https:\/\/usezloan.com\/index.php\/2021\/04\/25\/loan-30\/","title":{"rendered":"\uc735\uc790\uc9c0\uc2dd33-\uc11c\ube0c \ud504\ub77c\uc784 \uc735\uc790(Subprime Loan)"},"content":{"rendered":"<p><span style=\"font-size: 14pt;\"><b>\uc11c\ube0c \ud504\ub77c\uc784 \uc735\uc790<\/b><b>(Subprime Loan)<\/b><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>\uc11c\ube0c \ud504\ub77c\uc784 \uc735\uc790 \ubc1b\ub294 \uc0ac\ub78c\uc758 \ud2b9\uc9d5\uc744 \ubcf4\uba74 <\/b><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>1) <\/b><b>\ud06c\ub808\ub527 \uc810\uc218\uac00 <\/b><b>660<\/b><b>\uc810 \uc774\ud558\uc778 \uc2e0\uccad\uc790\uac00 \ub9ce\ub2e4<\/b><b>. <\/b><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>2) 5<\/b><b>\ub144 \uc548\uc5d0 \ud30c\uc0b0\uc744 \uacbd\ud5d8\ud55c \uc2e0\uccad\uc790<\/b><b>,<\/b><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b> 3) DTI<\/b><b>\uc758 \ube44\uc728\uc774 <\/b><b>50% <\/b><b>\uc774\uc0c1<\/b><b>,<\/b><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>4) <\/b><b>\uc9c0\ub09c <\/b><b>1<\/b><b>\ub144\ub3d9\uc548 <\/b><b>2<\/b><b>\ubc88 \uc774\uc0c1 <\/b><b>30<\/b><b>\uc77c \ub3d9\uc548 \ud398\uc774\uba3c\ud2b8\ub97c \uc9c0\ubd88\ud558\uc9c0 \ubabb\ud558\uace0 \uc9c0\ub09c <\/b><b>2<\/b><b>\ub144\ub3d9\uc548 <\/b><b>1<\/b><b>\ubc88 \uc774\uc0c1 <\/b><b>60<\/b><b>\uc77c \ub3d9\uc548 \ud398\uc774\uba3c\ud2b8\ub97c \uc9c0\ubd88\ud558\uc9c0 \ubabb\ud55c \uacbd\uc6b0<\/b><b>.<\/b><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>\uc11c\ube0c \ud504\ub77c\uc784 \uc735\uc790 \ud2b9\uc9d5<\/b><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b> <\/b><b>1) <\/b><b>\uc774\uc790\uc728\uc774 \ub192\ub2e4<\/b><b>. <\/b><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>2) <\/b><b>\ub9cc\uae30 \uc804 \ubcc0\uc81c \ubc8c\uacfc\uae08<\/b><b>( Prepayment Penalty) <\/b><b>\uc77c\ubc18\uc801\uc73c\ub85c <\/b><b>payoff<\/b><b>\ub97c \ud560\uc218 \uc5c6\uac8c \ubb36\uc5b4 \ub454\ub2e4<\/b><b>.<\/b><b>\uc9d1\uc744 \ud314\uac70\ub098 \uc7ac\uc735\uc790\ub97c \ud560 \uacbd\uc6b0 \uc735\uc790\uae08\uc561\uc758 <\/b><b>2%-3%<\/b><b>\uae4c\uc9c0 \ubc8c\uacfc\uae08\uc744 \ub0b4\uc57c \ud55c\ub2e4<\/b><b>.<\/b><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>3)<\/b><b>\ud48d\uc120 \ud398\uc774\uba3c\ud2b8<\/b><b>( Balloon Payment, Payment Shock )<\/b><b>\ubbf8\ub2c8\uba48 \ud398\uc774\uba3c\ud2b8 \ud504\ub85c\uadf8\ub7a8\uc73c\ub85c \ud574\ub9c8\ub2e4 \ucc28\uc774\uac00 \ub098\ub294 \uc774\uc790 \uae08\uc561\uc774 \uc6d0\uae08\uc5d0 \uac00\uc0b0\uc774 \ub418\ub294\ub370 \uc774\ub97c \ub124\uac70\ud2f0\ube0c \uc870\ud56d\uc774\ub77c\uace0 \ud558\uace0 \uc9d1\uac12\uc774 \ud3ed\ub77d\ud558\uace0 \uc774\uc790\uc728\uc774 \uc624\ub974\ub2e4\uba74 \uc77c\uc2dc\uc5d0 \uac1a\uc544\uc57c \ud560 \uc561\uc218\uac00 \ucee4\uc9c4\ub2e4<\/b><b>. <\/b><b>\uadf8\ub9ac\uace0 \uc774\uc790\ub9cc \ub0b4\ub294 \ud504\ub85c\uadf8\ub7a8\ub3c4 \uc788\ub2e4<\/b><b>.\u00a0<\/b><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc11c\ube0c \ud504\ub77c\uc784 \uc735\uc790(Subprime Loan) \uc11c\ube0c \ud504\ub77c\uc784 \uc735\uc790 \ubc1b\ub294 \uc0ac\ub78c\uc758 \ud2b9\uc9d5\uc744 \ubcf4\uba74 1) \ud06c\ub808\ub527 \uc810\uc218\uac00 660\uc810 \uc774\ud558\uc778 \uc2e0\uccad\uc790\uac00 \ub9ce\ub2e4. 2) 5\ub144 \uc548\uc5d0 \ud30c\uc0b0\uc744 \uacbd\ud5d8\ud55c \uc2e0\uccad\uc790, 3) DTI\uc758 \ube44\uc728\uc774 50% \uc774\uc0c1, 4) \uc9c0\ub09c 1\ub144\ub3d9\uc548 2\ubc88 \uc774\uc0c1 30\uc77c \ub3d9\uc548 \ud398\uc774\uba3c\ud2b8\ub97c \uc9c0\ubd88\ud558\uc9c0 \ubabb\ud558\uace0 \uc9c0\ub09c 2\ub144\ub3d9\uc548 1\ubc88 \uc774\uc0c1 60\uc77c \ub3d9\uc548 \ud398\uc774\uba3c\ud2b8\ub97c \uc9c0\ubd88\ud558\uc9c0 \ubabb\ud55c \uacbd\uc6b0. \uc11c\ube0c \ud504\ub77c\uc784 \uc735\uc790 \ud2b9\uc9d5 1) \uc774\uc790\uc728\uc774 [&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-1162","post","type-post","status-publish","format-standard","hentry","category-financial-study"],"_links":{"self":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1162","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=1162"}],"version-history":[{"count":3,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1162\/revisions"}],"predecessor-version":[{"id":1165,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1162\/revisions\/1165"}],"wp:attachment":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/media?parent=1162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/categories?post=1162"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/tags?post=1162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}