{"id":1565,"date":"2021-05-14T11:33:03","date_gmt":"2021-05-14T18:33:03","guid":{"rendered":"https:\/\/usezloan.com\/?p=1565"},"modified":"2021-05-14T11:33:03","modified_gmt":"2021-05-14T18:33:03","slug":"loan-53","status":"publish","type":"post","link":"https:\/\/usezloan.com\/index.php\/2021\/05\/14\/loan-53\/","title":{"rendered":"\uc735\uc790\uc9c0\uc2dd56- \ubcc0\ub3d9\uc774\uc790 \uc735\uc790 \uc2dc \uc720\ub150 \uc0ac\ud56d.(\uc54c\uc544\uc57c \ud560 \uc6a9\uc5b4)"},"content":{"rendered":"<p><strong><span style=\"font-size: 14pt;\">\uc735\uc790\uc9c0\uc2dd56- \ubcc0\ub3d9\uc774\uc790 \uc735\uc790 \uc2dc \uc720\ub150 \uc0ac\ud56d.(\uc54c\uc544\uc57c \ud560 \uc6a9\uc5b4)<\/span><\/strong><\/p>\n<p><strong><span style=\"font-size: 14pt;\">1) \uc9c0\ud45c(Index): \ubcc0\ub3d9 \uc774\uc790\uc758 \uc9c0\ud45c\ub294 \uc8fc\ub85c LIBOR(London Inter-Bank Offered Rate)\ub098 \uc5f0\ubc29 \uc7ac\uc815\uad6d\uc758 \uc774\uc790\uc728 (US Treasury Securities Rate)\ub97c \uc4f0\ub294 \ub370 \uc774\ub294 \ub9e4\uc77c \ubcc0\ud569\ub2c8\ub2e4.<\/span><\/strong><\/p>\n<p><strong><span style=\"font-size: 14pt;\">2) \ub9c8\uc9c4 (Margin): \uc774 \ub9c8\uc9c4\uc740 \uc9c0\ud45c\uc640 \ub2ec\ub9ac \uc735\uc790\uae30\uac04 \ub3d9\uc548 \ubcc0\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c4\uc740 \ubaa8\uae30\uc9c0 \uae08\uc735\uc0ac\uc5d0 \uc758\ud574 \uacb0\uc815\ud558\uace0 \uc774 \ub9c8\uc9c4\uc758 \uadf8\ub4e4\uc758 \uc218\uc775\uc774 \ub429\ub2c8\ub2e4.<\/span><\/strong><\/p>\n<p><strong><span style=\"font-size: 14pt;\">3) \uc774\uc790\uc728: \uc9c0\ud45c\uc5d0 \ub9c8\uc9c4\uc744 \ub354\ud55c \uac83\uc774 \uc774\uc790\uc728\uc774 \ub429\ub2c8\ub2e4.<\/span><\/strong><\/p>\n<p><strong><span style=\"font-size: 14pt;\">4) \ubcc0\ub3d9\uc8fc\uae30(Adjustment Period) : \ub300\ubd80\ubd84\uc758 \ubcc0\ub3d9\uc774\uc790 \uc735\uc790\ub294 \uc6d4 \ud398\uc774\uba3c\ud2b8\uac00 \ub9e4\ub144, \ub9e4 3\ub144 \ub610\uc740 5\ub144\ub9c8\ub2e4 \ubc14\ub00c\uac8c \ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/strong><\/p>\n<p><strong><span style=\"font-size: 14pt;\">5) \uc774\uc790 \ud55c\ub3c4( Rate caps): \uc774\uc790\uc728\uc758 \uc0c1\ud558\ud55c\uc120\uc744 \ub9d0\ud569\ub2c8\ub2e4. \ucc98\uc74c \uc774\uc790 \ud55c\ub3c4(Initial Cap), \ubcc0\ub3d9\uc8fc\uae30 \ud55c\ub3c4(Periodic Cap), \ud3c9\uc0dd \uace0\uc815 \ud55c\ub3c4(Life Cap)\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/strong><\/p>\n<p><strong><span style=\"font-size: 14pt;\">\uc608) 2\/3\/6 \uc774\ub77c\uba74 1st\ubcc0\ub3d9\uc8fc\uae30\uc5d0 \ucd5c\uace0 2%\uae4c\uc9c0, \uc774\ud6c4 \uac01 \ubcc0\ub3d9\uc8fc\uae30\ub9c8\ub2e4 \ucd5c\uace0 3%\uae4c\uc9c0, \uc735\uc790\uae30\uac04 \ub3d9\uc548 \ucd5c\uace0 6%\uae4c\uc9c0 \ubcc0\ub3d9\ud560 \uc218 \uc788\ub2e4\ub294 \uc758\ubbf8\uc785\ub2c8\ub2e4.<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc735\uc790\uc9c0\uc2dd56- \ubcc0\ub3d9\uc774\uc790 \uc735\uc790 \uc2dc \uc720\ub150 \uc0ac\ud56d.(\uc54c\uc544\uc57c \ud560 \uc6a9\uc5b4) 1) \uc9c0\ud45c(Index): \ubcc0\ub3d9 \uc774\uc790\uc758 \uc9c0\ud45c\ub294 \uc8fc\ub85c LIBOR(London Inter-Bank Offered Rate)\ub098 \uc5f0\ubc29 \uc7ac\uc815\uad6d\uc758 \uc774\uc790\uc728 (US Treasury Securities Rate)\ub97c \uc4f0\ub294 \ub370 \uc774\ub294 \ub9e4\uc77c \ubcc0\ud569\ub2c8\ub2e4. 2) \ub9c8\uc9c4 (Margin): \uc774 \ub9c8\uc9c4\uc740 \uc9c0\ud45c\uc640 \ub2ec\ub9ac \uc735\uc790\uae30\uac04 \ub3d9\uc548 \ubcc0\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c4\uc740 \ubaa8\uae30\uc9c0 \uae08\uc735\uc0ac\uc5d0 \uc758\ud574 \uacb0\uc815\ud558\uace0 \uc774 \ub9c8\uc9c4\uc758 \uadf8\ub4e4\uc758 \uc218\uc775\uc774 \ub429\ub2c8\ub2e4. 3) \uc774\uc790\uc728: \uc9c0\ud45c\uc5d0 \ub9c8\uc9c4\uc744 [&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-1565","post","type-post","status-publish","format-standard","hentry","category-financial-study"],"_links":{"self":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1565","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=1565"}],"version-history":[{"count":2,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1565\/revisions"}],"predecessor-version":[{"id":1567,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1565\/revisions\/1567"}],"wp:attachment":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/media?parent=1565"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/categories?post=1565"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/tags?post=1565"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}