{"id":1857,"date":"2021-06-23T11:16:18","date_gmt":"2021-06-23T18:16:18","guid":{"rendered":"https:\/\/usezloan.com\/?p=1857"},"modified":"2021-06-23T11:17:30","modified_gmt":"2021-06-23T18:17:30","slug":"loan-100","status":"publish","type":"post","link":"https:\/\/usezloan.com\/index.php\/2021\/06\/23\/loan-100\/","title":{"rendered":"\uc735\uc790\uc9c0\uc2dd103- \u00a0Prepayment Penalties\uc120\ubd88 \ubc8c\uae08"},"content":{"rendered":"<p><strong><span style=\"font-size: 14pt;\">\uc735\uc790\uc9c0\uc2dd103- \u00a0Prepayment Penalties\uc120\ubd88 \ubc8c\uae08<\/span><\/strong><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Prepayment Penalties\uc120\ubd88 \ubc8c\uae08<\/strong><\/span><\/p>\n<p><strong><span style=\"font-size: 14pt;\">\uc77c\ubd80 \ub300\ucd9c\uc740 \ub300\ucd9c \ub9cc\uae30 \uc804\uc5d0 \ub300\ucd9c \uc6d0\uae08\uc774 \uc804\uc561 \uc0c1\ud658 \ub420 \uacbd\uc6b0 \ucc28\uc6a9\uc778\uc774 \uc9c0\ubd88\ud574\uc57c\ud558\ub294 \uc120\ubd88 \ubc8c\uae08\uc774 \uc788\uc2b5\ub2c8\ub2e4. <\/span><\/strong><\/p>\n<p><strong><span style=\"font-size: 14pt;\">\uc120\ubd88 \ubc8c\uae08\uc740 \ucc28\uc6a9\uc790\uac00 \ub300\ucd9c\uae08\uc744 \uc870\uae30\uc5d0 \uc0c1\ud658\ud558\ub294 \uac83\uc744 \ub9c9\uae30\uc704\ud55c \uac83\uc785\ub2c8\ub2e4. \ub300\ucd9c\uae08\uc774 \uc870\uae30\uc5d0 \uc0c1\ud658\ub418\uba74 \ub300\ucd9c \uae30\uad00 \/ \ud22c\uc790\uc790\ub294 \ub300\ucd9c \uc608\uc815 \uae30\uac04 \ub3d9\uc548 \uc6d0\uae08\uc5d0 \ub300\ud55c\uc774\uc790\ub97c \uacc4\uc18d\ud574\uc11c \ubc8c \uc218\uc788\ub294 \uae30\ud68c\ub97c \uc783\uac8c\ub429\ub2c8\ub2e4. \uc120\ubd88 \ubc8c\uae08\uc740 Truth in Lending disclosure\uc640separate disclosure\ub85c \uacf5\uac1c\ub418\uc5b4\uc57c\ud569\ub2c8\ub2e4.<\/span><\/strong><\/p>\n<ul>\n<li><strong><span style=\"font-size: 14pt;\"> \uc120\ubd88 \ubc8c\uae08\uc740 \uae30\uc874 \ub300\ucd9c\uc5d0\uc11c \ubcfc \uc218 \uc788\uc9c0\ub9cc \uc815\ubd80 \ub300\ucd9c (FHA, VA \ubc0f USDA \ub300\ucd9c)\uc5d0\uc11c\ub294 \uae08\uc9c0\ub429\ub2c8\ub2e4. Dodd-Frank\uc758 Title XIV\ub294 \uace0\uc815 \uae08\ub9ac \uc801\uaca9 \ubaa8\uae30\uc9c0 \uc774\uc678\uc758 \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c\uc5d0 \ub300\ud55c \uc120\ubd88 \ubc8c\uae08\uc744 \uae08\uc9c0\ud569\ub2c8\ub2e4.<\/span><\/strong><\/li>\n<li><strong><span style=\"font-size: 14pt;\"> \uc120\ubd88 \uc704\uc57d\uae08\uc740 \ub300\ucd9c \uc6d0\uae08 \ubbf8\uacb0\uc81c \uae08\uc561\uc5d0 \uc704\uc57d\uae08\uc744 \uacf1\ud558\uc5ec \uacc4\uc0b0\ub429\ub2c8\ub2e4.<\/span><\/strong><\/li>\n<li><strong><span style=\"font-size: 14pt;\"> \uc608\ub97c \ub4e4\uc5b4, 30 \ub144 $ 200,000 \ub300\ucd9c\uc5d0 \ub300\ud574 \ub300\ucd9c\uc758 \uccab 12 \uac1c\uc6d4 \ub3d9\uc548 3 %, \ub300\ucd9c\uc758 \ub450 \ubc88\uc9f8 12 \uac1c\uc6d4 \ub3d9\uc548 2 %, \ub300\ucd9c \ud6c4 \uc138 \ubc88\uc9f8 12 \uac1c\uc6d4 \ub3d9\uc548 1 %\uc5d0 \ud574\ub2f9\ud558\ub294 \uc120\ubd88 \ubc8c\uae08\uc774\uc788\ub294 \uacbd\uc6b0, \ucc28\uc6a9\uc778\uc774 \uccab 12 \uac1c\uc6d4 \uc774\ub0b4\uc5d0 \ub300\ucd9c\uae08\uc744 \uc0c1\ud658\ud558\ub294 \uacbd\uc6b0, \uc120\ubd88 \ubc8c\uae08\uc740 3 %\uc5d0 \ub300\ucd9c\uae08\uc758 \ubbf8\uacb0\uc81c \uc6d0\uae08\uc744 \uacf1\ud55c \uae08\uc561\uc785\ub2c8\ub2e4.\ucc28\uc6a9\uc778\uc774 13 \uac1c\uc6d4\uc5d0\uc11c 24 \uac1c\uc6d4 \uc0ac\uc774\uc5d0 \ub300\ucd9c\uae08\uc744 \uc0c1\ud658\ud558\ub294 \uacbd\uc6b0, \uc120\ubd88 \ubc8c\uae08\uc740 2 %\uc5d0 \ud574\ub2f9 \uc2dc\uc810\uc758 \ub300\ucd9c \uc6d0\uae08\uc744 \uacf1\ud55c \uae08\uc561\uc785\ub2c8\ub2e4. \ucc28\uc6a9\uc778\uc774 25 ~ 36 \uac1c\uc6d4 \ub3d9\uc548 \ub300\ucd9c\uae08\uc744 \uc0c1\ud658\ud558\ub294 \uacbd\uc6b0, \uc120\ubd88 \ubc8c\uae08\uc740 1 %\uc5d0 \ud574\ub2f9 \uc2dc\uc810\uc758 \ub300\ucd9c \uc6d0\uae08\uc744 \uacf1\ud55c \uae08\uc561\uc785\ub2c8\ub2e4.\ucc28\uc6a9\uc778\uc774 37 \uac1c\uc6d4\uc5d0\uc11c 360 \uac1c\uc6d4 \uc0ac\uc774\uc5d0 \ub300\ucd9c\uae08\uc744 \uc0c1\ud658\ud558\ub294 \uacbd\uc6b0, \uc120\ubd88 \uc704\uc57d\uae08\uc774 \uc5c6\uc2b5\ub2c8\ub2e4.<\/span><\/strong><\/li>\n<\/ul>\n<p><strong><span style=\"font-size: 14pt;\">\u00a0<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc735\uc790\uc9c0\uc2dd103- \u00a0Prepayment Penalties\uc120\ubd88 \ubc8c\uae08 Prepayment Penalties\uc120\ubd88 \ubc8c\uae08 \uc77c\ubd80 \ub300\ucd9c\uc740 \ub300\ucd9c \ub9cc\uae30 \uc804\uc5d0 \ub300\ucd9c \uc6d0\uae08\uc774 \uc804\uc561 \uc0c1\ud658 \ub420 \uacbd\uc6b0 \ucc28\uc6a9\uc778\uc774 \uc9c0\ubd88\ud574\uc57c\ud558\ub294 \uc120\ubd88 \ubc8c\uae08\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc120\ubd88 \ubc8c\uae08\uc740 \ucc28\uc6a9\uc790\uac00 \ub300\ucd9c\uae08\uc744 \uc870\uae30\uc5d0 \uc0c1\ud658\ud558\ub294 \uac83\uc744 \ub9c9\uae30\uc704\ud55c \uac83\uc785\ub2c8\ub2e4. \ub300\ucd9c\uae08\uc774 \uc870\uae30\uc5d0 \uc0c1\ud658\ub418\uba74 \ub300\ucd9c \uae30\uad00 \/ \ud22c\uc790\uc790\ub294 \ub300\ucd9c \uc608\uc815 \uae30\uac04 \ub3d9\uc548 \uc6d0\uae08\uc5d0 \ub300\ud55c\uc774\uc790\ub97c \uacc4\uc18d\ud574\uc11c \ubc8c \uc218\uc788\ub294 \uae30\ud68c\ub97c \uc783\uac8c\ub429\ub2c8\ub2e4. \uc120\ubd88 \ubc8c\uae08\uc740 Truth in Lending [&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-1857","post","type-post","status-publish","format-standard","hentry","category-financial-study"],"_links":{"self":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1857","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=1857"}],"version-history":[{"count":3,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1857\/revisions"}],"predecessor-version":[{"id":1860,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1857\/revisions\/1860"}],"wp:attachment":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/media?parent=1857"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/categories?post=1857"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/tags?post=1857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}