{"id":2153,"date":"2021-08-11T11:21:29","date_gmt":"2021-08-11T18:21:29","guid":{"rendered":"https:\/\/usezloan.com\/?p=2153"},"modified":"2021-08-11T11:21:44","modified_gmt":"2021-08-11T18:21:44","slug":"2153","status":"publish","type":"post","link":"https:\/\/usezloan.com\/index.php\/2021\/08\/11\/2153\/","title":{"rendered":"\uc735\uc790\uc9c0\uc2dd154- \uc790\uc0b0 3- \uc0dd\uba85 \ubcf4\ud5d8\/\uacf5\ub3d9 \uc800\ucd95"},"content":{"rendered":"

\uc735\uc790\uc9c0\uc2dd154- \uc790\uc0b0 3- \uc0dd\uba85 \ubcf4\ud5d8\/\uacf5\ub3d9 \uc800\ucd95<\/strong><\/span><\/p>\n

\uc0dd\uba85 \ubcf4\ud5d8 \uc21c \ud604\uae08 \uac00\uce58
\n\ud604\uae08 \uac00\uce58\uc5d0 \ub300\ud55c \ub300\ucd9c \ub610\ub294 \uc0dd\uba85 \ubcf4\ud5d8 \ud574\uc57d\uc758 \uc21c \uc218\uc775\uae08\uc740 \ub2e4\uc74c \uc694\uac74\uacfc \ud568\uaed8 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
\n\u2022 \uc99d\uad8c\uc758 \ud604\uae08 \uac00\uce58 \ub610\ub294 \uc21c \ud574\uc57d \uac00\uce58\uc5d0 \ub300\ud574 \ub300\ucd9c \uc870\uac74\uc744 \ud655\uc778\ud569\ub2c8\ub2e4.
\n\u2022 \ud3d0\uc1c4\ub97c \uc704\ud574 \uc790\uae08\uc774 \ud544\uc694\ud55c \uacbd\uc6b0 \uccad\uc0b0\uc774 \ud544\uc694\ud558\uba70 \ubcf4\ud5d8\uc0ac\uac00 \ubc1c\ud589\ud55c \uc218\ud45c \ub610\ub294 \uc9c0\ubd88 \ub0b4\uc5ed\uc11c \uc0ac\ubcf8\uacfc \ud568\uaed8 \ubb38\uc11c\ud654\ub429\ub2c8\ub2e4.
\n\u2022 \ub300\ucd9c \uc0c1\ud658 \ubd88\uc774\ud589\uc5d0 \ub300\ud55c \ubc8c\uae08\uc774 \ubcf4\ud5d8 \uc0c1\ud488\uc758 \ud574\uc57d\uc73c\ub85c \uc81c\ud55c\ub418\ub294 \uacbd\uc6b0 \ub300\ucd9c\uc5d0 \ub300\ud55c \uc9c0\ubd88\uc740 \ucc28\uc6a9\uc778 \uc790\uaca9\uc774 \uc788\uc744 \ub54c \uc7a5\uae30 \ubd80\ucc44\ub85c \uac04\uc8fc\ub420 \ud544\uc694\uac00 \uc5c6\uc2b5\ub2c8\ub2e4.
\n\uadf8\ub7ec\ub098 \ucd94\uac00 \uc758\ubb34\ub294 \ucd1d \ubd80\ucc44 \ub300 \uc18c\ub4dd \ube44\uc728\uc5d0 \ud3ec\ud568\ub418\uac70\ub098 \ucc28\uc6a9\uc778\uc758 \uc7ac\uc815 \uc900\ube44\uae08\uc5d0\uc11c \ucc28\uac10\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uacf5\ub3d9 \uc800\ucd95(\ucee4\ubba4\ub2c8\ud2f0 \uc800\ucd95 \uae30\uae08)
\n\ucee4\ubba4\ub2c8\ud2f0 \uc800\ucd95 \uacc4\uc88c\uc758 \uc790\uae08 \ub610\ub294 \uae30\ud0c0 \uc720\ud615\uc758 \uacf5\ub3d9 \uc800\ucd95\uc740 \ub2e4\uc74c\uc744 \uc704\ud574 \uc0ac\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
\n\uacc4\uc57d\uae08. \uacf5\ub3d9 \uc800\ucd95 \uc81c\ub3c4\ub294 \uad00\uc2b5\uc801\uc73c\ub85c \ud604\uae08\uc744 \uc0ac\uc6a9\ud558\ub294 \uac1c\uc778\uc5d0\uac8c \uc81c\uacf5\ud569\ub2c8\ub2e4.
\n\ube44\uc6a9\uc744 \uc9c0\ucd9c\ud558\uace0 \uc608\ud0c1 \uae30\uad00\uc5d0 \uc800\ucd95\uc744 \ud558\uc9c0 \uc54a\ub294 \ud6c8\ub828\ub41c \ucd95\uc801 \ubc29\ubc95\uc785\ub2c8\ub2e4.
\n\uc790\uae08. \uc774\ub7ec\ud55c \uc131\uaca9\uc758 \uc790\uae08\uc744 \uc0ac\uc6a9\ud558\ub824\uba74 \ub2e4\uc74c \uc694\uad6c \uc0ac\ud56d\uc774 \ucda9\uc871\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.
\n\u2022 \ucc28\uc6a9\uc778 \uc9c0\ubd84\uc758 \uacf5\ub3d9\uc800\ucd95\uae30\uae08\uc744 \uad00\ub9ac\ud558\ub294 \ub2f9\uc0ac\uc790\uc758 \ud655\uc778 \ubc0f
\n\uc0ac\uc6a9 \uac00\ub2a5\ud55c \uc790\uae08;
\n\u2022 \ucc28\uc6a9\uc778\uc774 \uc800\ucd95 \uae30\uae08\uc5d0 \uc815\uae30\uc801\uc73c\ub85c \ucc38\uc5ec\ud588\uc74c\uc744 \uc99d\uba85\ud558\ub294 \ubb38\uc11c;
\n\u2022 \uacf5\ub3d9 \uc800\ucd95\uc5d0 \ub530\ub77c \uc9c0\uc18d\uc801\uc73c\ub85c \uae30\uc5ec\ud574\uc57c \ud558\ub294 \ucc28\uc6a9\uc778\uc758 \uc758\ubb34
\n\uc18c\ub4dd \ub300\ube44 \ubd80\ucc44 \ube44\uc728\uc744 \uacc4\uc0b0\ud560 \ub54c \uc57d\uc815\uc740 \ucd1d \ubd80\ucc44\uc758 \uc77c\ubd80\ub85c \uac04\uc8fc\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

 <\/p>\n

LIFE INSURANCE NET CASH VALUE
\nThe net proceeds from a loan against the cash value, or from the surrender, of a life insurance policy may be used with the following requirements:
\n\u2022 Verify terms of the loan against the cash value of the policy or net surrender value;
\n\u2022 If funds are required for closing, liquidation is required and documented with a copy of the check or payout statement issued by the insurer;
\n\u2022 Payments on a loan do not have to be considered as long-term debt when qualifying the borrower if any penalty for failure to repay the loan is limited to the surrender of the policy.
\nHowever, any additional obligation must be factored into the total debt-to-income ratio orsubtracted from the borrower’s financial reserves.<\/p>\n

POOLED SAVINGS (COMMUNITY SAVINGS FUNDS)
\nFunds from a community savings account, or any other type of pooled savings, may be used for the
\ndown payment. Pooled savings arrangements give individuals who customarily use cash for their
\nexpenses, and do not keep their savings in depository institutions, a disciplined way of accumulating
\nfunds. In order to use funds of this nature the following requirements must be met:
\n\u2022 Confirmation from the party managing the pooled savings fund of the borrower\u2019s interest and
\navailable funds;
\n\u2022 Documentation to evidence borrower\u2019s regular participation in contributing to the savings fund;
\n\u2022 The borrower’s obligation to continue making on-going contributions under the pooled savings
\narrangement should be considered as part of his or her total debt when calculating the debt-toincome ratio.<\/p>\n","protected":false},"excerpt":{"rendered":"

\uc735\uc790\uc9c0\uc2dd154- \uc790\uc0b0 3- \uc0dd\uba85 \ubcf4\ud5d8\/\uacf5\ub3d9 \uc800\ucd95 \uc0dd\uba85 \ubcf4\ud5d8 \uc21c \ud604\uae08 \uac00\uce58 \ud604\uae08 \uac00\uce58\uc5d0 \ub300\ud55c \ub300\ucd9c \ub610\ub294 \uc0dd\uba85 \ubcf4\ud5d8 \ud574\uc57d\uc758 \uc21c \uc218\uc775\uae08\uc740 \ub2e4\uc74c \uc694\uac74\uacfc \ud568\uaed8 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \u2022 \uc99d\uad8c\uc758 \ud604\uae08 \uac00\uce58 \ub610\ub294 \uc21c \ud574\uc57d \uac00\uce58\uc5d0 \ub300\ud574 \ub300\ucd9c \uc870\uac74\uc744 \ud655\uc778\ud569\ub2c8\ub2e4. \u2022 \ud3d0\uc1c4\ub97c \uc704\ud574 \uc790\uae08\uc774 \ud544\uc694\ud55c \uacbd\uc6b0 \uccad\uc0b0\uc774 \ud544\uc694\ud558\uba70 \ubcf4\ud5d8\uc0ac\uac00 \ubc1c\ud589\ud55c \uc218\ud45c \ub610\ub294 \uc9c0\ubd88 \ub0b4\uc5ed\uc11c \uc0ac\ubcf8\uacfc \ud568\uaed8 […]<\/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-2153","post","type-post","status-publish","format-standard","hentry","category-financial-study"],"_links":{"self":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2153","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=2153"}],"version-history":[{"count":3,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2153\/revisions"}],"predecessor-version":[{"id":2156,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2153\/revisions\/2156"}],"wp:attachment":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/media?parent=2153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/categories?post=2153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/tags?post=2153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}