{"id":152,"date":"2024-03-31T13:18:48","date_gmt":"2024-03-31T04:18:48","guid":{"rendered":"https:\/\/zotahome.com\/?p=152"},"modified":"2024-03-31T13:18:48","modified_gmt":"2024-03-31T04:18:48","slug":"%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c","status":"publish","type":"post","link":"https:\/\/zotahome.com\/%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c\/","title":{"rendered":"\uc591\ubb38\uc11d \uc790\ub140 \uc0c8\ub9c8\uc744\uae08\uace0 \uc0ac\uc5c5\uc790\ub300\ucd9c \ud2b9\ud61c, \ubb38\uc81c\ub294 LTV \uac00 \uc544\ub2c8\uc9c0 !"},"content":{"rendered":"<p>\uc591\ubb38\uc11d \uad6d\ud68c\uc758\uc6d0 \ud6c4\ubcf4 \uc790\ub140\uac00 20\ub300 \ub300\ud559\uc0dd \uc2e0\ubd84\uc73c\ub85c \uc0c8\ub9c8\uc744\uae08\uace0\uc5d0\uc11c &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \ub85c 11\uc5b5\uc6d0\uc744 \ub300\ucd9c\ubc1b\uc558\ub2e4\ub294 \uc0ac\uc2e4\uc774 \uc815\uce58\uad8c\uc5d0 \uc774\uc288\ub85c \ub5a0\uc624\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4.\u00a0 \uc774 \ubb38\uc81c\uc5d0 \ub300\ud574\uc11c \uc591\ubb38\uc11d \ud6c4\ubcf4\ub294 \uc8fc\ud0dd\uad11\ud48d\uc774 \ubd88\ub358 \uc2dc\uc808, \uaf3c\uc218\uc600\ub358 \uac83\uc740 \uc778\uc815\ud558\uc9c0\ub9cc \uc99d\uc5ec\ub294 \uc544\ub2c8\ub77c\uace0 \ub9d0\ud588\ub2e4\ud569\ub2c8\ub2e4.\u00a0 \ubb50\uc8e0 ? \ud2b9\ud61c\ubb38\uc81c\uc778\uac00\uc694 ?\u00a0 \uc99d\uc5ec\ubb38\uc81c\uc778\uac00\uc694 ?\u00a0 \uc6b0\ub9ac\uac00 \uad81\uae08\ud55c \uac83\uc740 &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \uc774 \uc5b4\ub5bb\uac8c \uac00\ub2a5\ud588\uc744\uae4c \uc544\ub2cc\uac00\uc694 ?<\/p>\n<p>&nbsp;<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >\uc26c\uc6b4 \ubaa9\ucc28<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/zotahome.com\/%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c\/#%EC%82%AC%EC%97%85%EC%9E%90%EB%8C%80%EC%B6%9C\" title=\"\uc0ac\uc5c5\uc790\ub300\ucd9c\">\uc0ac\uc5c5\uc790\ub300\ucd9c<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/zotahome.com\/%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c\/#1_%E2%80%98%EC%82%AC%EC%97%85%EC%9E%90%EB%8C%80%EC%B6%9C_%ED%97%88%EB%93%A4\" title=\"1) &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \ud5c8\ub4e4\">1) &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \ud5c8\ub4e4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/zotahome.com\/%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c\/#2_LTV\" title=\"2) LTV\">2) LTV<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/zotahome.com\/%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c\/#3_DTI_DSR\" title=\"3) DTI, DSR\">3) DTI, DSR<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/zotahome.com\/%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c\/#4_%EC%82%AC%EC%97%85%EC%9E%90%EB%8C%80%EC%B6%9C\" title=\"4) \uc0ac\uc5c5\uc790\ub300\ucd9c\">4) \uc0ac\uc5c5\uc790\ub300\ucd9c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/zotahome.com\/%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c\/#5_%EB%8C%80%EC%B6%9C%EB%8A%A5%EB%A0%A5\" title=\"5) \ub300\ucd9c\ub2a5\ub825\">5) \ub300\ucd9c\ub2a5\ub825<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/zotahome.com\/%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c\/#6_%E2%80%98%EC%82%AC%EC%97%85%EC%9E%90%EB%8C%80%EC%B6%9C_%EA%B4%80%EB%A6%AC_%EB%AF%B8%ED%9D%A1\" title=\"6) &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \uad00\ub9ac \ubbf8\ud761\">6) &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \uad00\ub9ac \ubbf8\ud761<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/zotahome.com\/%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c\/#7_%EC%9D%80%ED%96%89_%EC%83%81%EB%8B%B4\" title=\"7) \uc740\ud589 \uc0c1\ub2f4\">7) \uc740\ud589 \uc0c1\ub2f4<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EC%82%AC%EC%97%85%EC%9E%90%EB%8C%80%EC%B6%9C\"><\/span><strong>\uc0ac\uc5c5\uc790\ub300\ucd9c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\ubd80\ub3d9\uc0b0\uc5d0 \uad00\uc2ec\uc744 \uac00\uc9c0\uace0 \uc5ec\ub7ec\uc9c0\uc5ed \uc784\uc7a5\uc744 \ub2e4\ub2c8\uba74\uc11c \uc544\ud30c\ud2b8\ub97c \uc54c\uc544\ubcf8\ud6c4, \uc544\ud30c\ud2b8\ub2f4\ubcf4\ub300\ucd9c, \uc804\uc138\ub2f4\ubcf4\ub300\ucd9c\uc5d0 \uad00\ud574\uc11c \uc54c\uc544 \ubcf4\ub294 \uc911\uc785\ub2c8\ub2e4.\u00a0 \ub300\ucd9c\uc5c5\ubb34\ub294 \ubcf5\uc7a1\ud558\uae30\ub3c4 \ud558\uace0, \uc740\ud589\uc5d0 \uc9c1\uc811 \ubc29\ubb38\ud574\uc11c \uc0c1\ub2f4\ud574\uc57c\ud558\ub294\ub370 \uc0c1\ub2f4\ubc1b\ub294 \uacfc\uc815\uc774 \uc2ec\uc801\uc73c\ub85c \uc880 \ubd88\ud3b8\ud569\ub2c8\ub2e4.\u00a0 \ub2e4\ub4e4 \uadf8\ub807\uc9c0 \uc54a\ub098\uc694 ? \uad1c\ud788 \uc8c4\uc9c0\uc740\uac83\ucc98\ub7fc \ub208\uce58\ubcf4\uba70 \uc2ec\uc0ac\ub97c \uae30\ub2e4\ub9b0\ub2e4\ub294 \uac83\uc774.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%E2%80%98%EC%82%AC%EC%97%85%EC%9E%90%EB%8C%80%EC%B6%9C_%ED%97%88%EB%93%A4\"><\/span><strong>1) &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \ud5c8\ub4e4<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc740\ud589\uc5d0\uc11c \ub300\ucd9c \ubc1b\uc744 \ub54c, \uc6b0\ub9ac\uac19\uc740 \uc11c\ubbfc\ub4e4\uc774 \ubaa8\ub974\ub294 \uadf8\ub4e4\ub9cc\uc758 \uc138\uacc4\uac00 \uc788\ub294\uac74 \uc544\ub2d0\uae4c\uc694 ? \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c\uc744 \ubc1b\ub294 \uacbd\uc6b0, \uc694\uc998 \uc5b8\ub860\uc5d0 \ub9ce\uc774 \ub098\uc624\ub294 \ub2e8\uc5b4\ub294 LTV, DTI \uc785\ub2c8\ub2e4.\u00a0 \uc774 \ub450\uac00\uc9c0 \uc6a9\uc5b4\ub97c \uc774\ud574\ud574\uc57c\ub9cc \uc740\ud589\uc6d0\uc774 \uc774\uc57c\uae30 \ud558\ub294\uac83\uc744 \uc774\ud574\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \ud559\uc790\uac00 \uc544\ub2c8\uc796\uc544\uc694. \uadf8\uc800 \uc740\ud589\uc5d0\uc11c \ub300\ucd9c \ubc1b\uc744 \ub54c \uc800 \ub2e8\uc5b4\uac00 \uc758\ubbf8\ud558\ub294 \uac83 \uc815\ub3c4\ub9cc \uc54c\uba70\ub418\ub294\uac70\uc8e0.\u00a0 \uc790, \uc774 \ub450\uac00\uc9c0 \uc758\ubbf8\uc5d0 \ub300\ud574\uc11c \uc544\uc8fc \uac04\ub2e8\ud558\uac8c \uc815\ub9ac\ud574\ubcf4\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_LTV\"><\/span><strong>2) LTV<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc9d1\uc774 10\uc5b5\uc774\ub77c \ud560\uaed8\uc694. LTV \uac00 40% \uc774\uba74, \ub300\ucd9c\uac00\ub2a5 \ucd5c\ub300\uc561\uc740 \uc9d1\uac00\uaca9\uc758 40%\uc778 4\uc5b5\uae4c\uc9c0\ub9cc \ub300\ucd9c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.\u00a0 \ub2f4\ubcf4\ubb3c\uc758 40% \uac00\uce58\uae4c\uc9c0\ub9cc \ub300\ucd9c\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \uac83\uc774\uc8e0.<\/p>\n<p>\uc9c0\uae08 \uc591\ubb38\uc11d \ud6c4\ubcf4\uc758 \uc790\ub140\uac00 11\uc5b5\uc6d0\uc744 \ub300\ucd9c\ubc1b\uc558\ub2e4\ub294 \uac83\uc740 LTV \ub97c \ud6e8\uc52c \ub118\uc740 \uae08\uc561\uc785\ub2c8\ub2e4. \uc815\uc0c1\uc801\uc778 \ubd80\ub3d9\uc0b0\ub2f4\ubcf4\ub300\ucd9c\ub85c\ub294 LTV 40% \ub97c \ud6e8\uc52c \ub118\uaca8\uc11c \ub300\ucd9c \ubc1b\ub294\uac83\uc774 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/p>\n<p>2020\ub144 \uad6c\uc785\ud55c \uc7a0\uc6d0\ub3d9 \ud55c\uc2e04\ucc28\uc544\ud30c\ud2b8 45\ud3c9\ub97c \uc120\uace0\ud560 \ub54c \uc2e0\uace0\uae08\uc561\uc744 21\uc5b5\uc73c\ub85c \ud588\ub2e4\uace0 \ud558\uc8e0 ?\u00a0 \uad81\uae08\ud574\uc11c \ud55c\ubc88 \ucc3e\uc544\ubd24\uc2b5\ub2c8\ub2e4. \ud604\uc7ac 45\ud3c9 \uacbd\uc6b0, \uac00\uaca9\uc774 40\uc5b5 \uc815\ub3c4 \ud569\ub2c8\ub2e4. \ubb3c\ub860 \ud638\uac00\uc774\uae34 \ud558\uc9c0\ub9cc, 20\uc5b5\uc744 \ud6e8\uc52c \ub118\ub294\ub2e4\ub294 \uac83\uc774\uc8e0.<\/p>\n<p>\uadf8\ub7fc 2020 \ub144\uc5d0\ub294 \uc5bc\ub9c8 \ud588\uc744\uae4c \ucc3e\uc544\ubd24\uc8e0. \uadf8\ub54c\ub294 26\uc5b5\uc6d0 \uc815\ub3c4\ud55c \uac83 \uac19\uc2b5\ub2c8\ub2e4.\u00a0 3\ub144 \uc0ac\uc774\uc5d0 14\uc5b5 \uc815\ub3c4\uac00 \uc624\ub978\uc148\uc785\ub2c8\ub2e4.\u00a0 \ud638\uac00\uc774\ub2c8\uae4c, \ub300\ucda9 \uacc4\uc0b0\ud574\ub3c4 10\uc5b5 \uc815\ub3c4\ub294 \ucc28\uc561\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.\u00a0 \uba4b\uc9c4 \uc7ac\ud14c\ud06c \ud22c\uc790\ub97c \ud558\uc168\ub124\uc694.<\/p>\n<p>\ucc98\uc74c \uae30\uc0ac\uac00 \ub0ac\uc744 \ub54c, \uc591\ubb38\uc11d \ud6c4\ubcf4 \uc790\ub140\uac00 11\uc5b5\uc6d0 \ub300\ucd9c\uc744 \ubc1b\uc558\ub2e4\ub294 \uae30\uc0ac\ub9cc \ub098\uc654\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uadf8 \uae30\uc0ac\ub97c \uc77d\ub294 \uc21c\uac04, \uc591\ud6c4\ubcf4 \uc790\ub140\uac00 &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \uc744 \ubc1b\uc558\ub2e4\ub294 \uac83\uc744 \uc54c \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.\u00a0 20\ub300 \ub300\ud559\uc0dd\uc774\uc9c0\ub9cc \uc0ac\uc5c5\uc744 \ud560 \uc218\ub294 \uc788\uc8e0.\u00a0 \ub3c4\ub300\uccb4 \uc5b4\ub5a4 \uc0ac\uc5c5\uc744 \ud588\uae30\uc5d0 &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \uc744 \ubc1b\uc744 \uc218 \uc788\uc5c8\uc744\uae4c\uc694 ?<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_DTI_DSR\"><\/span><strong>3) DTI, DSR<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\ubd80\ub3d9\uc0b0 \uac00\uaca9\uc774 \uc62c\ub77c\uc11c LTV 40 % \ub97c \ud574\uc11c \ub300\ucd9c\uc744 \ubc1b\ub294 \uae08\uc561\uc774 \ub9ce\uc774 \uc62c\ub77c\uac14\uc2b5\ub2c8\ub2e4. \uac15\ub0a8 \uc9d1\uac12\uc774 30\uc5b5\uc740 \uc6b0\uc2b5\uac8c \ub118\uc73c\ub2c8\uae4c\uc694. \ub9cc\uc57d \uc9d1\uac00\uaca9\uc774 30\uc5b5\uc774\ub77c\uba74 LTV 40% \ub97c \uc801\uc6a9\ud558\uba74 12\uc5b5 \uc815\ub3c4 \ub300\ucd9c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub180\ub78d\uc9c0 \uc54a\uc2b5\ub2c8\uae4c.<\/p>\n<p>\uc790, \ubb38\uc81c\ub294 DTI \uc785\ub2c8\ub2e4.\u00a0 \uc5f0\uc5d0 \uc6d0\ub9ac\uae08 \uc0c1\ud658\ub2a5\ub825\uc774 \uc815\ud574\uc9c4 \uc694\uc728\uc744 \ub118\uaca8\uc11c\ub294 \uc548\ub429\ub2c8\ub2e4.\u00a0 \uc694\uc998\uc740 DTI \ubcf4\ub2e4 \ub354 \uac15\ub825\ud574\uc9c4 DSR \uaddc\uc815\uc73c\ub85c \uc9c4\ud589\ud569\ub2c8\ub2e4.\u00a0 \ub450\uac00\uc9c0 \ub2e4 \uacb0\uad6d \uc774\uc57c\uae30\ud558\ub294 \uac83\uc740, \uc6d0\uae08\uacfc \uc774\uc790\ub97c \uac1a\uc744 \uacbd\uc81c\uc801 \ub2a5\ub825\uc774 \ub418\ub294\uac00\ub97c \ubcf4\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9cc\uc57d, \uc5f0\ubd09\uc774 \ub192\uac70\ub098 \uc0ac\uc5c5\uc744 \uc798\ud574\uc11c \ud604\uae08\uc744 \uc798 \ubc8c\uc5b4\ub4e4\uc774\ub294 \uacbd\uc6b0\ub77c\uba74 \uc694\uc998 \uc5bc\ub9c8\ub4e0\uc9c0 \ub300\ucd9c\ubc1b\uae30 \uc88b\uc2b5\ub2c8\ub2e4.\u00a0 \uc774\uc790\uac00 \ub9ce\uc774 \uc608\ub144\uc5d0 \ube44\ud574 \ub9ce\uc774 \uc62c\ub77c\uac14\uc9c0\ub9cc, \uc5ed\uc0ac\ub97c \ub3cc\uc774\ucf1c \ubcf4\uba74 \ub300\ucd9c\uc774\uc790 10% \ub118\uae30\ub358 \ub54c\ub3c4 \uc788\uc5c8\uc73c\ub2c8\uae4c\uc694.<\/p>\n<p>\uc911\uc694\ud55c\uac83 \ub300\ucd9c\uc744 \uc77c\uc73c\ud0ac \uc218 \uc788\ub294 \uacbd\uc81c\uc801 \ub2a5\ub825\uacfc \uc0ac\ud68c\uc801 \uad00\uacc4\uac00 \uc544\ub2d0\uae4c \uc2f6\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_%EC%82%AC%EC%97%85%EC%9E%90%EB%8C%80%EC%B6%9C\"><\/span><strong>4) \uc0ac\uc5c5\uc790\ub300\ucd9c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc0c8\ub9c8\uc744\uae08\uace0 \ub300\uad6c\uc9c0\uc810\uc5d0\uc11c\ub294 &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \uc774\ub77c\ub294 \uaf3c\uc218\ub97c \uc774\uc6a9\ud574\uc11c \ud2b9\ud61c\ub300\ucd9c\uc744 \uc2e4\uc2dc\ud55c\uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.\u00a0 \uc0c8\ub9c8\uc744\uae08\uace0\uc5d0\ub294 LTV \uc5d0 \uc801\ud569\ud55c \uac70\ub798\uc600\ub2e4\uace0 \uc8fc\uc7a5\uc744 \ud569\ub2c8\ub2e4. &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \ub300\ucd9c\uc774\ub2c8\uae4c, LTV \uc81c\ud55c\uc5c6\uc774 \ub300\ucd9c\uc774 \uac00\ub2a5\ud588\uc744 \uac81\ub2c8\ub2e4.<\/p>\n<p>\ubb38\uc81c\ub294 \uc591\ubb38\uc11d \uc790\ub140\uac00 \uc2e4\uc9c8\uc801 \uc0ac\uc5c5\uc744 \uc6b4\uc601\ud588\ub294\uac00 \ud558\ub294 \uc810\uc785\ub2c8\ub2e4.\u00a0 \uc9c0\ub09c 5\ub144\uac04 \uae30\ub85d\uc744 \ubcf4\uba74 \uc18c\ub4dd\uc138 \ub0a9\ubd80\ud55c \uae30\ub85d\uc774 \uc5c6\ub2e4\uace0 \ud569\ub2c8\ub2e4.\u00a0 \uc18c\ub4dd\uc138\ub97c \ub0a9\ubd80\ud558\uc9c0 \uc54a\uc558\ub2e4\uace0 \uc0ac\uc5c5\uc744 \ud558\uc9c0 \uc54a\uc740 \uac83\uc740 \uc544\ub2c8\uc8e0.\u00a0 \uc774 \ubd80\ubd84\uc5d0 \ub300\ud574 \uae30\uc790\ub4e4\uc774 \ubcf4\uac15 \ucde8\uc7ac\ub97c \ud588\uc73c\uba74 \ucc38 \uc88b\uc558\uc744\ud150\ub370\uc694.<\/p>\n<p>\uc0ac\uc5c5\uc790\ub4f1\ub85d\uc744 \ub0b4\ub193\uace0, \uc5b4\ub5a0\ud55c \uc0ac\uc5c5\ud65c\ub3d9\ub3c4 \ud558\uc9c0 \uc54a\uc558\ub2e4\uba74 \ubb38\uc81c\uac00 \ub418\ub294 \uc9c0\uc810\uc785\ub2c8\ub2e4.\u00a0 &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \uc744 \uc2e4\ud589\ud55c \uc0c8\ub9c8\uc744\uae08\uace0 \uce21\ub3c4 \ub300\ucd9c\uc2e4\ud589\uc5d0 \uad00\ud574\uc11c \uaf3c\uaf3c\ud558\uac8c \uc0ac\uc2e4\uad00\uacc4\ub97c \ub4e4\uc5ec\ub2e4\ubd10\uc57c \ud560\uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_%EB%8C%80%EC%B6%9C%EB%8A%A5%EB%A0%A5\"><\/span><strong>5) \ub300\ucd9c\ub2a5\ub825<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc591\ubb38\uc11d \uc790\ub140\uc758 &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \uc758\ud639\uc744 \ubcf4\uba74\uc11c \uc11c\ubbfc\uc758 \uc785\uc7a5\uc740 \ucc38 \uc501\uc4f8\ud569\ub2c8\ub2e4.\u00a0 \uc591 \ud6c4\ubcf4\ub294 \uaf3c\uc218\ub97c \uc778\uc815\ud55c\ub2e4\uace0 \ud558\ub294\ub370\uc694, \uadf8\ub807\ub2e4\uba74 \uc6b0\ub9ac\uac19\uc740 \uc11c\ubbfc\ub4e4\ub3c4 \uadf8 \uaf3c\uc218\ub97c \uc774\uc6a9\ud560 \uc218\ub294 \uc5c6\ub294\uac83\uc77c\uae4c\uc694 ?\u00a0 \uc544\ub9c8\ub098 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc73c\uba74 \ud2b9\ud61c \uc758\ud639\uc774 \uc0dd\uae30\uc9c0 \uc54a\uaca0\uc8e0.<\/p>\n<p>\ud55c\uad6d \uc790\ubcf8\uc8fc\uc758 \uc0ac\ud68c\uc5d0\uc11c\ub294 &#8216;\ub300\ucd9c&#8217; \ub3c4 \ub2a5\ub825\uc785\ub2c8\ub2e4.\u00a0 \uc591\ud6c4\ubcf4\ub294 1\ucc28 \ub300\ucd9c\ub54c\ub294 \uc0ac\uae08\uc735 \ub300\ubd80\uc5c5\uccb4\ub97c \uc774\uc6a9\ud588\ub2e4\uace0 \ub098\uc635\ub2c8\ub2e4.\u00a0 \uc774\ud6c4 \uc0c8\ub9c8\uc744 \uae08\uace0\ub85c \uac08\uc544\ud0c0\uba74\uc11c \uc774\uc790\ub97c \uc904\uc774\ub824\uace0 \ud588\ub2e4\uace0 \ud569\ub2c8\ub2e4.\u00a0 \uc77c\ubc18\uc778\uc774\ub77c\uba74 \uc7ac\ud14c\ud06c\uc5d0 \ub2a5\ud55c \ud65c\ub3d9\uc774\ub77c \uc0dd\uac01\ud560 \uc218 \uc788\uaca0\uc8e0.<\/p>\n<p>\uc815\uce58\uc5d0 \ub300\ud55c \uc774\uc57c\uae30\ub294 \uac01\uc790 \uc0dd\uac01\uc774 \ub2e4\ub974\ub2c8 \uc774 \ube14\ub85c\uadf8\uc5d0\uc11c\ub294 \ud558\uc9c0 \uc54a\uaca0\uc2b5\ub2c8\ub2e4.\u00a0 \uc591\ubb38\uc11d \ud6c4\ubcf4\uc5d0 \ub300\ud574\uc11c \uad00\uc2ec\ub3c4 \uc5c6\uace0\uc694.\u00a0 \ub2e4\ub9cc, \ubd80\ub3d9\uc0b0\uc5d0 \uad00\ud55c \uc774\uc57c\uae30\ub97c \ud558\uba74\uc11c &#8216;\ub300\ucd9c&#8217; \uc5d0 \uad00\ud55c \uc774\uc57c\uae30\ub97c \uc548 \ud560 \uc218\uac00 \uc5c6\uace0, \uacf5\ubd80\ub97c \ud558\uc9c0\uc54a\uace0\uc11c\ub294 \ub354 \uc774\uc0c1 \uc9c4\ub3c4\uac00 \ub098\uac00\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_%E2%80%98%EC%82%AC%EC%97%85%EC%9E%90%EB%8C%80%EC%B6%9C_%EA%B4%80%EB%A6%AC_%EB%AF%B8%ED%9D%A1\"><\/span><strong>6) &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \uad00\ub9ac \ubbf8\ud761<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc774 \uae00\uc744 \uc4f0\ub294 \ub3c4\uc911, \ud6c4\uc18d \uae30\uc0ac\uac00 \uc62c\ub77c\uc654\uc2b5\ub2c8\ub2e4. \uc0c8\ub9c8\uc744 \uae08\uace0\uc5d0\uc11c\ub294 &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \ub85c \ub098\uac04 \ub3c8\uc774 \uc6d0\ub798 \ucde8\uc9c0\uc778 \uc0ac\uc5c5\uc6a9\ub3c4\ub85c \uc4f0\uc9c0 \uc54a\uc558\uc744 \uacbd\uc6b0 \ud658\uc218\uc870\uce58\ud560 \uacc4\ud68d\uc774\ub77c\uace0 \ubc1d\ud614\ub124\uc694. \uc790\uc2e0\ub4e4\uc774 \uc0ac\uc5c5\uc790\ub300\ucd9c\ub85c \uc801\ubc95\ud558\uac8c \ub300\ucd9c\ud574\uc900\uac83\uc774\ub77c \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc640, \uc501\uc4f8\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uac19\uc740 \uc11c\ubbfc\ub4e4\ub3c4 &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \ubc1b\uace0 \uc2f6\uc2b5\ub2c8\ub2e4. \uc5b4\ub5bb\uac8c \ud558\uba74 20\ub300 \ub300\ud559\uc0dd\uc774 \uc0ac\uc5c5\uc790\uac00 \ub35c\ub801 \ub0b4\ub193\uace0 \uc0ac\uc5c5\uc2e4\uc801\ub3c4 \uc5c6\uace0, \uc0ac\uc5c5\uacc4\ud68d\ub3c4 \uc5c6\uc774 \ub300\ucd9c\uc744 11\uc5b5\uc744 \ubc1b\uc744 \uc218 \uc788\uc744\uae4c\uc694.\u00a0 \uc774\ub7f0 \uc2e0\uae30\ud55c \uae30\uc220\uc744 \uc5b4\ub5bb\uac8c \ud558\uba74 \uc54c \uc218 \uc788\uc744\uae4c\uc694..<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_%EC%9D%80%ED%96%89_%EC%83%81%EB%8B%B4\"><\/span><strong>7) \uc740\ud589 \uc0c1\ub2f4<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uadf8\ub3d9\uc548 \uc784\uc7a5\uc744 \ub2e4\ub2c8\uba70 \ub290\ub080 \uac83\uc744 \ube14\ub85c\uadf8\uc5d0 \uc815\ub9ac\ud574\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uc774\uc81c\ubd80\ud130\ub294 \uc2e4\uc804\ud3b8\uc73c\ub85c \uc740\ud589\uad8c\uc5d0\uc11c \ub300\ucd9c\uc0c1\ub2f4, \ub300\ud658\ub300\ucd9c,&#8217;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \ud558\ub294 \uac83\uc744 \uc2e4\ud5d8\ud574\ubcfc\uae4c \ud569\ub2c8\ub2e4.\u00a0 \ub9c9\uc5f0\ud55c \uc0dd\uac01\uc774 \uc544\ub2c8\ub77c, \uc2e4\uc81c \uc0c1\ub2f4\ud558\uba74\uc11c \ubc8c\uc5b4\uc9c0\ub294 \uad6c\uccb4\uc801\uc778 \uc77c\uc744 \uba85\ud655\ud558\uac8c \uae00\ub85c \ud45c\ud604\ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc591\ubb38\uc11d \uad6d\ud68c\uc758\uc6d0 \ud6c4\ubcf4 \uc790\ub140\uac00 20\ub300 \ub300\ud559\uc0dd \uc2e0\ubd84\uc73c\ub85c \uc0c8\ub9c8\uc744\uae08\uace0\uc5d0\uc11c &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \ub85c 11\uc5b5\uc6d0\uc744 \ub300\ucd9c\ubc1b\uc558\ub2e4\ub294 \uc0ac\uc2e4\uc774 \uc815\uce58\uad8c\uc5d0 \uc774\uc288\ub85c \ub5a0\uc624\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4.\u00a0 \uc774 \ubb38\uc81c\uc5d0 \ub300\ud574\uc11c \uc591\ubb38\uc11d \ud6c4\ubcf4\ub294 \uc8fc\ud0dd\uad11\ud48d\uc774 \ubd88\ub358 \uc2dc\uc808, \uaf3c\uc218\uc600\ub358 \uac83\uc740 \uc778\uc815\ud558\uc9c0\ub9cc \uc99d\uc5ec\ub294 \uc544\ub2c8\ub77c\uace0 \ub9d0\ud588\ub2e4\ud569\ub2c8\ub2e4.\u00a0 \ubb50\uc8e0 ? \ud2b9\ud61c\ubb38\uc81c\uc778\uac00\uc694 ?\u00a0 \uc99d\uc5ec\ubb38\uc81c\uc778\uac00\uc694 ?\u00a0 \uc6b0\ub9ac\uac00 \uad81\uae08\ud55c \uac83\uc740 &#8216;\uc0ac\uc5c5\uc790\ub300\ucd9c&#8217; \uc774 \uc5b4\ub5bb\uac8c \uac00\ub2a5\ud588\uc744\uae4c \uc544\ub2cc\uac00\uc694 ? &nbsp; \uc0ac\uc5c5\uc790\ub300\ucd9c \ubd80\ub3d9\uc0b0\uc5d0 \uad00\uc2ec\uc744 \uac00\uc9c0\uace0 \uc5ec\ub7ec\uc9c0\uc5ed \uc784\uc7a5\uc744 \ub2e4\ub2c8\uba74\uc11c \uc544\ud30c\ud2b8\ub97c &#8230; <a title=\"\uc591\ubb38\uc11d \uc790\ub140 \uc0c8\ub9c8\uc744\uae08\uace0 \uc0ac\uc5c5\uc790\ub300\ucd9c \ud2b9\ud61c, \ubb38\uc81c\ub294 LTV \uac00 \uc544\ub2c8\uc9c0 !\" class=\"read-more\" href=\"https:\/\/zotahome.com\/%ec%96%91%eb%ac%b8%ec%84%9d-%ec%83%88%eb%a7%88%ec%9d%84%ea%b8%88%ea%b3%a0-%ec%82%ac%ec%97%85%ec%9e%90%eb%8c%80%ec%b6%9c\/\" aria-label=\"Read more about \uc591\ubb38\uc11d \uc790\ub140 \uc0c8\ub9c8\uc744\uae08\uace0 \uc0ac\uc5c5\uc790\ub300\ucd9c \ud2b9\ud61c, \ubb38\uc81c\ub294 LTV \uac00 \uc544\ub2c8\uc9c0 !\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[49],"_links":{"self":[{"href":"https:\/\/zotahome.com\/wp-json\/wp\/v2\/posts\/152"}],"collection":[{"href":"https:\/\/zotahome.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zotahome.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zotahome.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/zotahome.com\/wp-json\/wp\/v2\/comments?post=152"}],"version-history":[{"count":3,"href":"https:\/\/zotahome.com\/wp-json\/wp\/v2\/posts\/152\/revisions"}],"predecessor-version":[{"id":155,"href":"https:\/\/zotahome.com\/wp-json\/wp\/v2\/posts\/152\/revisions\/155"}],"wp:attachment":[{"href":"https:\/\/zotahome.com\/wp-json\/wp\/v2\/media?parent=152"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zotahome.com\/wp-json\/wp\/v2\/categories?post=152"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zotahome.com\/wp-json\/wp\/v2\/tags?post=152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}