¾ÆÆÄÆ® ÁÖÅô㺸´ëÃâ ÃÖ´ëÇѵµ LTV 90%~110% Ãß°¡Àڱݸ¶·Ã (°³Àλç¾÷ÀÚ/¹ýÀλç¾÷ÀÚ)
»ç¾÷ÀÚ ¾ÆÆÄÆ®´ãº¸´ëÃâ ÃÖ´ëÇѵµ 85% / 90% / 95%±îÁö
< ÀúÃàÀºÇà Á¶°Çºñ±³ >
°³Àλç¾÷ÀÚ ¹× ¹ýÀλç¾÷ÀÚ ¾ÆÆÄÆ® ÁÖÅô㺸´ëÃâ ÃÖ´ëÇѵµ LTV 90%~110% Ãß°¡Àڱݸ¶·Ã (°³Àλç¾÷ÀÚ/¹ýÀλç¾÷ÀÚ)
< ¼±¼øÀ§´ëȯ vs ÈļøÀ§Ãß°¡ >
½ÃÁß1±ÝÀ¶ ÀºÇà ¾ÆÆÄÆ®´ëÃâÇѵµ´Â LTVÀÎÁ¤ºñÀ²¿¡ µû¶ó 60%~70%±îÁö¸¸ÀÌ °¡°èÀÚ±ÝÀ¸·Î ÁøÇàµË´Ï´Ù.
(8.2 ºÎµ¿»ê´ëÃ¥ ÀÌÈÄ 30%~70%±îÁö·Î Ãà¼ÒµÇ¾úÁÒ.)
ÀúÃàÀºÇà¿¡¼ ¾ÆÆÄÆ®´ãº¸´ëÃâÀ» ÁøÇàÇÏ´Â ÀÌÀ¯´Â ¹Ù·Î " Çѵµ "°¡ ³ô±â¶§¹®ÀÔ´Ï´Ù.
»ç¾÷ÀںеéÀÇ °æ¿ì ¼ÒÀ¯ÁßÀÎ ¾ÆÆÄÆ®¸¦ ´ãº¸·Î Ãß°¡´ëÃâ ¹× ÃÖ´ëÇѵµ¸¦ ÇÑ°ÇÀ¸·Î ÁøÇàÇÏ¿©
ÇÊ¿äÇÑ »ç¾÷Àڱݸ¶·Ã ¹× ºÎäÁ¤¸®¸¦ ÇÑ°ÇÀ¸·Î ÁøÇàÇغ¸½Ç¼ö ÀÖ°Ú½À´Ï´Ù.
»ç¾÷ÀÚ Æ¯ÆÇ
1) »ç¾÷ÀÚ±Ý ¿î¿µÀÚ±Ý È®º¸
2) ºÎä ÅëÇÕÁ¤¸® (µî±Þ»óÇâ¿¡ µµ¿ò)
3) ÅõÀÚ ¸ñÀû ÀÚ±Ý
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A ÀúÃàÀºÇà
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B ÀúÃàÀºÇà
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C ijÇÇÅ»
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ÀÚ°ÝÁ¶°Ç
¹×
°øÅë»çÇ×
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- ½Ã´ÜÀ§ ¾ÆÆÄÆ®
- »ç¾÷ÀÚ ´ë»ó (°³Àλç¾÷ÀÚ / ¹ýÀλç¾÷ÀÚ)
- ¼ÒÀ¯±ÇÀÌÀüÇÑÁö 1°³¿ù ~ 3°³¿ùÀÌ»ó (ÀÚ´ã°Ç / ´ëȯ°Ç)
- ¸Å¸Å°Ç ºÒ°¡
- Àü¿ë¸éÀû 110§³À̳» À¯¸®
- ½Å¿ëµî±Þ¿¡ µû¸¥ Çѵµ/±Ý¸® Â÷µîÀû¿ë
|
Çѵµ
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½Ã¼¼ 85%
|
½Ã¼¼ 90% (ÃÖ´ë 92%°¡´É)
|
ÃÖ´ë 100% (ÈļøÀ§ºñÀ²)
|
±Ý¸®
|
4.9 ~ 6.5% (¼±¼øÀ§)
6.4 ~8.6% (ÈļøÀ§)
|
5.8 ~ 7.2% (¼±¼øÀ§)
7.3 ~ 9.4% (ÈļøÀ§)
|
10.4 ~ 12.2% (ÈļøÀ§) |
½Å¿ëµî±Þ
|
7µî±Þ±îÁö °¡´É
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6µî±Þ±îÁö °¡´É
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6µî±Þ±îÁö °¡´É
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»óȯ¹æ½Ä
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3³â ¸¸±âÀϽûóȯ (ÀÌÀÚ¸¸ ³³ÀÔ)
ÀÌÈÄ ¿¬Àå°¡´É
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3³â ¸¸±âÀϽûóȯ (ÀÌÀÚ¸¸ ³³ÀÔ)
ÀÌÈÄ ¿¬Àå°¡´É
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3³â ¸¸±âÀϽûóȯ (ÀÌÀÚ¸¸ ³³ÀÔ)
ÀÌÈÄ ¿¬Àå°¡´É
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¼ÒµæÁõºù
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- ½Ç»ç¾÷ÀÚ (°³ÀÎ/¹ýÀÎ)
- »ç¾÷¼Òµæ ½Å°íµÈÀÚ
- »ç¾÷ÀÚ ¿µÀ§Áõºù Çʼö
- ȯ»ê¼Òµæ(Ä«µå,°Çº¸·á) DTI ÃæÁ·°¡´É
- »ç¾÷ÀÚµî·ÏÁõ, ºÎ°ú¼¼Áõ¸í¿ø ÇÊ
|
- ½Ç»ç¾÷ÀÚ (°³ÀÎ/¹ýÀÎ)
- °¡°èÀÚ±Ý DTIÃæÁ· ÇÊ
- »ç¾÷ÀÚ ¿µÀ§Áõºù Çʼö
- ½Å±Ô»ç¾÷ÀÚ °¡´É(Áï¹ß»ç¾÷ÀÚ)
- »ç¾÷ÀÚµî·ÏÁõ, ºÎ°ú¼¼Áõ¸í¿ø ÇÊ
|
- °³Àλç¾÷ÀÚ¸¸ °¡´É(¹ýÀÎ ºÒ°¡)
- 3°³¿ùÀÌ»ó »ç¾÷¿µÀ§ ¹× ¸ÅÃâ½Å°í
- ½Ç»ç¾÷ÀÚ Áß¿ä( DTI ÃæÁ·)
- »ç¾÷ÀÚµî·ÏÁõ, ºÎ°ú¼¼Áõ¸í¿ø ÇÊ
- Áö¿ª ±ÞÁö¿¡ µû¸¥ ÇѵµÂ÷µî
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Ư¡
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- DTI¹«°ü
- ´ëÇüÆò¼ö ¹«°ü
- ¸¶À̳ʽº ÅëÀå °¡´É(±Ý¸® 1%°¡»ê)
- ÃÖÀú±Ý¸® ƯÆÇ
- ±¹¼¼Ã¼³³,¼¼±Ýü³³, ¾Ð·ù µ¿½ÃÁøÇà °¡´É
|
- °³ÀÎ/¹ýÀÎ/½Å±Ô/ÀÓ´ë/¸é¼¼ »ç¾÷ÀÚ
- Àü¿ë 110§³À̳» À¯¸®
- ½Å±Ô»ç¾÷ÀÚ °¡´É(Áï¹ß »ç¾÷ÀÚ)
- ÆòÇü´ë¿¡ µû¸¥ ½Ç°Å·¡°¡ Âü°í
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- °³Àλç¾÷ÀÚ¸¸ °¡´É(¹ýÀÎ ºÒ°¡)
- ½Ç°Å·¡°¡Âü°í /Áö¿ªº° ±ÞÁöÂ÷µî
- DTIÃæÁ·
- ½Å¿ë 1~6µî±Þ À̳»
- ´ëÃâ±Ý ÃÖ´ë 3¾ï¿ø±îÁö
|
¡Ø ÇØ´çÁ¶°ÇÀº ¼ÒÀ¯ÇÑÁö 1°³¿ù~3°³¿ùÀÌ»óµÈ ¾ÆÆÄÆ® ¸¸ °¡´ÉÇϸç,
»ç¾÷ÀÚ À϶§ ½ÂÀÎ½É»ç °¡´ÉÇÕ´Ï´Ù.
(°³Àλç¾÷ÀÚ,¹ýÀλç¾÷ÀÚ,ÀÓ´ë»ç¾÷ÀÚ,¸é¼¼»ç¾÷ÀÚ,½Å±Ô»ç¾÷ÀÚ)
¡ØÁ÷ÀåÀÎ °æ¿ì ÃÖ´ëÇѵµ 90%±îÁö / ±Ý¸®´Â ¿¬ 13~15%´ë
¾ÆÆÄÆ®´ãº¸ Ãß°¡´ëÃâ ¹× ÃÖ´ëÇѵµ <¼±¼øÀ§ vs ÈļøÀ§>
Ãß°¡Àڱݸ¶·Ã ¹× ºÎäÅëÇÕÁ¤¸®
»ç¾÷ÀÚ Á¶°Ç Çʼö < °³Àλç¾÷ÀÚ / ¹ýÀλç¾÷ÀÚ >
ÀúÃàÀºÇà »ç¾÷ÀÚ ¾ÆÆÄÆ®´ãº¸´ëÃâ
Ãß°¡´ëÃâ ¹× ÃÖ´ëÇѵµ Á¶°Çºñ±³ ¾ÆÆÄÆ® ÁÖÅô㺸´ëÃâ ÃÖ´ëÇѵµ LTV 90%~110% Ãß°¡Àڱݸ¶·Ã (°³Àλç¾÷ÀÚ/¹ýÀλç¾÷ÀÚ)
Tel. 010-9444-6362
¸ð¹ÙÀÏ Å¬¸¯½Ã ¹Ù·Î ÇØ´ç¹øÈ£·Î ¿¬°áµË´Ï´Ù.
¸ðµç ±Ý¸®ºñ±³ »ó´ãÀº ¹«·á·Î ÁøÇàµË´Ï´Ù.
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