{"id":76,"date":"2024-01-10T22:54:29","date_gmt":"2024-01-10T13:54:29","guid":{"rendered":"https:\/\/hobbyclass.store\/?p=76"},"modified":"2024-05-16T22:06:05","modified_gmt":"2024-05-16T13:06:05","slug":"2024%eb%85%84-%ec%8b%a0%ec%83%9d%ec%95%84-%ed%8a%b9%eb%a1%80%eb%8c%80%ec%b6%9c-%ec%8b%a0%ec%b2%ad%ec%a1%b0%ea%b1%b4-%ed%99%95%ec%9d%b8%ed%95%98%ea%b8%b0","status":"publish","type":"post","link":"https:\/\/hobbyclass.co.kr\/?p=76","title":{"rendered":"2024\ub144 \uc2e0\uc0dd\uc544 \ud2b9\ub840\ub300\ucd9c, \uc2e0\uccad\uc870\uac74 \ud655\uc778\ud558\uae30"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">2024\ub144 \uc2e0\uc0dd\uc544 \ud2b9\ub840\ub300\ucd9c, \uc2e0\uccad\uc870\uac74 \ud655\uc778\ud558\uae30<\/h2>\n\n\n\n<p>\ucd5c\uadfc \ucd9c\uc0b0\uad00\ub828 \ubcf5\uc9c0 \uc815\ucc45\uc5d0 \uc0c8\ub85c\uc6b4 \uc18c\uc2dd\uc774 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \ubc14\ub85c \ucd9c\uc0b0\uc7a5\ub824\ub97c \uc704\ud55c \uc815\ucc45\uc774\uba74\uc11c \uc8fc\uac70\uc548\uc815\uc744 \uaf64\ud55c \uc2e0\uc0dd\uc544 \ud2b9\ubcc4\ub300\ucd9c\uc774 12\uc6d4 27\uc77c\uc5d0 \uc2dc\ud589\uc548\uc774 \ubc1c\ud45c\uac00 \ub418\uc5c8\uae30 \ub54c\ubb38\uc778\ub370\uc694 <\/p>\n\n\n\n<p>\uc810\uc810\uc904\uc5b4\uac00\ub294 \uc778\uad6c\uc218 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \ub098\uc628 \uc815\ucc45\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uac1c\uc778\uc801\uc778 \uc0dd\uac01\uc73c\ub85c\ub294 \ud574\uc678\uc758 \uc815\ucc45\uc744 \ubca4\uce58\ub9c8\ud0b9\ud55c \uc815\ucc45\uc778\uac83 \uac19\uc740\ub370\uc694 <\/p>\n\n\n\n<p>\ud574\uc678 \uc5b4\ub290\ub098\ub77c\uc5d0\uc11c\ub294 \ucd9c\uc0b0\ub960 \uc0c1\uc2b9\uc5d0 \uc720\uc77c\ud558\uac8c \uc131\uacf5\ud588\ub358 \uc815\ucc45\uc774 \uc788\ub294\ub300\uc694 <\/p>\n\n\n\n<p>\ubc14\ub85c \ucd9c\uc0b0\uc744 \ud55c\ub2e4\uace0 \uc120\uc5b8\ud55c \uc2e0\ud63c\ubd80\ubd80\ub4e4\uc5d0\uac8c \uc9d1\uc744 \ub9c8\ub828\ud560\uc218 \uc788\ub294 \ub300\ucd9c\uc744 \ud574\uc90d\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uadf8\ub9ac\uace0 \uba87\ub144\uc548\uc5d0 \ucd9c\uc0b0\uc744 \ud558\uac8c \ub418\uba74 \uc774\uc790\ub97c \uac10\uba74\ud574 \uc8fc\uace0 \uc6d0\uae08\uc744 \uc808\ubc18 \ud0d5\uac10\ud574 \uc90d\ub2c8\ub2e4. <\/p>\n\n\n\n<p>2\uc9f8\ub97c \ub0b3\uc73c\uba74 \uc6d0\uae08\uc758 \uc804\uc561 \ud0d5\uac10\ud574 \uc90d\ub2c8\ub2e4. \ub180\ub78d\uc9c0\uc694 \ub354 \ub180\ub77c\uc6b4 \uac83\uc740 <\/p>\n\n\n\n<p>3\uc9f8\ub97c \ub0b3\uc73c\uba74 \uc18c\ub4dd\uc138\ub97c \uac10\uba74\uc2dc\ucf1c \uc8fc\ub294 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\uac83\uc774 \ud574\uc678\uc5d0\uc11c \uc720\uc77c\ud558\uac8c \uc131\uacf5\ud588\ub358 \ucd9c\uc0b0\uc7a5\ub824 \uc815\ucc45\uc778\ub370 \uc544\ub9c8 \uc6b0\ub9ac\ub098\ub77c\ub3c4 \ube44\uc2b7\ud55c \ud615\ud0dc\ub85c \uc815\ucc45\uc744 \ud3bc\uce58\uc9c0 \uc54a\uc744\uac00 \uc0dd\uac01\ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub9d0\uc774 \uae38\uc5c8\ub124\uc694 <\/p>\n\n\n\n<p>\ub2e4\uc2dc \ub3cc\uc544\uc640\uc11c \uc774\ubc88 2024\ub144 \uc2e0\uc0dd\uc544 \ud2b9\ub840 \ub300\ucd9c\uc5d0 \ub300\ud574\uc11c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. <span style=\"text-decoration: underline;\">\uc2e0\uc0dd\uc544 \ud2b9\ub840\ub300\ucd9c<\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"805\" height=\"276\" src=\"https:\/\/i0.wp.com\/hobbyclass.store\/wp-content\/uploads\/2024\/01\/image-11.png?resize=805%2C276&#038;ssl=1\" alt=\"\" class=\"wp-image-77\" srcset=\"https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-11.png?w=805&amp;ssl=1 805w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-11.png?resize=300%2C103&amp;ssl=1 300w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-11.png?resize=768%2C263&amp;ssl=1 768w\" sizes=\"auto, (max-width: 805px) 100vw, 805px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc774\ubc88 \uc2e0\uc0dd\uc544 \ud2b9\ub840\ub300\ucd9c\uc740 \ucd9c\uc0b0\uac00\uad6c\ub97c \ub300\uc0c1\uc73c\ub85c \ucd5c\ub3005\uc5b5 \uae4c\uc9c0 \uad6c\ud0dd \uad6c\uc785\uc790\uae08 \ub300\ucd9c\uc744 \uc9c0\uc6d0\ud558\ub294 \uc815\ucc45 \uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. <span style=\"text-decoration: underline;\">\uc2e0\uccad \ubc29\ubc95<\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"798\" height=\"325\" src=\"https:\/\/i0.wp.com\/hobbyclass.store\/wp-content\/uploads\/2024\/01\/image-12.png?resize=798%2C325&#038;ssl=1\" alt=\"\" class=\"wp-image-78\" srcset=\"https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-12.png?w=798&amp;ssl=1 798w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-12.png?resize=300%2C122&amp;ssl=1 300w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-12.png?resize=768%2C313&amp;ssl=1 768w\" sizes=\"auto, (max-width: 798px) 100vw, 798px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>2024\ub144 1\uc6d4 29\uc77c\ubd80\ud130 \uc2e0\uccad \uc811\uc218\ub97c \ubc1b\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc2e0\uccad \uc870\uac74\uc740 23\ub144\ub3c4 1\uc6d4 1\uc77c \uc774\ud6c4 \ucd9c\uc0b0\uc744 \ud55c \uac00\uad6c \ubd80\ud130 \uc18c\uae09 \uc801\uc6a9\ub418\uc11c \uc9c0\uc6d0\uc774 \uac00\ub2a5\ud558\ub2e4\uace0 \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub290\ub08c\uc774 \uac08\uc218\ub85d \uc815\ucc45\uc774 \ub9ce\uc544 \uc9c0\ub294\ub370&#8230; \uc560\ub97c\uc77c\ucc0d \ub0b3\uc73c\uba74 \uc190\ud574 \ubcf4\ub294 \ub290\ub08c? \uc774 \ub4dc\ub294\uac83\uc740 \ub290\ub08c\ud0d3\uc77c\uac83\uc774\ub77c \uc0dd\uac01\ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\ubc88 \uc815\ucc45\uc740 \uae30\ubcf8\uc801\uc73c\ub85c 2\ub144 \ub0b4 \ucd9c\uc0b0\ud55c \uac00\uad6c\ub97c \ub300\uc0c1\uc73c\ub85c \ud558\ub2c8\uae4c \ubc30\uc6b0\uc790\uc640 \ubbf8\ub840 \uacc4\ud68d\uc744 \uc138\uc6b8\ub54c \ub9de\ucdb0\uc11c \uc9c4\ud589\ud558\uba74 \uc88b\uc744 \uac83 \uac19\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\ub9cc\uc57d \ub0b4\uac00 \ucd9c\uc0b0\ub300\ucd9c \ub300\uc0c1\uc790\uac00 \uc544\ub2c8\ub77c\uba74 \ub208\ubb3c\uc744 \ub2eb\uace0 \ub514\ub524\ub3cc\ub300\ucd9c\uc774\ub098 \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860\uc744 \uc2e0\uccad\ud558\uba74 \ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. <span style=\"text-decoration: underline;\">\ub300\ucd9c \uc870\uac74 <\/span><\/h2>\n\n\n\n<p>2024\ub144 \uc2e0\uc0dd\uc544 \ud2b9\ub840\ub300\ucd9c \uc870\uac74\uc740 \ub300\ucd9c\uc2e0\uccad\uc77c \uae30\uc900 2\ub144\ub0b4 \ucd9c\uc0b0\ud55c \uc138\ub300\uc8fc , \ubd80\ubd80\ud569\uc0b0\uc774 \uc5f0\uc18c\ub4dd 1\uc5b5 3\ucc9c\ub9cc\uc6d0 \uc774\ud558, \uc21c\uc790\uc0b0\uc774 4\uc5b5 69\ubc31\ub9cc\uc6d0 \uc774\ud558 \uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc0dd\uac01\ubcf4\ub2e4 \ub9ce\uc774 \ub108\ud504\ud55c \uac83 \uc0c5\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub2e8 2024\ub144 \ud55c\uc815, 2\ub144 \ub0b4 \ucd9c\uc0b0\ud55c \uac00\uad6c \uae30\uc900\uc73c\ub85c 2023\ub144 1\uc6d4 1\uc77c \uc774\ud6c4\uc5d0 \ucd9c\uc0b0\ud55c \uac00\uad6c\ub9cc \uac00\ub2a5\ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc785\uc591\uc544\ub3c4 \ub300\uc0c1\uc774\ub77c\uace0 \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc8fc\ud0c1\uc740 \uc8fc\ud0dd\uac00\uc561 9\uc5b5\uc6d0 \uc774\ud558\uba74 \uac00\ub2a5\ud558\uace0 \uc804\uc6a9\uba74\uc801\uc774 85\uc81c\uacf1\ubbf8\ud130\ub97c \ub300\uc0c1\uc73c\ub85c \uc2e0\uccad\uc774 \uac00\ub2a5\ud558\ub2e4\uace0 \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub2e8 \uc218\ub3c4\uad8c\uc744 \ubc97\uc5b4\ub09c \uc74d\uc774\ub098 \uba74\ub2e8\uc704 \uc9c0\uc5ed\uc740 \uc804\uc6a9\uba74\uc801 100\uc81c\uacf1\ubbf8\ud130 \uae4c\uc9c0 \uc801\uc6a9\uc774 \ub41c\ub2e4\uace0 \ud558\ub124\uc694 <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\ub300\ucd9c \ud55c\ub3c4\ub294 \ucd5c\ub300 5\uc5b5\uae4c\uc9c0 \uac00\ub2a5\ud558\uba70, LTV 70% \ub2e8 \uc0dd\uc560\ucd5c\ucd08\ub294 80%\uae4c\uc9c0 \ub41c\ub2e4\uace0 \ud569\ub2c8\ub2e4. DTI60%\uac00 \uc801\uc6a9\ub41c\ub2e4\uace0 \ud558\ub124\uc694 <\/p>\n\n\n\n<p>\uadf8\ub9ac\uace0 \ub300\ucd9c\ub9cc\uae30\ub294 10\ub144, 15\ub144, 20\ub144, 30\ub144 \ub2e8\uc704\ub85c \uc2e0\uccad\ud560\uc218 \uc788\uc73c\uba70, \uac70\uce58\ub294 1\ub144\uc774 \uac00\ub2a5\ud558\uba70 \ud639\uc740 \ubb34\uac70\uce58\ub85c \uac00\ub2a5\ud558\ub2e4\uace0 \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc694\uac74 \uc870\uae08 \uc544\uc27d\ub2e4 <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. <span style=\"text-decoration: underline;\">\ub300\ucd9c \uae08\ub9ac<\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"802\" height=\"142\" src=\"https:\/\/i0.wp.com\/hobbyclass.store\/wp-content\/uploads\/2024\/01\/image-13.png?resize=802%2C142&#038;ssl=1\" alt=\"\" class=\"wp-image-79\" srcset=\"https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-13.png?w=802&amp;ssl=1 802w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-13.png?resize=300%2C53&amp;ssl=1 300w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-13.png?resize=768%2C136&amp;ssl=1 768w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-13.png?resize=800%2C142&amp;ssl=1 800w\" sizes=\"auto, (max-width: 802px) 100vw, 802px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>2024\ub144 \uc2e0\uc0dd\uc544 \ud2b9\ub840\ub300\ucd9c \uae08\ub9ac\ub294 \uc18c\ub4dd\uacfc \ub9cc\uae30\uc5d0 \ub530\ub77c 1.6 ~3.3%\uac00 \uc801\uc6a9\ub41c\ub2e4\uace0 \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"803\" height=\"139\" src=\"https:\/\/i0.wp.com\/hobbyclass.store\/wp-content\/uploads\/2024\/01\/image-14.png?resize=803%2C139&#038;ssl=1\" alt=\"\" class=\"wp-image-80\" srcset=\"https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-14.png?w=803&amp;ssl=1 803w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-14.png?resize=300%2C52&amp;ssl=1 300w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-14.png?resize=768%2C133&amp;ssl=1 768w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-14.png?resize=800%2C139&amp;ssl=1 800w\" sizes=\"auto, (max-width: 803px) 100vw, 803px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>1\uc790\ub140 \uae30\uc900\uc73c\ub85c \uace0\uc815\uae08\ub9ac \uc801\uc6a9\uae30\uac04\uc740 \ucd5c\ub300 5\ub144\uae4c\uc9c0\uc778\ub370 \ub0b4\uac00 \ucd94\uac00\ub85c \uc790\ub140\ub97c \ub354 \ub0b3\uc73c\uba74 5\ub144\uc529 \uc5f0\uc7a5\ub3c4 \uac00\ub2a5\ud558\ub2e4\uace0 \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub610\ud55c \uae08\ub9ac\ub3c4 0.2%\uac00 \ub0ae\uc544\uc9c0\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ub2e8 \uae08\ub9ac \ucd5c\ub300 \ud558\ud55c\uc120\uc740 1.2%\uae4c\uc9c0\uc774\uba70, \ud2b9\ub840\uae30\uac04 \uc0c1\ud55c\uc120\uc740 15\ub144 \uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"802\" height=\"183\" src=\"https:\/\/i0.wp.com\/hobbyclass.store\/wp-content\/uploads\/2024\/01\/image-15.png?resize=802%2C183&#038;ssl=1\" alt=\"\" class=\"wp-image-81\" srcset=\"https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-15.png?w=802&amp;ssl=1 802w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-15.png?resize=300%2C68&amp;ssl=1 300w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-15.png?resize=768%2C175&amp;ssl=1 768w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-15.png?resize=800%2C183&amp;ssl=1 800w\" sizes=\"auto, (max-width: 802px) 100vw, 802px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\ud2b9\ub840\ub300\ucd9c \uae08\ub9ac \uc801\uc6a9\uae30\uac04\uc774 \uc885\ub8cc \ub418\uba74 \uc5f0\uc18c\ub4dd 8500\ub9cc\uc6d0\uc774\ud558\ub294 0.55%\uac00 \uac00\uc0b0\ub418\uace0, 8500\ub9cc\uc6d0 \ucd08\uacfc\ub294 \uc2dc\uc911\uc740\ud589 \uc6d4\ubcc4\uae08\ub9ac\uc911 \ucd5c\uc800\uce58\uac00 \uc801\uc6a9\ub41c\ub2e4\uace0 \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"802\" height=\"191\" src=\"https:\/\/i0.wp.com\/hobbyclass.store\/wp-content\/uploads\/2024\/01\/image-16.png?resize=802%2C191&#038;ssl=1\" alt=\"\" class=\"wp-image-82\" srcset=\"https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-16.png?w=802&amp;ssl=1 802w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-16.png?resize=300%2C71&amp;ssl=1 300w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-16.png?resize=768%2C183&amp;ssl=1 768w, https:\/\/i0.wp.com\/hobbyclass.co.kr\/wp-content\/uploads\/2024\/01\/image-16.png?resize=800%2C191&amp;ssl=1 800w\" sizes=\"auto, (max-width: 802px) 100vw, 802px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>2024\ub144 \uc2e0\uc0dd\uc544\ud2b9\ub840\ub300\ucd9c \uae08\ub9ac\uac00 \uc885\ub8cc\ub41c \ud6c4\uc5d0\ub3c4 \uc6b0\ub300\uae08\ub9ac\ub294 \uacc4\uc18d \uc801\uc6a9\ub41c\ub2e4\uace0 \ud558\ub2c8, \ub300\ucd9c \uc2e0\uccad \uc804\uc5d0 \uc870\uac74\uc744 \uac16\ucdb0\uc11c \uc9c4\ud589\ud558\ub294 \uac83\ub3c4 \ubc29\ubc95\uc77c \uac83 \uac19\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2024\ub144 \uc2e0\uc0dd\uc544 \ud2b9\ub840\ub300\ucd9c, \uc2e0\uccad\uc870\uac74 \ud655\uc778\ud558\uae30 \ucd5c\uadfc \ucd9c\uc0b0\uad00\ub828 \ubcf5\uc9c0 \uc815\ucc45\uc5d0 \uc0c8\ub85c\uc6b4 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