ºÎµ¿»ê°øºÎ¸¦ ½ÃÀÛÇÏ´Â »ç¶÷À̶ó¸é ³» Ã¥ [1ºÐ¸¸¿¡ °è»êÇÏ´Â ºÎµ¿»ê¼¼±Ý], [1ºÐ¸¸¿¡ °è»êÇÏ´Â ÀÓ´ë»ç¾÷ÀÚ¼¼±Ý], °Å±â¿¡ ´õÇØ ¼Òµæ¼¼¿¡ ´ëÇØ ¾Ë±â½±°Ô ¼³¸íÇÑ [1ºÐ¸¸¿¡ °è»êÇÏ´Â »ïÂÀ»ï(3.3)¼¼±Ý]±îÁö ²À ÀоîºÁ¾ßÇÑ´Ù°í »ý°¢ÇÑ´Ù.
¿ì¸®´Â ºÎµ¿»ê¼¼±ÝÀ̳ª ÀÓ´ë»ç¾÷ÀÚ¿¡ ´ëÇÑ Á¤È®ÇÑ ÀÌÇØ¿Í °³³äÁ¤¸³¾øÀÌ °æ¸Å¸¦ ÇÏ°í °¸ÅõÀÚ¸¦ ÇÏ°í ¼Ò¾×ÅõÀÚ¸¦ ÇÏ°í ºÎµ¿»êÅõÀÚ¸¦ ÇÑ´Ù.
´ç½ÅÀÇ ²ÞÀº ¹«¾ùÀΰ¡?
³ªÀÇ ²ÞÀº ¹«¾ð°¡?
°Ç¹° ¸î ä °¡Áö°í ¿ù¼¼¹Þ¾Æ »ì¸é¼ Æò»ýÀ» ³ëµ¿ÇÏÁö ¾Ê°í »ç°í½ÍÀº°Å ´Ù»ç°í, ¸Ô°í½ÍÀº°Å ´Ù ¸ÔÀ¸¸é¼ ÁÁÀºÁý¿¡¼ È£ÀÇÈ£½ÄÇÏ¸ç »ç´Â°Å ¾Æ´Ñ°¡?
±×·¡ ¹Ù·Î °Ç to the ¹° to the ÁÖ!!!
°Ç¹°ÁÖ!
³Ê¿Í ³ªÀÇ ²ÞÀº ¹Ù·Î °Ç¹°ÁÖÀÎ °ÍÀÌ´Ù.
±×·³ °Ç¹°ÁÖ´Â ±×³É ¿ù¼¼¸¸ ¹ÞÀ¸¸é µÇ´Â °ÍÀΰ¡?
°Ç¹°ÁÖ Áï ÀÓ´ë»ç¾÷ÀÚ¿¡ ´ëÇØ ¸ô¶óµµ µÉ±î?
´ç½ÅÀº ÀÓ´ë»ç¾÷ÀÚ°¡ ¾î¶² ¼¼±ÝÀ» ³»°í ¾î¶² Àǹ«°¡ ÀÖ´ÂÁö ¾Æ´Â°¡?
ÀÚ ÀÌÃ¥Àº °Ç¹°ÁÖ°¡ µÇ°í ½ÍÀº »ç¶÷µéÀÌ ²À Àоî¾ßÇÒ Ã¥ÀÌ´Ù.
¶ÇÇÑ °æ¸Å¸¦ ½ÃÀÛÇÏ·Á´Â »ç¶÷, ºÎµ¿»ê°øºÎ¸¦ ½ÃÀÛÇÏ·Á´Â »ç¶÷µéÀÌ ²À ¸ÕÀú Àоî¾ßÇÒ Ã¥ÀÌ´Ù.
ºÎµ¿»êÀÌ °á±¹ ÁýÀ» »ç°í ÆÈ°í, ÀӴ븦 ÁÖ´Â ÀÏ ¾Æ´Ñ°¡?
±×·³ ±× ÀÏÀ» ÇÏ´Â ¸Å¸Å»ç¾÷ÀÚ, ÀÓ´ë»ç¾÷ÀÚ¿¡ ´ëÇØ ¹«ÁöÇصµ µÇ´Â °ÍÀΰ¡?
ÀÚ ÀÌÁ¦ ÀÌ Ã¥À» ÀÐÀ¸¸é¼ °Ç¹°ÁÖ¿¡ ÇÑ¹ß ´õ ´Ù°¡°¡±æ ¹Ù¶õ´Ù.
ÀÌ Ã¥Àº [1ºÐ¸¸¿¡ °è»êÇÏ´Â ºÎµ¿»ê¼¼±Ý]°ú ¾Æ¹«·¡µµ °°Àº ºÎµ¿»ê¼¼±ÝÀ» ´Ù·ç´Ùº¸´Ï Áߺ¹µÇ´Â ºÎºÐµéÀÌ ÀÖ´Ù. [1ºÐ¸¸¿¡ °è»êÇÏ´Â ºÎµ¿»ê¼¼±Ý]À» °¡º±¿¡ Àаí ÀÌ Ã¥À» Àо ÁÁ°í, ±×³É ÀÌÃ¥ºÎÅÍ °øºÎÇصµ ÁÁ´Ù. ÀÌ Ã¥Àº [1ºÐ¸¸¿¡ °è»êÇÏ´Â ºÎµ¿»ê¼¼±Ý]ÀÇ È®ÀåÆÇ, ¾÷±×·¹À̵å¹öÀüÀ¸·Î »ý°¢Çصµ µÇ°Ú´Ù.
°øºÎ´Â ¸ÕÀú ½±°í ¾ãÀº Ã¥À¸·Î °³³äÀ» ÀâÀº ÈÄ ´õ ¾çÀÌ ¸¹Àº Ã¥À¸·Î ±í°í ³Ð°Ô °øºÎ¸¦ µé¾î°¡¾ß ÇÑ´Ù.
ÀÌ Ã¥Àº ÀÓ´ë»ç¾÷ÀÚ, ¸Å¸Å»ç¾÷ÀÚ, »ó¾÷Àû°Ç¹°Ãë±Þ½Ã, ÁÖÅÃÃë±Þ½Ã, ±×¸®°í ¸íÀÇ°¡ °³ÀÎÀÏ ¶§, °³Àλç¾÷ÀÚÀÏ ¶§, ¹ýÀλç¾÷ÀÚÀÏ ¶§ µî
ºÐ·ù°¡ ¸¹°í Çò°¥¸°´Ù. ±×¸®°í ¼¼±ÝÀÌ °°°Ô Àû¿ëµÇ´Â ºÎºÐÀº ¹Ýº¹µÇ°Å³ª Áߺ¹µÇ´Â ³»¿ëµµ ¸¹´Ù.
¸ÕÀú ÀÓ´ë»ç¾÷ÀÚ¿Í, ¸Å¸Å»ç¾÷ÀÚ¸¦ ³ª´©¾ú°í ±× ´ÙÀ½ »ó¾÷Àû°Ç¹°Ãë±Þ½Ã, ÁÖÅÃÃë±Þ½Ã·Î ³ª´©¾ú°í, °³ÀÎÀÏ ¶§, °³Àλç¾÷ÀÚÀÏ ¶§, ¹ýÀλç¾÷ÀÚÀÏ ¶§·Î ¼¼±ÝÀ» ¼³¸íÇß´Ù.
°øºÎ¸¦ ÇÒ¶© Ç×»ó ºÐ·ù°¡ Áß¿äÇÏ´Ù.
ºÐ·ù¸¦ Ç×»ó »ý°¢ÇÏ¸é¼ ÀÌ Ã¥À» ÀоúÀ¸¸é ÁÁ°Ú´Ù.
½±°Ô ¾²·Á°í ÇßÁö¸¸, ¿ö³« ºÐ·ù°¡ ¸¹°í º¹ÀâÇؼ
ÀÌ Ã¥À» ¾´ ³ªµµ ·Ñ·¯ÄÚ½ºÅ͸¦ ź µí Çò°¥¸®°í ºùºùµ·´Ù.
ºÎµð ¾ÈÀüº§Æ® ²Ë ¸Å°í Ãâ¹ßÇϱ⠹ٶõ´Ù.
ÀúÀÚ¼Ò°³ & Ã¥¼Ò°³
¸ñÂ÷
¼µÎ
¸Å¸Å»ç¾÷ÀÚ/ÀÓ´ë»ç¾÷ÀÚ°¡ ³»¾ßÇÏ´Â ¼¼±Ý
1.¸Å¸Å»ç¾÷ÀÚ
(1)ÁÖÅÃÃë±Þ½Ã ¸Å¸Å»ç¾÷ÀÚVS»ó¾÷Àû°Ç¹°Ãë±Þ½Ã ¸Å¸Å»ç¾÷
2.ÀÓ´ë»ç¾÷ÀÚ
(1)ÁÖÅÃÀÓ´ë»ç¾÷ÀÚVSÀϹÝÀÓ´ë»ç¾÷ÀÚ
3.¸Å¸Å»ç¾÷ÀÚ ¼¼±Ý
(1)ÁÖÅÃÃë±Þ½Ã ¼¼±Ý
?Ãëµæ¼¼ (¸Å¸Å»ç¾÷ÀÚ ÁÖÅÃÃë±Þ½Ã)
?¾çµµ¼¼ (¸Å¸Å»ç¾÷ÀÚ ÁÖÅÃÃë±Þ½Ã)
?Àç»ê¼¼ (¸Å¸Å»ç¾÷ÀÚ ÁÖÅÃÃë±Þ½Ã)
?Á¾Çպε¿»ê¼¼ (¸Å¸Å»ç¾÷ÀÚ ÁÖÅÃÃë±Þ½Ã)
?Á¾Çռҵ漼/¹ýÀμ¼ (¸Å¸Å»ç¾÷ÀÚ ÁÖÅÃÃë±Þ½Ã)
?ºÎ°¡°¡Ä¡¼¼ (¸Å¸Å»ç¾÷ÀÚ ÁÖÅÃÃë±Þ½Ã)
(2)»ó¾÷Àû°Ç¹°Ãë±Þ½Ã ¼¼±Ý
?Ãëµæ¼¼ (¸Å¸Å»ç¾÷ÀÚ »ó¾÷Àû°Ç¹°Ãë±Þ½Ã)
?¾çµµ¼¼ (¸Å¸Å»ç¾÷ÀÚ »ó¾÷Àû°Ç¹°Ãë±Þ½Ã)
?Àç»ê¼¼ (¸Å¸Å»ç¾÷ÀÚ »ó¾÷Àû°Ç¹°Ãë±Þ½Ã)
?Á¾Çպε¿»ê¼¼ (¸Å¸Å»ç¾÷ÀÚ »ó¾÷Àû°Ç¹°Ãë±Þ½Ã)
?Á¾Çռҵ漼/¹ýÀμ¼ (¸Å¸Å»ç¾÷ÀÚ »ó¾÷Àû°Ç¹°Ãë±Þ½Ã)
?ºÎ°¡°¡Ä¡¼¼ (¸Å¸Å»ç¾÷ÀÚ »ó¾÷Àû°Ç¹°Ãë±Þ½Ã)
4.ÀÓ´ë»ç¾÷ÀÚ ¼¼±Ý
(1)ÁÖÅÃÀÓ´ë»ç¾÷ÀÚ ¼¼±Ý
?Ãëµæ¼¼ (ÁÖÅÃÀÓ´ë»ç¾÷ÀÚ)
?¾çµµ¼¼ (ÁÖÅÃÀÓ´ë»ç¾÷ÀÚ)
?Àç»ê¼¼ (ÁÖÅÃÀÓ´ë»ç¾÷ÀÚ)
?Á¾Çպε¿»ê¼¼ (ÁÖÅÃÀÓ´ë»ç¾÷ÀÚ)
?Á¾Çռҵ漼/¹ýÀμ¼ (ÁÖÅÃÀÓ´ë»ç¾÷ÀÚ)
?ºÎ°¡°¡Ä¡¼¼ (ÁÖÅÃÀÓ´ë»ç¾÷ÀÚ)
(2)ÀϹÝÀÓ´ë»ç¾÷ÀÚ ¼¼±Ý
?Ãëµæ¼¼ (ÀϹÝÀÓ´ë»ç¾÷ÀÚ)
?¾çµµ¼¼ (ÀϹÝÀÓ´ë»ç¾÷ÀÚ)
?Àç»ê¼¼ (ÀϹÝÀÓ´ë»ç¾÷ÀÚ)
?Á¾Çպε¿»ê¼¼ (ÀϹÝÀÓ´ë»ç¾÷ÀÚ)
?Á¾Çռҵ漼/¹ýÀμ¼ (ÀϹÝÀÓ´ë»ç¾÷ÀÚ)
?ºÎ°¡°¡Ä¡¼¼ (ÀϹÝÀÓ´ë»ç¾÷ÀÚ)
5.ÀÓ´ëÂ÷º¸È£¹ý
(1)ÁÖÅà ÀÓ´ëÂ÷º¸È£¹ý
(2)»ó°¡ ÀÓ´ëÂ÷º¸È£¹ý
6.LTV/DTI/DSR
(1) LTV/DTI/DSR °³³ä
(2)»ý¾ÖÃÖÃÊ ÁÖÅô㺸´ëÃâÀÇ LTV/DTI/DSR ºñÀ²
(3)¹«ÁÖÅÃ/¼¹Î½Ç¼ö¿äÀÚ ÁÖÅô㺸´ëÃâÀÇ LTV/DTI/DSR ºñÀ²
(4) 1ÁÖÅÃÀÚ(óºÐÁ¶°Ç) ÁÖÅô㺸´ëÃâÀÇ LTV/DTI/DSR ºñÀ²
(5) 2ÁÖÅÃÀÚ ÁÖÅô㺸´ëÃâÀÇ LTV/DTI/DSR ºñÀ²
±ÛÀ» ¸¶Ä¡¸ç..