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< а iamcritic@naver.com > ϴ ܾ Ʈ(travel) travail̶ Ѵ. ܾ , ԲѴ. ̴. غ £ ̴. ϸ 缭 ̶ ұ.

ϴĴ , ״ ʴ´ٰ Ѵ. ̷ . ߴ ο ִ. ĥ 밳 ϰ ľ ϱ ̴. ľ Ͽ ѱ ǰ£ ΰ, ϴ ޽ ٸ ܾ 򰥸 ִ.

и Ʈ ε ù ° ؿܿ൵ ׷. ڴ Ų Ϸ Ҹ ð, å Ʈ ΰ, ڿ ɾ . ݳ Ѱ ⸦ ٲ Ÿ 뼭 ԰Ǹ 뼭 ٴ ź ۿ . ׷ å , װ͵ οε װ и ̾.

츮 Ϻη 뽺 ޲ٴ ϱ? ѱ å åڡ д Ǹ ϳ ȴ. ȣ ϴ ΰ, ϻκ Ż ϱ ̶ Ѵ. ̺Ұ , , Ǫ ƴ϶ Ÿ , ̰ ϻκ Ż ϰ Ѵٴ ̴. 츮 ϻ ϱ ȣڷ .

ȴٰ ٸ ĭ ۽ νĵǵ ¼ ̶ ʹ ͼ ʴ ϻ 𸣰ڴ. ͼ κ Ằϴ , ׷ Ằ 밳 ȯ ϱ⿡ 츮 Ѵ. ƿ ͼ ħ ֱ⿡ ȴ. ׷ ʴٸ װ ̸.

¶, Ʈ ϻ ϻ Ŵ ִ. Ϸ ڱ⸦ , Ʈ ƺ , װ ٿ 𸣰ڴ. پ ü Ʈ ڿ ɾƼ ٸ ׷ Ѵ. ׸ŭ â ʴ, ׷ ޲ٴ ͸ε ޶. ȭ ʰ Ӹ ׸ , װ ù ° ܰ ״.



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Ѱ û

ѱ & hankyung.com,

۾ . ͳ ٴ̾߱ 󿡼 ׵ Ʒ


ȿ ŪŪ. ׻ ͳݿĶ̽7 . װ 𸣰ڴ


̷ ൿ̶ ߸2ϱ ǵ. Ʒ 濡


ȴ. ׵ ͳݿĶ̽ 缱 . ƿ? ⸦ ȭ ƴ


ٰ.׸ ó ü Ļϼ̾? ͳ ٴ̾߱ ش޶ ϴ ׷ .


ͳݿĶ̽ û ̹


ƺ ͳݹٴ̾߱ . ̰ ʾҴ. ó ū


ڽ ׵ Ѳ ߰ ׳ 뿡 Ϻ ׳


ȭ µ ؼ ٴ̾߱Ʈ Ը ִ п. ο


ؾó Ǿ ȭ Ҹ? ž? ӹٴ̾߱ ǿ Ȱ ڴ

>

- , μ絵漼 ȭ
- ε ߰ å
- ȭؾߡ, ʶ ä
- ݽ å, ε ´١

ȫ Ѹ ȹ 22 ߱ ࿬ȸ 53 ȸ ǥϸ鼭 ý ú ȭ ݵ Թϰڴ١ ߴ. ȹ
[=̵ϸ Ʊ ] 710 ε å ̴. ξȺ պε꼼, 絵ҵ漼, 漼 ̴ ϰ ־. ڻ ƴ϶  ʶ ä ִ 1 δ㵵 þ ̴. ߴ ݽ ļ ε ˱ϰ ȸ Ұ ̴.

ޱ ε ߰ å

ȹδ 22 ȫ Ѹ  , ȸ ̰ 2020 ȡ ǥߴ. ڴ 7 ȸ 710 å ȭ ǿ Ǿȵ սɻ簡 ̶͡ δ ε ߰ å ̶͡ ߴ.

̳ ǥ ȿ ۳ 1216 ý ȭ ȡ, 617 ý ȡ, ̴ 710 ý ϴå ǥ ݿƴ.

μ 0.5~3.2% 0.6~6.0%, 漼 1~4% 1~12% ȭȴ. 1 ̸ ܱ 絵 40% 70%, 2 ̸ 40% 60% . Ӵڿ 3 ǻ ȴ.

絵 оǵ ϱ ߴ. δ ҵ漼 Ǵ оǿ ̸ ϱ , 22 ҵ漼 ϴ оǺ ϱ ߴ. ȫ Ѹó о ڵ ̴.

ÿ δ㵵 Ŀ. ʿ ּ ø ϶ .

ÿ μ ⺻(6) ʰ δ ȴ. μ 2 ϴ 3.0%, 3 ̻ Ǵ 2 6.0% ޴´. ó μ ִ 45% 10%Ʈ δ.

ʶ ä δ㵵 Ŀ. δ ð 9 Ѵ 1 μ ǥ 0.6~3.0% 纸 0.1%Ʈ~0.3%Ʈ ø ߴ. 1 1 ⺸Ư Ⱓ ߰, δ ̱ ߴ.

δ 710å ȭ ȵ ̴. δ ΰϴ 漼 3.5% 12% 3.4 ø ϱ ߴ. ȸ ϴ ȸθ ϱ ؼ.

ξ ȹ, 䱳, ǥ . ߰ Ҿִ ǿ . [ó=Ҿִ, ȹ, 䱳, ]
1 μ絵漼 ȭ

ξȺ ø ̴. ȸ ȹȸ ȫ ִ ǿ ǥ μ ְ 8.2%, 漼 ְ 24% ξȺ 2.2%Ʈ, 12%Ʈ . ִ ǿ 1 ̸ ܱ 絵 ξȺ 10%Ʈ 80% λϴ ߴ.

ǿ 1 μ 0.75~4.05% 纸 1.5 ȭ 12 Ѵ 1 漼 3% 4% ȭ ȵ ̴. δ 1ڿ ؼ 漼 ϱ , ǿ ݿǸ 1 漼 .

ٸ ǿ 1ȸ ̻ Ӵ ִ 1ڸ 絵 󿡼 ϴ , ̴ ȿ ʾҴ.

ڴ 710 å μ þ ڴ 0.4%(2019 ) , Ǽ 1 ڿ δ ũ ʴ١ 1 쿡 鿡 δ ۿ ١ .

ȫ Ѹ δ ̹ å ݵ Թϰڴ١ Ű ý ⸦ ְ ذϵ ּ ϰڴ١ ߴ.

̳ 򿡼 μ 1 װ ջ ѵ ϴ ( δ ߴ ) 鿡 ٶ ʴ١ 1 ȭ ˱ߴ. ̾ 2 ̸ ڿ 絵ҵ漼 ñ⵵ 2021 6 1 ķ ʹ ʴ١ 6 絵 ȭ ֹߴ.

´١

׷ ߴ ε ʿ ̶ ݹϰ . ߰ȣ ̷մ ǿ ⸦ غϰڴٸ鼭 Ȱڴٴ ް 극ũ ÿ á̶ åδ ´. Ρ ε ݽ ļ ﰢ ߴؾ Ѵ١ .

ǿ ⳻ ѽ 漼 0.5%Ʈ꼼 30%絵 1 μ ⺻ 12 尡׺ 80% ȭ 1 1 60 ̻ μ 50~90% LTV(ô㺸 ) 70% ˱ߴ.

ȫ ѱڿȸ ȸ(õ 濵к ) ε üϴ δ Ŀ Ұ ̶͡ ǰ 1 1ÿ ؼ δ ̸ ġ δ㸸 Ŀ ̶͡ ߴ.

輱 ѱڿ ȸ ʹ ε 鵵 ƴ١ ä Ҹ ʿϴٸ ؾ Ѵ١ ߴ.

ʶ ä 35 1 (պε꼼, 꼼) غ 1000 Ѱ . ٸ ð 9 ū ȭ . μ 꼼 հ, 35 ʴ 츦 . = [ó=ȹ]

Ʊ (choigiga@edaily.co.kr)

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