۾ .
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 |
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[=̵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, ] |
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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] |
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Ʊ (choigiga@edaily.co.kr)
̹ '̵ϸ ' ħؼ, ûᴵ콺 'Ÿ'
̵ ̵ϸ - &