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???? ?????????ı? ?ϴ? ????Ʈ ???? ????. 2025. 6. 5.


?빫?????????? ???ε? ??? ???? ????
?????? ???δ? 2017?? 8??2 ??å???? ???? ?????? ???? ??õ, ?????? ?????????????????? ?????ߴ?. ???? ???? 4??(?????????ʡ????ġ?????)?? ???ꡤ?????????????????ͳݰ??ӻ???Ʈ
??????õ?????????????? ?? 11?????? ?????? ???????????????? ???? ?????? ??????. ?????????????? ???????????? ?????? ?????? ???ô㺸????????(LTV)?? ?Ѻ?ä??ȯ????(DTI)?? 40%?? ????????. ???????????? ???ô㺸???? ?Ǽ??? ?????? 1?????? ???ѵƴ?. ?????? ?ø??? ???? ?????? ?????? ?????????? ?ִ??븦 1?? ?̻? ?????? ???????? ?????? ???????? LTV?? ?????л??ֽ?
DTI ?????? 10%????Ʈ?? ?????? ?߰? ?????? ?????ߴ?.
2019?? 12??16 ??å?????? ???????? ?? ?ð? 15?????? ?Ѵ? ????Ʈ?? ???? ?ִ??븦 ??õ ?????ϸ? ???? ?????? ???? ??ȭ?ߴ?. ???????? ?? ?ð? 9???? ?ʰ? ?????? ???????δ? 9???? ?ʰ? ?κп? ???? LTV?? 20%?? ?????ϰ?, ?Ѻ?ä?????ݻ?ȯ????(DSR)?? ?????? ???κ? 4?????? ????
0%(?????????? 60%)?? ?????ߴ?.
???ε??? ???????? ????? ?????ߴ? ?빫?? ???ε? ?ٸ??? ?ʾҴ?. ???? ???????? LTV?? DTI?? 40%?? ?????ϴ? ??? ???? ????å?? ????. ?̿? ?Բ? ?????? 3???????? ?Ҹ? ???????ʰ????? ȯ??, ???պε??꼼 ?ΰ?, ?о簡 ???????? ???ÿ? ?????ߴ?.


?Ŀ??????? ?ֽ?

??????ä ???? ??ȭ ???? ?ֿ? ????


?̸??ڡ??ڱ??????????? ???δ? ???? ??ȭ
???? ???? ???????? ?ε??? ?????? ??ü?? ħü?ϸ鼭 ???? ?????? ??ȭ?ƴ?. 2008?? ?۷ι? ???????⸦ ???? ?̸??? ???δ? ?ε??? ?ŷ??? Ȱ??ȭ?? ?̺о? ?????? ???δٴ? Ȳ?ݼ???Ŀ????
??ǥ?? LTV?? ???? 60%???? 70%?? ?????ϴ? ???? ??ȭå?? ????.
?ڱ??? ???ε? ???? ???? ??ȭ?? ?????? ??????. LTV?? DTI?? ?? ?????ǿ? 70%?? ?????ϸ? ???? ?????? Ǯ????. ???????? ?? ???????? ???? ?̶? ?????ƴ?.
?????? ???δ? DSR ?????? ?????????? ????????, ???????????? ?? ?????????? ???? ?????ߴ?. ???????? ???????? ???? ???? ?? LTV?? 80%?? ?ø??? ???? ??ȭ ?????? ?????ߴ?.
?ֱ? ???????ǽ?õ?ùο???(???Ƿ?)?? ?ε?????ũ?? KB?ε??? ?ü? ?????? Ȱ???? ???Ǻ? ???? ????Ʈ?? ?????? ?м??? ???? ?????? ???? ?ӱ? ?? ????Ʈ ?????? ???? ?ʺ??? 119%, ?빫?? ???δ? 80% ???? ?????? ??Ÿ????. ?ڱ??? ???? ???? 21% ?ö???, ?̸??? ???? ???? 10% ????????. ?????? ???? 3?Ⱓ ???? ???? 1%????. ?ٸ? ?????? ???? ???? ???? ?????? ?????? ????Ʈ ???? ?????? 3.2???? ?ٸ? ???? ???????? ?Ǵ?.
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