'÷̽' ʽŵ, 7 23 ΰ ''
ڿⰡ ʰ ⸦ ̾ ִ '÷̽ 1' ʽŵ մԸ̿ ִ. ù° ڴ 23 'Ÿ 2'(673) .
ʽŵ α ƴϴ. 2013 9 '1 ũ' 1 о Ϸư, 3 ' ' ֻ û 16 119 ǵ ִ. ̵ оǿ 3000 1 ̾ ٰ ִ. ֱ ġ ϰ ִ Ÿ 繵 ٸ . ڵ ʽŵÿ ߵ ۿ .
'÷̽' ϴ δ ڸ ߴٰ и ʻ̴. IJ м ʿϴٴ ߷̴.
̹ Ǵ A3-6a Ÿ 2 Ʈο 16 θ 1θ Ǹ ƮƮ· ٸ1 ٸ2 2 ȴ.
1 Ա Ʈ Ⱦܺ ϰ 2 Աʹ ټ ִ.
ü δ 1 ļ뿡 ԵǴ ΰ 1ȣ 9ȣ ȸ ؾ Ǹ 1ȣ Ա տ ġϳ ִ.
2 ü ġ ־ ڳ ϸ ľƮ ԵǴ ΰ ִ ߾Ӻ ȣ ȴ.
̴ ǥ " Ը C1-4 ϴ θ ƮƮ· Ư ϸ 61.6% ٸ ٻ ִ" " Ʈο ʽŵ о յΰ ٷιͰ ɼ ִ" ٺô.
ڿ ģ. ġ ġ ϱ ̴. Ϲ ٸ 45~55% ݸ, ֱ 1θ Ǹ鼭 90%뿡 ϴ ִ .
1 ļ븦 ΰ ִ ʽŵ C2 ϴ ǵ ʾ δ. ǰ A3-7 Ÿ 1 ÷θü Ÿ ڳʸ ϴ ¿ 82%, 3.3 о簡 1 47005700 ε Ÿ ڳ ٸ 51%, 3.3 о簡 39004900 ΰ δ.
̿ ǥ "ǰ Ǻ Ư¡ Ѵ ϴ ļ븦 ϴ ϰ о簡 ȯغ A3-7 20~40% Ǵ "̶ ߴ.
ô ֺ δٴµ...
빮߱ üϱ ô ϰ 2 ٰ鼭 ֺ ǵ ̰ ִ.
ô 8451 2~ 4 22,258 Ը ÿ ξ߱ ؼ 2015 Ȩ α ġ ξ߱ ۰ Բ 2 ο ̴.
̿ ô ڰ ϴ غ ߱ҵ ߱ ô ϳ ̿ ΰ ºپ ִ α ̷б μɺ ̿ ִ 'ڰ' ϴ ̰ ִ .
忡 ɸ ũ غ ȣ ϴ Ե 50~60% ٲ ְ չٲ Ͼ鼭 ü ִ.
ڰ 33 Ǹ 6,000 ̾ ִ 9,000 ߰ Ⱓ 1,200, 100 2,000, 150 ٰ 6,000̾ α 49.5 Ǹ ִ 1 ϰ ִ.
α ߰ҵ б ϰ Ȱ 巯 ð Ǹ ȶ ϰ ִ.
̴ ǥ "ؿ ʸ õ ʴ Ը , ҷ Ȱϴ 찡 ô嵵 ߱ Բ ̷ Ϻ Ȱ ȴ" " ô ϴ "̶ .
7 ȿ ϴ 2Ե 1000
ð 2Ե Ǹŵ (ӽû ) å ߴ.
Ե ̺ ӽû ûѴٴ ħ `ȣ Ը` 뿪 ص 4~5 а ʰڳĴ 켼ϴ.
å 17 ȸ߿ μ , ùڹ ټ ̺ ߰ߵ Ե 뺸 ϱ ߴ
ÿ ڹ å å, dz å ũ κ ϴٸ Ե 䱸ߴ.
ѱȸ ӽ 忡 뷮 ϰ å ϴ ۾ ̱ Ѻ Ѵٴ ̴.
ʰ 簡 ġ ߰ 䰡 ʿ .
ô 糭 Ȳ Ŵ ϵ ʿϴٰ Ǵߴ. 忡 ڽ ־ Ե Ȥ ̴. Ե ڴ "ᱹ ŭ ȿ ġ "̶ .
Ư ð Ϳ ؼ Ե ɰ ˷.
θ 1000 ü ս Ȱ δ. Ư 70% ̸ Ҿü ذ þ ̴ ε 5 ʿ غ ؿԴµ ڲ ̷ ϰ ִ · ϰ ִ.
ݽζ Ű۾ '˵'3б
븥 ѱ Ű Ű ɰ Ǵ Z Ż .
۳ 14õ830 ü 34 ̸ ȴ. 11 縦 ַ ű Ⱦ ä 繫 ȹ̴.
氪 Ű̳ Ư ֱ ħ̴. Ű Ȯϱ ڻ翡 Ź ϴ ȵ ŷеȴ. ñ 89 ȴ.
ð߰ȹ ¹ ̷.
ô 4 ڿǿ ϴ븦 ̽(MICE, ȸǡǡȸ)ȭθƮ ߽ ϰڴٴ ȹ ǥߴ. 40% ڷκ ä ü ȹ̴.
߿ Z μ ĺ ŷеǰ ִµ Ż, ȣ, Ǽ, ڵ ũ Ͻ ´ٴ ϰ ִ.
Z 2011 Z ó ѱ 鿴. Z ڰ Բ ü ϴ ߴ.
ܱںδ ߱ ε갳߾ü , ̱ ī ̰Ž ִ ˷.
ε Ӵ ȭǸ顦 ǽ ?
̰ ִ ݸ 䰡 Ƶ Ӵ ġϰ ִ .
ڰ ǹ ѵ α Ͼ ̷ 20 Ѱ ' ' ſ ' ε Ӵ 쿣 ϴ 1 ̳ ִ' ִ ̴.
ȸ ֱ ϴ Ӵ ' 9 ̳' ȭϱ ϸ鼭 ǹ Ӱ Ӵ ְ ƴ.
ȸ 迡 ε ۳ 693 Ը 87.3% 6054000 ľǵƴ.
ε Ӵ 598000(8.6%) Ұߴ. ġ Ǹ 244000(3.5%) ߴ. ̹ ȭ Ӵ о Ǹ(244000) Ӵ ְ ȴ. 20 3700 ϴ Ը.
ǰ 籹 ġ Ǹ Ӵص 1500~3000 ߰ Ӵ ϰ ִ. 3 䱳ΰ ǽ ӴḦ ġ. ǻӸ ƴ϶ װ ߴ Ϻ Ӵϸ Ӵ ξ ȴ.
ӴӸ ƴϴ. ̹ ȭ յ ǹ ߰ ǽ ø鼭 ̳ ǽ忡 ̴.
LTV 70% 䡦ε Ƴ?
2 ε Ȱȭ δ ȭ ô㺸(LTV) 70% Ű 鼭 εⰡ Ƴ ָȴ.
δ 1õ ϴ ä ӵ ʵ Ѻäȯ(DTI) ħ ˷鼭 ε ̷ å 忡 ȸ ִٰ ϰ ִ .
14 ȹο ȸ ְȯ Ѹ ü LTV, DTI ո Ѵٴ ĢƷ å 'Ϲݱå' ǥ ̴.
LTV(Loan To Value ratio) 㺸 㺸ġ ִ Ѵ. LTV 50%, 60% ǰ ִ. ô㺸 50% ð 2¥ Ʈ ִ 1 ִ.
DTI(Debt To Income) Ѽҵ濡 ä (+) ȯ ϴ ̴. ҵ() 7õ̰ DTI 50% Ѻä ȯ 3õ500 ʰ ʵ ϴ ̴. ǿ ִ پ.
LTV 2002, DTI 빫 2005 Ե ǥ ε å̴.
2 10 Ѿ ǰ LTV ܼȭϰ Ϸ δ ְ ε Ȱȭ ñ׳ 忡 Ȯ ϰڴٴ .
LTV ࡤ 50%, 60%̴. 2ǿ 70% ȴ. ̸ 70% ̸ 2¥ 춧 14õ ִ.
ô㺸 ݸ 2~4% 2Ǻ ݸ 2~5%Ʈ 2 ̵ ̴.
̴ ݸδ ȭ ̾ ҵ ϴ ȿ ִ. δ Ȱȭ Ѵ.
DTI ū Ʋ ( 50% 60%) ̴. ϰ ̸ ȭؾ Ѵٴ Ҹ ־ ä Žð 뿡 ɸ Ǹ鼱 ȵȴٴ ġ ʾ ''ʿ Ǹ ˷.
ٸ ̼ ϴ ȴ. ڸ ִ 40 ̸ DTI 10Ⱓ ҵ ҵ ݿϴ ѽ ġ 9 ̾ δ.
ҵ ڻ ڻ ҵ ȯ ϰ ҵ հ ҵ ٷΡҵ濡 ջϴ ġ 1Ⱓ ɼ .
6 ̻ ñԿ ؼ DTI ꡤ ߰ ̴. ݸһȯġ DTI 5% Ʈ ְ ſ 5%Ʈ ϴ ̴.
ε ̹ ȭ LTV 2 ̿ؿ ڵ δ ָ鼭 ŷ ø ϰ ִ.
5 ô㺸 4Ǹ 4︸ ȯ?
ä äδ ̱ ϳ 'ұ (non-recourse loan)'̴. '(ϴ) 㺸 '̴. äδ 㺸 DZ 㺸 ġ Ѿ ä ȴ. ̱ Ϻ () 'ұ' 'ұô㺸' Ǹŵǰ ִ.
츮 'ұ ô㺸' ǰ ۵ƴ. 籹 ұ ô㺸 ߰ Ϻ ǰ ø ϰ ִ.
ȸ 10 ' ' ǥϸ鼭 'ұ ô㺸 'ϰڴٰ . ǥڷῡ 常 Ե ª 籹 ο ǰ ִ ̴.
̹ ұ ô㺸 信 ߴ. ʱ ܰ迩 ٴ å 並 ߴٴ 籹 ӿ ǰ ִ ľǵȴ.
̹ Ÿ缺 䵵 ̷ ´. 㺸ġ Ѿ ä ϴ ι ٲ ϴ 츮 ü Ұ ȸ ΰ ̷ ŭ ȸ簡 ǰ ϰڴٰ ϸ , ٴ° 籹 ̴.
ȸ 忡 ũ Ŀ ŭ ݸ Ϲ ô㺸⺸ ݿ ݿϰ Һڰ ǰ Ѵٸ ̴ ̶ ǹ̴.
ٸ 'ұ ô㺸' 츮 ý ھ ǰ ſ Ժٴ ҵ, ϴ ϰ ִ ˷.
'ұ ' ڸ ȣ ִ ġ ָް ִ. 䱳δ 6 'ǥ Ʈ̳(PF) ' 'ұ ܻäǴ㺸' ߴ.
ϵ ü û üκ 㺸 (ܻäǴ㺸) ұ ǰ̴. ȸ ϵ ü ú ´.
ȸ簡 㺸 ġ Ѿ Ϻ ұ ƴ ұ ù Ե ʷ ϵ ޱ ϵü ȣѴٴ ǹ̰ ũ
'ұ ' 籹 ο 䰡 ǰ 2 Ȱȭ ū å ǥ ִٴ å ǰ Ȯ ɼ ִ. 'ð ħüä ä δҺ 泻 ħü' 츮 ū ְ ֱ ̴.
4õ2鰡 ϳ ٸ 帲 о
ϵ 1380 帲 о ߿ ִ.
, ߽ Ǵ پ ټ ڶϸ Ÿ ڳʿ Ⱦܺ ϰ ־ μ Źϸ,ֺ Ǿ Ƹ Ѵ.
6õ 2õ ǹķ ԵǸ ű Ʈ 4õ뵵 ķ ſ ű Ʈ ȭǸ, α α ܵ ߷ dz ļ並 ȮѴ.
ٻ̸, ִ Ը ٻ ִ Ȯϰ, 6õ ٸ ߰ 4 ϰ α ȸ ó ġ ϴ.
5õ뿡 7-8 ǰ 1 20 Ǵµ 4õļ뿡 ϳۿ ϴ.
4õļ α ߰ 6õ 2õ Ǵµ αе Ƶ л αе б ʰ̾ п, μ ġ Źϸ, Ͽ ٸδ 幰 ÷Ϳ ũ ʴ ssmƮ ϰԵ ٸҺ ϰ ϴ ϰԵ ȴ.
3~4 35 7,005.90 Ը 1 Ʈ, 1 , ̿, ٸȰ, Ƿ, ٸȰǰ, , 2 , ǽ, , 3 ǿ, 4 п ȴ.
3.3 о簡 1 850 , 1 2,600~3,200 , 2 950~1,100 , 3 850~1,000 , 4 650~800 ̴.
()帲, ð ()ϰǼ þ, 2014 11 ذ̴.
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