{"id":61568,"date":"2022-08-30T08:17:40","date_gmt":"2022-08-30T15:17:40","guid":{"rendered":"https:\/\/canadaexpress.com\/news\/?p=61568"},"modified":"2022-08-30T08:17:40","modified_gmt":"2022-08-30T15:17:40","slug":"%ec%a3%bc%ed%83%9d%eb%8c%80%ec%b6%9c-%ea%b3%a0%ec%a0%95%eb%aa%a8%ea%b8%b0%ec%a7%80%ec%97%90-%eb%b0%b0%ed%8c%85","status":"publish","type":"post","link":"https:\/\/canadaexpress.com\/news\/?p=61568","title":{"rendered":"\uc8fc\ud0dd\ub300\ucd9c \u2018\uace0\uc815\ubaa8\uae30\uc9c0\u2019\uc5d0 \ubc30\ud305"},"content":{"rendered":"

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text_letter_spacing__hover=”0px” text_letter_spacing__hover_enabled=”0px” text_text_shadow_style__hover=”none” text_text_shadow_style__hover_enabled=”none” text_text_shadow_color__hover=”rgba(0,0,0,0.4)” text_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

\uace0\uc815\ubaa8\uae30\uc9c0\ub300\ucd9c(fix rate)\uae08\ub9ac\uac00 2009\ub144 \uc774\ud6c4 \ucd5c\uace0 \uc218\uc900\uc73c\ub85c \uc0c1\uc2b9\ub418\uc5c8\ub294\ub370\ub3c4 \uace0\uc815\ud615 \ubaa8\uae30\uc9c0 \uc0ac\uc6a9\uc790\uac00 1\ub144\ub9cc\uc5d0 \uac00\uc7a5 \ube60\ub978 \uc18d\ub3c4\ub85c \uc99d\uac00\ud558\uace0 \uc788\ub2e4. \ubb3c\uac00\uc5b5\uc81c\ub97c \uc704\ud574\uc11c \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc774 \uae08\ub9ac\ub97c \ub354 \uc778\uc0c1\ud560 \uac83\uc5d0 \ubca0\ud305\ud558\ub294 \uc18c\ube44\uc790\ub4e4\uc774 \ub354 \ub9ce\ub2e4\ub294 \ub73b\uc774\ub2e4.<\/p>\n

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5\ub144\ubcf4\ub2e4 2, 3\ub144\ud615 \uc120\ud0dd \uc99d\uac00<\/strong><\/h3>\n

<\/strong><\/h3>\n

3\uc6d4 43%, 5\uc6d4 49%\ub85c \ubc18\ub4f1<\/strong><\/h3>\n

<\/strong><\/h3>\n

\u201c\ubcc0\ub3d9 \ud558\ub77d\uc2dc \ub192\uc740 \uc774\uc790 \ubb3c\uc5b4\uc57c\u201d<\/strong><\/h3>\n<\/blockquote>\n

\uace0\uc815\uae30\uac04\ub3c4 \uac00\uc7a5 \uc778\uae30\uc788\ub294 5\ub144\ubcf4\ub2e4\ub294 2, 3\ub144\uc744 \uc120\ud0dd\ud558\ub294 \uc0ac\ub78c\ub4e4\uc774 \uc99d\uac00\ud588\ub2e4. \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc758 \uae08\ub9ac\uc778\uc0c1\uc774 \uacb0\uad6d \uacbd\uae30\uce68\uccb4\ub97c \ucd08\ub798\ud558\uba74 \ubaa8\uae30\uc9c0\ub97c \uac31\uc2e0\ud560 2, 3\ub144 \ud6c4\ucbe4 \uae08\ub9ac\uac00 \ud558\ub77d\ud574 \uc788\uc744 \uac83\uc774\ub77c\ub294 \ud310\ub2e8\uc774 \ubc18\uc601\ub41c \ucd94\uc138\uc774\ub2e4.<\/p>\n

2021\ub144 7\uc6d4 \uc774\ud6c4 50% \uc774\uc0c1\uc758 \ub300\ucd9c\uc790\ub4e4\uc774 \ubcc0\ub3d9\uae08\ub9ac\ubaa8\uae30\uc9c0(variable rate)\ub97c \uc120\ud0dd\ud588\ub2e4. \uace0\uc815\uae08\ub9ac\ubcf4\ub2e4 \ub0ae\uc558\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

\uc774\uc81c \uc0c1\ud669\uc774 \uc5ed\uc804\ub418\uc5b4 \uc5ed\uc0ac\uc801\uc778 \ub178\uba40\ub85c \ub3cc\uc544\uac00\uace0 \uc788\ub2e4. \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc5d0 \ub530\ub974\uba74 2022\ub144 5\uc6d4\uae30\uc900 \uc804\uad6d \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc758 49%\uac00 \uace0\uc815 \ubaa8\uae30\uc9c0\uc600\ub2e4. 3\uc6d4\uc758 43%\uc5d0\uc11c \ubc18\ub4f1\ud55c \uc218\uce58\ub85c 3\uc6d4\uc740 \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc774 \uc774 \uc790\ub8cc\ub97c \uc218\uc9d1\ud558\uae30 \uc2dc\uc791\ud55c 2013\ub144 \uc774\ub798 \uac00\uc7a5 \ub0ae\uc740 \uc218\uc900\uc744 \uae30\ub85d\ud55c \ub2ec\uc774\ub2e4.<\/p>\n

\ubaa8\uae30\uc9c0\ub300\ucd9c\uae08\ub9ac\ube44\uad50 \uc6f9\uc0ac\uc774\ud2b8\uc778 \ub808\uc774\ud2b8\ud5c8\ube0c(ratehub.ca)\uc758 \uc81c\uc784\uc2a4 \ub77c\uc544\ub4dc \uc0ac\uc7a5\uc740 7\uc6d4\uc5d0 \uc2e0\uaddc \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc758 50% \uc774\uc0c1\uc774 \uace0\uc815\ubaa8\uae30\uc9c0\ub77c\uace0 \ucd94\uc0b0\ud588\ub2e4. \ub610 \uc774 \ucd94\uc138\uac00 \uc9c0\uc18d\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ud588\ub2e4.<\/p>\n

\uadf8\ub294 \u201c\ud604\uc7ac \uacbd\uc81c\uc0c1\ud669\uc774 \ubc24\uc7a0\uc744 \uc124\uce58\uac8c \ud55c\ub2e4\uba74 \uace0\uc815\uae08\ub9ac \ub300\ucd9c\uc744 \ubc1b\uace0 \uc78a\uc5b4\ubc84\ub9ac\ub294 \uac8c \ucd5c\uc120\uc774\ub2e4\u201d\ub77c\uace0 \ud588\ub2e4.<\/p>\n

\uace0\uc815\uae08\ub9ac\uac00 7\uc6d4\uc911\uc21c \uae30\ub85d\ub41c 13\ub144 \ucd5c\uace0\uce58 \ubcf4\ub2e4 \uc57d\uac04 \ub0ae\uc740 \uc218\uc900\uc784\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub300\ucd9c\uc790\ub4e4\uc740 \uc810\uc810 \ub354 \uc774\ub7f0 \ud655\uc2e4\uc131\uc744 \uc120\ud0dd\ud558\uace0 \uc788\ub2e4. \uc774\ub294 2, 3\ub144\ud6c4\uc5d0 \uae08\ub9ac\uac00 \ud558\ub77d\ud55c\ub2e4\uba74 \uc774 \ub4e4\uc740 \ub354 \uc624\ub798 \ub192\uc740 \uc774\uc790\ub97c \uce58\ub904\uc57c \ud55c\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud55c\ub2e4. \uc7ac\uc735\uc790\ub294 \ub2e4\uc18c \ube44\uc6a9\uc774 \ub192\uc740 \uc120\ud0dd\uc77c \uc218 \uc788\ub2e4.<\/p>\n

\ud604\uc7ac \ucd5c\uace0 \uc6b0\ub300 \ud560\uc778\uae08\ub9ac\ub294 5\ub144 \uace0\uc815\uae08\ub9ac\uac00 4.24%\uc778 \ubc18\uba74 \ubcc0\ub3d9\uae08\ub9ac\ub294 3.5%\ub85c \uc9c0\ub09c\ud574 9\uc6d4 \uc774\ud6c4 \uac00\uc7a5 \uaca9\ucc28\uac00 \uc881\ud600\uc9c4 \uc810\ub3c4 \uace0\uc815\uae08\ub9ac \uc120\ud0dd\uc790\uac00 \uc99d\uac00\ud55c \uc694\uc778\uc774\ub2e4.<\/p>\n

\ubcc0\ub3d9\ub300\ucd9c\uc740 \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc758 \uae30\uc900\uae08\ub9ac\uc5d0 \ub530\ub77c\uc11c \ubcc0\ub3d9\ud558\ub294\ub370 \uc911\uc559\uc740\ud589\uc758 \uae30\uc900\uae08\ub9ac\ub294 3\uc6d4 \uc774\ud6c4 2.25% \uc0c1\uc2b9\ud588\ub2e4. \uace0\uc815\ub300\ucd9c \uae08\ub9ac\ub294 \uc7a5\uae30 \ucc44\uad8c\uae08\ub9ac\uc5d0 \ub530\ub77c\uc11c \ubcc0\ub3d9\ud558\ub294\ub370 \ucd5c\uadfc \uc774 \uc218\uc775\ub960\uc740 \ub2e8\uae30 \ucc44\uad8c\uae08\ub9ac \ubc11\uc73c\ub85c \ud558\ub77d\ud588\ub2e4. \uc2dc\uc7a5\uc774 \uacbd\uae30\ubd88\ud669\uc744 \uac71\uc815\ud55c\ub2e4\ub294 \uc2e0\ud638\uc774\ub2e4.<\/p>\n

\ubc18\uba74\uc5d0 \ubd81\ubbf8\uae08\uc735\uae30\uad00 DBRS\ubaa8\ub2dd\uc2a4\ud0c0\uc758 \ucd5c\uace0\ucc45\uc784\uc790 \ub9c8\uc774\ud074 \ud06c\ub9ac\uc2a4\ucf5c\uc740 \u201c\ub9cc\uc57d \uacf5\uaca9\uc801 \uae08\ub9ac\uc778\uc0c1\uc73c\ub85c \uacbd\uc81c\uac00 \ubd88\ud669\uc5d0 \ube60\uc9c0\uba74 \ubcc0\ub3d9\uae08\ub9ac\uac00 \ud558\ub77d\ud558\ub294 \uc0ac\uc774\uc5d0\ub3c4 \uace0\uc815\ubaa8\uae30\uc9c0 \ub300\ucd9c\uc790\ub4e4\uc740 \uacc4\uc18d\ud574\uc11c \ub192\uc740 \uc0c1\ud658\uae08\uc5d0 \uac07\ud600\uc57c \ud558\uace0 \uc5ec\uae30\uc800\uae30\uc5d0\uc11c \uc9c0\ucd9c\uc744 \uae34\ucd95\ud574\uc57c \ud560 \uac83\uc774\ub77c\ub294 \uc704\ud5d8\uc131 \uc788\ub2e4\u201d\uace0 \uc9c0\uc801\ud588\ub2e4.<\/p>\n

\ub300\ucd9c\uae08\ub9ac\uac00 \ube60\ub974\uac8c \uc0c1\uc2b9\ud560 \ub54c\ub294 \ub300\ucd9c\uc0c1\ud658 \ubd88\uc774\ud589\uc774 \uc99d\uac00\ud574 \uae08\uc735\uae30\uad00\uc758 \uc190\uc2e4\uc774 \ubd88\uac00\ud53c\ud574 \uc9c4\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub7f0 \ubaa8\uae30\uc9c0\ub4e4\uc744 \ub4b7\ubc1b\uce68\ud558\ub294 \uc0c1\ub2f9\ud55c \uc21c\uc790\uc0b0\uc774 \ucda9\ubd84\ud788 \ud655\ubcf4\ub418\uc5c8\uae30 \ub54c\ubb38\uc5d0 \uae08\uc735\uccb4\uacc4\uac00 \ud0c0\uaca9\uc744 \uc785\uc744 \uac00\ub2a5\uc131\uc740 \uc801\ub2e4\uace0 \uadf8\ub294 \ub367\ubd99\uc600\ub2e4.<\/p>\n

\uce90\ub098\ub2e4 \uc2dc\uc911\uc740\ud589\ub4e4\uc758 \ucd5c\uadfc \uc7ac\ubb34\uc7ac\ud45c\uc5d0 \ub530\ub974\uba74 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ub300\ubd80\ubd84\uc744 \ucc28\uc9c0\ud558\ub294 \ube44\ubcf4\ud5d8 \ubaa8\uae30\uc9c0\uc758 \ub300\ucd9c\uc561\uc740 \ub2f4\ubcf4\uc8fc\ud0dd \uac00\uce58\uc758 \uc57d 50%\uc774\uace0 \uc2e0\uaddc\ub300\ucd9c\uc758 \uacbd\uc6b0 70%\uc5d0 \ud574\ub2f9\ud55c\ub2e4. \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \ud544\uc694\uc5c6\uc774 \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \ubc1b\uc73c\ub824\uba74 \ucd5c\uc18c 20%\uc758 \uacc4\uc57d\uae08\uc774 \ud544\uc694\ud558\ub2e4.\u00a0<\/p>\n

\n

5\ub144 \uace0\uc815\uae08\ub9ac 4.24% \ubc18\uba74<\/strong><\/h3>\n

<\/strong><\/h3>\n

\ubcc0\ub3d9\uae08\ub9ac 3.5%\ub85c \uaca9\ucc28 \uc904<\/strong>\uc5b4<\/h3>\n<\/blockquote>\n

\ud55c\ud3b8 \ub2e8\uae30\uace0\uc815 \ubaa8\uae30\uc9c0\ub300\ucd9c\uc744 \uace0\ub824\ud558\ub294 \uc0ac\ub78c\ub4e4\ub3c4 \uc99d\uac00\ud558\ub294 \ucd94\uc138\uc774\ub2e4. \ub2e8\uae30\uace0\uc815 \uc0c1\ud488\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uacc4\uc57d\uae30\uac04\uc774 \ub9cc\ub8cc\ub420 \ub54c \uae08\ub9ac\uac00 \uc778\uc0c1\ub420 \uc704\ud5d8\uc774 \ub354 \ub192\uc740 \uac83\uc73c\ub85c \uc778\uc2dd\ub418\uc5b4 \uc654\ub2e4. \uadf8\ub7ec\ub098 \ud604\uc7ac\uc758 \uacbd\uc81c\ud658\uacbd\uc740 \uc774\ub4e4 \uc0c1\ud488\uc5d0 \ub300\ud55c \uad00\uc2ec\uc744 \ub192\uc774\uace0 \uc788\ub2e4.<\/p>\n

\uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc5d0 \ub530\ub974\uba74 5\uc6d4\ub9d0\uae30\uc900, 5\ub144 \ubbf8\ub9cc \uace0\uc815\ud615 \ubaa8\uae30\uc9c0\uac00 \uc804\uccb4 \uace0\uc815\ubaa8\uae30\uc9c0\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc740 53%\ub85c 1\uc6d4\uc758 51%\uc5d0\uc11c \uc18c\ud3ed \uc99d\uac00\ud588\ub2e4.<\/p>\n

\u201c1\uc6d4\uc5d0\ub294 \u2018\ucd5c\uace0 \uc6b0\ub300\uae08\ub9ac\ub97c \uc8fc\uc2dc\uace0, \uadf8\uac78 \ucd5c\uc7a5\uae30\ub85c \ubb36\uc5b4 \uc8fc\uc138\uc694\u2019\ub77c\ub294 \uace0\uac1d\ub4e4\uc774 \ub9ce\uc558\ub358 \uc2dc\uae30\uc600\ub2e4. \uc9c0\uae08\uc740 \ub354 \uc9e7\uc740 \uace0\uc815\ubaa8\uae30\uc9c0\uc5d0 \ub300\ud55c \uc0c1\ub2f4\uc774 \uc99d\uac00\ud588\ub2e4\u201d\uace0 \uba54\ub9ac\ub514\uc5b8\ud06c\ub808\ub527\uc720\ub2c8\uc628(\uc2e0\uc6a9\uc870\ud569) \ub9c8\ud06c \uc624\uc2a4\ud2b8\ub79c\ub4dc \ubaa8\uae30\uc9c0\uc804\ubb38\uac00\ub294 \uc5b8\uae09\ud588\ub2e4.<\/p>\n

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\uace0\uc815\ubaa8\uae30\uc9c0\ub300\ucd9c(fix rate)\uae08\ub9ac\uac00 2009\ub144 \uc774\ud6c4 \ucd5c\uace0 \uc218\uc900\uc73c\ub85c \uc0c1\uc2b9\ub418\uc5c8\ub294\ub370\ub3c4 \uace0\uc815\ud615 \ubaa8\uae30\uc9c0 \uc0ac\uc6a9\uc790\uac00 1\ub144\ub9cc\uc5d0 \uac00\uc7a5 \ube60\ub978 \uc18d\ub3c4\ub85c \uc99d\uac00\ud558\uace0 \uc788\ub2e4. \ubb3c\uac00\uc5b5\uc81c\ub97c \uc704\ud574\uc11c \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc774 \uae08\ub9ac\ub97c \ub354 \uc778\uc0c1\ud560 \uac83\uc5d0 \ubca0\ud305\ud558\ub294 \uc18c\ube44\uc790\ub4e4\uc774 \ub354 \ub9ce\ub2e4\ub294 \ub73b\uc774\ub2e4. 5\ub144\ubcf4\ub2e4 2, 3\ub144\ud615 \uc120\ud0dd \uc99d\uac00 3\uc6d4 43%, 5\uc6d4 49%\ub85c \ubc18\ub4f1 \u201c\ubcc0\ub3d9 \ud558\ub77d\uc2dc \ub192\uc740 \uc774\uc790 \ubb3c\uc5b4\uc57c\u201d \uace0\uc815\uae30\uac04\ub3c4 \uac00\uc7a5 \uc778\uae30\uc788\ub294 5\ub144\ubcf4\ub2e4\ub294 2, 3\ub144\uc744 \uc120\ud0dd\ud558\ub294 \uc0ac\ub78c\ub4e4\uc774 \uc99d\uac00\ud588\ub2e4. \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc758 \uae08\ub9ac\uc778\uc0c1\uc774 \uacb0\uad6d […]<\/p>\n","protected":false},"author":1,"featured_media":3403,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[8,5],"tags":[],"class_list":["post-61568","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","category-society"],"_links":{"self":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/61568","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=61568"}],"version-history":[{"count":3,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/61568\/revisions"}],"predecessor-version":[{"id":61573,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/61568\/revisions\/61573"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/media\/3403"}],"wp:attachment":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=61568"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=61568"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=61568"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}