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\uac00\ub2a5\uc131\uc744 \uc2dc\uc0ac\ud588\ub2e4.<\/p>\n<blockquote>\n<h3><strong>4.25%P\u2026\uc740\ud589\uae08\ub9ac 6.45%<\/strong><\/h3>\n<\/blockquote>\n<p>7\uc77c\ub85c \uc911\uc559\uc740\ud589\uc758 \uae30\uc900\uae08\ub9ac\ub294 \uc62c\ud574 \ucd08 \ubcf4\ub2e4 4% \uc624\ub978 4.25%p\uac00 \ub418\uc5c8\ub2e4. \uc911\uc559\uc740\ud589\uc758 \uae30\uc900\uae08\ub9ac\uac00 \uc624\ub974\uc790 \uc2dc\uc911\uc740\ud589\ub4e4\ub3c4 \uc2e0\uc18d\ud788 \ubcc0\ub3d9 \ub300\ucd9c\uae08\ub9ac\ub97c \uc778\uc0c1\ud558\uae30 \uc2dc\uc791\ud588\ub2e4. 8\uc77c\ubd80\ud130 \uc2dc\uc911\uc740\ud589\uc758 \uae30\uc900\uae08\ub9ac(Prime rate)\ub294 6.45%\ub85c \uc0c1\uc2b9\ud588\uace0 \ubcc0\ub3d9\uae08\ub9ac \ub300\ucd9c\uc790\uc758 \uc774\uc790 \ubd80\ub2f4\uc740 \ub354\uc6b1 \ucee4\uc84c\ub2e4.<\/p>\n<p>\ubb3c\uac00\ub97c \uc7a1\uc9c0\ub9cc \uacbd\uae30\uce68\uccb4\ub97c \ud53c\ud558\uae30 \uc704\ud574 \uae08\ub9ac \uc778\uc0c1\ud3ed\uc744 \uc904\uc77c \uac83\uc73c\ub85c \uae30\ub300\ud588\ub358 \uc2dc\uc7a5\uc758 \uc77c\ubd80 \uc804\ubb38\uac00\ub4e4\uc740 \uc778\uc0c1\ud3ed\uc5d0 \ub180\ub790\ub2e4. \uadf8\ub7ec\ub098 1980\ub144\ub300 \uc774\ud6c4 \uac00\uc7a5 \uc2ec\uac01\ud55c \uc778\ud50c\ub808\uc774\uc158\uc744 \uc7a1\ub294 \uc784\ubb34\uc758 \uc644\ub8cc\uac00 \uc544\uc9c1 \uba40\uc5c8\uace0 \uc18c\ube44\uc790\uc5d0\uac8c \uc778\ud50c\ub808\uc774\uc158\uc774 \ub05d\ub0ac\ub2e4\ub294 \uc798\ubabb\ub41c \uba54\uc138\uc9c0\ub97c \uc904 \uc704\ud5d8\uc774 \uc788\ub294 0.25%p \uc778\uc0c1\ud3ed\uc744 \ud53c\ud588\ub2e4\ub294 \ud574\uc11d\uc774\ub2e4.<\/p>\n<p>\uc774 \ub0a0 \ud2f0\ud504 \ub9e5\ud074\ub7a8 \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589 \ucd1d\uc7ac\ub294 \ube45\uc2a4\ud15d\uc744 \ud1b5\ud574 \ubb3c\uac00\uc5b5\uc81c\uc758 \uac15\ud55c \uc758\uc9c0\ub97c \ubcf4\uc5ec\uc8fc\uba74\uc11c \uc55e\uc73c\ub85c\ub294 \uc7a0\uc2dc \uba48\ucdb0 \uc0c1\ud669\uc744 \uc7ac\ud3c9\uac00\ud558\uaca0\ub2e4\uace0 \uc2dc\uc0ac\ud588\ub2e4.<\/p>\n<p>\u201c\uc774\uc81c \uc774\uc0ac\ud68c\ub294 \uacf5\uae09\uacfc \uc218\uc694\uc758 \uade0\ud615\uc744 \ub418\ucc3e\uace0 \uc778\ud50c\ub808\uc774\uc158\uc744 \ubaa9\ud45c\uce58\ub85c \ub418\ub3cc\ub9ac\uae30 \uc704\ud574\uc11c \ucd94\uac00 \uc778\uc0c1\uc774 \ud544\uc694\ud55c \uc9c0 \uace0\uc2ec\ud560 \uac83\u201d\uc774\ub77c\uace0 \ud588\ub2e4. \uae08\ub9ac\ub294 \ubb34\uc870\uac74 \uc0c1\uc2b9\ud560 \uac83\uc774\ub77c\ub294 \uadf8\ub3d9\uc548\uc758 \ub2e8\ud638\ud55c \uc5b4\uc870\uc5d0\uc11c \uae09\ubcc0\ud55c \ubc1c\uc5b8\uc774\ub2e4.<\/p>\n<p>\uc774\uc81c \uc911\uc559\uc740\ud589\uc740 4.25%\uac00 \ubd80\ucc44\ub97c \uc9ca\uc5b4\uc9c4 \uac00\uacc4\uc18c\ube44\ub97c \uc5b5\uc81c\ud558\uba74\uc11c \ub3d9\uc2dc\uc5d0 \ub0b4\uc218\uc758 \uac10\uc18c\uac00 \uc2e4\uc5c5\uc744 \ucd09\ubc1c\ud558\uc9c0 \uc54a\uc744 \uc815\ub3c4\uc758 \uae08\ub9ac\uc778\uc9c0 \ud3c9\uac00\ud558\uba74\uc11c \ub3d9\uacb0\uc758 \uac00\ub2a5\uc131\uc744 \uac80\ud1a0\ud560 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n<p>\ub2e4\uc74c \uae08\ub9ac\uc815\ucc45 \ubc1c\ud45c\uc77c\uc778 \ub0b4\ub144 1\uc6d4 25\uc77c\uc758 \uacb0\uc815\uc740 \uc55e\uc73c\ub85c\uc758 \uacbd\uc81c\uc9c0\ud45c\uc640 \uacf5\uae09\uc0c1\ud669\uc5d0 \uc758\uc874\ud574 \uc774\ub8e8\uc5b4\uc9c8 \uac83\uc774\ub77c\uace0 \ud588\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uacfc\uac70 \ubb34\uc870\uac74 \uae08\ub9ac\uc778\uc0c1<\/p>\n<p>\ub2e8\ud638\ud55c \uc5b4\uc870\uc5d0\uc11c \uae09\ubcc0<\/p>\n<p>&nbsp;<\/p>\n<p>\uc62c\ud574\ub4e4\uc5b4\uc11c\ub9cc \uae08\ub9ac\uac00 4% \uae09\ub4f1\ud558\uc790 \uc18c\ube44\uc790\uc758 \ub300\ucd9c\ubd80\ub2f4\uc740 \uac00\uc911\ub418\uace0 \uacbd\uc81c\ub294 \ub454\ud654\ub418\uace0 \uc788\ub2e4. \uc218 \uc2ed\ub144\uac04 \uce90\ub098\ub2e4 \uacbd\uc81c\ub97c \uc8fc\ub3c4\ud55c \uc8fc\ud0dd\ud22c\uc790\ub294 \uae09\uac10\ud588\uace0 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0\uc758 60%\ub97c \ucc28\uc9c0\ud558\ub294 \ub0b4\uc218\ub3c4 3\ubd84\uae30\uc5d0\ub294 \ucd95\uc18c\ub418\uc5c8\ub2e4.<\/p>\n<p>\uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ubb3c\uac00\uc5b5\uc81c\uac00 \ucd5c\uc6b0\uc120 \uacfc\uc81c\uc778 \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc740 \uce68\uccb4 \ub9ac\uc2a4\ud06c\ub97c \uac10\uc218\ud560 \uc218\ubc16\uc5d0 \uc5c6\ub2e4. \ubb3c\uac00\ub294 \uc5ec\ub984\uc758 8.1%\uc5d0\uc11c 11\uc6d4 6.9%\ub85c \ud558\ub77d\ud588\uc9c0\ub9cc \ubaa9\ud45c \ubb3c\uac00\uc778 2%\ub300\ub97c \uc704\ud5d8\ud55c \uc218\uc900\uc73c\ub85c \uc6c3\ub3cc\uace0 \uc788\uc73c\uba70 \ud575\uc2ec\ubb3c\uac00 \uc5ed\uc2dc 5%\ub300 \uc774\ub2e4.<\/p>\n<p>\uc911\uc559\uc740\ud589\uc740 \u201c\uc18c\ube44\uc790\uc640 \uae30\uc5c5\uc758 \uae30\ub300 \uc778\ud50c\ub808\uc774\uc158\uc774 \uae38\uc5b4\uc9c8\uc218\ub85d \uc778\ud50c\ub808\uc774\uc158\uc758 \uace0\ucc29\ud654 \uc704\ud5d8\uc774 \ub192\uc544\uc9c4\ub2e4\u201d\uace0 \uc9c0\uc801\ud588\ub2e4. \uc55e\uc73c\ub85c \uba87\uac1c\uc6d4\uac04 \uc644\ub9cc\ud55c \uacbd\uae30\uce68\uccb4\ub97c \ud1b5\uacfc\ud558\ub294 \uac83\uc774 \uc778\ud50c\ub808\uc778\uc158 \uace0\ucc29\ud654\ubcf4\ub2e4 \ud6e8\uc52c \ubc14\ub78c\uc9c1\ud558\ub2e4\ub294 \ud310\ub2e8\uc774\ub2e4.<\/p>\n<p>\uc815\ucc45\uc785\uc548\uc790\ub4e4\uc740 3\ubd84\uae30 \uc131\uc7a5\uc774 \uae30\ub300\ubcf4\ub2e4 \uac15\ud588\uace0 \uacbd\uc81c\uac00 \uacc4\uc18d\ud574\uc11c \u2018\uacfc\uc789\uc218\uc694\u2019\ub85c \uc6b4\uc601\ub418\uace0 \uc788\ub2e4\uace0 \uad00\uce21\ud55c\ub2e4. \uacbd\uc81c\uac00 \ub300\ucd9c\ube44\uc6a9 \uc778\uc0c1\uc744 \uc778\ud55c \uc5ed\ud48d\uc744 \ud5e4\uccd0 \ub098\uac08 \ucda9\ubd84\ud55c \ubaa8\uba58\ud140\uc744 \ubcf4\uc720\ud55c\ub2e4\uace0 \ubcf4\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>\uc131\uba85\uc11c\ub294 \u201c\uc6b0\ub9ac\ub294 2% \ubaa9\ud45c\ubb3c\uac00\ub97c \ub2ec\uc131\ud558\uace0 \uce90\ub098\ub2e4\uc778\ub4e4\uc758 \ubb3c\uac00\uc548\uc815\uc744 \ud68c\ubcf5\ud558\uae30 \uc704\ud55c \uc758\uc9c0\ub294 \ub2e8\ud638\ud558\ub2e4\u201d\ub77c\uace0 \uc5b8\uae09\ud588\ub2e4. \ud55c\ud3b8 \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc740 \uacbd\uc81c\uac00 \uc5f0\ub9d0\uacfc \ub0b4\ub144 \uc0c1\ubc18\uae30\uae4c\uc9c0 \uc81c\uc790\ub9ac\ub97c \uac78\uc74c\uc744 \ud560 \uac83\uc774\ub77c\ub294 \uc804\ub9dd\uc744 \uc720\uc9c0\ud588\ub2e4.<\/p>\n<p>\uc55e\uc73c\ub85c\uc758 \uae08\ub9ac\uc778\uc0c1\uc5d0 \ub300\ud55c \uc804\ubb38\uac00\ub4e4\uc758 \uc608\uc0c1\uc740 \ud55c\ucc28\ub840 \ub354 0.25%p\uc758 \uc18c\ud3ed \uc778\uc0c1\uc744 \uac70\uce5c \ud6c4 \ub3d9\uacb0\ub420 \uac00\ub2a5\uc131\uc5d0 \ubb34\uac8c\uac00 \uc2e4\ub9ac\uace0 \uc788\ub2e4. \ub370\uc790\ub518 \ub8f9 \ub85c\uc774\uc2a4 \uba58\ub370\uc2a4 \uacbd\uc81c\ud559\uc790\ub294 \uc774\ubc88\uc774 \ub9c8\uc9c0\ub9c9 \uc778\uc0c1\uc77c \uac83\uc774\ub77c\uace0 \uc608\uc0c1\ud588\uace0, \uce90\ud328\ud0c8\uc774\ucf54\ub178\ubbf9\uc2a4 \uc2a4\ud2f0\ube10 \ube0c\ub77c\uc6b4\uc740 \ub0b4\ub144 1\uc6d4\uc5d0 0.25%p \uc778\uc0c1\ub41c \ud6c4 \uba48\ucd9c \uac83\uc774\ub77c\uace0 \uc608\uc0c1\ud55c\ub2e4. \uc2a4\uc640\ud504 \uc5ed\uc2dc \ub0b4\ub144\uc5d0 0.25%p \uc778\uc0c1\ub41c \ud6c4 \ub3d9\uacb0\ub418\uace0 2023\ub144\uc5d0\ub294 \ucd5c\uc18c \ud55c\ucc28\ub840 \uc778\ud558\uac00 \uc788\uc744 \uac83\uc774\ub77c\uace0 \uc804\ub9dd\ud55c\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uae09\uc99d\ud55c \uc774\uc790 \ubd80\ub2f4<\/p>\n<p>\ub0b4\ub144 \ud55c\ucc28\ub840 \u2018\uc778\ud558\u2019<\/p>\n<p>&nbsp;<\/p>\n<p>\uacc4\uc18d\ub41c \uae08\ub9ac\uc778\uc0c1\uc73c\ub85c \ubcc0\ub3d9\uae08\ub9ac \ub300\ucd9c\uc790\ub4e4\uc758 \uc774\uc790 \ubd80\ub2f4\uc740 \uac10\ub2f9\ud558\uae30 \ud798\ub4e0 \uc218\uc900\uae4c\uc9c0 \ub418\uc5c8\ub2e4. \ud32c\ub370\ubbf9\uc5d0 \uc628\ud0c0\ub9ac\uc624\uc8fc\uc5d0 \uc9d1\uc744 \uad6c\ub9e4\ud55c \ub77c\ube44\uc544\uc640 \uc288\ub9c8\uc584 \ubd80\ubd80\ub294 \ubaa8\uae30\uc9c0 \uc774\uc790\uac00 \ub108\ubb34 \uc62c\ub77c\uc11c \uc9d1\uc744 \uad6c\ub9e4\ud55c \uac83\uc744 \ud6c4\ud68c\ud55c\ub2e4. \uc774 \ubd80\ubd80\ub294 \ubaa8\uae30\uc9c0\uc911\uac1c\uc778\uacfc \uc9c0\uc778\ub4e4\uc758 \uc870\uc5b8\uc744 \ub530\ub77c\uc11c \ubcc0\ub3d9\uae08\ub9ac \ubaa8\uae30\uc9c0\ub97c \ub300\ucd9c \ubc1b\uc558\ub2e4. \ucc98\uc74c\uc5d0 1.95% \uc600\ub358 \ub300\ucd9c\uae08\ub9ac\ub294 \uc774\uc81c 5% \uac00\uae4c\uc6cc\uc84c\uace0 \uc6d4\uc0c1\ud658\uae08\uc774 1\ucc9c \ub2ec\ub7ec \uc99d\uac00\ud588\ub2e4. \uc790\ub140\uc758 \ubc29\uacfc\ud6c4 \ud65c\ub3d9\uc744 \uc911\ub2e8\ud55c \ubd80\ubd80\ub294 \uc774 \uc18d\ub3c4\ub85c \uacc4\uc18d \uc624\ub974\uba74 \ubaa8\uae30\uc9c0\ub97c \uac10\ub2f9\ud560 \uc218 \uc5c6\ub2e4\uace0 \ub9d0\ud55c\ub2e4. \ud1a0\ub860\ud1a0\uc5d0 \uac70\uc8fc\ud558\ub294 \ub808\ubca0\uac00 \ucf54\uc11c\ub3c4 2\uc6d4\uc5d0 \ubaa8\uae30\uc9c0 \uac31\uc2e0\uc744 \uc55e\ub450\uace0 \uac71\uc815\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uc8fc\ud0dd\uc18c\uc720\uc790 \ubfd0\ub9cc\uc774 \uc544\ub2c8\ub2e4. \uce90\ub098\ub2e4\ub178\ub3d9\uc758\ud68c \ub4f1 \ub178\ub3d9\ub2e8\uccb4\ub3c4 \uae08\ub9ac\uc778\uc0c1\uc758 \uc18d\ub3c4\ub97c \uc904\uc5ec\uc904 \uac83\uc744 \uc815\ubd80\uc5d0 \ucd09\uad6c\ud558\uace0 \uc788\ub2e4. \uae08\ub9ac\ub97c \uc544\ubb34\ub9ac \uc62c\ub824\ub3c4 \ubb3c\uac00\ubd80\ub2f4\uc740 \uc5ec\uc804\ud558\uace0 \uc784\uae08 \uc778\uc0c1\ud3ed\uc774 \ub530\ub77c\uac00\uc9c0 \ubabb\ud55c\ub2e4\uba70 \ub300\ucd9c\ubd80\ub2f4\uc744 \uc904\uc5ec\uc904 \uac83\uc744 \uc694\uad6c\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; parallax__hover=&#8221;off&#8221; parallax_method__hover=&#8221;on&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_sidebar area=&#8221;et_pb_widget_area_3&#8243; _builder_version=&#8221;4.6.5&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px|0px|0px|0px|false|false&#8221; 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