{"id":3124,"date":"2025-12-31T00:36:23","date_gmt":"2025-12-31T00:36:23","guid":{"rendered":"https:\/\/ihavenomoney.co.kr\/?p=3124"},"modified":"2025-12-31T00:36:23","modified_gmt":"2025-12-31T00:36:23","slug":"%ed%95%b4%ec%99%b8%ec%a3%bc%ec%8b%9d-%ec%84%b8%ea%b8%88","status":"publish","type":"post","link":"https:\/\/ihavenomoney.co.kr\/?p=3124","title":{"rendered":"\ud574\uc678\uc8fc\uc2dd \uc138\uae08"},"content":{"rendered":"\n<p><strong>\ud574\uc678\uc8fc\uc2dd \ud22c\uc790 \uc218\uc775\uc774 250\ub9cc \uc6d0\uc744 \ucd08\uacfc\ud588\ub2e4\uace0 \ud574\uc11c \uc804\ubd80 \uc885\ud569\uc18c\ub4dd\uc138\ub85c \uac00\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/strong><br>\ud83d\udc49 <strong>\uc218\uc775\uc758 \uc885\ub958\uc5d0 \ub530\ub77c \uacfc\uc138 \ubc29\uc2dd\uc774 \ub2e4\ub985\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">1\ufe0f\u20e3 \ud574\uc678\uc8fc\uc2dd <strong>\ub9e4\ub9e4\ucc28\uc775<\/strong> (\uc591\ub3c4\ucc28\uc775)<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uacfc\uc138 \ubc29\uc2dd:<\/strong> \ud83d\udc49 <strong>\uc591\ub3c4\uc18c\ub4dd\uc138<\/strong><\/li>\n\n\n\n<li><strong>\uae30\ubcf8\uacf5\uc81c:<\/strong> \uc5f0 <strong>250\ub9cc \uc6d0<\/strong><\/li>\n\n\n\n<li><strong>\uc138\uc728:<\/strong>\n<ul class=\"wp-block-list\">\n<li>\uacfc\uc138\ud45c\uc900\uc758 <strong>22% (\uc591\ub3c4\uc18c\ub4dd\uc138 20% + \uc9c0\ubc29\uc138 2%)<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uc885\ud569\uc18c\ub4dd\uc138\uc640 \ubd84\ub9ac\uacfc\uc138<\/strong> \u274c (\ud569\uc0b0 \uc548 \ud568)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\uc608\uc2dc<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub9e4\ub9e4\ucc28\uc775: 500\ub9cc \uc6d0<\/li>\n\n\n\n<li>\uae30\ubcf8\uacf5\uc81c: 250\ub9cc \uc6d0<\/li>\n\n\n\n<li>\uacfc\uc138\ub300\uc0c1: 250\ub9cc \uc6d0<\/li>\n\n\n\n<li>\uc138\uae08: 250\ub9cc \u00d7 22% = <strong>55\ub9cc \uc6d0<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2\ufe0f\u20e3 \ud574\uc678\uc8fc\uc2dd <strong>\ubc30\ub2f9\uae08<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uacfc\uc138 \ubc29\uc2dd:<\/strong> \ud83d\udc49 <strong>\uc885\ud569\uc18c\ub4dd\uc138<\/strong><\/li>\n\n\n\n<li>\ud574\uc678 \ubc30\ub2f9\uc740 \uad6d\ub0b4\uc5d0\uc11c <strong>\uc6d0\ucc9c\uc9d5\uc218\ub418\uc9c0 \uc54a\uc74c<\/strong><\/li>\n\n\n\n<li>\ub2e4\uc74c \ud574 5\uc6d4 <strong>\uc885\ud569\uc18c\ub4dd\uc138 \uc2e0\uace0 \ud544\uc218<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ubc30\ub2f9\uc18c\ub4dd \uc138\uc728<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc885\ud569\uacfc\uc138 \uad6c\uac04\uc5d0 \ub530\ub77c <strong>6% ~ 45%<\/strong><\/li>\n\n\n\n<li>\ub2e8, <strong>\ubc30\ub2f9 + \uc774\uc790 \ud569\uacc4\uac00 2,000\ub9cc \uc6d0 \ucd08\uacfc \uc2dc \uc885\ud569\uacfc\uc138<\/strong><\/li>\n\n\n\n<li>2,000\ub9cc \uc6d0 \uc774\ud558\ub77c\ub3c4 \uc2e0\uace0\ub294 \ud544\uc694<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">3\ufe0f\u20e3 \ud575\uc2ec \uc815\ub9ac (\uc911\uc694 \u2b50)<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th>\uacfc\uc138 \ubc29\uc2dd<\/th><th>250\ub9cc \uc6d0 \uacf5\uc81c<\/th><\/tr><\/thead><tbody><tr><td>\ud574\uc678\uc8fc\uc2dd <strong>\ub9e4\ub9e4\ucc28\uc775<\/strong><\/td><td>\uc591\ub3c4\uc18c\ub4dd\uc138 (\ubd84\ub9ac\uacfc\uc138)<\/td><td>\u2705 \uc788\uc74c<\/td><\/tr><tr><td>\ud574\uc678\uc8fc\uc2dd <strong>\ubc30\ub2f9\uae08<\/strong><\/td><td>\uc885\ud569\uc18c\ub4dd\uc138<\/td><td>\u274c \uc5c6\uc74c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udc49 <strong>\u201c250\ub9cc \uc6d0 \uae30\uc900\u201d\uc740 \uc624\uc9c1 \u2018\ub9e4\ub9e4\ucc28\uc775\u2019\uc5d0\ub9cc \uc801\uc6a9<\/strong><br>\ud83d\udc49 <strong>\ubc30\ub2f9\uae08\uc740 \uae08\uc561\uacfc \uad00\uacc4\uc5c6\uc774 \uc885\ud569\uc18c\ub4dd\uc138 \ub300\uc0c1<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4\ufe0f\u20e3 \ub9ce\uc740 \ubd84\ub4e4\uc774 \ud5f7\uac08\ub9ac\ub294 \ud3ec\uc778\ud2b8<\/h2>\n\n\n\n<p>\u274c \u201c\ud574\uc678\uc8fc\uc2dd \uc218\uc775 250\ub9cc \uc6d0 \ub118\uc73c\uba74 \uc804\ubd80 \uc885\uc18c\uc138\u201d<br>\u2b55 \u201c\ub9e4\ub9e4\ucc28\uc775\uc740 \uc591\ub3c4\uc18c\ub4dd\uc138 \/ \ubc30\ub2f9\uc740 \uc885\ud569\uc18c\ub4dd\uc138\u201d<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ubc30\ub2f9 + \ub9e4\ub9e4\ucc28\uc775 \ud63c\ud569 \uc0ac\ub840 \uacc4\uc0b0<\/strong><\/li>\n\n\n\n<li><strong>\ubbf8\uad6d \ubc30\ub2f9 \uc6d0\ucc9c\uc9d5\uc218(15%)\uc640 \uc678\uad6d\ub0a9\ubd80\uc138\uc561\uacf5\uc81c<\/strong><\/li>\n\n\n\n<li><strong>ISA \/ \uc5f0\uae08\uacc4\uc88c \ud65c\uc6a9 \uc808\uc138 \uc804\ub7b5<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ubc30\ub2f9\uc5d0 \ub300\ud574 2,000\ub9cc \uc6d0 \uc774\ud558\ub77c\ub3c4 \uc2e0\uace0\ub294 \ubc18\ub4dc\uc2dc \ud544\uc694 \ud55c\uac00?<\/p>\n\n\n\n<p>\uc9e7\uac8c \ub2f5\ud558\uba74 **\u201c\uc6d0\uce59\uc801\uc73c\ub85c\ub294 \uc2e0\uace0 \ub300\uc0c1\uc774\uc9c0\ub9cc, \ub300\ubd80\ubd84\uc758 \uac1c\uc778\ud22c\uc790\uc790\ub294 \u2018\ucd94\uac00\ub85c \ub0bc \uc138\uae08\uc774 \uc5c6\uc5b4\uc11c\u2019 \uc0dd\ub7b5\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4\u201d**\uac00 \uc815\ud655\ud55c \ud45c\ud604\uc785\ub2c8\ub2e4.<br>\ub2e4\ub9cc <strong>\uad6d\ub0b4\ubc30\ub2f9\uacfc \ud574\uc678\ubc30\ub2f9\uc740 \ub2e4\ub985\ub2c8\ub2e4.<\/strong> \uc544\ub798\uc5d0\uc11c \uba85\ud655\ud788 \uc815\ub9ac\ud560\uac8c\uc694.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">1\ufe0f\u20e3 \uad6d\ub0b4\uc8fc\uc2dd \ubc30\ub2f9 (\ud55c\uad6d \uc0c1\uc7a5\uc8fc\uc2dd)<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubc30\ub2f9\uc18c\ub4dd + \uc774\uc790\uc18c\ub4dd \ud569\uacc4 <strong>2,000\ub9cc \uc6d0 \uc774\ud558<\/strong><\/li>\n\n\n\n<li>\uc774\ubbf8 <strong>\uc6d0\ucc9c\uc9d5\uc218 15.4%<\/strong> \uc644\ub8cc<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 <strong>\uc885\ud569\uc18c\ub4dd\uc138 \uc2e0\uace0 \uc758\ubb34 \uc5c6\uc74c (\uc120\ud0dd \uc0ac\ud56d)<\/strong><br>\ud83d\udc49 \ud658\uae09 \ubc1b\uc744 \uac8c \uc5c6\uc73c\uba74 <strong>\uc2e0\uace0 \uc548 \ud574\ub3c4 \ubb38\uc81c \uc5c6\uc74c<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2\ufe0f\u20e3 \ud574\uc678\uc8fc\uc2dd \ubc30\ub2f9 (\ubbf8\uad6d \ub4f1)<\/h2>\n\n\n\n<p>\ud83d\udc49 <strong>\ud575\uc2ec \ud3ec\uc778\ud2b8<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud574\uc678\ubc30\ub2f9\uc740 <strong>\uad6d\ub0b4\uc5d0\uc11c \uc6d0\ucc9c\uc9d5\uc218 \uc548 \ub428<\/strong><\/li>\n\n\n\n<li>(\ubbf8\uad6d\uc758 \uacbd\uc6b0) <strong>\ud604\uc9c0 15% \uc6d0\ucc9c\uc9d5\uc218\ub9cc \ub428<\/strong><\/li>\n\n\n\n<li>\uad6d\uc138\uccad\uc740 \uc790\ub3d9\uc73c\ub85c \uc138\uae08 \uc815\uc0b0\uc744 \uc548 \ud574\uc90c<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\uacb0\ub860<\/h3>\n\n\n\n<p>\u2714 <strong>\ubc30\ub2f9\uc18c\ub4dd 2,000\ub9cc \uc6d0 \uc774\ud558\ub77c\ub3c4 \uc885\ud569\uc18c\ub4dd\uc138 \uc2e0\uace0 \u201c\ub300\uc0c1\u201d<\/strong><br>\u2714 \ub2e4\ub9cc <strong>\uc678\uad6d\ub0a9\ubd80\uc138\uc561\uacf5\uc81c\ub85c \uc778\ud574 \ucd94\uac00 \ub0a9\ubd80\uc138\uc561\uc774 0\uc6d0\uc774\uba74<\/strong><br>\u27a1 <strong>\uc2e4\ubb34\uc0c1 \uc2e0\uace0 \ub204\ub77d\uc73c\ub85c \ubb38\uc81c \ub418\ub294 \uacbd\uc6b0\ub294 \uac70\uc758 \uc5c6\uc74c<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u26a0\ufe0f \ud558\uc9c0\ub9cc <strong>\uc5c4\ubc00\ud788 \ub9d0\ud558\uba74 \uc2e0\uace0 \uc758\ubb34\ub294 \uc874\uc7ac<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">3\ufe0f\u20e3 \uc65c \u2018\uc2e0\uace0 \uc548 \ud574\ub3c4 \uad1c\ucc2e\ub2e4\u2019\ub294 \ub9d0\uc774 \ub098\uc62c\uae4c?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\ubbf8\uad6d \ubc30\ub2f9 \uc608\uc2dc<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubc30\ub2f9\uae08: 1,000\ub9cc \uc6d0<\/li>\n\n\n\n<li>\ubbf8\uad6d \uc6d0\ucc9c\uc9d5\uc218: 15% \u2192 150\ub9cc \uc6d0<\/li>\n\n\n\n<li>\ud55c\uad6d \uc138\uc728: 15.4%<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 \uc678\uad6d\ub0a9\ubd80\uc138\uc561\uacf5\uc81c\ub85c <strong>\uac70\uc758 \uc0c1\uacc4<\/strong><br>\ud83d\udc49 \ucd94\uac00 \ub0a9\ubd80\uc138\uc561: <strong>0 ~ \uc18c\uc561<\/strong><\/p>\n\n\n\n<p>\uadf8\ub798\uc11c<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2e0\uace0\ud574\ub3c4 \ub0bc \uc138\uae08 \uc5c6\uc74c<\/li>\n\n\n\n<li>\uc548 \ud574\ub3c4 \ucd94\uc9d5 \uc0ac\ub840 \uac70\uc758 \uc5c6\uc74c<br>\u27a1 <strong>\uad00\ud589\uc801\uc73c\ub85c \uc0dd\ub7b5\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc74c<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4\ufe0f\u20e3 \ud558\uc9c0\ub9cc \u2757 \uc774\ub7f0 \uacbd\uc6b0\ub294 \ubc18\ub4dc\uc2dc \uc2e0\uace0 \uad8c\uc7a5<\/h2>\n\n\n\n<p>\u2714 \ud574\uc678\ubc30\ub2f9 + \ub2e4\ub978 \uc18c\ub4dd\uc774 \uc788\uc5b4 <strong>\uc138\uc728\uc774 15.4% \ucd08\uacfc<\/strong><br>\u2714 \uc678\uad6d \uc6d0\ucc9c\uc9d5\uc218\uc728\uc774 <strong>15%\ubcf4\ub2e4 \ub0ae\uc740 \uad6d\uac00<\/strong><br>\u2714 \ubc30\ub2f9 \uc678\uc5d0 <strong>\uae30\ud0c0\uc18c\ub4dd\u00b7\uc0ac\uc5c5\uc18c\ub4dd\u00b7\uc784\ub300\uc18c\ub4dd<\/strong>\uc774 \uc788\ub294 \uacbd\uc6b0<br>\u2714 <strong>\uae08\uc561\uc774 \ucee4\uc9c8 \uac00\ub2a5\uc131<\/strong>\uc774 \uc788\ub294 \ud22c\uc790\uc790<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5\ufe0f\u20e3 \ud575\uc2ec \ud55c \uc904 \uc815\ub9ac<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>\ud574\uc678\uc8fc\uc2dd \ubc30\ub2f9\uc740 2,000\ub9cc \uc6d0 \uc774\ud558\ub77c\ub3c4 \u2018\uc2e0\uace0 \ub300\uc0c1\u2019<\/strong><br>\ub2e4\ub9cc <strong>\ucd94\uac00 \uc138\uae08\uc774 \uc5c6\uc73c\uba74 \uc2e4\ubb34\uc0c1 \ubb38\uc81c\ub418\ub294 \uacbd\uc6b0\uac00 \ub4dc\ubb3e<\/strong><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>\ud574\uc678\uc8fc\uc2dd \ud22c\uc790 \uc218\uc775\uc774 250\ub9cc \uc6d0\uc744 \ucd08\uacfc\ud588\ub2e4\uace0 \ud574\uc11c \uc804\ubd80 \uc885\ud569\uc18c\ub4dd\uc138\ub85c \uac00\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.\ud83d\udc49 \uc218\uc775\uc758 \uc885\ub958\uc5d0 \ub530\ub77c \uacfc\uc138 \ubc29\uc2dd\uc774 \ub2e4\ub985\ub2c8\ub2e4. 1\ufe0f\u20e3 \ud574\uc678\uc8fc\uc2dd \ub9e4\ub9e4\ucc28\uc775 (\uc591\ub3c4\ucc28\uc775) \uc608\uc2dc 2\ufe0f\u20e3 \ud574\uc678\uc8fc\uc2dd \ubc30\ub2f9\uae08 \ubc30\ub2f9\uc18c\ub4dd \uc138\uc728 3\ufe0f\u20e3 \ud575\uc2ec \uc815\ub9ac (\uc911\uc694 \u2b50) \uad6c\ubd84 \uacfc\uc138 \ubc29\uc2dd 250\ub9cc \uc6d0 \uacf5\uc81c \ud574\uc678\uc8fc\uc2dd \ub9e4\ub9e4\ucc28\uc775 \uc591\ub3c4\uc18c\ub4dd\uc138 (\ubd84\ub9ac\uacfc\uc138) \u2705 \uc788\uc74c \ud574\uc678\uc8fc\uc2dd \ubc30\ub2f9\uae08 \uc885\ud569\uc18c\ub4dd\uc138 \u274c \uc5c6\uc74c \ud83d\udc49 \u201c250\ub9cc \uc6d0 \uae30\uc900\u201d\uc740 \uc624\uc9c1 &hellip; <a href=\"https:\/\/ihavenomoney.co.kr\/?p=3124\" class=\"more-link\"><span class=\"screen-reader-text\">\ud574\uc678\uc8fc\uc2dd \uc138\uae08<\/span> \ub354\ubcf4\uae30 <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3124","post","type-post","status-publish","format-standard","hentry","category-stock"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/3124","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3124"}],"version-history":[{"count":1,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/3124\/revisions"}],"predecessor-version":[{"id":3125,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/3124\/revisions\/3125"}],"wp:attachment":[{"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}