{"id":3513,"date":"2026-09-16T15:18:19","date_gmt":"2026-09-17T00:18:19","guid":{"rendered":"https:\/\/ihavenomoney.co.kr\/?p=3513"},"modified":"2026-09-16T15:18:21","modified_gmt":"2026-09-17T00:18:21","slug":"%eb%af%b8%ea%b5%ad-%ea%b8%88%eb%a6%ac%ec%99%80-%ed%95%9c%ea%b5%ad%ea%b8%88%eb%a6%ac-%eb%b9%84%ea%b5%90","status":"publish","type":"post","link":"https:\/\/ihavenomoney.co.kr\/?p=3513","title":{"rendered":"\ubbf8\uad6d \uae08\ub9ac\uc640 \ud55c\uad6d\uae08\ub9ac \ube44\uad50"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">2026\ub144 9\uc6d4 17\uc77c \ud604\uc7ac \uc911\uc559\uc740\ud589 \uc815\ucc45\uae08\ub9ac\ub97c \ube44\uad50\ud558\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th>\ud83c\uddfa\ud83c\uddf8 \ubbf8\uad6d Fed<\/th><th>\ud83c\uddf0\ud83c\uddf7 \ud55c\uad6d\uc740\ud589<\/th><\/tr><\/thead><tbody><tr><td>\uc815\ucc45\uae08\ub9ac<\/td><td><strong>3.75~4.00%<\/strong><\/td><td><strong>3.00%<\/strong><\/td><\/tr><tr><td>\ucd5c\uadfc \uacb0\uc815<\/td><td>9\/16 <strong>0.25%p \uc778\uc0c1<\/strong><\/td><td>8\/27 <strong>0.25%p \uc778\uc0c1<\/strong><\/td><\/tr><tr><td>\uae08\ub9ac\ucc28<\/td><td><strong>\ubbf8\uad6d\uc774 0.75~1.00%p \ub192\uc74c<\/strong><\/td><td>\u2014<\/td><\/tr><tr><td>\ubb3c\uac00\ubaa9\ud45c<\/td><td>2%<\/td><td>2%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ubbf8 \uc5f0\uc900\uc740 <strong>\uc5b4\uc81c(9\uc6d4 16\uc77c) 0.25%p \uc778\uc0c1<\/strong>\ud574 \uc5f0\ubc29\uae30\uae08\uae08\ub9ac \ubaa9\ud45c\ubc94\uc704\ub97c 3.75~4.00%\ub85c \uc62c\ub838\uc2b5\ub2c8\ub2e4. \uc5f0\uc900\uc740 \uc778\ud50c\ub808\uc774\uc158\uc774 \uc5ec\uc804\ud788 \ub192\uc740 \uc218\uc900\uc774\ub77c\uace0 \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud55c\uad6d\uc740\ud589\uc740 8\uc6d4 27\uc77c \uae30\uc900\uae08\ub9ac\ub97c **2.75% \u2192 3.00%**\ub85c \uc62c\ub838\uc73c\uba70, 9\uc6d4 \ud1b5\ud654\uc2e0\uc6a9\uc815\ucc45\ubcf4\uace0\uc11c\uc5d0\uc11c\ub3c4 \ubb3c\uac00\uac00 \uc0c1\ub2f9 \uae30\uac04 \ubaa9\ud45c\uc218\uc900\uc744 \uc6c3\ub3cc \uac83\uc73c\ub85c \ubcf4\uace0 \ucd94\uac00 \uc778\uc0c1\uc758 \uc2dc\uae30\uc640 \uc18d\ub3c4\ub97c \uac80\ud1a0\ud558\uaca0\ub2e4\ub294 \uc785\uc7a5\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc989 \ud604\uc7ac \uad6c\uc870\ub294 \ub300\ub7b5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ubbf8\uad6d 3.75~4.00% &gt; \ud55c\uad6d 3.00%<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub85c, \ubbf8\uad6d \uae08\ub9ac\uac00 \ud55c\uad6d\ubcf4\ub2e4 <strong>0.75~1.00%p \ub192\uc740 \uc5ed\uc804 \uc0c1\ud0dc<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uae08\ub9ac\ucc28\uac00 \uc720\uc9c0\ub418\uba74 \uc77c\ubc18\uc801\uc73c\ub85c \uc6d0\ud654\uc5d0\ub294 \uc57d\uc138 \uc555\ub825\uc774 \ub420 \uc218 \uc788\uace0, \ud55c\uad6d\uc740\ud589\uc774 \uae08\ub9ac\ub97c \ub0b4\ub9ac\uae30\uc5d0\ub294 \ubd80\ub2f4\uc774 \ub429\ub2c8\ub2e4. \ub2e4\ub9cc \ud658\uc728\uc740 \uae08\ub9ac\ucc28\ubfd0 \uc544\ub2c8\ub77c \ubb34\uc5ed\uc218\uc9c0, \uc678\uad6d\uc778 \uc790\uae08 \ud750\ub984, \uc704\ud5d8\uc120\ud638 \ub4f1\uc5d0\ub3c4 \ud06c\uac8c \uc88c\uc6b0\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc6d0\ud558\uc2dc\uba74 \uc774\uc5b4\uc11c **\u2460 2025~2026 \ud55c\u00b7\ubbf8 \uae08\ub9ac \ucd94\uc774 \uadf8\ub798\ud504**\uc640 **\u2461 \uc55e\uc73c\ub85c \ubbf8\uad6d\u00b7\ud55c\uad6d \uae08\ub9ac\uac00 \uac01\uac01 \uc5b4\ub5bb\uac8c \uc6c0\uc9c1\uc77c \uc218 \uc788\ub294\uc9c0, \uadf8\ub9ac\uace0 \uc6d0\/\ub2ec\ub7ec\u00b7\ud55c\uad6d \uc8fc\uc2dd\u00b7\ubd80\ub3d9\uc0b0\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5**\uae4c\uc9c0 \uac19\uc774 \ubd84\uc11d\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2026\ub144 9\uc6d4 17\uc77c \ud604\uc7ac \uc911\uc559\uc740\ud589 \uc815\ucc45\uae08\ub9ac\ub97c \ube44\uad50\ud558\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uad6c\ubd84 \ud83c\uddfa\ud83c\uddf8 \ubbf8\uad6d Fed \ud83c\uddf0\ud83c\uddf7 \ud55c\uad6d\uc740\ud589 \uc815\ucc45\uae08\ub9ac 3.75~4.00% 3.00% \ucd5c\uadfc \uacb0\uc815 9\/16 0.25%p \uc778\uc0c1 8\/27 0.25%p \uc778\uc0c1 \uae08\ub9ac\ucc28 \ubbf8\uad6d\uc774 0.75~1.00%p \ub192\uc74c \u2014 \ubb3c\uac00\ubaa9\ud45c 2% 2% \ubbf8 \uc5f0\uc900\uc740 \uc5b4\uc81c(9\uc6d4 16\uc77c) 0.25%p \uc778\uc0c1\ud574 \uc5f0\ubc29\uae30\uae08\uae08\ub9ac \ubaa9\ud45c\ubc94\uc704\ub97c 3.75~4.00%\ub85c \uc62c\ub838\uc2b5\ub2c8\ub2e4. \uc5f0\uc900\uc740 \uc778\ud50c\ub808\uc774\uc158\uc774 \uc5ec\uc804\ud788 \ub192\uc740 \uc218\uc900\uc774\ub77c\uace0 \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4. \ud55c\uad6d\uc740\ud589\uc740 8\uc6d4 27\uc77c \uae30\uc900\uae08\ub9ac\ub97c **2.75% &hellip; <a href=\"https:\/\/ihavenomoney.co.kr\/?p=3513\" class=\"more-link\"><span class=\"screen-reader-text\">\ubbf8\uad6d \uae08\ub9ac\uc640 \ud55c\uad6d\uae08\ub9ac \ube44\uad50<\/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":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[14],"tags":[],"class_list":["post-3513","post","type-post","status-publish","format-standard","hentry","category-14"],"yoast_head":"<!-- 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