{"id":506,"date":"2022-04-18T23:46:51","date_gmt":"2022-04-18T23:46:51","guid":{"rendered":"https:\/\/ihavenomoney.co.kr\/?p=506"},"modified":"2022-04-18T23:49:34","modified_gmt":"2022-04-18T23:49:34","slug":"ltv-dti-%eb%9c%bb","status":"publish","type":"post","link":"https:\/\/ihavenomoney.co.kr\/?p=506","title":{"rendered":"LTV , DTI \ub73b"},"content":{"rendered":"\n

LTV(Loan To Value ratio)<\/strong><\/p>\n\n\n\n

\ub2f4\ubcf4\uc778\uc815\ube44\uc728 \ub610\ub294 \ub2f4\ubcf4 \ub300\ucd9c \ube44\uc728\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n

\ub2f4\ubcf4(\uc8fc\ud0dd) \uac00\uaca9\uc744 \uae30\uc900\uc73c\ub85c \uc0b0\ucd9c\ub41c LTV \ube44\uc728\uc5d0 \ub530\ub77c \ub300\ucd9c\uae08\uc744 \uc2b9\uc778\ud574\uc8fc\ub294 \uac83\uc73c\ub85c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ube44\uc728\uc774\ub77c\uace0\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

LTV \uacc4\uc0b0 <\/strong><\/p>\n\n\n\n

  1. LTV = (\ub300\ucd9c\uae08\uc561 + \uc120\uc21c\uc704\ucc44\uad8c + \uc784\ucc28\ubcf4\uc99d\uae08 \ub4f1) \/ \ub2f4\ubcf4\uac00\uce58<\/strong><\/li>
  2. LTV = (\ubd80\ub3d9\uc0b0 \ub2f4\ubcf4 \uac00\uaca9 \/ \uc740\ud589 \ub300\ucd9c\uae08\uc561) * 100<\/strong><\/li><\/ol>\n\n\n\n

    DTI(Debt to Income)<\/strong><\/p>\n\n\n\n

    \ucd1d\ubd80\ucc44\uc0c1\ud658\ube44\uc728<\/strong><\/p>\n\n\n\n

    \ucc44\ubb34\uc0c1\ud658 \uac00\ub2a5\uc131\uc744 \uce21\uc815\ud558\ub294 \uc9c0\ud45c\ub85c, \ubcf8\uc778\uc758 \uc18c\ub4dd\uc744 \uae30\uc900\uc73c\ub85c \ubd80\ucc44\ub97c \uc0c1\ud658\ud560 \uc218 \uc788\ub294\uc9c0\ub97c \ub098\ud0c0\ub0c5\ub2c8\ub2e4.<\/p>\n\n\n\n

    DTI \ube44\uc728\uc774 \ub0ae\uc744\uc218\ub85d \ucc44\ubb34\uc0c1\ud658 \ub2a5\ub825\uc774 \ub6f0\uc5b4\ub09c \uac83\uc73c\ub85c \ud310\ub2e8\ud558\uba70, \ub192\uc744\uc218\ub85d \ucc44\ubb34\uc0c1\ud658 \ub2a5\ub825\uc774 \ub5a8\uc5b4\uc9c0\ub294 \uac83\uc73c\ub85c \ubcf4\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

    \"\"<\/figure>\n\n\n\n

    DTI \uacc4\uc0b0 \ubc29\ubc95 2\uac00\uc9c0<\/strong><\/p>\n\n\n\n

    1. DTI = (\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc6d0\ub9ac\uae08 \uc0c1\ud658\uc561 + \uae30\ub300\ucd9c \uc774\uc790 \uc0c1\ud658\uc561) \/ \uc5f0\uac04 \uc18c\ub4dd<\/strong><\/li>
    2. DTI = (\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc6d0\ub9ac\uae08 \uc0c1\ud658\uc561 + \uae30\ub300\ucd9c \uc774\uc790 \uc0c1\ud658\uc561 + \uae30\ub300\ucd9c \uc6d0\ub9ac\uae08 \uc0c1\ud658\uc561) \/ \uc5f0\uac04 \uc18c\ub4dd<\/strong><\/li><\/ol>\n\n\n\n
      \"\"<\/figure>\n","protected":false},"excerpt":{"rendered":"

      LTV(Loan To Value ratio) \ub2f4\ubcf4\uc778\uc815\ube44\uc728 \ub610\ub294 \ub2f4\ubcf4 \ub300\ucd9c \ube44\uc728\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \ub2f4\ubcf4(\uc8fc\ud0dd) \uac00\uaca9\uc744 \uae30\uc900\uc73c\ub85c \uc0b0\ucd9c\ub41c LTV \ube44\uc728\uc5d0 \ub530\ub77c \ub300\ucd9c\uae08\uc744 \uc2b9\uc778\ud574\uc8fc\ub294 \uac83\uc73c\ub85c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ube44\uc728\uc774\ub77c\uace0\ub3c4 \ud569\ub2c8\ub2e4. LTV \uacc4\uc0b0 LTV = (\ub300\ucd9c\uae08\uc561 + \uc120\uc21c\uc704\ucc44\uad8c + \uc784\ucc28\ubcf4\uc99d\uae08 \ub4f1) \/ \ub2f4\ubcf4\uac00\uce58 LTV = (\ubd80\ub3d9\uc0b0 \ub2f4\ubcf4 \uac00\uaca9 \/ \uc740\ud589 \ub300\ucd9c\uae08\uc561) * 100 DTI(Debt to Income) \ucd1d\ubd80\ucc44\uc0c1\ud658\ube44\uc728 \ucc44\ubb34\uc0c1\ud658 \uac00\ub2a5\uc131\uc744 \uce21\uc815\ud558\ub294 \uc9c0\ud45c\ub85c, \ubcf8\uc778\uc758 \uc18c\ub4dd\uc744 … LTV , DTI \ub73b<\/span> \ub354\ubcf4\uae30 →<\/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":[9],"tags":[],"class_list":["post-506","post","type-post","status-publish","format-standard","hentry","category-9"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/506","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=506"}],"version-history":[{"count":2,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/506\/revisions"}],"predecessor-version":[{"id":510,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/506\/revisions\/510"}],"wp:attachment":[{"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=506"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=506"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=506"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}