{"id":197,"date":"2026-04-19T20:07:59","date_gmt":"2026-04-20T05:07:59","guid":{"rendered":"https:\/\/noteconomy.com\/?p=197"},"modified":"2026-05-17T17:29:40","modified_gmt":"2026-05-18T02:29:40","slug":"2026-home-loan-didimdol-bogeumjari-method","status":"publish","type":"post","link":"https:\/\/noteconomy.com\/en\/2026-home-loan-didimdol-bogeumjari-method\/","title":{"rendered":"2026 \ubcf4\uae08\uc790\ub9ac\ub860 \ub514\ub524\ub3cc \ucc28\uc774 \ubc29\ubc95 \ucd1d\uc815\ub9ac (LTV DTI DSR \uc5f0\ubd09 \uae30\uc900 \ud3ec\ud568)"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-2-1-40-1024x576-optimized.webp\" alt=\"\" class=\"wp-image-198\" srcset=\"https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-2-1-40-1024x576-optimized.webp 1024w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-2-1-40-1024x576-optimized-300x169.webp 300w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-2-1-40-1024x576-optimized-768x432.webp 768w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-2-1-40-1024x576-optimized-640x360.webp 640w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\uae30\uc0ac \uc774\ud574\ub97c \ub3d5\uae30 \uc704\ud55c \ucc38\uace0 \uc774\ubbf8\uc9c0 = \ubc45\ud06c\uc0d0\ub7ec\ub4dc<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">2026 \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785, \ubc18\ub4dc\uc2dc \uc54c\uc544\uc57c \ud560 \ud575\uc2ec \uad6c\uc870<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2026\ub144 \ud604\uc7ac, \uc815\ubd80\uc758 \uc8fc\ud0dd \uc815\ucc45\uc740 \ub2e8\uc21c\ud55c \uc9c0\uc6d0\uc744 \ub118\uc5b4 <strong>\uc2e4\uc9c8\uc801\uc778 \uc790\uc0b0 \ud615\uc131\uc758 \uae30\ud68c<\/strong>\ub85c \uc791\ub3d9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785\uc790\ub77c\uba74 \uc138\uae08, \ub300\ucd9c, \uccad\uc57d\uae4c\uc9c0 \ub3d9\uc2dc\uc5d0 \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \uad6c\uc870\uc774\uae30 \ub54c\ubb38\uc5d0 \uc804\ub7b5\uc801\uc73c\ub85c \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ub2e8\uc21c\ud788 \u201c\ub514\ub524\ub3cc vs \ubcf4\uae08\uc790\ub9ac\ub860\u201d \ube44\uad50\ub9cc \ubcf4\uace0 \uc120\ud0dd\ud558\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 <strong>LTV, DTI, DSR, \uc5f0\ubd09 \uc870\uac74<\/strong>\uc744 \uc885\ud569\uc801\uc73c\ub85c \ubd84\uc11d\ud574\uc57c \ucd5c\uc801\uc758 \uacb0\uacfc\ub97c \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ucde8\ub4dd\uc138 \uac10\uba74: \uac00\uc7a5 \uba3c\uc800 \ucc59\uaca8\uc57c \ud560 \uc808\uc138 \ud3ec\uc778\ud2b8<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-1-42-1024x576-optimized.webp\" alt=\"\" class=\"wp-image-199\" srcset=\"https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-1-42-1024x576-optimized.webp 1024w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-1-42-1024x576-optimized-300x169.webp 300w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-1-42-1024x576-optimized-768x432.webp 768w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-1-42-1024x576-optimized-640x360.webp 640w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\uae30\uc0ac \uc774\ud574\ub97c \ub3d5\uae30 \uc704\ud55c \ucc38\uace0 \uc774\ubbf8\uc9c0 = \ub354\ud53c\uc54c \ucee4\ubba4\ub2c8\ucf00\uc774\uc158<\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785\uc790\uc5d0\uac8c \uac00\uc7a5 \uc9c1\uc811\uc801\uc778 \ud61c\ud0dd\uc740 \ucde8\ub4dd\uc138 \uac10\uba74\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>6\uc5b5 \uc774\ud558 \uc8fc\ud0dd:<\/strong> \ucde8\ub4dd\uc138 100% \uba74\uc81c<\/li>\n\n\n\n<li><strong>6\uc5b5 \ucd08\uacfc ~ 9\uc5b5 \uc774\ud558:<\/strong> \ucde8\ub4dd\uc138 50% \uac10\uba74<\/li>\n\n\n\n<li><strong>\uc870\uac74:<\/strong> \uc138\ub300 \uc804\uc6d0 \ubb34\uc8fc\ud0dd + \uc2e4\uac70\uc8fc \uc758\ubb34<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\ub97c \ub4e4\uc5b4 4\uc5b5 \uc6d0 \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud560 \uacbd\uc6b0 \uc57d 400\ub9cc \uc6d0 \uc774\uc0c1\uc758 \uc808\uc138 \ud6a8\uacfc\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud55c \ud560\uc778 \uc218\uc900\uc774 \uc544\ub2c8\ub77c <strong>\ucd08\uae30 \uc790\uae08 \uad6c\uc870 \uc790\uccb4\ub97c \ubc14\uafb8\ub294 \uc694\uc18c<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub514\ub524\ub3cc vs \ubcf4\uae08\uc790\ub9ac\ub860 \ucc28\uc774 \ubc29\ubc95 (\ud575\uc2ec \ube44\uad50)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub450 \uc0c1\ud488\uc740 \ube44\uc2b7\ud574 \ubcf4\uc774\uc9c0\ub9cc \ubaa9\uc801\uacfc \uad6c\uc870\uac00 \uc644\uc804\ud788 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \ub514\ub524\ub3cc \ub300\ucd9c (\uc800\uae08\ub9ac \ucd5c\uc801\ud654)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc5f0\ubd09 \uae30\uc900: \ubd80\ubd80\ud569\uc0b0 \uc57d 7\ucc9c\ub9cc \uc6d0 \uc774\ud558<\/li>\n\n\n\n<li>\uae08\ub9ac: \uc57d 2~3%\ub300<\/li>\n\n\n\n<li>\uc8fc\ud0dd \uae30\uc900: 5\uc5b5 \uc774\ud558<\/li>\n\n\n\n<li>\ud2b9\uc9d5: <strong>\ucd5c\uc800 \uae08\ub9ac \uc911\uc2ec<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. \ubcf4\uae08\uc790\ub9ac\ub860 (\uc548\uc815\uc131 \uc911\uc2ec)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc5f0\ubd09 \uae30\uc900: \ub514\ub524\ub3cc\ubcf4\ub2e4 \uc644\ud654<\/li>\n\n\n\n<li>\ub300\ucd9c \ud55c\ub3c4: \ucd5c\ub300 5\uc5b5<\/li>\n\n\n\n<li>\uae08\ub9ac: \uace0\uc815\uae08\ub9ac<\/li>\n\n\n\n<li>\ud2b9\uc9d5: <strong>\uae08\ub9ac \uc0c1\uc2b9 \ub9ac\uc2a4\ud06c \ucc28\ub2e8<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud575\uc2ec\uc740 \ub2e8\uc21c \ube44\uad50\uac00 \uc544\ub2c8\ub77c <strong>\ubcf8\uc778\uc758 \uc18c\ub4dd + \ub300\ucd9c \uc804\ub7b5\uc5d0 \ub9de\uac8c \uc120\ud0dd\ud558\ub294 \uac83<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">LTV, DTI, DSR \uac1c\ub150 \uc27d\uac8c \uc815\ub9ac<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub300\ucd9c \ud55c\ub3c4\ub97c \uacb0\uc815\ud558\ub294 3\uac00\uc9c0 \ud575\uc2ec \uc9c0\ud45c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>LTV (\uc8fc\ud0dd\ub2f4\ubcf4\uc778\uc815\ube44\uc728):<\/strong> \uc9d1\uac12 \ub300\ube44 \ub300\ucd9c \ube44\uc728 (\uc608: 70%)<\/li>\n\n\n\n<li><strong>DTI (\ucd1d\ubd80\ucc44\uc0c1\ud658\ube44\uc728):<\/strong> \uc18c\ub4dd \ub300\ube44 \ub300\ucd9c \uc6d0\ub9ac\uae08 \ube44\uc728<\/li>\n\n\n\n<li><strong>DSR (\ucd1d\ubd80\ucc44\uc6d0\ub9ac\uae08\uc0c1\ud658\ube44\uc728):<\/strong> \ubaa8\ub4e0 \ubd80\ucc44 \ud3ec\ud568 \uc0c1\ud658 \ub2a5\ub825<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">2026\ub144 \uae30\uc900 \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 DSR\uc785\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c \uc8fc\ud0dd\ub300\ucd9c\uc774 \uc544\ub2c8\ub77c <strong>\uc2e0\uc6a9\ub300\ucd9c, \uc790\ub3d9\ucc28 \ud560\ubd80\uae4c\uc9c0 \ud3ec\ud568<\/strong>\ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc2e4\uc804 \uc804\ub7b5: \ub514\ub524\ub3cc \u2192 \ubcf4\uae08\uc790\ub9ac\ub860 \ud63c\ud569 \ubc29\ubc95<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-4-1-38-1024x576-optimized.webp\" alt=\"\" class=\"wp-image-201\" srcset=\"https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-4-1-38-1024x576-optimized.webp 1024w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-4-1-38-1024x576-optimized-300x169.webp 300w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-4-1-38-1024x576-optimized-768x432.webp 768w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-4-1-38-1024x576-optimized-640x360.webp 640w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\uae30\uc0ac \uc774\ud574\ub97c \ub3d5\uae30 \uc704\ud55c \uc774\ubbf8\uc9c0 = KBS<\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\uc2e4\uc81c \uc804\ubb38\uac00\ub4e4\uc774 \uac00\uc7a5 \ub9ce\uc774 \uc0ac\uc6a9\ud558\ub294 \ubc29\ubc95\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1\ub2e8\uacc4: \ub514\ub524\ub3cc \ub300\ucd9c \ucd5c\ub300 \ud65c\uc6a9<\/li>\n\n\n\n<li>2\ub2e8\uacc4: \ubd80\uc871 \uae08\uc561 \ubcf4\uae08\uc790\ub9ac\ub860\uc73c\ub85c \ubcf4\uc644<\/li>\n\n\n\n<li>3\ub2e8\uacc4: DSR \uad00\ub9ac\ub85c \ud55c\ub3c4 \uadf9\ub300\ud654<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \ubc29\uc2dd\uc740 \ub2e8\uc21c\ud788 \uae08\ub9ac\ub97c \ub0ae\ucd94\ub294 \uac83\uc774 \uc544\ub2c8\ub77c <strong>\ucd1d \uc0c1\ud658 \uae08\uc561 \uc790\uccb4\ub97c \uc904\uc774\ub294 \uc804\ub7b5<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uccad\uc57d \ud2b9\ubcc4\uacf5\uae09 \ud65c\uc6a9 \ubc29\ubc95<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2e0\ucd95 \uc544\ud30c\ud2b8\ub97c \ub178\ub9b0\ub2e4\uba74 \ubc18\ub4dc\uc2dc \uace0\ub824\ud574\uc57c \ud560 \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc0dd\uc560\ucd5c\ucd08 \ud2b9\ubcc4\uacf5\uae09 \ube44\uc728: 20~30%<\/li>\n\n\n\n<li>\uc77c\ubc18 \uccad\uc57d \ub300\ube44 \uacbd\uc7c1\ub960 \ub0ae\uc74c<\/li>\n\n\n\n<li>\ud63c\uc778, \uc790\ub140 \uc5ec\ubd80\uc5d0 \ub530\ub77c \uac00\uc810 \uc0c1\uc2b9<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uccad\uc57d\uc740 \ub2e8\uc21c \uc6b4\uc774 \uc544\ub2c8\ub77c <strong>\uc870\uac74 \uc124\uacc4 \uc2f8\uc6c0<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub300\ucd9c \ud55c\ub3c4 \ub192\uc774\ub294 \ud575\uc2ec \ubc29\ubc95<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uac04\uacfc\ud558\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2e0\uc6a9\uc810\uc218 \uc0ac\uc804 \uad00\ub9ac<\/li>\n\n\n\n<li>\uae30\uc874 \ub300\ucd9c \uc815\ub9ac<\/li>\n\n\n\n<li>\uce74\ub4dc \uc0ac\uc6a9 \ud328\ud134 \ucd5c\uc801\ud654<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2b9\ud788 DSR \uaddc\uc81c\uc5d0\uc11c\ub294 <strong>\uc0ac\uc18c\ud55c \ubd80\ucc44 \ud558\ub098\uac00 \uc218\ucc9c\ub9cc \uc6d0 \ucc28\uc774<\/strong>\ub97c \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">NOTECONMY \uc870\uc5b8 (\ud575\uc2ec \uc778\uc0ac\uc774\ud2b8)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2026\ub144 \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \u201c\uc0c1\ud488 \uc120\ud0dd\u201d\uc774 \uc544\ub2c8\ub77c <strong>\uad6c\uc870 \uc124\uacc4<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub514\ub524\ub3cc\uacfc \ubcf4\uae08\uc790\ub9ac\ub860\uc744 \ub2e8\uc21c \ube44\uad50\ud558\ub294 \uc811\uadfc\uc740 \ucd08\ubcf4\uc801\uc778 \ub2e8\uacc4\uc774\uba70, \uc2e4\uc81c\ub85c\ub294 \ub2e4\uc74c \uc694\uc18c\ub97c \ub3d9\uc2dc\uc5d0 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc18c\ub4dd \ub300\ube44 DSR \ucd5c\uc801\ud654<\/li>\n\n\n\n<li>\uae08\ub9ac \uc0ac\uc774\ud074 \ubd84\uc11d<\/li>\n\n\n\n<li>\uc790\uc0b0 \uc99d\uac00 \uc2dc\ub098\ub9ac\uc624 \uc124\uacc4<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2b9\ud788 40\ub300 \uc2e4\uc218\uc694\uc790\uc758 \uacbd\uc6b0 \ub2e8\uc21c\ud788 \uc9d1\uc744 \uc0ac\ub294 \uac83\uc774 \uc544\ub2c8\ub77c <strong>\ub178\ud6c4 \uc790\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc2dc\uc791\uc810<\/strong>\uc774\ub77c\ub294 \uad00\uc810\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uacb0\ub860\uc801\uc73c\ub85c, \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785\uc740 \u201c\uae30\ud68c\u201d\uac00 \uc544\ub2c8\ub77c <strong>\uc815\uad50\ud55c \uc804\ub7b5 \uac8c\uc784<\/strong>\uc785\ub2c8\ub2e4. \uc81c\ub300\ub85c \uc124\uacc4\ud558\uba74 \uc218\ucc9c\ub9cc \uc6d0\uc744 \uc808\uc57d\ud560 \uc218 \uc788\uc9c0\ub9cc, \ubc18\ub300\ub85c \uc811\uadfc\ud558\uba74 \uc7a5\uae30\uc801\uc778 \ubd80\ub2f4\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>2026 \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785, \ubc18\ub4dc\uc2dc \uc54c\uc544\uc57c \ud560 \ud575\uc2ec \uad6c\uc870 2026\ub144 \ud604\uc7ac, \uc815\ubd80\uc758 \uc8fc\ud0dd \uc815\ucc45\uc740 \ub2e8\uc21c\ud55c \uc9c0\uc6d0\uc744 \ub118\uc5b4 \uc2e4\uc9c8\uc801\uc778 \uc790\uc0b0 \ud615\uc131\uc758 \uae30\ud68c\ub85c \uc791\ub3d9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785\uc790\ub77c\uba74 \uc138\uae08, \ub300\ucd9c, \uccad\uc57d\uae4c\uc9c0 \ub3d9\uc2dc\uc5d0 \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \uad6c\uc870\uc774\uae30 \ub54c\ubb38\uc5d0 \uc804\ub7b5\uc801\uc73c\ub85c \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ub2e8\uc21c\ud788 \u201c\ub514\ub524\ub3cc vs \ubcf4\uae08\uc790\ub9ac\ub860\u201d \ube44\uad50\ub9cc \ubcf4\uace0 \uc120\ud0dd\ud558\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 LTV, DTI, DSR, \uc5f0\ubd09 \uc870\uac74\uc744 \uc885\ud569\uc801\uc73c\ub85c \ubd84\uc11d\ud574\uc57c \ucd5c\uc801\uc758 &#8230; <a title=\"2026 \ubcf4\uae08\uc790\ub9ac\ub860 \ub514\ub524\ub3cc \ucc28\uc774 \ubc29\ubc95 \ucd1d\uc815\ub9ac (LTV DTI DSR \uc5f0\ubd09 \uae30\uc900 \ud3ec\ud568)\" class=\"read-more\" href=\"https:\/\/noteconomy.com\/en\/2026-home-loan-didimdol-bogeumjari-method\/\" aria-label=\"Read more about 2026 \ubcf4\uae08\uc790\ub9ac\ub860 \ub514\ub524\ub3cc \ucc28\uc774 \ubc29\ubc95 \ucd1d\uc815\ub9ac (LTV DTI DSR \uc5f0\ubd09 \uae30\uc900 \ud3ec\ud568)\">Read more<\/a><\/p>","protected":false},"author":1,"featured_media":199,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[122],"tags":[119,118,117],"class_list":["post-197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy","tag-119","tag-118","tag-117"],"jetpack_featured_media_url":"https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/04\/Frame-1-1-42-1024x576-optimized.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/posts\/197","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/comments?post=197"}],"version-history":[{"count":1,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/posts\/197\/revisions"}],"predecessor-version":[{"id":202,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/posts\/197\/revisions\/202"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/media\/199"}],"wp:attachment":[{"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/media?parent=197"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/categories?post=197"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/tags?post=197"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}