{"id":129,"date":"2025-01-14T14:26:22","date_gmt":"2025-01-14T05:26:22","guid":{"rendered":"https:\/\/card.uni-jini.com\/?p=129"},"modified":"2025-02-13T12:37:08","modified_gmt":"2025-02-13T03:37:08","slug":"2025%eb%85%84-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8f%84%ec%83%81%ed%99%98%ec%88%98%ec%88%98%eb%a3%8c-50-%ec%9d%b8%ed%95%98-%ed%98%9c%ed%83%9d-%ed%95%9c%eb%88%88%ec%97%90-%ed%99%95%ec%9d%b8%ed%95%98","status":"publish","type":"post","link":"https:\/\/card.uni-jini.com\/2025%eb%85%84-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8f%84%ec%83%81%ed%99%98%ec%88%98%ec%88%98%eb%a3%8c-50-%ec%9d%b8%ed%95%98-%ed%98%9c%ed%83%9d-%ed%95%9c%eb%88%88%ec%97%90-%ed%99%95%ec%9d%b8%ed%95%98\/","title":{"rendered":"2025\ub144 \ub300\ucd9c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc 50% \uc778\ud558 \ud61c\ud0dd \ud55c\ub208\uc5d0 \ud655\uc778\ud558\uae30"},"content":{"rendered":"\n<p>2025\ub144\ubd80\ud130 \ub300\ucd9c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc\uac00 \uc808\ubc18\uc73c\ub85c \uc778\ud558\ub418\uc5b4 \uae08\uc735 \uc18c\ube44\uc790\uc758 \ubd80\ub2f4\uc774 \ud06c\uac8c \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uacfc \uc2e0\uc6a9\ub300\ucd9c\uc758 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uc728\uc774 \uae30\uc874 \ub300\ube44 50% \uc218\uc900\uc73c\ub85c \ub0ae\uc544\uc9c0\ub294 \uc774\ubc88 \ubcc0\uacbd\uc0ac\ud56d\uc744 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uace0, \uc2e4\uc9c8\uc801\uc778 \ud61c\ud0dd\uc744 \uacc4\uc0b0\ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div class=\"fee-changes\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_72 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\ubaa9\ucc28<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span 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href=\"https:\/\/card.uni-jini.com\/2025%eb%85%84-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8f%84%ec%83%81%ed%99%98%ec%88%98%ec%88%98%eb%a3%8c-50-%ec%9d%b8%ed%95%98-%ed%98%9c%ed%83%9d-%ed%95%9c%eb%88%88%ec%97%90-%ed%99%95%ec%9d%b8%ed%95%98\/#%EC%8B%A0%EC%9A%A9%EB%8C%80%EC%B6%9C_%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C_%EB%B3%80%EA%B2%BD\" title=\"\uc2e0\uc6a9\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \ubcc0\uacbd\">\uc2e0\uc6a9\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \ubcc0\uacbd<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/card.uni-jini.com\/2025%eb%85%84-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8f%84%ec%83%81%ed%99%98%ec%88%98%ec%88%98%eb%a3%8c-50-%ec%9d%b8%ed%95%98-%ed%98%9c%ed%83%9d-%ed%95%9c%eb%88%88%ec%97%90-%ed%99%95%ec%9d%b8%ed%95%98\/#%EB%8C%80%EC%B6%9C_%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98_%EC%88%98%EC%88%98%EB%A3%8C_%EA%B3%84%EC%82%B0_%EB%B0%A9%EB%B2%95\" title=\"\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc \uacc4\uc0b0 \ubc29\ubc95\">\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc \uacc4\uc0b0 \ubc29\ubc95<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/card.uni-jini.com\/2025%eb%85%84-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8f%84%ec%83%81%ed%99%98%ec%88%98%ec%88%98%eb%a3%8c-50-%ec%9d%b8%ed%95%98-%ed%98%9c%ed%83%9d-%ed%95%9c%eb%88%88%ec%97%90-%ed%99%95%ec%9d%b8%ed%95%98\/#%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C_%EA%B3%84%EC%82%B0%EB%B2%95\" title=\"\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uacc4\uc0b0\ubc95\">\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uacc4\uc0b0\ubc95<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/card.uni-jini.com\/2025%eb%85%84-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8f%84%ec%83%81%ed%99%98%ec%88%98%ec%88%98%eb%a3%8c-50-%ec%9d%b8%ed%95%98-%ed%98%9c%ed%83%9d-%ed%95%9c%eb%88%88%ec%97%90-%ed%99%95%ec%9d%b8%ed%95%98\/#%EB%8C%80%EC%B6%9C%EC%9D%B4%EC%9E%90_%EA%B3%84%EC%82%B0%EA%B8%B0\" title=\"\ub300\ucd9c\uc774\uc790 \uacc4\uc0b0\uae30\">\ub300\ucd9c\uc774\uc790 \uacc4\uc0b0\uae30<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/card.uni-jini.com\/2025%eb%85%84-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8f%84%ec%83%81%ed%99%98%ec%88%98%ec%88%98%eb%a3%8c-50-%ec%9d%b8%ed%95%98-%ed%98%9c%ed%83%9d-%ed%95%9c%eb%88%88%ec%97%90-%ed%99%95%ec%9d%b8%ed%95%98\/#%EC%83%81%ED%99%98_%EA%B3%84%ED%9A%8D\" title=\"\uc0c1\ud658 \uacc4\ud68d\">\uc0c1\ud658 \uacc4\ud68d<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/card.uni-jini.com\/2025%eb%85%84-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8f%84%ec%83%81%ed%99%98%ec%88%98%ec%88%98%eb%a3%8c-50-%ec%9d%b8%ed%95%98-%ed%98%9c%ed%83%9d-%ed%95%9c%eb%88%88%ec%97%90-%ed%99%95%ec%9d%b8%ed%95%98\/#%EB%8C%80%EC%B6%9C_%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%8B%9C_%EC%B2%B4%ED%81%AC_%ED%8F%AC%EC%9D%B8%ED%8A%B8\" title=\"\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658\uc2dc \uccb4\ud06c \ud3ec\uc778\ud2b8\">\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658\uc2dc \uccb4\ud06c \ud3ec\uc778\ud2b8<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/card.uni-jini.com\/2025%eb%85%84-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8f%84%ec%83%81%ed%99%98%ec%88%98%ec%88%98%eb%a3%8c-50-%ec%9d%b8%ed%95%98-%ed%98%9c%ed%83%9d-%ed%95%9c%eb%88%88%ec%97%90-%ed%99%95%ec%9d%b8%ed%95%98\/#%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98_%EC%8B%9C_%EC%B2%B4%ED%81%AC%ED%8F%AC%EC%9D%B8%ED%8A%B8\" title=\"\uc911\ub3c4\uc0c1\ud658 \uc2dc \uccb4\ud06c\ud3ec\uc778\ud2b8\">\uc911\ub3c4\uc0c1\ud658 \uc2dc \uccb4\ud06c\ud3ec\uc778\ud2b8<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C_%EB%B3%80%EA%B2%BD_%ED%95%B5%EC%8B%AC%EC%82%AC%ED%95%AD\"><\/span>\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \ubcc0\uacbd \ud575\uc2ec\uc0ac\ud56d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table class=\"comparison-table\">\n<tbody><tr>\n<th>\uad6c\ubd84<\/th>\n<th>\uae30\uc874<\/th>\n<th>\ubcc0\uacbd<\/th>\n<\/tr>\n<tr>\n<td>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/td>\n<td>1.2~1.4%<\/td>\n<td>0.6~0.8%<\/td>\n<\/tr>\n<tr>\n<td>\uc2e0\uc6a9\ub300\ucd9c<\/td>\n<td>0.6~0.8%<\/td>\n<td>0.3~0.4%<\/td>\n<\/tr>\n<tr>\n<td>\uc801\uc6a9\uc2dc\uc810<\/td>\n<td colspan=\"2\">2025\ub144 1\uc6d4 13\uc77c \uc774\ud6c4 \uc2e0\uaddc \ub300\ucd9c<\/td>\n<\/tr>\n<\/tbody><\/table>\n<\/div>\n\n\n\n<p><br><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75 has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link has-base-3-color has-vivid-cyan-blue-to-vivid-purple-gradient-background has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.fss.or.kr\/fss\/bbs\/B0000188\/view.do?nttId=189693&amp;menuNo=200218\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uac10\ub3c5\uc6d0 \ubcf4\ub3c4\uc790\ub8cc \ud655\uc778\ud558\uae30<\/a><\/div>\n<\/div>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98_%EC%88%98%EC%88%98%EB%A3%8C_%EC%9C%A0%ED%98%95%EB%B3%84_%EB%B3%80%EA%B2%BD%EC%82%AC%ED%95%AD\"><\/span>\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc \uc720\ud615\ubcc4 \ubcc0\uacbd\uc0ac\ud56d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"loan-details\">\n<h3><span class=\"ez-toc-section\" id=\"%EC%A3%BC%ED%83%9D%EB%8B%B4%EB%B3%B4%EB%8C%80%EC%B6%9C_%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C_%EB%B3%80%EA%B2%BD\"><\/span>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \ubcc0\uacbd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"mortgage-info\">\n<ul>\n<li>\ubcc0\uacbd \uc804: 1.2~1.4% \u2192 \ubcc0\uacbd \ud6c4: 0.6~0.8%<\/li>\n<li>\uc801\uc6a9 \ub300\uc0c1: \uc2e0\uaddc \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/li>\n<li>\uc801\uc6a9 \uc2dc\uc810: 2025\ub144 1\uc6d4 13\uc77c\ubd80\ud130<\/li>\n<li>\uae30\uc874 \ub300\ucd9c\uc740 \uacc4\uc57d \ub2f9\uc2dc \uc694\uc728 \uc720\uc9c0<\/li>\n<\/ul><\/div>\n<h3><span class=\"ez-toc-section\" id=\"%EC%8B%A0%EC%9A%A9%EB%8C%80%EC%B6%9C_%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C_%EB%B3%80%EA%B2%BD\"><\/span>\uc2e0\uc6a9\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \ubcc0\uacbd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"credit-info\">\n<ul>\n<li>\ubcc0\uacbd \uc804: 0.6~0.8% \u2192 \ubcc0\uacbd \ud6c4: 0.3~0.4%<\/li>\n<li>\uc801\uc6a9 \ub300\uc0c1: \uc2e0\uaddc \uc2e0\uc6a9\ub300\ucd9c<\/li>\n<li>\uc801\uc6a9 \uc2dc\uc810: 2025\ub144 1\uc6d4 13\uc77c\ubd80\ud130<\/li>\n<li>\uae30\uc874 \ub300\ucd9c\uc740 \uacc4\uc57d \ub2f9\uc2dc \uc694\uc728 \uc720\uc9c0<\/li>\n<\/ul><\/div>\n<\/div>\n\n\n\n<p><br><\/p>\n\n\n<div>\n<center>\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-1603134667260005\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- \uc6cc\ud504_\ub514\ud50c\uc0ac\uac01\ubc18\uc751\ud615_\uae00 \uc911\uac041 -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-1603134667260005\"\n     data-ad-slot=\"4246254425\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n<\/center>\n<\/div>\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98_%EC%88%98%EC%88%98%EB%A3%8C_%EA%B3%84%EC%82%B0_%EB%B0%A9%EB%B2%95\"><\/span>\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc \uacc4\uc0b0 \ubc29\ubc95<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"calculation-guide\">\n<h3><span class=\"ez-toc-section\" id=\"%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C_%EA%B3%84%EC%82%B0%EB%B2%95\"><\/span>\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uacc4\uc0b0\ubc95<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"calculation-formula\">\n<h4>\uacc4\uc0b0\uc2dd<\/h4>\n<p>\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc = \uc911\ub3c4\uc0c1\ud658\uae08\uc561 \u00d7 \uc218\uc218\ub8cc\uc728 \u00d7 \uc794\uc874\uae30\uac04\ubcc4 \ucc28\ub4f1\ub960<\/p>\n<p><\/p><\/div>\n<div class=\"important-notice\">\n<h4>\u26a0\ufe0f \uc8fc\uc758\uc0ac\ud56d<\/h4>\n<ul>\n<li>\ub300\ucd9c \uc2e4\ud589 \ud6c4 3\ub144 \uc774\ub0b4 \uc0c1\ud658 \uc2dc \uc801\uc6a9<\/li>\n<li>\ubd80\ubd84 \uc0c1\ud658 \uc2dc\uc5d0\ub3c4 \ub3d9\uc77c\ud55c \uc218\uc218\ub8cc\uc728 \uc801\uc6a9<\/li>\n<li>\uc794\uc874\uae30\uac04\uc5d0 \ub530\ub77c \ucc28\ub4f1 \uc801\uc6a9\ub420 \uc218 \uc788\uc74c<\/li>\n<\/ul><\/div>\n<\/div>\n\n\n\n<p><br><\/p>\n\n\n<div>\n<center>\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-1603134667260005\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- \uc6cc\ud504_\ub514\ud50c\uc218\ud3c9\ubc18\uc751\ud615_\uae00\uc911\uac042 -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-1603134667260005\"\n     data-ad-slot=\"7691804713\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n<\/center>\n<\/div>\n\n\n<p><br><\/p>\n\n\n\n<p>\ub300\ucd9c \uc774\uc790 \uacc4\uc0b0 \uba3c\uc800 \ud574\ubcf4\uae30<\/p>\n<!DOCTYPE html>\n<html lang=\"ko\">\n<head>\n    <meta charset=\"UTF-8\">\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n    <title>\ub300\ucd9c\uc774\uc790 \uacc4\uc0b0\uae30<\/title>\n    <style>\n        body {\n            font-family: 'Noto Sans KR', sans-serif;\n            max-width: 800px;\n            margin: 0 auto;\n            padding: 20px;\n            background: #f5f5f5;\n        }\n\n        .calculator-container {\n            background: white;\n            padding: 30px;\n            border-radius: 10px;\n            box-shadow: 0 2px 10px rgba(0,0,0,0.1);\n        }\n\n        .input-group {\n            margin-bottom: 20px;\n        }\n\n        label {\n            display: block;\n            margin-bottom: 5px;\n            font-weight: bold;\n            color: #333;\n        }\n\n        input {\n            width: 100%;\n            padding: 10px;\n            border: 1px solid #ddd;\n            border-radius: 5px;\n            font-size: 16px;\n            box-sizing: border-box;\n        }\n\n        select {\n            width: 100%;\n            padding: 10px;\n            border: 1px solid #ddd;\n            border-radius: 5px;\n            font-size: 16px;\n        }\n\n        button {\n            background: #007bff;\n            color: white;\n            border: none;\n            padding: 12px 20px;\n            border-radius: 5px;\n            cursor: pointer;\n            width: 100%;\n            font-size: 16px;\n            margin-top: 20px;\n        }\n\n        button:hover {\n            background: #0056b3;\n        }\n\n        .result {\n            margin-top: 30px;\n            padding: 20px;\n            background: #f8f9fa;\n            border-radius: 5px;\n            display: none;\n        }\n\n        .result h3 {\n            margin-top: 0;\n            color: #007bff;\n        }\n\n        table {\n            width: 100%;\n            border-collapse: collapse;\n            margin-top: 20px;\n        }\n\n        th, td {\n            border: 1px solid #ddd;\n            padding: 10px;\n            text-align: left;\n        }\n\n        th {\n            background: #f1f1f1;\n        }\n    <\/style>\n<\/head>\n<body>\n    <div class=\"calculator-container\">\n        <h2><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C%EC%9D%B4%EC%9E%90_%EA%B3%84%EC%82%B0%EA%B8%B0\"><\/span>\ub300\ucd9c\uc774\uc790 \uacc4\uc0b0\uae30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        \n        <div class=\"input-group\">\n            <label for=\"loanAmount\">\ub300\ucd9c\uae08\uc561 (\uc6d0)<\/label>\n            <input type=\"number\" id=\"loanAmount\" placeholder=\"\ub300\ucd9c\uae08\uc561\uc744 \uc785\ub825\ud558\uc138\uc694\">\n        <\/div>\n\n        <div class=\"input-group\">\n            <label for=\"interestRate\">\uc5f0\uc774\uc790\uc728 (%)<\/label>\n            <input type=\"number\" id=\"interestRate\" step=\"0.1\" placeholder=\"\uc5f0\uc774\uc790\uc728\uc744 \uc785\ub825\ud558\uc138\uc694\">\n        <\/div>\n\n        <div class=\"input-group\">\n            <label for=\"loanTerm\">\ub300\ucd9c\uae30\uac04<\/label>\n            <select id=\"loanTerm\">\n                <option value=\"12\">1\ub144<\/option>\n                <option value=\"24\">2\ub144<\/option>\n                <option value=\"36\">3\ub144<\/option>\n                <option value=\"60\">5\ub144<\/option>\n                <option value=\"120\">10\ub144<\/option>\n                <option value=\"180\">15\ub144<\/option>\n                <option value=\"240\">20\ub144<\/option>\n                <option value=\"360\">30\ub144<\/option>\n            <\/select>\n        <\/div>\n\n        <div class=\"input-group\">\n            <label for=\"repaymentType\">\uc0c1\ud658\ubc29\uc2dd<\/label>\n            <select id=\"repaymentType\">\n                <option value=\"equal\">\uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658<\/option>\n                <option value=\"fixed\">\uc6d0\uae08\uade0\ub4f1\uc0c1\ud658<\/option>\n                <option value=\"bullet\">\ub9cc\uae30\uc77c\uc2dc\uc0c1\ud658<\/option>\n            <\/select>\n        <\/div>\n\n        <button onclick=\"calculateLoan()\">\uacc4\uc0b0\ud558\uae30<\/button>\n\n        <div class=\"result\" id=\"result\">\n            <h3><span class=\"ez-toc-section\" id=\"%EC%83%81%ED%99%98_%EA%B3%84%ED%9A%8D\"><\/span>\uc0c1\ud658 \uacc4\ud68d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n            <div id=\"summary\"><\/div>\n            <table id=\"repaymentSchedule\">\n                <thead>\n                    <tr>\n                        <th>\ud68c\ucc28<\/th>\n                        <th>\uc6d4\ub0a9\uc785\uae08<\/th>\n                        <th>\uc6d0\uae08<\/th>\n                        <th>\uc774\uc790<\/th>\n                        <th>\uc794\uc561<\/th>\n                    <\/tr>\n                <\/thead>\n                <tbody><\/tbody>\n            <\/table>\n        <\/div>\n    <\/div>\n\n    <script>\n        function calculateLoan() {\n            const loanAmount = parseFloat(document.getElementById('loanAmount').value);\n            const annualRate = parseFloat(document.getElementById('interestRate').value) \/ 100;\n            const monthlyRate = annualRate \/ 12;\n            const months = parseInt(document.getElementById('loanTerm').value);\n            const repaymentType = document.getElementById('repaymentType').value;\n\n            let monthlyPayment = 0;\n            let totalInterest = 0;\n            let schedule = [];\n\n            if (repaymentType === 'equal') {\n                \/\/ \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658\n                monthlyPayment = loanAmount * monthlyRate * Math.pow(1 + monthlyRate, months) \n                                \/ (Math.pow(1 + monthlyRate, months) - 1);\n\n                let balance = loanAmount;\n                for (let i = 1; i <= months; i++) {\n                    const interest = balance * monthlyRate;\n                    const principal = monthlyPayment - interest;\n                    balance -= principal;\n                    totalInterest += interest;\n\n                    schedule.push({\n                        payment: monthlyPayment,\n                        principal: principal,\n                        interest: interest,\n                        balance: Math.max(0, balance)\n                    });\n                }\n            } else if (repaymentType === 'fixed') {\n                \/\/ \uc6d0\uae08\uade0\ub4f1\uc0c1\ud658\n                const monthlyPrincipal = loanAmount \/ months;\n                let balance = loanAmount;\n\n                for (let i = 1; i <= months; i++) {\n                    const interest = balance * monthlyRate;\n                    balance -= monthlyPrincipal;\n                    totalInterest += interest;\n\n                    schedule.push({\n                        payment: monthlyPrincipal + interest,\n                        principal: monthlyPrincipal,\n                        interest: interest,\n                        balance: Math.max(0, balance)\n                    });\n                }\n            } else {\n                \/\/ \ub9cc\uae30\uc77c\uc2dc\uc0c1\ud658\n                const monthlyInterest = loanAmount * monthlyRate;\n                totalInterest = monthlyInterest * months;\n\n                for (let i = 1; i <= months; i++) {\n                    const payment = i === months ? loanAmount + monthlyInterest : monthlyInterest;\n                    const principal = i === months ? loanAmount : 0;\n\n                    schedule.push({\n                        payment: payment,\n                        principal: principal,\n                        interest: monthlyInterest,\n                        balance: i === months ? 0 : loanAmount\n                    });\n                }\n            }\n\n            displayResults(schedule, totalInterest);\n        }\n\n        function displayResults(schedule, totalInterest) {\n            const resultDiv = document.getElementById('result');\n            const summaryDiv = document.getElementById('summary');\n            const tableBody = document.querySelector('#repaymentSchedule tbody');\n\n            resultDiv.style.display = 'block';\n            \n            \/\/ \uc694\uc57d \uc815\ubcf4 \ud45c\uc2dc\n            summaryDiv.innerHTML = `\n                <p>\ucd1d \ub300\ucd9c\uae08\uc561: ${formatNumber(parseFloat(document.getElementById('loanAmount').value))}\uc6d0<\/p>\n                <p>\ucd1d \uc774\uc790\uae08\uc561: ${formatNumber(totalInterest)}\uc6d0<\/p>\n                <p>\ucd1d \uc0c1\ud658\uae08\uc561: ${formatNumber(parseFloat(document.getElementById('loanAmount').value) + totalInterest)}\uc6d0<\/p>\n            `;\n\n            \/\/ \uc0c1\ud658 \uc2a4\ucf00\uc904 \ud45c\uc2dc\n            tableBody.innerHTML = '';\n            schedule.forEach((month, index) => {\n                const row = tableBody.insertRow();\n                row.innerHTML = `\n                    <td>${index + 1}<\/td>\n                    <td>${formatNumber(month.payment)}<\/td>\n                    <td>${formatNumber(month.principal)}<\/td>\n                    <td>${formatNumber(month.interest)}<\/td>\n                    <td>${formatNumber(month.balance)}<\/td>\n                `;\n            });\n        }\n\n        function formatNumber(num) {\n            return Math.round(num).toLocaleString();\n        }\n    <\/script>\n<\/body>\n<\/html>\n\n\n\n<p><br><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%8C%80%EC%B6%9C_%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%8B%9C_%EC%B2%B4%ED%81%AC_%ED%8F%AC%EC%9D%B8%ED%8A%B8\"><\/span>\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658\uc2dc \uccb4\ud06c \ud3ec\uc778\ud2b8<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"consumer-guide\">\n<h3><span class=\"ez-toc-section\" id=\"%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98_%EC%8B%9C_%EC%B2%B4%ED%81%AC%ED%8F%AC%EC%9D%B8%ED%8A%B8\"><\/span>\uc911\ub3c4\uc0c1\ud658 \uc2dc \uccb4\ud06c\ud3ec\uc778\ud2b8<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"checklist\">\n<ol>\n<li>\ub300\ucd9c \uacc4\uc57d\uc77c \ud655\uc778\n<ul>\n<li>2025\ub144 1\uc6d4 13\uc77c \uc804\ud6c4 \uad6c\ubd84<\/li>\n<li>\uae30\uc874 \ub300\ucd9c\uacfc \uc2e0\uaddc \ub300\ucd9c\uc758 \uc218\uc218\ub8cc\uc728 \ucc28\uc774 \ud655\uc778<\/li>\n<\/ul>\n<\/li>\n<li>\uc911\ub3c4\uc0c1\ud658 \uacc4\ud68d \uc218\ub9bd\n<ul>\n<li>\uc0c1\ud658 \uc2dc\uae30\uc5d0 \ub530\ub978 \uc218\uc218\ub8cc \uacc4\uc0b0<\/li>\n<li>\ubd84\ud560 \uc0c1\ud658\uacfc \uc77c\uc2dc \uc0c1\ud658\uc758 \ube44\uc6a9 \ube44\uad50<\/li>\n<\/ul>\n<\/li>\n<li>\uc740\ud589\ubcc4 \uc218\uc218\ub8cc\uc728 \ube44\uad50\n<ul>\n<li>\uc740\ud589\ub9c8\ub2e4 \ub2e4\ub978 \uc218\uc218\ub8cc\uc728 \ud655\uc778<\/li>\n<li>\ucd5c\uc800 \uc218\uc218\ub8cc\uc728 \uc81c\uacf5 \uc740\ud589 \ud0d0\uc0c9<\/li>\n<\/ul>\n<\/li>\n<\/ol><\/div>\n<\/div>\n\n\n\n<p><br><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75 has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link has-base-3-color has-vivid-cyan-blue-to-vivid-purple-gradient-background has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.fss.or.kr\/ichat_fss\/chatbot.do\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uac10\ub3c5\uc6d0 \ubbfc\uc6d0 \uc0c1\ub2f4\ud558\uae30<\/a><\/div>\n<\/div>\n\n\n\n<p><br><\/p>\n\n\n\n<p><br>2025\ub144 1\uc6d4 13\uc77c\ubd80\ud130 \uc2dc\ud589\ub418\ub294 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uc778\ud558\ub294 \uae08\uc735\uc18c\ube44\uc790\uc758 \uc774\uc790 \ubd80\ub2f4\uc744 \ud06c\uac8c \uc904\uc5ec\uc904 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud2b9\ud788 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uacfc \uc2e0\uc6a9\ub300\ucd9c\uc758 \uc218\uc218\ub8cc\uc728\uc774 \uc808\ubc18 \uc218\uc900\uc73c\ub85c \ub0ae\uc544\uc838, \ub300\ucd9c \uc0c1\ud658 \uacc4\ud68d \uc218\ub9bd\uc774 \ud55c\uacb0 \uc6a9\uc774\ud574\uc9c8 \uac83\uc785\ub2c8\ub2e4. \uc0c8\ub85c\uc6b4 \uc81c\ub3c4\ub97c \uc798 \ud65c\uc6a9\ud558\uc5ec \ud6a8\uc728\uc801\uc778 \ub300\ucd9c \uad00\ub9ac\ub97c \ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025\ub144\ubd80\ud130 \ub300\ucd9c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc\uac00 \uc808\ubc18\uc73c\ub85c \uc778\ud558\ub418\uc5b4 \uae08\uc735 \uc18c\ube44\uc790\uc758 \ubd80\ub2f4\uc774 \ud06c\uac8c \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uacfc \uc2e0\uc6a9\ub300\ucd9c\uc758 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uc728\uc774 \uae30\uc874 \ub300\ube44 50% \uc218\uc900\uc73c\ub85c \ub0ae\uc544\uc9c0\ub294 \uc774\ubc88 \ubcc0\uacbd\uc0ac\ud56d\uc744 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uace0, \uc2e4\uc9c8\uc801\uc778 \ud61c\ud0dd\uc744 \uacc4\uc0b0\ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \ubcc0\uacbd \ud575\uc2ec\uc0ac\ud56d \uad6c\ubd84 \uae30\uc874 \ubcc0\uacbd \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c 1.2~1.4% 0.6~0.8% \uc2e0\uc6a9\ub300\ucd9c 0.6~0.8% 0.3~0.4% \uc801\uc6a9\uc2dc\uc810 2025\ub144 1\uc6d4 13\uc77c \uc774\ud6c4 \uc2e0\uaddc \ub300\ucd9c \ub300\ucd9c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc \uc720\ud615\ubcc4 \ubcc0\uacbd\uc0ac\ud56d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \ubcc0\uacbd \ubcc0\uacbd &#8230; <a title=\"2025\ub144 \ub300\ucd9c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc 50% \uc778\ud558 \ud61c\ud0dd \ud55c\ub208\uc5d0 \ud655\uc778\ud558\uae30\" class=\"read-more\" href=\"https:\/\/card.uni-jini.com\/2025%eb%85%84-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8f%84%ec%83%81%ed%99%98%ec%88%98%ec%88%98%eb%a3%8c-50-%ec%9d%b8%ed%95%98-%ed%98%9c%ed%83%9d-%ed%95%9c%eb%88%88%ec%97%90-%ed%99%95%ec%9d%b8%ed%95%98\/\" aria-label=\"Read more about 2025\ub144 \ub300\ucd9c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc 50% \uc778\ud558 \ud61c\ud0dd \ud55c\ub208\uc5d0 \ud655\uc778\ud558\uae30\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[36,38,33,37,35,34,32],"class_list":["post-129","post","type-post","status-publish","format-standard","hentry","category-45","tag-36","tag-38","tag-33","tag-37","tag-35","tag-34","tag-32"],"_links":{"self":[{"href":"https:\/\/card.uni-jini.com\/wp-json\/wp\/v2\/posts\/129","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/card.uni-jini.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/card.uni-jini.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/card.uni-jini.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/card.uni-jini.com\/wp-json\/wp\/v2\/comments?post=129"}],"version-history":[{"count":6,"href":"https:\/\/card.uni-jini.com\/wp-json\/wp\/v2\/posts\/129\/revisions"}],"predecessor-version":[{"id":163,"href":"https:\/\/card.uni-jini.com\/wp-json\/wp\/v2\/posts\/129\/revisions\/163"}],"wp:attachment":[{"href":"https:\/\/card.uni-jini.com\/wp-json\/wp\/v2\/media?parent=129"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/card.uni-jini.com\/wp-json\/wp\/v2\/categories?post=129"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/card.uni-jini.com\/wp-json\/wp\/v2\/tags?post=129"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}