8

6

5
߶ ε & ҽ
εҽ
ڴܼҽ
߰ Ģ(2017.7.31. )

-߰Ȯμİ?
๰dz迩ι׳ɷȮڡ
I߶쵿,߳ۿȹȾƴ̴.
ش๰ ϿǾִ³ۼ
3,198  385, Ӵ
ش系̾ٸ, ش ۼ
1,217,ο1,039,ֻ495ΰȹϰִ.
๰忡ǥǴ¡ɷ¡
s(߳), ߾Ӽ(), 6ȣ(߳ ) Ʈ
2017.1.20.İ㰡,߰ϴ°ǹǷ,
Q̸Ǿ, Ϻ΁Aο õAӵη
μ»شǥɰο
Idzϴ¶پAοȴ.
~ ߶ ~
5γ,ູð
R ̴. ü ְ
()
400%,ְ25̸,ֻǰ۹ݻ
߶߳οġ̴.
ο500%ְ40̿ȹ̼Ⱥ
̸()տΰִٴ¶̴.
̴.
()Ͽ򿡴¸־.
Ÿ̸,սʸĔ缱
Ǹ񵿟۴´ñ???κ
QϿɸ½ÁA35,ûŸ40
ȴ.衯¸߽̾ɺΔŰ°κƸ
ɸ.
۴뿡¸ε峪¹־ִٰ.
,÷ܱġɿǵǾR
⿡̶̴.
ðָȴ.
-ڱ迵(ݶ߰繫Ҵǥ)-
-ô⵵ւָ鿡
-1895(32)23ǽ÷γθ()?
8.2. εå
ϰ?񸮵κ
82οεȭر,û,
-1914񸮿;ւ츮ȲۺθϿ⵵
簳߱ǻΟHεåǥϿϴ.
炒񸮷κ
8.2.εåũԳ̵ǰִºΔ̹ٷδt
-1949⼭IƯü
ȭԴϴ.
-1963⼭IƯõ빮
LTV(ô㺸t) DRI(Ѻä
-1988⼭IƯ߶߼߶
Q)t60~50%̾,̹åǥĺ
δt40%
߶ֹεαȲ
ҵǾϴ.
(:2017 8)
,ּ60%̻ڱϰ־ô㺸t

޾Ƽִٴ¶Դϴ.

ڱ




()
׷,̷Դtȭϴ°͟۱?
񺻵
36,263
18,139
18,124
17,320
75
tȭϴ°tǺ극ũ
26,897
13,518
13,379
12,199
9
2
°Դϴ.
3.8
27,460
13,758
13,702
12,561
36
'̿->ɸȭ->t->

'ǾǼQڴٴԴϴ.
21,386
10,598
10,788
9,609 -
40
4
10,416
5,333
5,083
4,704 -
6
,ΰǼڿؼ10%ȭְ(ǰ
5
LTV50%),úڿ10%ȭ(ǰ
22,587
11,238
11,349
10,123
4
7
LTV30%)ϴ½ϸ,ؼ1
25,839
12,656
13,183
9,992
20
1
1tؼlj並
18,479
9,181
9,298
9,703 -
22
2
ڴٴ°Դϴ.
21,070
10,450
10,620
8,733
25
ȭ1
δ̹åǥ̾ε⸦ڴٰؼ
ȭ2
28,089
14,535
13,554
14,075
10
̶ϴµ,dzȿΟϿ׿
35,942
17,572
18,370
14,049
107
1
ʰ Ǽڵ ε
2
20,180
10,010
10,170
8,996
29
ָǴ»ȲԴϴ.
32,362
16,357
16,005
14,786
7

ְŝپ å ÿ̶
3
18,588
9,316
9,272
8,430 -
3
ϴ,׾ٺε괺ḬԵǴ°Ͱϴ.
41,729
20,458
21,271
14,443
13
߳1
-̻(Z߰繫Ҵǥ)-
߳2
23,159
11,232
11,927
9,037 -
12

6



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