{"id":357,"date":"2026-04-05T02:05:34","date_gmt":"2026-04-05T02:05:34","guid":{"rendered":"https:\/\/uribank.com\/wordpress1\/2026\/04\/05\/cash-out-refinance-qualification-requirements-ko-us\/"},"modified":"2026-04-05T02:05:34","modified_gmt":"2026-04-05T02:05:34","slug":"cash-out-refinance-qualification-requirements-ko-us","status":"publish","type":"post","link":"http:\/\/uribank.com\/wordpress1\/2026\/04\/05\/cash-out-refinance-qualification-requirements-ko-us\/","title":{"rendered":"\ud604\uae08\uc778\ucd9c \uc7ac\uc735\uc790 \uc790\uaca9 \uc694\uac74, \uc5b4\ub514\uae4c\uc9c0 \ubcf4\ub098"},"content":{"rendered":"

\uc9d1\uac12\uc774 \uc62c\ub790\ub2e4\uace0 \ud574\uc11c \ub204\uad6c\ub098 \uc6d0\ud558\ub294 \ub9cc\ud07c \ud604\uae08\uc744 \uaebc\ub0bc \uc218 \uc788\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc2e4\uc81c \uc0c1\ub2f4\uc5d0\uc11c \uac00\uc7a5 \ub9ce\uc774 \ub098\uc624\ub294 \uc9c8\ubb38\ub3c4 \uae08\ub9ac\ubcf4\ub2e4 \uba3c\uc800, \ud604\uae08\uc778\ucd9c \uc7ac\uc735\uc790 \uc790\uaca9 \uc694\uac74\uc774 \ub0b4\uac00 \uc9c0\uae08 \uac00\ub2a5\ud55c \uc218\uc900\uc778\uc9c0\uc5d0 \uad00\ud55c \uac83\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc790\uc601\uc5c5\uc790, \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ubcf4\uc720\uc790, \ucd5c\uadfc \uc18c\ub4dd \uad6c\uc870\uac00 \ubc14\ub010 \ubd84\ub4e4\uc740 \uc740\ud589 \uae30\uc900\ub9cc \ubcf4\uace0 \ud310\ub2e8\ud588\ub2e4\uac00 \uc2dc\uac04\uc744 \ub193\uce58\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud604\uae08\uc778\ucd9c \uc7ac\uc735\uc790\ub294 \ud604\uc7ac \ubcf4\uc720\ud55c \uc8fc\ud0dd\uc758 \uc5d0\ud034\ud2f0\ub97c \ud65c\uc6a9\ud574 \uae30\uc874 \ubaa8\uae30\uc9c0\ub97c \uc0c8 \ub300\ucd9c\ub85c \uac08\uc544\ud0c0\uba74\uc11c \ucc28\uc561\uc744 \ud604\uae08\uc73c\ub85c \ubc1b\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc6a9\ub3c4\ub294 \ub2e4\uc591\ud569\ub2c8\ub2e4. \uace0\uae08\ub9ac \ubd80\ucc44 \uc815\ub9ac, \uc0ac\uc5c5 \uc6b4\uc601\uc790\uae08, \ub9ac\ubaa8\ub378\ub9c1, \ud22c\uc790\uc790\uae08 \ud655\ubcf4, \ud559\uc790\uae08, \ube44\uc0c1\uc790\uae08 \uc900\ube44\uae4c\uc9c0 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub2e4\ub9cc \uc2b9\uc778 \uae30\uc900\uc740 \ub2e8\uc21c\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub80c\ub354\ub294 \uc9d1\uac12\ub9cc \ubcf4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ucc28\uc8fc\uc758 \uc0c1\ud658\ub2a5\ub825\uacfc \ub2f4\ubcf4\uc758 \uc548\uc815\uc131\uc744 \ud568\uaed8 \ubd05\ub2c8\ub2e4.<\/p>\n

\ud604\uae08\uc778\ucd9c \uc7ac\uc735\uc790 \uc790\uaca9 \uc694\uac74\uc758 \ud575\uc2ec 5\uac00\uc9c0<\/h2>\n

\uac00\uc7a5 \uba3c\uc800 \ubcf4\ub294 \uac83\uc740 \uc5d0\ud034\ud2f0\uc785\ub2c8\ub2e4. \uc27d\uac8c \ub9d0\ud574 \uc9d1\uac12 \ub300\ube44 \uc5bc\ub9c8\ub098 \ucda9\ubd84\ud55c \uc9c0\ubd84\uc774 \ub0a8\uc544 \uc788\ub294\uc9c0\uac00 \uc911\uc694\ud569\ub2c8\ub2e4. \ud604\uae08\uc778\ucd9c \uc7ac\uc735\uc790\ub294 \uc77c\ubc18\uc801\uc778 rate-and-term refinance\ubcf4\ub2e4 \ub2f4\ubcf4 \ub9ac\uc2a4\ud06c\uac00 \ub192\ub2e4\uace0 \ubcf4\uae30 \ub54c\ubb38\uc5d0, \ub80c\ub354\ub294 \uc77c\uc815 \uc218\uc900 \uc774\uc0c1\uc758 \uc5d0\ud034\ud2f0\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4. \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub530\ub77c \ucc28\uc774\uac00 \uc788\uc9c0\ub9cc \ubcf4\ud1b5 \uc8fc\uac70\uc6a9 1\uc8fc\ud0dd\uc774 \uac00\uc7a5 \uc720\ub9ac\ud558\uace0, \uc138\ucee8\ub4dc\ud648\uc774\ub098 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc740 \ud5c8\uc6a9 LTV\uac00 \ub354 \ub0ae\uc544\uc9c0\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub450 \ubc88\uc9f8\ub294 \uc2e0\uc6a9\uc810\uc218\uc785\ub2c8\ub2e4. \uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uc744\uc218\ub85d \uc2b9\uc778 \uac00\ub2a5\uc131\uacfc \uc870\uac74\uc774 \uc88b\uc544\uc9c8 \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4. \ubc18\ub300\ub85c \ucd5c\uadfc \uc5f0\uccb4, \uce74\ub4dc \uc0ac\uc6a9\ub960 \uae09\uc99d, \ub300\ucd9c \ub2e4\uc911 \uc870\ud68c, \ud30c\uc0b0\uc774\ub098 foreclosure \uc774\ub825\uc774 \uc788\uc73c\uba74 \uc2ec\uc0ac\uac00 \uae4c\ub2e4\ub85c\uc6cc\uc9d1\ub2c8\ub2e4. \uc810\uc218\uac00 \uc544\uc8fc \ub192\uc544\uc57c\ub9cc \uac00\ub2a5\ud55c \uac83\uc740 \uc544\ub2c8\uc9c0\ub9cc, \ud604\uae08\uc778\ucd9c \uc7ac\uc735\uc790\ub294 \ub80c\ub354 \uc785\uc7a5\uc5d0\uc11c \ubcf4\uc218\uc801\uc73c\ub85c \ubcf4\ub294 \uc0c1\ud488\uc774\uae30 \ub54c\ubb38\uc5d0 rate-and-term\ubcf4\ub2e4 \uae30\uc900\uc774 \ub354 \uc5c4\uaca9\ud55c \ud3b8\uc785\ub2c8\ub2e4.<\/p>\n

\uc138 \ubc88\uc9f8\ub294 \uc18c\ub4dd\uacfc \uace0\uc6a9 \uc548\uc815\uc131\uc785\ub2c8\ub2e4. W-2 \uc9c1\uc7a5\uc778\uc740 \uae09\uc5ec\uba85\uc138\uc11c\uc640 W-2, tax return\uc73c\ub85c \ube44\uad50\uc801 \uba85\ud655\ud558\uac8c \uc99d\ube59\ub418\ub294 \ud3b8\uc785\ub2c8\ub2e4. \ubc18\uba74 \uc790\uc601\uc5c5\uc790\ub294 tax return\uc0c1 \uc21c\uc774\uc775\uc774 \ub0ae\uac8c \uc7a1\ud600 \uc788\uac70\ub098, \uacbd\ube44 \ucc98\ub9ac\ub85c \uacfc\uc138\uc18c\ub4dd\uc774 \uc791\uac8c \ubcf4\uc774\uba74 \uc2e4\uc81c \ud604\uae08\ud750\ub984\uc774 \uc88b\uc544\ub3c4 \uc2b9\uc778 \ud55c\ub3c4\uac00 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uacbd\uc6b0 \uc740\ud589 \ud55c \uad70\ub370 \uae30\uc900\uc73c\ub85c\ub9cc \ud310\ub2e8\ud558\uae30\ubcf4\ub2e4 bank statement \ud504\ub85c\uadf8\ub7a8\uc774\ub098 \ub300\uccb4 \uc18c\ub4dd \uc0b0\uc815\uc774 \uac00\ub2a5\ud55c \uc635\uc158\uae4c\uc9c0 \ud568\uaed8 \ubcf4\ub294 \uac83\uc774 \ud604\uc2e4\uc801\uc785\ub2c8\ub2e4.<\/p>\n

\ub124 \ubc88\uc9f8\ub294 DTI, \uc989 \ubd80\ucc44\ube44\uc728\uc785\ub2c8\ub2e4. \uc0c8 \ubaa8\uae30\uc9c0 \uc0c1\ud658\uc561\uc774 \ub298\uc5b4\ub098\ub294 \ub9cc\ud07c \uae30\uc874 \uc790\ub3d9\ucc28 \ud560\ubd80, \ud559\uc790\uae08 \ub300\ucd9c, \uce74\ub4dc \ucd5c\uc18c\ub0a9\ubd80\uc561, \uae30\ud0c0 installment loan\uae4c\uc9c0 \ubaa8\ub450 \ud3ec\ud568\ud574 \uacc4\uc0b0\ud569\ub2c8\ub2e4. \uc18c\ub4dd\uc774 \uad1c\ucc2e\uc544 \ubcf4\uc5ec\ub3c4 \ub2e4\ub978 \uc6d4\ubd80\ucc44\uac00 \ub9ce\uc73c\uba74 \uc2b9\uc778 \ud55c\ub3c4\uac00 \uae30\ub300\ubcf4\ub2e4 \ub0ae\uac8c \ub098\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc774 \uc5ec\ub7ec \ucc44\uc778 \uacbd\uc6b0, \uac01 \ubd80\ub3d9\uc0b0\uc758 \ubaa8\uae30\uc9c0\uc640 \uc784\ub300\uc218\uc785 \ubc18\uc601 \ubc29\uc2dd\uc5d0 \ub530\ub77c \uacb0\uacfc\uac00 \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\ub2e4\uc12f \ubc88\uc9f8\ub294 \uac10\uc815\uac00\uc640 \ubd80\ub3d9\uc0b0 \uc720\ud615\uc785\ub2c8\ub2e4. \uac19\uc740 \ucc28\uc8fc\ub77c\ub3c4 \ub2e8\ub3c5\uc8fc\ud0dd\uc778\uc9c0, \ucf58\ub3c4\uc778\uc9c0, 2-4\uc720\ub2db\uc778\uc9c0, \ud22c\uc790\uc6a9\uc778\uc9c0\uc5d0 \ub530\ub77c \uae30\uc900\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uac10\uc815\uac00\uac00 \uc608\uc0c1\ubcf4\ub2e4 \ub0ae\uac8c \ub098\uc624\uba74 \ud604\uae08\uc778\ucd9c \uac00\ub2a5 \uae08\uc561\uc774 \ubc14\ub85c \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \ucd5c\uadfc \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc774 \uc788\ub294 \uc9c0\uc5ed\uc740 \uc628\ub77c\uc778 \ucd94\uc815\uac00\ub9cc \ubbff\uace0 \uc9c4\ud589\ud588\ub2e4\uac00 \uacc4\ud68d\uc774 \ud2c0\uc5b4\uc9c8 \uc218 \uc788\uc5b4, \ubcf4\uc218\uc801\uc73c\ub85c \uc811\uadfc\ud558\ub294 \ud3b8\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n

\ud604\uae08\uc778\ucd9c \uc7ac\uc735\uc790 \uc790\uaca9 \uc694\uac74\uc740 \uc65c \ucc28\uc8fc\ub9c8\ub2e4 \ub2e4\ub97c\uae4c<\/h2>\n

\ub9ce\uc740 \ubd84\ub4e4\uc774 \uc778\ud130\ub137\uc5d0\uc11c \ubcf8 \ud55c \uc904 \uae30\uc900\uc744 \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \uadf8\ub300\ub85c \uc801\uc6a9\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc2e4\uc81c \ub300\ucd9c \uc2ec\uc0ac\ub294 \ud504\ub85c\uadf8\ub7a8\ubcc4\ub85c \ub9e4\uc6b0 \ub2e4\ub985\ub2c8\ub2e4. \ucee8\ubca4\uc154\ub110, FHA, VA, non-QM, DSCR, bank statement loan\uc740 \ubcf4\ub294 \ud3ec\uc778\ud2b8\uac00 \uc11c\ub85c \ub2e4\ub985\ub2c8\ub2e4. \uc5b4\ub5a4 \ud504\ub85c\uadf8\ub7a8\uc740 tax return\uc744 \uc911\uc2dc\ud558\uace0, \uc5b4\ub5a4 \ud504\ub85c\uadf8\ub7a8\uc740 \uc740\ud589 \uc785\uae08 \ud750\ub984\uc744 \ub354 \uc911\uc694\ud558\uac8c \ubd05\ub2c8\ub2e4.<\/p>\n

\uc608\ub97c \ub4e4\uc5b4 W-2 \uc9c1\uc7a5\uc778\uc740 \uc18c\ub4dd \uc0b0\uc815\uc774 \ube44\uad50\uc801 \uac04\ub2e8\ud574\uc11c \uae08\ub9ac\uc640 \ube44\uc6a9 \uacbd\uc7c1\ub825\uc774 \uc88b\uc740 \uc635\uc158\uc774 \ub098\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74 \uc790\uc601\uc5c5\uc790\ub294 \uac19\uc740 \uc5f0\uc18c\ub4dd \uc218\uc900\uc774\uc5b4\ub3c4 \uc138\uae08\ubcf4\uace0 \ubc29\uc2dd \ub54c\ubb38\uc5d0 \uc77c\ubc18 \ucee8\ubca4\uc154\ub110 \uae30\uc900\uc5d0\uc11c \ubd88\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub54c \ub300\uccb4 \uc18c\ub4dd \ud504\ub85c\uadf8\ub7a8\uc774 \ub9de\uc744 \uc218 \uc788\uc9c0\ub9cc, \ubcf4\ud1b5 \uae08\ub9ac\ub098 \uc218\uc218\ub8cc \uad6c\uc870\ub294 \ub354 \ub192\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2b9\uc778 \uac00\ub2a5\uc131\uacfc \ube44\uc6a9 \uc0ac\uc774\uc5d0\uc11c \uade0\ud615\uc744 \ubcf4\ub294 \uc791\uc5c5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc678\uad6d \uad6d\uc801\uc790\ub098 \ubbf8\uad6d \ub0b4 \uc2e0\uc6a9\uc774 \uc9e7\uc740 \ucc28\uc8fc\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\uc785\ub2c8\ub2e4. \uc804\ud1b5\uc801\uc778 \uc740\ud589 \uae30\uc900\uc5d0\uc11c\ub294 \uc81c\ud55c\uc774 \ucee4 \ubcf4\uc77c \uc218 \uc788\uc9c0\ub9cc, \ubbf8\uad6d \ubd80\ub3d9\uc0b0 \ud22c\uc790 \ubaa9\uc801\uc774\ub098 \uc790\uc0b0 \uae30\ubc18 \uc2ec\uc0ac\uc5d0 \ub9de\ub294 \ud504\ub85c\uadf8\ub7a8\uc744 \ucc3e\uc73c\uba74 \uae38\uc774 \uc5f4\ub9ac\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud575\uc2ec\uc740 \ub0b4\uac00 \uc77c\ubc18 \uc740\ud589 \uae30\uc900\uc5d0 \ub9de\ub294\uc9c0\ubcf4\ub2e4, \uc5b4\ub5a4 \ud504\ub85c\uadf8\ub7a8\uc774 \ub0b4 \uc11c\ub958 \uad6c\uc870\ub97c \uac00\uc7a5 \uc798 \ubc18\uc601\ud558\ub294\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n

\uc2b9\uc778 \uac00\ub2a5\uc131\uc744 \uc88c\uc6b0\ud558\ub294 \uc2e4\uc81c \uc11c\ub958<\/h2>\n

\ud604\uae08\uc778\ucd9c \uc7ac\uc735\uc790\uc5d0\uc11c\ub294 \uc11c\ub958 \uc900\ube44\uac00 \uacb0\uacfc\ub97c \uc88c\uc6b0\ud569\ub2c8\ub2e4. \uae30\ubcf8\uc801\uc73c\ub85c\ub294 \ucd5c\uadfc \ubaa8\uae30\uc9c0 \uba85\uc138\uc11c, \uc8fc\ud0dd\ubcf4\ud5d8, \uc815\ubd80 \ubc1c\ud589 \uc2e0\ubd84\uc99d, \uc18c\ub4dd\uc790\ub8cc, \uc740\ud589 \uba85\uc138\uc11c, tax return, \uc790\uc0b0 \uc99d\ube59\uc774 \ub4e4\uc5b4\uac11\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \ubd80\ub3d9\uc0b0\uc138 \uae30\ub85d, HOA \uc815\ubcf4, \uc784\ub300\uacc4\uc57d\uc11c, \uc0ac\uc5c5\uccb4 \uc11c\ub958\uac00 \ucd94\uac00\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubb38\uc81c\ub294 \uc11c\ub958\uac00 \ub9ce\ub2e4\ub294 \ub370 \uc788\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc11c\ub85c \ub9de\uc9c0 \uc54a\ub294 \uc22b\uc790\uac00 \ub354 \ubb38\uc81c\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc740\ud589 \uc785\uae08\uc561\uc740 \ud070\ub370 tax return\uc0c1 \uc18c\ub4dd\uc774 \ub108\ubb34 \ub0ae\uac70\ub098, \uae09\uc5ec\uba85\uc138\uc11c\uc640 bank statement \ud750\ub984\uc774 \ub2e4\ub974\uac70\ub098, \ucd5c\uadfc large deposit \uc124\uba85\uc774 \uc548 \ub418\uba74 underwriter\uac00 \ucd94\uac00 \uc124\uba85\uc744 \uc694\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ubcf4\uc644\uc774 \uae38\uc5b4\uc9c8\uc218\ub85d \ud074\ub85c\uc9d5 \uc77c\uc815\ub3c4 \ubc00\ub9bd\ub2c8\ub2e4.<\/p>\n

\uadf8\ub798\uc11c \uc7ac\uc735\uc790\ub294 \ub2e8\uc21c\ud788 \uc11c\ub958\ub97c \ub9ce\uc774 \ub0b4\ub294 \uc791\uc5c5\uc774 \uc544\ub2c8\ub77c, \ub80c\ub354\uac00 \uc774\ud574\ud560 \uc218 \uc788\ub294 \ud615\ud0dc\ub85c \uc18c\ub4dd\uacfc \uc790\uc0b0\uc744 \uc815\ub9ac\ud558\ub294 \uacfc\uc815\uc5d0 \uac00\uae5d\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc790\uc601\uc5c5\uc790, \ucee4\ubbf8\uc158 \uae30\ubc18 \uc18c\ub4dd\uc790, \ud504\ub9ac\ub79c\uc11c\ub77c\uba74 \uc2dc\uc791 \uc804\uc5d0 \uc5b4\ub5a4 \uc790\ub8cc\uac00 \uac00\uc7a5 \uc720\ub9ac\ud558\uac8c \ubc18\uc601\ub420\uc9c0 \uba3c\uc800 \uc810\uac80\ud558\ub294 \ud3b8\uc774 \ud6a8\uc728\uc801\uc785\ub2c8\ub2e4.<\/p>\n

\uc790\uc8fc \ub193\uce58\ub294 \uc81c\ud55c \uc0ac\ud56d<\/h2>\n

\ud604\uae08\uc778\ucd9c \uc7ac\uc735\uc790 \uc790\uaca9 \uc694\uac74\uc744 \ubcfc \ub54c \ub9ce\uc740 \ubd84\ub4e4\uc774 \ub193\uce58\ub294 \ubd80\ubd84\uc774 seasoning requirement\uc785\ub2c8\ub2e4. \uc989, \ud604\uc7ac \uc8fc\ud0dd\uc744 \ucde8\ub4dd\ud55c \uc9c0 \uc5bc\ub9c8\ub098 \ub418\uc5c8\ub294\uc9c0, \ucd5c\uadfc title \ubcc0\uacbd\uc774 \uc788\uc5c8\ub294\uc9c0, \uae30\uc874 \ubaa8\uae30\uc9c0\ub97c \uc5bc\ub9c8\ub098 \uc720\uc9c0\ud588\ub294\uc9c0\uc5d0 \ub530\ub77c \uc9c4\ud589 \uac00\ub2a5 \uc5ec\ubd80\uac00 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uae30\uac04 \ub0b4 \ucde8\ub4dd\ud55c \ubd80\ub3d9\uc0b0\uc774\ub098 \ucd5c\uadfc \ud604\uc800\ud55c \uac00\uce58 \uc0c1\uc2b9\uc740 \ub80c\ub354\uac00 \ub354 \ubcf4\uc218\uc801\uc73c\ub85c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

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\ud604\uae08\uc778\ucd9c \uc7ac\uc735\uc790\ub294 \ub2e8\uc21c\ud788 \uc9d1\uc5d0\uc11c \ub3c8\uc744 \uaebc\ub0b4\ub294 \uac70\ub798\uac00 \uc544\ub2c8\ub77c, \ub0b4 \uc5d0\ud034\ud2f0\ub97c \uc5b4\ub5a4 \ube44\uc6a9\uc73c\ub85c \uc5b4\ub5bb\uac8c \ub2e4\uc2dc \ubc30\uce58\ud560\uc9c0 \uacb0\uc815\ud558\ub294 \uc7ac\ubb34 \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc790\uaca9 \uc694\uac74\uc744 \uc22b\uc790 \uba87 \uac1c\ub85c\ub9cc \ubcf4\uc9c0 \ub9c8\uc2dc\uace0, \ub0b4 \uc18c\ub4dd \uad6c\uc870\uc640 \ubd80\ucc44 \uad6c\uc870, \ubd80\ub3d9\uc0b0 \ubaa9\uc801\uae4c\uc9c0 \ud568\uaed8 \ubcf4\uc154\uc57c \ub354 \uc548\uc804\ud55c \uacb0\uc815\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

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