{"id":366,"date":"2026-04-21T06:49:32","date_gmt":"2026-04-21T06:49:32","guid":{"rendered":"https:\/\/uribank.com\/wordpress1\/2026\/04\/21\/iran-war-us-mortgage-rate-impact-april-21-2026\/"},"modified":"2026-04-21T06:49:32","modified_gmt":"2026-04-21T06:49:32","slug":"iran-war-us-mortgage-rate-impact-april-21-2026","status":"publish","type":"post","link":"http:\/\/uribank.com\/wordpress1\/2026\/04\/21\/iran-war-us-mortgage-rate-impact-april-21-2026\/","title":{"rendered":"\uc774\ub780\uacfc\uc758 \uc804\uc7c1, \ubbf8\uad6d \ubaa8\uae30\uc9c0 \uae08\ub9ac \uc7a5\ub2e8\uae30 \uc601\ud5a5"},"content":{"rendered":"

\uc804\uc7c1 \ub274\uc2a4\uac00 \ub098\uc624\uba74 \ub9ce\uc740 \ubd84\ub4e4\uc774 \uba3c\uc800 \ubb3b\ub294 \uc9c8\ubb38\uc740 \ud558\ub098\uc785\ub2c8\ub2e4. \u201c\uc9c0\uae08 \ubaa8\uae30\uc9c0 \uae08\ub9ac\uac00 \ub0b4\ub824\uac00\ub098\uc694, \uc544\ub2c8\uba74 \ub354 \uc624\ub974\ub098\uc694?\u201d \uc774\ub780\uacfc\uc758 \uc804\uc7c1\uc774 \ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c(\ubaa8\uae30\uc9c0) \uae08\ub9ac\uc5d0 \ubbf8\uce58\ub294 \uc7a5\ub2e8\uae30 \uc601\ud5a5–April 21,2026\ub97c \ud310\ub2e8\ud560 \ub54c, \ub2f5\uc740 \ub2e8\uc21c\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \uae08\ub9ac\uac00 \ub0b4\ub824\uac08 \uc218 \uc788\uc9c0\ub9cc, \uba87 \uc8fc\uc5d0\uc11c \uba87 \ub2ec\uc774 \uc9c0\ub098\uba74 \uc624\ud788\ub824 \ubc18\ub300\ub85c \uc6c0\uc9c1\uc77c \uac00\ub2a5\uc131\ub3c4 \ucda9\ubd84\ud788 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc65c \uc804\uc7c1\uc774 \ubaa8\uae30\uc9c0 \uae08\ub9ac\ub97c \ubc14\ub85c \ud754\ub4dc\ub098<\/h2>\n

\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uae08\ub9ac\ub294 \uc5f0\uc900 \uae30\uc900\uae08\ub9ac\ub9cc \ub530\ub77c \uc6c0\uc9c1\uc774\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c 30\ub144 \uace0\uc815 \ubaa8\uae30\uc9c0 \uae08\ub9ac\ub294 \ubbf8 \uad6d\ucc44 10\ub144\ubb3c \uc218\uc775\ub960, \uc778\ud50c\ub808\uc774\uc158 \uae30\ub300, \ucc44\uad8c\uc2dc\uc7a5 \ubd88\uc548, \uadf8\ub9ac\uace0 \ubaa8\uae30\uc9c0\ub2f4\ubcf4\uc99d\uad8c \uc2dc\uc7a5\uc758 \ub9e4\uc218\uc138\uc5d0 \ub354 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc804\uc7c1\uc774 \ubc1c\uc0dd\ud558\uba74 \uc2dc\uc7a5\uc740 \uba3c\uc800 \uc548\uc804\uc790\uc0b0\uc73c\ub85c \ubab0\ub9bd\ub2c8\ub2e4. \uc774\ub54c \ud22c\uc790\uc790\ub4e4\uc774 \ubbf8 \uad6d\ucc44\ub97c \uc0ac\uba74 \uad6d\ucc44 \uae08\ub9ac\ub294 \ub0b4\ub824\uac00\uace0, \uadf8 \ud750\ub984\uc774 \ubaa8\uae30\uc9c0 \uae08\ub9ac \ud558\ub77d\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc804\uc7c1 \ucd08\uae30\uc5d0\ub294 \u201c\ubd88\uc548\ud55c\ub370 \uc65c \ubaa8\uae30\uc9c0 \uae08\ub9ac\uac00 \ub0b4\ub824\uac00\uc8e0?\u201d\ub77c\ub294 \uc0c1\ud669\uc774 \uc2e4\uc81c\ub85c \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n

\ud558\uc9c0\ub9cc \uc5ec\uae30\uc11c \ub05d\ub098\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc774\ub780 \uad00\ub828 \uc9c0\uc815\ud559 \ub9ac\uc2a4\ud06c\ub294 \uc5d0\ub108\uc9c0 \uc2dc\uc7a5\uacfc \ubc14\ub85c \uc5f0\uacb0\ub429\ub2c8\ub2e4. \uc6d0\uc720 \uac00\uaca9\uc774 \uae09\ub4f1\ud558\uba74 \uc6b4\uc1a1\ube44, \uc0dd\uc0b0\ube44, \uc0dd\ud65c\ube44\uac00 \ud568\uaed8 \uc624\ub974\uace0 \uc778\ud50c\ub808\uc774\uc158 \uc555\ub825\uc774 \ub2e4\uc2dc \uac15\ud574\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub807\uac8c \ub418\uba74 \ucc44\uad8c\uc2dc\uc7a5\uc740 \uc5f0\uc900\uc774 \uae08\ub9ac\ub97c \ub354 \uc624\ub798 \ub192\uac8c \uc720\uc9c0\ud560 \uac83\uc73c\ub85c \ud574\uc11d\ud558\uace0, \uacb0\uad6d \uc911\uc7a5\uae30 \ubaa8\uae30\uc9c0 \uae08\ub9ac\uac00 \ub2e4\uc2dc \uc62c\ub77c\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774\ub780\uacfc\uc758 \uc804\uc7c1\uc774 \ubbf8\uad6d \ubaa8\uae30\uc9c0 \uae08\ub9ac\uc5d0 \ubbf8\uce58\ub294 \ub2e8\uae30 \uc601\ud5a5<\/h2>\n

\ub2e8\uae30 \uc601\ud5a5\uc740 \ub300\uccb4\ub85c \u201c\ucd08\uae30 \ud558\ub77d \uac00\ub2a5\uc131\u201d\uc5d0 \ubb34\uac8c\uac00 \uc2e4\ub9bd\ub2c8\ub2e4. \uae08\uc735\uc2dc\uc7a5\uc774 \ucda9\uaca9\uc744 \ubc1b\uc73c\uba74 \uc8fc\uc2dd\uc5d0\uc11c \ucc44\uad8c\uc73c\ub85c \ub3c8\uc774 \uc774\ub3d9\ud558\uace0, \uc548\uc804\uc790\uc0b0 \uc120\ud638\uac00 \uac15\ud574\uc9c0\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc774 \uad6c\uac04\uc5d0\uc11c\ub294 30\ub144 \uace0\uc815 \ubaa8\uae30\uc9c0 \uae08\ub9ac\uac00 \uba70\uce60 \ud639\uc740 \uba87 \uc8fc \ub3d9\uc548 \ube60\ub974\uac8c \ub0ae\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub2e4\ub9cc \uc18c\ube44\uc790\uc5d0\uac8c \ubcf4\uc774\ub294 \uc2e4\uc81c \uae08\ub9ac\ub294 \ucc44\uad8c \uae08\ub9ac\ub9cc\uc73c\ub85c \uacb0\uc815\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc804\uc7c1 \uad6d\uba74\uc5d0\uc11c\ub294 \ub300\ucd9c\uae30\uad00\uc774 \uc704\ud5d8 \ud504\ub9ac\ubbf8\uc5c4\uc744 \ub354 \ubd99\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ucc44\uad8c\uc2dc\uc7a5 \uae08\ub9ac\uac00 \ub0b4\ub824\uac00\ub3c4 lender credit\uc774 \uc904\uc5b4\ub4e4\uac70\ub098 pricing margin\uc774 \ub113\uc5b4\uc9c0\uba74, \uc18c\ube44\uc790\uac00 \uccb4\uac10\ud558\ub294 \uae08\ub9ac \uc778\ud558 \ud3ed\uc740 \uc81c\ud55c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0, \ud604\uae08\uc720\ucd9c\uc774 \ud070 cash-out refinance, \uc18c\ub4dd\uc99d\ube59\uc774 \ubcf5\uc7a1\ud55c \uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc740 \uc77c\ubc18 \uac70\uc8fc\uc6a9 \uad6c\uc785 \ub300\ucd9c\ubcf4\ub2e4 \ub354 \ubcf4\uc218\uc801\uc73c\ub85c \uac00\uaca9\uc774 \ub9e4\uaca8\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc65c \uc624\ub97c \uc218 \uc788\ub098<\/h2>\n

\uc7a5\uae30 \uc601\ud5a5\uc740 \uc804\uc7c1\uc758 \uae38\uc774\uc640 \ubc94\uc704\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4. \ud575\uc2ec \ubcc0\uc218\ub294 \uc138 \uac00\uc9c0\uc785\ub2c8\ub2e4. \uccab\uc9f8\ub294 \uc720\uac00, \ub458\uc9f8\ub294 \uc778\ud50c\ub808\uc774\uc158 \uae30\ub300, \uc14b\uc9f8\ub294 \ubbf8\uad6d \uc7ac\uc815\uc9c0\ucd9c\uacfc \uad6d\ucc44 \ubc1c\ud589 \ubd80\ub2f4\uc785\ub2c8\ub2e4.<\/p>\n

\uc804\uc7c1\uc774 \uae38\uc5b4\uc9c0\uace0 \uc911\ub3d9 \uacf5\uae09 \ucc28\uc9c8\uc774 \ucee4\uc9c0\uba74 \uc720\uac00 \uc0c1\uc2b9\uc774 \uace0\ucc29\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \uc5f0\uc900\uc774 \uae08\ub9ac \uc778\ud558\ub97c \uc11c\ub450\ub974\uae30 \uc5b4\ub824\uc6cc\uc9d1\ub2c8\ub2e4. \uc2dc\uc7a5\uc740 \u201c\uae30\uc900\uae08\ub9ac\uac00 \ub2a6\uac8c \ub0b4\ub824\uac00\uaca0\uad6c\ub098\u201d\ub77c\uace0 \ubc18\uc751\ud558\uace0, \uc7a5\uae30 \ucc44\uad8c \uae08\ub9ac\uac00 \ub2e4\uc2dc \uc62c\ub77c\uac00\uba74\uc11c \ubaa8\uae30\uc9c0 \uae08\ub9ac\ub3c4 \uc0c1\uc2b9 \uc555\ub825\uc744 \ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub610 \ud558\ub098 \uc911\uc694\ud55c \uc810\uc740 \uacbd\uae30\ub454\ud654\uc640 \uc778\ud50c\ub808\uc774\uc158\uc774 \ub3d9\uc2dc\uc5d0 \ub098\ud0c0\ub098\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \uacbd\uae30\ub294 \uc57d\ud55c\ub370 \ubb3c\uac00\ub294 \ub192\uc740, \uc774\ub978\ubc14 \ubd88\ud3b8\ud55c \uc870\ud569\uc774 \uc624\uba74 \ubaa8\uae30\uc9c0 \uc2dc\uc7a5\uc740 \ub354 \uae4c\ub2e4\ub85c\uc6cc\uc9d1\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uae08\ub9ac \uc218\uc900\ub9cc \ubb38\uc81c\uac00 \uc544\ub2c8\ub77c, \ub300\ucd9c \uc2ec\uc0ac\ub3c4 \ubcf4\uc218\uc801\uc73c\ub85c \ubcc0\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc790\uc0b0 \ud655\uc778, \uc720\ub3d9\uc131 \ubcf4\uc720, DTI, reserve requirement\uac00 \ub354 \uc911\uc694\ud574\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc8fc\ud0dd\uad6c\ub9e4\uc790\uc640 \uc7ac\uc735\uc790 \uace0\uac1d\uc774 \ub2e4\ub974\uac8c \ubd10\uc57c \ud558\ub294 \uc774\uc720<\/h2>\n

\uc8fc\ud0dd\uad6c\ub9e4\uc790\ub294 \u201c\uc870\uae08 \uae30\ub2e4\ub9ac\uba74 \ub354 \ub0b4\ub824\uac08\uae4c\u201d\ub97c \uace0\ubbfc\ud558\uc9c0\ub9cc, \uc804\uc7c1 \uad00\ub828 \uae08\ub9ac \uc6c0\uc9c1\uc784\uc740 \uc608\uce21\ubcf4\ub2e4 \uc18d\ub3c4\uac00 \ub354 \ube60\ub978 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ud558\ub8e8 \uc0ac\uc774\uc5d0\ub3c4 pricing\uc774 \ubc14\ub00c\uae30 \ub54c\ubb38\uc5d0 \uacc4\uc57d\uc774 \uc774\ubbf8 \uc9c4\ud589 \uc911\uc774\ub77c\uba74 float \uc804\ub7b5\ubcf4\ub2e4 lock \uc804\ub7b5\uc774 \ub354 \uc720\ub9ac\ud560 \ub54c\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 closing \uc77c\uc815\uc774 30\uc77c \uc548\ucabd\uc774\uba74 \uc2dc\uc7a5 \uc804\ub9dd\ubcf4\ub2e4 \ud604\uc7ac \ud655\ubcf4 \uac00\ub2a5\ud55c \uc870\uac74\uc774 \ub354 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc7ac\uc735\uc790 \uace0\uac1d\uc740 \uc0c1\ud669\uc774 \uc870\uae08 \ub2e4\ub985\ub2c8\ub2e4. \uae30\uc874 \uae08\ub9ac\uc640 \uc0c8 \uae08\ub9ac \ucc28\uc774, closing cost, \ubcf4\uc720\uae30\uac04\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc804\uc7c1 \ucd08\uae30\ub85c \uc778\ud574 \uae08\ub9ac\uac00 \uc7a0\uae50 \ub0b4\ub824\uac04\ub2e4\uba74 rate-and-term refinance \uae30\ud68c\uac00 \uc0dd\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74 cash-out refinance\ub294 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc774 \ud06c\uba74 pricing\uc774 \ubd88\ub9ac\ud574\uc9c8 \uc218 \uc788\uc5b4, \ubaa9\uc801\uc774 \ubd80\ucc44\uc815\ub9ac\uc778\uc9c0 \ud22c\uc790\uc790\uae08 \ud655\ubcf4\uc778\uc9c0\uc5d0 \ub530\ub77c \ud310\ub2e8\uc774 \ub2ec\ub77c\uc838\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc774\ub7f0 \uc2dc\uae30\uc5d0\ub294 \uc5b4\ub5a4 \ub300\ucd9c\uc790\uac00 \ub354 \uc601\ud5a5\uc744 \ud06c\uac8c \ubc1b\ub098<\/h2>\n

\uc2e0\uc6a9\uc810\uc218\uc640 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uac00 \uac15\ud55c borrower\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc120\ud0dd\uc9c0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc790\uc601\uc5c5\uc790, \ud504\ub9ac\ub79c\uc11c, \uc678\uad6d\uc778, \ucd5c\uadfc \ubbf8\uad6d \uc2e0\uc6a9\uc774 \uc9e7\uc740 \uace0\uac1d\uc740 \uc2dc\uc7a5 \ubd88\uc548\uae30\uc5d0 \ud504\ub85c\uadf8\ub7a8 \ucc28\uc774\uac00 \ud06c\uac8c \ubc8c\uc5b4\uc9d1\ub2c8\ub2e4. \uac19\uc740 \ub0a0\uc5d0\ub3c4 \uc740\ud589\ud615 \uc0c1\ud488\uc740 \ub2eb\ud788\uace0, \ube44\uc740\ud589 \ud504\ub85c\uadf8\ub7a8\uc740 \uc5f4\ub824 \uc788\uac70\ub098 \uadf8 \ubc18\ub300\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774\ub7f4 \ub54c\ub294 \u201c\ucd5c\uc800 \uae08\ub9ac\u201d\ub9cc \ubcf4\ub294 \uc811\uadfc\uc774 \uc704\ud5d8\ud569\ub2c8\ub2e4. \uc2b9\uc778 \uac00\ub2a5\uc131, \uc18c\ub4dd\uc99d\ube59 \ubc29\uc2dd, reserve \uae30\uc900, \uc120\ub0a9\ubc8c\uae08 \uc5ec\ubd80, \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \uc870\uac74\uae4c\uc9c0 \ud568\uaed8 \ubd10\uc57c \uc2e4\uc81c\ub85c \uc720\ub9ac\ud55c \ub300\ucd9c\uc774 \ub429\ub2c8\ub2e4. URI Financial \uac19\uc740 \ubaa8\uae30\uc9c0 \ube0c\ub85c\ucee4 \uad6c\uc870\uac00 \uc720\ub9ac\ud55c \uc774\uc720\ub3c4 \uc5ec\uae30\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \ud55c \uc740\ud589 \uc0c1\ud488\ub9cc \ubcf4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ud604\uc7ac \uc2dc\uc7a5\uc5d0\uc11c \ub9de\ub294 \ud504\ub85c\uadf8\ub7a8\uc744 \ube44\uad50\ud574 \uc870\ud569\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n

\uc9c0\uae08 borrower\uac00 \uccb4\ud06c\ud574\uc57c \ud560 \ud310\ub2e8 \uae30\uc900<\/h2>\n

\uc804\uc7c1 \ub274\uc2a4\uac00 \ud070 \ub0a0\uc77c\uc218\ub85d headline\ubcf4\ub2e4 lock window\ub97c \ubcf4\uc154\uc57c \ud569\ub2c8\ub2e4. \uad6c\ub9e4 \uacc4\uc57d\uc774 \uc788\ub294\uc9c0, 6\uac1c\uc6d4 \uc774\uc0c1 \ubcf4\uc720\ud560 \uc9d1\uc778\uc9c0, \uc7ac\uc735\uc790 \ube44\uc6a9 \ud68c\uc218\uae30\uac04\uc774 \uba87 \uac1c\uc6d4\uc778\uc9c0\ubd80\ud130 \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4. \uae08\ub9ac\uac00 0.125% \ub0b4\ub824\uac00\ub294 \uac83\ubcf4\ub2e4 \uc2b9\uc778 \uc2e4\ud328\ub97c \ud53c\ud558\ub294 \uac83\uc774 \ub354 \uc911\uc694\ud55c \uacbd\uc6b0\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub610\ud55c \uc720\uac00\uac00 \uc2e4\uc81c\ub85c CPI\uc5d0 \ubc18\uc601\ub418\uae30 \uc2dc\uc791\ud558\uba74 \uc7a5\uae30 \uae08\ub9ac\ub294 \ub2e4\uc2dc \uc62c\ub77c\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \ub2e8\uae30 \uae09\ub77d\uc740 \uae30\ud68c\uc77c \uc218 \uc788\uc9c0\ub9cc, \uc790\ub3d9\uc73c\ub85c \uc7a5\uae30 \ud558\ub77d \ucd94\uc138\ub97c \ub73b\ud558\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \uc9c0\uae08 \ud544\uc694\ud55c \uac83\uc740 \uc608\uce21 \uac8c\uc784\uc774 \uc544\ub2c8\ub77c, \ubcf8\uc778 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uae08\ub9ac \uc7a0\uae08 \uc2dc\uc810\uacfc \ub300\ucd9c \uad6c\uc870\ub97c \ube60\ub974\uac8c \uc815\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ubd88\ud655\uc2e4\uc131\uc774 \ucee4\uc9c8\uc218\ub85d \uc88b\uc740 \ub300\ucd9c\uc740 \uae30\ub2e4\ub9ac\ub294 \uc0ac\ub78c\ubcf4\ub2e4 \uc900\ube44\ub41c \uc0ac\ub78c\uc774 \uba3c\uc800 \uac00\uc838\uac11\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

\uc774\ub780\uacfc\uc758 \uc804\uc7c1\uc774 \ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c(\ubaa8\uae30\uc9c0) \uae08\ub9ac\uc5d0 \ubbf8\uce58\ub294 \uc7a5\ub2e8\uae30 \uc601\ud5a5–April 21,2026\ub97c \uae30\uc900\uc73c\ub85c \uae08\ub9ac, \uc778\ud50c\ub808\uc774\uc158, \uc7ac\uc735\uc790\uc640 \uc8fc\ud0dd\uad6c\ub9e4 \uc804\ub7b5\uae4c\uc9c0 \ud575\uc2ec\ub9cc 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