{"id":410,"date":"2026-07-16T01:51:18","date_gmt":"2026-07-16T01:51:18","guid":{"rendered":"https:\/\/uribank.com\/wordpress1\/2026\/07\/16\/self-employed-mortgage-underwriting-changes\/"},"modified":"2026-07-16T01:51:18","modified_gmt":"2026-07-16T01:51:18","slug":"self-employed-mortgage-underwriting-changes","status":"publish","type":"post","link":"http:\/\/uribank.com\/wordpress1\/2026\/07\/16\/self-employed-mortgage-underwriting-changes\/","title":{"rendered":"\uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc2ec\uc0ac \uae30\uc900 \ubcc0\ud654\uc640 \ubbf8\uad6d \uc8fc\ud0dd\uc735\uc790 \uc900\ube44"},"content":{"rendered":"

\uc0ac\uc5c5 \ub9e4\ucd9c\uc740 \ucda9\ubd84\ud55c\ub370 \uc138\uae08\ubcf4\uace0\uc11c\uc0c1 \uc18c\ub4dd\uc774 \ub0ae\uac70\ub098, \ucd5c\uadfc 1\ub144 \uc0ac\uc774 \uc0ac\uc5c5 \ud615\ud0dc\uac00 \ubc14\ub00c\uc5b4 \uc8fc\ud0dd\uc735\uc790\ub97c \ubbf8\ub8e8\ub294 \uc790\uc601\uc5c5\uc790\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc2ec\uc0ac \uae30\uc900 \ubcc0\ud654<\/strong>\uc758 \ud575\uc2ec\uc740 \uc790\uc601\uc5c5\uc790\uc5d0\uac8c \ub300\ucd9c\uc774 \ub354 \uc5b4\ub824\uc6cc\uc84c\ub2e4\ub294 \ub2e8\uc21c\ud55c \uc774\uc57c\uae30\uac00 \uc544\ub2d9\ub2c8\ub2e4. \ub300\ucd9c\uae30\uad00\uc774 \uc0ac\uc5c5\uc758 \uc9c0\uc18d\uc131, \uc2e4\uc81c \ud604\uae08\ud750\ub984, \uc138\uae08\ubcf4\uace0 \uc18c\ub4dd, \uac1c\uc778 \ubd80\ucc44\uc640 \uc0ac\uc5c5\uccb4 \ubd80\ucc44\uc758 \uad00\uacc4\ub97c \uc774\uc804\ubcf4\ub2e4 \ub354 \uad6c\uccb4\uc801\uc73c\ub85c \ud655\uc778\ud55c\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4. \uc900\ube44 \ubc29\ud5a5\uc744 \ub9de\ucd94\uba74 \uc77c\ubc18 \uc740\ud589 \uc735\uc790\ubd80\ud130 \uc740\ud589\uac70\ub798\ub0b4\uc5ed \uae30\ubc18 \ud504\ub85c\uadf8\ub7a8\uae4c\uc9c0 \uc120\ud0dd\uc9c0\uac00 \uc0dd\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc65c \uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc2ec\uc0ac \uae30\uc900\uc774 \ub2ec\ub77c\uc84c\ub098<\/h2>\n

\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2ec\uc0ac\uc5d0\uc11c \uc790\uc601\uc5c5\uc790 \uc18c\ub4dd\uc740 \uae09\uc5ec\uc18c\ub4dd\ucc98\ub7fc W-2 \ud55c \uc7a5\uc73c\ub85c \ud655\uc778\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc0ac\uc5c5\uccb4\uc758 \ub9e4\ucd9c\uc774 \uc544\ub2c8\ub77c \ube44\uc6a9 \uacf5\uc81c \ud6c4 \ub0a8\ub294 \uc18c\ub4dd, \uc989 \ub300\ucd9c \uc2ec\uc0ac\uc5d0 \uc778\uc815\ub418\ub294 \uc18c\ub4dd\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud2b9\ud788 \ucd5c\uadfc \uba87 \ub144\uac04 \uae08\ub9ac\uc640 \ubb3c\uac00, \uc5c5\uc885\ubcc4 \ub9e4\ucd9c \ubcc0\ub3d9\uc774 \ucee4\uc9c0\uba74\uc11c \uc5b8\ub354\ub77c\uc774\ud130\ub294 \u201c\uc791\ub144\uc5d0 \uc218\uc775\uc774 \uc788\uc5c8\ub294\uac00\u201d\ubcf4\ub2e4 \u201c\uc55e\uc73c\ub85c\ub3c4 \ubaa8\uae30\uc9c0 \uc0c1\ud658\uc744 \uc548\uc815\uc801\uc73c\ub85c \ud560 \uc218 \uc788\ub294\uac00\u201d\ub97c \ub354 \uba74\ubc00\ud788 \ubd05\ub2c8\ub2e4.<\/p>\n

\ub530\ub77c\uc11c \uc138\uae08\ubcf4\uace0\uc11c\uc758 \uc218\uce58\ub9cc \ubcf4\ub294 \uc2ec\uc0ac\uc640 \uc740\ud589\uac70\ub798\ub0b4\uc5ed\uc758 \uc785\uae08 \ud750\ub984\uc744 \ubd84\uc11d\ud558\ub294 \uc2ec\uc0ac\uac00 \ud568\uaed8 \ud65c\uc6a9\ub429\ub2c8\ub2e4. \uc5b4\ub290 \ubc29\uc2dd\uc774 \uc720\ub9ac\ud55c\uc9c0\ub294 \uc0ac\uc5c5 \ud615\ud0dc\uc640 \uc808\uc138 \uad6c\uc870\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4. \uc138\uae08 \uacf5\uc81c\ub97c \ud06c\uac8c \uc801\uc6a9\ud574 \uacfc\uc138\uc18c\ub4dd\uc774 \ub0ae\uc740 \uc0ac\uc5c5\uc790\ub294 \ud45c\uc900 \uc18c\ub4dd\uc2ec\uc0ac\ub9cc\uc73c\ub85c \uc6d0\ud558\ub294 \ub300\ucd9c\uae08\uc561\uc774 \ub098\uc624\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc740\ud589 \uacc4\uc88c\uc5d0 \ub9e4\ucd9c \uc785\uae08\uc774 \uaddc\uce59\uc801\uc774\uace0 \uc0ac\uc5c5 \uc6b4\uc601\ube44\uac00 \uba85\ud655\ud558\ub2e4\uba74 \ub300\uccb4 \uc18c\ub4dd\uc11c\ub958 \ud504\ub85c\uadf8\ub7a8\uc774 \ud604\uc2e4\uc801\uc778 \ub300\uc548\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2ec\uc0ac\uc5d0\uc11c \uac00\uc7a5 \uba3c\uc800 \ud655\uc778\ud558\ub294 4\uac00\uc9c0<\/h2>\n

\uc138\uae08\ubcf4\uace0 \uc18c\ub4dd\uc740 \ub9e4\ucd9c\uacfc \ub2e4\ub985\ub2c8\ub2e4<\/h3>\n

\uc790\uc601\uc5c5\uc790\ub294 \ubcf4\ud1b5 \ucd5c\uadfc 2\ub144 \uac1c\uc778 \uc138\uae08\ubcf4\uace0\uc11c\uc640 \uc0ac\uc5c5\uccb4 \uc138\uae08\ubcf4\uace0\uc11c\ub97c \uc81c\ucd9c\ud569\ub2c8\ub2e4. Sole Proprietor\ub294 Schedule C, Partnership\uc774\ub098 S-Corporation\uc740 K-1 \ubc0f \uc0ac\uc5c5\uccb4 \ubcf4\uace0\uc11c, C-Corporation\uc740 \ubc95\uc778 \ubcf4\uace0\uc11c\uac00 \uc8fc\uc694 \uc790\ub8cc\uac00 \ub429\ub2c8\ub2e4. \uc2ec\uc0ac \ub2f4\ub2f9\uc790\ub294 \uc21c\uc774\uc775, \uac10\uac00\uc0c1\uac01, \uc77c\ud68c\uc131 \ube44\uc6a9, \uc0ac\uc5c5\uc6a9 \ucc28\ub7c9\ube44 \ub4f1 \ud5c8\uc6a9 \uac00\ub2a5\ud55c \ud56d\ubaa9\uc744 \uc870\uc815\ud574 \uc6d4 \uc18c\ub4dd\uc744 \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/p>\n

\uc5ec\uae30\uc11c \uc8fc\uc758\ud560 \uc810\uc740 \uac10\uac00\uc0c1\uac01\ucc98\ub7fc \ub2e4\uc2dc \ub354\ud574\uc9c8 \uc218 \uc788\ub294 \ube44\uc6a9\uc774 \uc788\ub2e4\uace0 \ud574\uc11c \ubaa8\ub4e0 \uacf5\uc81c \ud56d\ubaa9\uc774 \uc18c\ub4dd\uc73c\ub85c \ubcf5\uc6d0\ub418\ub294 \uac83\uc740 \uc544\ub2c8\ub77c\ub294 \uc810\uc785\ub2c8\ub2e4. \uc0ac\uc5c5\uccb4 \uc774\uc775\uc774 \uac10\uc18c\ud588\uac70\ub098 \ucd5c\uadfc \uc5f0\ub3c4 \uc18c\ub4dd\uc774 \uc804\ub144\ubcf4\ub2e4 \ud06c\uac8c \ub0ae\ub2e4\uba74, \ub300\ucd9c\uae30\uad00\uc740 \ub354 \ub0ae\uc740 \uc5f0\ub3c4 \uc18c\ub4dd\uc744 \uae30\uc900\uc73c\ub85c \ubcf4\uac70\ub098 \ucd94\uac00 \uc124\uba85\uc744 \uc694\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9e4\ucd9c\uc774 \ub298\uc5b4\ub3c4 \uc21c\uc774\uc775\uc774 \uc904\uc5c8\ub2e4\uba74 \uc6d0\ud558\ub294 \uc2b9\uc778 \uae08\uc561\uc774 \ub0ae\uc544\uc9c8 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc0ac\uc5c5\uc758 \uc9c0\uc18d\uc131\uacfc \uc18c\uc720 \uc9c0\ubd84\uc744 \ud655\uc778\ud569\ub2c8\ub2e4<\/h3>\n

\uc77c\ubc18\uc801\uc73c\ub85c \ub3d9\uc77c \uc5c5\uc885\uc758 \uc790\uc601\uc5c5 \uacbd\ub825\uacfc \uc548\uc815\uc801\uc778 \uc0ac\uc5c5 \uc6b4\uc601 \uae30\ub85d\uc740 \uae0d\uc815\uc801\uc785\ub2c8\ub2e4. \ucd5c\uadfc \uc9c1\uc7a5\uc744 \uadf8\ub9cc\ub450\uace0 \uc0c8 \uc0ac\uc5c5\uc744 \uc2dc\uc791\ud588\uac70\ub098, \ubd80\ub3d9\uc0b0 \uc5d0\uc774\uc804\ud2b8\u00b7\ucee8\uc124\ud134\ud2b8\u00b7\ud504\ub9ac\ub79c\uc11c\ucc98\ub7fc \uc218\uc785 \ubcc0\ub3d9\uc774 \ud070 \uacbd\uc6b0\uc5d0\ub294 \uacbd\ub825 \uc5f0\uacb0\uc131\uacfc \uacc4\uc57d \uae30\ubc18 \uc218\uc785\uc744 \uc124\uba85\ud560 \uc790\ub8cc\uac00 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub610\ud55c \uc0ac\uc5c5\uccb4 \uc9c0\ubd84\uc728\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \uc77c\uc815 \uc9c0\ubd84 \uc774\uc0c1\uc744 \ubcf4\uc720\ud55c \uacbd\uc6b0 \uc0ac\uc5c5\uccb4 \ubd80\ucc44, \uc190\uc775, \uacc4\uc88c \ub0b4\uc5ed\uc744 \uac1c\uc778 \uc7ac\uc815\uacfc \ud568\uaed8 \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacf5\ub3d9 \uc18c\uc720 \uc0ac\uc5c5\uc774\ub77c\uba74 \ubcf8\uc778 \uc9c0\ubd84\uc5d0 \ud574\ub2f9\ud558\ub294 \uc18c\ub4dd\ub9cc \uc778\uc815\ub418\ub294\uc9c0, \uc0ac\uc5c5\uccb4\uc758 \ubd80\ucc44 \uc0c1\ud658\uc774 \uac1c\uc778 \ud604\uae08\ud750\ub984\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \uc8fc\ub294\uc9c0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc740\ud589\uac70\ub798\ub0b4\uc5ed\uc740 \uc785\uae08\uc758 \uc9c8\uc744 \ubd05\ub2c8\ub2e4<\/h3>\n

\uc740\ud589\uac70\ub798\ub0b4\uc5ed \uae30\ubc18 \ub300\ucd9c\uc740 \uc138\uae08\ubcf4\uace0\uc11c \ub300\uc2e0 \ub610\ub294 \ubcf4\uc644 \uc790\ub8cc\ub85c \ucd5c\uadfc 12\uac1c\uc6d4\uc774\ub098 24\uac1c\uc6d4\uc758 \uc0ac\uc5c5\uc6a9 \ub610\ub294 \uac1c\uc778\uc6a9 \uacc4\uc88c \ub0b4\uc5ed\uc744 \ubd84\uc11d\ud569\ub2c8\ub2e4. \uc774\ub54c \ub2e8\uc21c\ud788 \uc785\uae08\uc561\uc744 \ubaa8\ub450 \uc18c\ub4dd\uc73c\ub85c \uc778\uc815\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uacc4\uc88c \uac04 \uc774\uccb4, \uc77c\ud68c\uc131 \ub300\uc5ec\uae08, \ubd80\ub3d9\uc0b0 \ub9e4\uac01\ub300\uae08, \ud604\uae08\uc131 \uc124\uba85\uc774 \uc5b4\ub824\uc6b4 \uc785\uae08\uc740 \uc81c\uc678\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uace0\uac1d \uacb0\uc81c, \uce74\ub4dc \ub9e4\ucd9c \uc815\uc0b0, \uc815\uae30\uc801\uc778 ACH \uc785\uae08\ucc98\ub7fc \uc0ac\uc5c5 \ub9e4\ucd9c\uc784\uc744 \ud655\uc778\ud560 \uc218 \uc788\ub294 \ub0b4\uc5ed\uc740 \uc18c\ub4dd \uc0b0\uc815\uc5d0 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

\uc0ac\uc5c5 \uacc4\uc88c\uc640 \uac1c\uc778 \uacc4\uc88c\ub97c \uc11e\uc5b4 \uc0ac\uc6a9\ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \ub300\ucd9c\uc774 \ubd88\uac00\ub2a5\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub2e4\ub9cc \uc785\uae08\uc758 \ucd9c\ucc98\uc640 \uc0ac\uc5c5\ube44 \uc9c0\ucd9c\uc744 \ucd94\uc801\ud558\uae30 \uc5b4\ub824\uc6cc\uc838 \uc2ec\uc0ac\uac00 \uae38\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc55e\uc73c\ub85c \uc8fc\ud0dd \uad6c\uc785\uc774\ub098 \uc7ac\uc735\uc790\ub97c \uacc4\ud68d\ud55c\ub2e4\uba74 \uc0ac\uc5c5 \ub9e4\ucd9c \uc785\uae08\uacfc \uac1c\uc778 \uc0dd\ud65c\ube44 \uacc4\uc88c\ub97c \ubd84\ub9ac\ud558\uace0, \ud070 \uae08\uc561\uc758 \ube44\uc815\uc0c1 \uc785\uae08\uc5d0\ub294 \uc124\uba85 \uc790\ub8cc\ub97c \ub0a8\uae30\ub294 \ud3b8\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

DTI\uc640 \ud604\uae08\uc790\uc0b0\uc740 \uc5ec\uc804\ud788 \uacb0\uc815\uc801\uc785\ub2c8\ub2e4<\/h3>\n

\uc18c\ub4dd\uc774 \uc778\uc815\ub418\uc5b4\ub3c4 \uc6d4 \ubaa8\uae30\uc9c0 \uc0c1\ud658\uc561, \uc7ac\uc0b0\uc138, \uc8fc\ud0dd\ubcf4\ud5d8\ub8cc, HOA \ube44\uc6a9, \uc790\ub3d9\ucc28 \ud560\ubd80, \ud559\uc790\uae08, \uc2e0\uc6a9\uce74\ub4dc \ucd5c\uc18c \ub0a9\ubd80\uc561\uc744 \ud569\uce5c DTI\uac00 \ub192\uc73c\uba74 \uc2b9\uc778\uc774 \uc81c\ud55c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uc601\uc5c5\uc790\ub294 \uc0ac\uc5c5\uccb4 \ud06c\ub808\ub527\uce74\ub4dc\ub098 \ucc28\ub7c9 \ub9ac\uc2a4\uac00 \uac1c\uc778 \uc2e0\uc6a9\ubcf4\uace0\uc11c\uc5d0 \ub098\ud0c0\ub098\ub294\uc9c0, \uc0ac\uc5c5\uccb4\uac00 \uc0c1\ud658\ud558\ub294 \ubd80\ucc44\ub97c \uc2ec\uc0ac\uc5d0\uc11c \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ud558\ub294\uc9c0\ub3c4 \ubbf8\ub9ac \uc810\uac80\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ub9ac\uc800\ube0c\ub3c4 \uc2b9\uc778 \uac00\ub2a5\uc131\uc5d0 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. \ub9ac\uc800\ube0c\ub294 \ud074\ub85c\uc9d5 \ud6c4\uc5d0\ub3c4 \ub0a8\uc544 \uc788\ub294 \ud604\uae08\uc131 \uc790\uc0b0\uc73c\ub85c, \ubcf4\ud1b5 \uba87 \uac1c\uc6d4\uce58 \uc8fc\ud0dd\ube44\uc6a9\uc744 \uae30\uc900\uc73c\ub85c \uc0b0\uc815\ub429\ub2c8\ub2e4. \uc218\uc785\uc774 \uacc4\uc808\uc801\uc73c\ub85c \ubcc0\ub3d9\ud558\ub294 \uc5c5\uc885\uc774\ub77c\uba74 \ub9ac\uc800\ube0c\uac00 \uc2ec\uc0ac \uc548\uc815\uc131\uc744 \ub192\uc5ec\uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ubaa8\ub4e0 \uc790\uc0b0\uc774 \uac19\uc740 \ubc29\uc2dd\uc73c\ub85c \uc778\uc815\ub418\ub294 \uac83\uc740 \uc544\ub2c8\ubbc0\ub85c, \uc8fc\uc2dd\u00b7\uc740\ud1f4\uacc4\uc88c\u00b7\ud574\uc678 \uc790\uae08\u00b7\uc0ac\uc5c5\uccb4 \uc790\uae08\uc758 \uc0ac\uc6a9 \uac00\ub2a5 \uc5ec\ubd80\ub97c \ud504\ub85c\uadf8\ub7a8\ubcc4\ub85c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc2ec\uc0ac \uae30\uc900 \ubcc0\ud654\uc5d0 \ub9de\ucd98 \uc11c\ub958 \uc900\ube44<\/h2>\n

\ub300\ucd9c \uc2e0\uccad \uc9c1\uc804\uc5d0 \uc11c\ub958\ub97c \ubaa8\uc73c\uae30\ubcf4\ub2e4, \ubaa9\ud45c \ub9e4\uc785 \uc2dc\uc810\ubcf4\ub2e4 \uba87 \ub2ec \uc55e\uc11c \uc815\ub9ac\ud558\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc138\uae08\ubcf4\uace0 \uc9c1\ud6c4\ub098 \uc0ac\uc5c5\uccb4 \uad6c\uc870 \ubcc0\uacbd \uc9c1\ud6c4\uc5d0\ub294 \uc11c\ub958 \uac04 \uc22b\uc790\uac00 \ub9de\uc9c0 \uc54a\ub294 \ubb38\uc81c\uac00 \uc790\uc8fc \uc0dd\uae41\ub2c8\ub2e4. \ub2e4\uc74c \uc790\ub8cc\ub294 \ubbf8\ub9ac \ud655\uc778\ud560 \uac00\uce58\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \n
  • \ucd5c\uadfc 2\ub144 \uac1c\uc778 \ubc0f \uc0ac\uc5c5\uccb4 \uc138\uae08\ubcf4\uace0\uc11c\uc640 \uad00\ub828 \uc2a4\ucf00\uc904<\/li>\n
  • \ucd5c\uadfc \uc0ac\uc5c5\uc6a9 \ubc0f \uac1c\uc778\uc6a9 \uc740\ud589\uac70\ub798\ub0b4\uc5ed 12\uac1c\uc6d4 \ub610\ub294 24\uac1c\uc6d4<\/li>\n
  • \ud604\uc7ac \uc5f0\ub3c4 \uc190\uc775\uacc4\uc0b0\uc11c\uc640 \ud544\uc694 \uc2dc \uc0ac\uc5c5\uccb4 \ub300\ucc28\ub300\uc870\ud45c<\/li>\n
  • \uc0ac\uc5c5\uc790\ub4f1\ub85d, \ubc95\uc778 \uc124\ub9bd\uc11c\ub958, \uc9c0\ubd84 \ud655\uc778\uc11c\ub958 \ubc0f CPA \ud655\uc778\uc11c<\/li>\n
  • \ub300\ud615 \uc785\uae08, \ucd5c\uadfc \uc2e0\uc6a9\uc870\ud68c, \uc2e0\uaddc \ubd80\ucc44, \ud604\uae08 \uc785\uae08\uc5d0 \ub300\ud55c \uc124\uba85 \uc790\ub8cc<\/li>\n<\/ul>\n

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\uc548\ub0b4\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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\ud544\uc694\ud55c \uc18c\ub4dd, \uc138\uae08\ubcf4\uace0\uc11c, \uc740\ud589\uac70\ub798\ub0b4\uc5ed \ud655\uc778\uc740 \ub354 \uc138\ubc00\ud574\uc84c\uc2b5\ub2c8\ub2e4. \uc0ac\uc5c5\uccb4 \uad6c\uc870\ubcc4 \uc900\ube44 \uc11c\ub958\uc640 DTI, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \ub300\uc548 \ud504\ub85c\uadf8\ub7a8 \uc120\ud0dd \uae30\uc900\uc744 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