{"id":435,"date":"2026-09-04T02:16:59","date_gmt":"2026-09-04T02:16:59","guid":{"rendered":"https:\/\/uribank.com\/wordpress1\/2026\/09\/04\/us-mortgage-frequently-asked-questions\/"},"modified":"2026-09-04T02:16:59","modified_gmt":"2026-09-04T02:16:59","slug":"us-mortgage-frequently-asked-questions","status":"publish","type":"post","link":"http:\/\/uribank.com\/wordpress1\/2026\/09\/04\/us-mortgage-frequently-asked-questions\/","title":{"rendered":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38, \uc0ac\uc804\uc2b9\uc778\ubd80\ud130 \ud074\ub85c\uc9d5\uae4c\uc9c0 \uaf2d \uc54c\uc544\ub458 10\uac00\uc9c0"},"content":{"rendered":"

\uc9d1\uc744 \uacc4\uc57d\ud558\uae30 \uc9c1\uc804\uae4c\uc9c0\ub3c4 \ub9ce\uc740 \ubd84\ub4e4\uc774 \uac19\uc740 \uc9c8\ubb38\uc744 \ud569\ub2c8\ub2e4. \u201c\ud06c\ub808\ub527 \uc810\uc218\uac00 \ucda9\ubd84\ud55c\uac00\uc694?\u201d, \u201c\uc790\uc601\uc5c5 \uc18c\ub4dd\uc73c\ub85c\ub3c4 \uac00\ub2a5\ud55c\uac00\uc694?\u201d, \u201c\ud55c\uad6d\uc5d0 \uac70\uc8fc\ud574\ub3c4 \ubbf8\uad6d \uc8fc\ud0dd\uc744 \uc0b4 \uc218 \uc788\ub098\uc694?\u201d \ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38\uc740 \ub2e8\uc21c\ud788 \ub300\ucd9c \uac00\ub2a5 \uc5ec\ubd80\ub97c \ud655\uc778\ud558\ub294 \uc218\uc900\uc744 \ub118\uc5b4, \uc5b4\ub5a4 \uc870\uac74\uacfc \uad6c\uc870\uac00 \ubcf8\uc778\uc5d0\uac8c \uac00\uc7a5 \uc720\ub9ac\ud55c\uc9c0 \ud310\ub2e8\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4.<\/p>\n

\ubaa8\uae30\uc9c0\ub294 \uae08\ub9ac \ud558\ub098\ub9cc \ube44\uad50\ud574\uc11c \uacb0\uc815\ud560 \uc0c1\ud488\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uac70\uc8fc \ubaa9\uc801, \ubcf4\uc720 \uae30\uac04, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \uc18c\ub4dd \uad6c\uc870, \uccb4\ub958 \uc2e0\ubd84, \ubcf4\uc720 \uc790\uc0b0\uc5d0 \ub530\ub77c \uc801\ud569\ud55c \ud504\ub85c\uadf8\ub7a8\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc544\ub798 \uc9c8\ubb38\uc744 \ud1b5\ud574 \uc0ac\uc804\uc2b9\uc778\uacfc \uc2e4\uc81c \ud074\ub85c\uc9d5 \uc0ac\uc774\uc5d0\uc11c \ub193\uce58\uae30 \uc26c\uc6b4 \uae30\uc900\uc744 \ud655\uc778\ud574 \ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n

\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 10\uac00\uc9c0<\/h2>\n

1. \uc0ac\uc804\uc2b9\uc778(Pre-Approval)\uc740 \uc65c \uba3c\uc800 \ubc1b\uc544\uc57c \ud558\ub098\uc694?<\/h3>\n

\uc0ac\uc804\uc2b9\uc778\uc740 \uc8fc\ud0dd\uc744 \ubcf4\uae30 \uc804\uc5d0 \ubc1b\uc744 \uc218 \uc788\ub294 \uc870\uac74\ubd80 \ub300\ucd9c \uc2b9\uc778\uc785\ub2c8\ub2e4. \ub80c\ub354 \ub610\ub294 \ubaa8\uae30\uc9c0 \ube0c\ub85c\ucee4\uac00 \ud06c\ub808\ub527, \uc18c\ub4dd, \uc790\uc0b0, \ubd80\ucc44\ub97c \uac80\ud1a0\ud55c \ub4a4 \uc608\uc0c1 \ub300\ucd9c \ud55c\ub3c4\uc640 \uc870\uac74\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4. \uc140\ub7ec\uac00 \uc5ec\ub7ec \uc624\ud37c\ub97c \ube44\uad50\ud560 \ub54c \uc0ac\uc804\uc2b9\uc778\uc11c\ub294 \uad6c\ub9e4\uc790\uc758 \uc790\uae08 \uc870\ub2ec \uac00\ub2a5\uc131\uc744 \ubcf4\uc5ec \uc8fc\ub294 \uc911\uc694\ud55c \uc790\ub8cc\uac00 \ub429\ub2c8\ub2e4.<\/p>\n

\ub2e4\ub9cc \uc0ac\uc804\uc2b9\uc778\uc774 \ucd5c\uc885 \uc2b9\uc778\uc744 \ubcf4\uc7a5\ud558\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uacc4\uc57d \ud6c4\uc5d0\ub294 \uad6c\ub9e4 \ub300\uc0c1 \uc8fc\ud0dd\uc758 \uac10\uc815\uac00, \ud0c0\uc774\ud2c0, \ubcf4\ud5d8, \ucd5c\uc885 \uc18c\ub4dd \ubc0f \uc790\uc0b0 \uc11c\ub958\uae4c\uc9c0 \ub2e4\uc2dc \uac80\ud1a0\ud569\ub2c8\ub2e4. \uc0ac\uc804\uc2b9\uc778 \uc774\ud6c4 \uc0c8 \uc790\ub3d9\ucc28 \ud560\ubd80\ub97c \uc2dc\uc791\ud558\uac70\ub098 \ud06c\ub808\ub527\uce74\ub4dc \uc794\uc561\uc744 \ud06c\uac8c \ub298\ub9ac\uba74 \uc2b9\uc778 \uc870\uac74\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

2. \ud06c\ub808\ub527 \uc810\uc218\ub294 \uba87 \uc810\ubd80\ud130 \ub300\ucd9c\uc774 \uac00\ub2a5\ud55c\uac00\uc694?<\/h3>\n

\uc815\ub2f5\uc740 \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub530\ub77c \ub2e4\ub974\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \ud06c\ub808\ub527 \uc810\uc218\uac00 \ub192\uc744\uc218\ub85d \uae08\ub9ac\uc640 \ube44\uc6a9 \uc870\uac74\uc774 \uc720\ub9ac\ud574\uc9c0\uace0, \uc120\ud0dd \uac00\ub2a5\ud55c \ud504\ub85c\uadf8\ub7a8\ub3c4 \ub113\uc5b4\uc9d1\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc810\uc218\ub9cc\uc73c\ub85c \uc2b9\uc778 \uc5ec\ubd80\uac00 \uacb0\uc815\ub418\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \uc5f0\uccb4 \uae30\ub85d, \uce74\ub4dc \uc0ac\uc6a9\ub960, \ubd80\ucc44 \ub300\ube44 \uc18c\ub4dd \ube44\uc728(DTI), \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \uc608\ube44\uc790\uae08\ub3c4 \ud568\uaed8 \ubd05\ub2c8\ub2e4.<\/p>\n

\uc608\ub97c \ub4e4\uc5b4 \uc810\uc218\uac00 \ub192\uc544\ub3c4 \uc6d4 \ubd80\ucc44\uac00 \ub9ce\uc73c\uba74 \uc6d0\ud558\ub294 \ub300\ucd9c \uae08\uc561\uc774 \ub098\uc624\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc810\uc218\uac00 \uc644\ubcbd\ud558\uc9c0 \uc54a\ub354\ub77c\ub3c4 \uc548\uc815\uc801\uc778 \uc18c\ub4dd, \ucda9\ubd84\ud55c \uc790\uc0b0, \ud070 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uac00 \uc788\ub2e4\uba74 \uac80\ud1a0 \uac00\ub2a5\ud55c \ub300\uc548\uc774 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud06c\ub808\ub527\uc744 \uae09\ud558\uac8c \uc62c\ub9ac\ub824\ub2e4 \uae30\uc874 \uacc4\uc88c\ub97c \ub2eb\uac70\ub098 \uc5ec\ub7ec \uce74\ub4dc\uc5d0 \ub3d9\uc2dc\uc5d0 \uc2e0\uccad\ud558\ub294 \ud589\ub3d9\uc740 \uc624\ud788\ub824 \ubd88\ub9ac\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc2e0\uccad \uc804 \ud604\uc7ac \ubcf4\uace0\uc11c\ub97c \uae30\uc900\uc73c\ub85c \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

3. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub294 \ubc18\ub4dc\uc2dc 20%\uac00 \ud544\uc694\ud55c\uac00\uc694?<\/h3>\n

20% \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub294 \ud754\ud55c \uae30\uc900\uc774\uc9c0\ub9cc \ubaa8\ub4e0 \uad6c\ub9e4\uc790\uc5d0\uac8c \uc758\ubb34\ub294 \uc544\ub2d9\ub2c8\ub2e4. \uc8fc\uac70\uc6a9 \uc77c\ubc18 \ub300\ucd9c\uc740 \ub354 \ub0ae\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub85c \uac00\ub2a5\ud55c \uacbd\uc6b0\uac00 \uc788\uc73c\uba70, \uadf8 \ub300\uc2e0 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8(PMI) \ub610\ub294 \ucd94\uac00 \ube44\uc6a9\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc6a9 \uc8fc\ud0dd, \ucf58\ub3c4, \ub2e4\uac00\uad6c \uc8fc\ud0dd, \uc678\uad6d\uc778 \ub300\ucd9c\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \ub354 \ub192\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \uc694\uad6c\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc911\uc694\ud55c \uac83\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \ud06c\uac8c \ud558\ub294 \uac83\ub9cc\uc774 \uc815\ub2f5\uc740 \uc544\ub2c8\ub77c\ub294 \uc810\uc785\ub2c8\ub2e4. \uacc4\uc57d\uae08\uacfc \ud074\ub85c\uc9d5 \ube44\uc6a9\uc744 \uc9c0\ubd88\ud55c \ub4a4\uc5d0\ub3c4 \ube44\uc0c1\uc790\uae08\uacfc \uc720\uc9c0\ubcf4\uc218 \uc790\uae08\uc744 \ub0a8\uaca8\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ud788 \ud22c\uc790 \ubd80\ub3d9\uc0b0\uc740 \uacf5\uc2e4, \uc218\ub9ac, \ubcf4\ud5d8\ub8cc \uc0c1\uc2b9\uc5d0 \ub300\ube44\ud55c \uc720\ub3d9\uc131\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub0ae\uc740 \uae08\ub9ac\ub97c \uc704\ud574 \ud604\uae08\uc744 \ubaa8\ub450 \ud22c\uc785\ud558\ub294 \uac83\uc774 \uc88b\uc740\uc9c0, \uc77c\ubd80 \uc790\uc0b0\uc744 \ubcf4\uc720\ud558\ub294 \uac83\uc774 \uc88b\uc740\uc9c0\ub294 \uad6c\ub9e4 \ubaa9\uc801\uacfc \ud604\uae08\ud750\ub984\uc744 \ud568\uaed8 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

4. \uc790\uc601\uc5c5\uc790\ub098 \ud504\ub9ac\ub79c\uc11c\ub294 \uc18c\ub4dd \uc99d\uba85\uc774 \uc5b4\ub824\uc6b4\uac00\uc694?<\/h3>\n

\uc790\uc601\uc5c5\uc790\uc640 \ud504\ub9ac\ub79c\uc11c\ub294 \ub300\ucd9c\uc774 \ubd88\uac00\ub2a5\ud55c \uac83\uc774 \uc544\ub2c8\ub77c, \uc18c\ub4dd\uc744 \ubcf4\uc5ec \uc8fc\ub294 \ubc29\uc2dd\uc774 W-2 \uc9c1\uc6d0\uacfc \ub2e4\ub97c \ubfd0\uc785\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \uc2ec\uc0ac\uc5d0\uc11c\ub294 \ucd5c\uadfc \uc138\uae08\ubcf4\uace0\uc11c, \uc0ac\uc5c5\uccb4 \uc11c\ub958, \uc740\ud589 \uba85\uc138\uc11c, \uc190\uc775 \uc790\ub8cc \ub4f1\uc744 \ud1b5\ud574 \uc9c0\uc18d \uac00\ub2a5\ud55c \uc18c\ub4dd\uc744 \ud655\uc778\ud569\ub2c8\ub2e4. \uc138\uae08 \uc808\uac10\uc744 \uc704\ud574 \uacf5\uc81c \ud56d\ubaa9\uc744 \ub9ce\uc774 \uc801\uc6a9\ud55c \uacbd\uc6b0, \uc138\uae08\ubcf4\uace0\uc0c1 \uc778\uc815 \uc18c\ub4dd\uc774 \uc0dd\uac01\ubcf4\ub2e4 \ub0ae\uac8c \uc0b0\uc815\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774\ub54c \uc740\ud589 \uba85\uc138\uc11c \uae30\ubc18 \ud504\ub85c\uadf8\ub7a8\uc774\ub098 \uc800\uc11c\ub958 \ud504\ub85c\uadf8\ub7a8\uc774 \ub300\uc548\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ubaa8\ub4e0 \ud504\ub85c\uadf8\ub7a8\uc774 \ubaa8\ub4e0 \uc0ac\uc5c5\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc785\uae08 \ub0b4\uc5ed\uc758 \uc131\uaca9, \uc0ac\uc5c5 \uae30\uac04, \uac1c\uc778 \uacc4\uc88c\uc640 \uc0ac\uc5c5 \uacc4\uc88c\uc758 \uc0ac\uc6a9 \ubc29\uc2dd, \ub300\ucd9c \uae08\uc561\uc5d0 \ub530\ub77c \uc2ec\uc0ac \uacb0\uacfc\uac00 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc2e0\uccad \uc9c1\uc804\uc5d0 \uacc4\uc88c\uc5d0 \uc124\uba85\ud558\uae30 \uc5b4\ub824\uc6b4 \ud070 \uae08\uc561\uc744 \uc785\uae08\ud558\ub294 \uac83\ub3c4 \ud53c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

5. \ubbf8\uad6d \uc601\uc8fc\uad8c\uc790\ub098 \uc2dc\ubbfc\uad8c\uc790\uac00 \uc544\ub2c8\uc5b4\ub3c4 \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/h3>\n

\uac00\ub2a5\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ud569\ubc95\uc801\uc778 \uccb4\ub958 \uc2e0\ubd84\uacfc \ubbf8\uad6d \ub0b4 \uc18c\ub4dd, \ud06c\ub808\ub527 \uae30\ub85d\uc744 \uac00\uc9c4 \ube44\uc601\uc8fc\uad8c\uc790\ub294 \uc77c\ubc18 \uc8fc\uac70\uc6a9 \ubaa8\uae30\uc9c0 \ud504\ub85c\uadf8\ub7a8\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ube44\uc790 \uc885\ub958, \uccb4\ub958 \uae30\uac04, \uace0\uc6a9 \ud615\ud0dc, \uc138\uae08\ubcf4\uace0 \uc5ec\ubd80\uc5d0 \ub530\ub77c \ud544\uc694\ud55c \uc11c\ub958\uc640 \uc801\uc6a9 \uac00\ub2a5\ud55c \uc870\uac74\uc740 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\ubbf8\uad6d\uc5d0 \uac70\uc8fc\ud558\uc9c0 \uc54a\ub294 \ud55c\uad6d \uad6d\uc801\uc790\ub3c4 \uc678\uad6d\uc778 \ubaa8\uae30\uc9c0(Foreign National Mortgage)\ub97c \ud1b5\ud574 \ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uad6c\ub9e4\ub97c \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \ubbf8\uad6d \ud06c\ub808\ub527 \uc810\uc218 \ub300\uc2e0 \ud574\uc678 \uc2e0\uc6a9, \uc790\uc0b0 \uc99d\ube59, \uc784\ub300 \uc218\uc785 \uac00\ub2a5\uc131, \uc5ec\uad8c \ubc0f \uc2e0\ubd84 \uc11c\ub958\ub97c \uc911\uc2ec\uc73c\ub85c \uc2ec\uc0ac\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubc18 \ub300\ucd9c\ubcf4\ub2e4 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \uae08\ub9ac\uac00 \ub192\uc744 \uc218 \uc788\uc73c\ubbc0\ub85c, \ub2e8\uc9c0 \u201c\ub300\ucd9c \uac00\ub2a5\u201d \uc5ec\ubd80\ubcf4\ub2e4 \uc804\uccb4 \ud22c\uc790 \uc218\uc775\uacfc \ubcf4\uc720 \ube44\uc6a9\uc744 \ub530\uc838\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

6. \uae08\ub9ac\ub294 \uc5b8\uc81c \ud655\uc815\ub418\uba70, \uae08\ub9ac \ub77d(Lock)\uc740 \ud574\uc57c \ud558\ub098\uc694?<\/h3>\n

\ubaa8\uae30\uc9c0 \uae08\ub9ac\ub294 \ub9e4\uc77c \ubcc0\ub3d9\ud560 \uc218 \uc788\uace0, \uac19\uc740 \ub0a0\uc5d0\ub3c4 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\ub9ac \ub77d\uc740 \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 \uc81c\uc2dc\ubc1b\uc740 \uae08\ub9ac\ub97c \uace0\uc815\ud558\ub294 \uc808\ucc28\uc785\ub2c8\ub2e4. \uacc4\uc57d \ud074\ub85c\uc9d5\uae4c\uc9c0 \ub0a8\uc740 \uae30\uac04, \uc2dc\uc7a5 \ubcc0\ub3d9\uc131, \uae08\ub9ac \uc0c1\uc2b9\uc744 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc218\uc900\uc744 \uae30\uc900\uc73c\ub85c \uacb0\uc815\ud569\ub2c8\ub2e4.<\/p>\n

\uae08\ub9ac \ub77d\uc744 \ub108\ubb34 \ube68\ub9ac \ud558\uba74 \uc5f0\uc7a5 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uace0, \ub108\ubb34 \ub2a6\uac8c \ud558\uba74 \uc2dc\uc7a5 \uae08\ub9ac\uac00 \uc624\ub97c \uc704\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uad11\uace0\uc5d0\uc11c \ubcf4\ub294 \ucd5c\uc800 \uae08\ub9ac\ub294 \ud2b9\uc815 \ud06c\ub808\ub527 \uc810\uc218, \ub0ae\uc740 \ubd80\ucc44 \ube44\uc728, \ub192\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \ud3ec\uc778\ud2b8 \uc9c0\ubd88\uc744 \uc804\uc81c\ub85c \ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ube44\uad50\ud560 \ub54c\ub294 \uae08\ub9ac\ubfd0 \uc544\ub2c8\ub77c APR, \ud3ec\uc778\ud2b8, \ub80c\ub354 \ube44\uc6a9, \ub77d \uae30\uac04\uc744 \uac19\uc740 \uae30\uc900\uc73c\ub85c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

7. \uc7ac\uc735\uc790\ub294 \uae08\ub9ac\uac00 \ub0b4\ub824\uac08 \ub54c\ub9cc \ud558\ub294 \uac83\uc778\uac00\uc694?<\/h3>\n

\uae08\ub9ac \uc778\ud558\ub294 \uc7ac\uc735\uc790\uc758 \ub300\ud45c\uc801\uc778 \uc774\uc720\uc9c0\ub9cc \uc804\ubd80\ub294 \uc544\ub2d9\ub2c8\ub2e4. \uc7ac\uc735\uc790\ub97c \ud1b5\ud574 \ub300\ucd9c \uae30\uac04\uc744 \uc870\uc815\ud558\uac70\ub098, \ubcc0\ub3d9\uae08\ub9ac\uc5d0\uc11c \uace0\uc815\uae08\ub9ac\ub85c \ubc14\uafb8\uac70\ub098, \uacf5\ub3d9 \ucc28\uc8fc\ub97c \uc815\ub9ac\ud558\uac70\ub098, \uc6d4 \ud398\uc774\uba3c\ud2b8 \uad6c\uc870\ub97c \uac1c\uc120\ud558\ub294 \ubaa9\uc801\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uae08\ub9ac\uac00 \ub0ae\uc544\uc84c\ub354\ub77c\ub3c4 \uc0c8 \ub300\ucd9c\uc758 \ube44\uc6a9\uc744 \ud68c\uc218\ud558\ub294 \ub370 \uc624\ub798 \uac78\ub9b0\ub2e4\uba74 \uc7ac\uc735\uc790\uac00 \uc720\ub9ac\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uae30\uc874 \ub300\ucd9c \uc794\uc561, \uc0c8 \uae08\ub9ac, \ud074\ub85c\uc9d5 \ube44\uc6a9, \uc608\uc0c1 \ubcf4\uc720 \uae30\uac04\uc744 \ud568\uaed8 \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 2\ub144 \uc548\uc5d0 \ub9e4\ub3c4\ud560 \uacc4\ud68d\uc774\ub77c\uba74 \uc6d4 \ub0a9\ubd80\uc561 \uc808\uac10\ubd84\ubcf4\ub2e4 \ube44\uc6a9 \ud68c\uc218 \uae30\uac04\uc774 \ub354 \uc911\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc7ac\uc735\uc790\ub294 \ud604\uc7ac \uae08\ub9ac\uc640 \ube44\uad50\ud558\ub294 \uc77c\uc774 \uc544\ub2c8\ub77c, \uc55e\uc73c\ub85c \uadf8 \uc9d1\uc744 \uc5b4\ub5bb\uac8c \ubcf4\uc720\ud560 \uac83\uc778\uc9c0 \uacb0\uc815\ud558\ub294 \uc77c\uc5d0 \uac00\uae5d\uc2b5\ub2c8\ub2e4.<\/p>\n

8. \uce90\uc2dc \uc544\uc6c3 \uc7ac\uc735\uc790\ub85c \ud22c\uc790\uae08\uc774\ub098 \uc0ac\uc5c5\uc790\uae08\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\ub098\uc694?<\/h3>\n

\uc8fc\ud0dd\uc5d0 \uc313\uc778 \uc5d0\ud034\ud2f0\ub97c \ud65c\uc6a9\ud558\ub294 \uce90\uc2dc \uc544\uc6c3 \uc7ac\uc735\uc790\ub294 \ub9ac\ubaa8\ub378\ub9c1, \ud22c\uc790\uc790\uae08, \ubd80\ucc44 \uc815\ub9ac, \uc0ac\uc5c5 \uc6b4\uc601\uc790\uae08 \ub4f1 \ub2e4\uc591\ud55c \ubaa9\uc801\uc73c\ub85c \ud65c\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc9d1\uac12 \uc0c1\uc2b9\ubd84\uc744 \ud604\uae08\ud654\ud558\ub294 \ub9cc\ud07c \uc0c8 \ub300\ucd9c \uc794\uc561\uacfc \uc6d4 \uc0c1\ud658\uc561\uc774 \uc99d\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud604\uae08\uc744 \uaebc\ub0b4\ub294 \ubaa9\uc801\uc774 \uc218\uc775 \ub610\ub294 \uc7ac\ubb34 \uac1c\uc120\uc73c\ub85c \uc774\uc5b4\uc9c0\ub294\uc9c0 \ub0c9\uc815\ud558\uac8c \ud310\ub2e8\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ud2b9\ud788 \uace0\uae08\ub9ac \uc18c\ube44\uc790 \ubd80\ucc44\ub97c \uc815\ub9ac\ud558\uae30 \uc704\ud55c \uce90\uc2dc \uc544\uc6c3\uc740 \uc6d4 \ubd80\ub2f4\uc744 \ub0ae\ucd9c \uc218 \uc788\uc9c0\ub9cc, \uc2e0\uc6a9\uce74\ub4dc \ubd80\ucc44\ub97c \uc7a5\uae30 \ubaa8\uae30\uc9c0\ub85c \uc804\ud658\ud558\ub294 \uacb0\uacfc\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ud6c4 \ub2e4\uc2dc \uce74\ub4dc \uc794\uc561\uc774 \uc313\uc774\uba74 \ubd80\ucc44 \uad6c\uc870\uac00 \ub354 \uc545\ud654\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uae08 \uc0ac\uc6a9 \uacc4\ud68d\uacfc \uc0c1\ud658 \uaddc\uc728\uc774 \ud568\uaed8 \ub9c8\ub828\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

9. \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc740 \ubcf8\uc778 \uac70\uc8fc \uc8fc\ud0dd\uacfc \ubb34\uc5c7\uc774 \ub2e4\ub978\uac00\uc694?<\/h3>\n

\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \ub354 \ub192\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \ub192\uc740 \uae08\ub9ac, \ub354 \uc5c4\uaca9\ud55c \uc608\ube44\uc790\uae08 \uc694\uac74\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub80c\ub354\ub294 \uc784\ub300 \uc218\uc785\uc774 \uc2e4\uc81c\ub85c \ubc1c\uc0dd\ud560 \uac00\ub2a5\uc131\uacfc \ucc28\uc8fc\uc758 \uae30\uc874 \ubd80\ucc44 \ubd80\ub2f4\uc744 \ud568\uaed8 \uac80\ud1a0\ud569\ub2c8\ub2e4. \ub2e8\uae30 \uc784\ub300 \uc218\uc785\uc744 \uc608\uc0c1\ud558\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc9c0\uc5ed \uaddc\uc815, \uad00\ub9ac \ube44\uc6a9, \uacc4\uc808\uc131\uae4c\uc9c0 \uace0\ub824\ud574\uc57c \ud558\uba70, \uc608\uc0c1 \ub9e4\ucd9c\ub9cc\uc73c\ub85c \ub300\ucd9c \uc2ec\uc0ac\uac00 \uc9c4\ud589\ub418\uc9c0 \uc54a\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ube60\ub978 \ub9e4\uc785\uacfc \ub2e8\uae30 \uc790\uae08\uc774 \ud544\uc694\ud55c \ud22c\uc790\uc790\ub77c\uba74 \ud558\ub4dc\uba38\ub2c8 \ub300\ucd9c\uc744 \uac80\ud1a0\ud558\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc2b9\uc778 \uc18d\ub3c4\uc640 \uc790\uc0b0 \uc911\uc2ec \uc2ec\uc0ac\uac00 \uc7a5\uc810\uc774\uc9c0\ub9cc, \uae08\ub9ac\uc640 \ube44\uc6a9\uc774 \ub192\uace0 \uae30\uac04\uc774 \uc9e7\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9e4\uc785 \ud6c4 \ub9ac\ub178\ubca0\uc774\uc158, \ub9e4\uac01 \ub610\ub294 \uc7a5\uae30 \ub300\ucd9c \uc804\ud658 \uacc4\ud68d\uc774 \uba85\ud655\ud560 \ub54c \uc801\ud569\ud55c \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n

10. \ud074\ub85c\uc9d5 \uc804\uc5d0\ub294 \uc5b4\ub5a4 \ud589\ub3d9\uc744 \ud53c\ud574\uc57c \ud558\ub098\uc694?<\/h3>\n

\ub300\ucd9c \uc2b9\uc778\uc774 \uc9c4\ud589\ub418\ub294 \ub3d9\uc548\uc5d0\ub294 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \ucd5c\ub300\ud55c \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc0c8 \ud06c\ub808\ub527 \uacc4\uc88c \uac1c\uc124, \uc790\ub3d9\ucc28 \ub610\ub294 \uac00\uad6c \ud560\ubd80 \uad6c\ub9e4, \uc9c1\uc7a5 \ubcc0\uacbd, \ud070 \ud604\uae08 \uc785\uae08, \uae30\uc874 \ubd80\ucc44 \uc0c1\ud658 \ubc29\uc2dd \ubcc0\uacbd\uc740 \ubaa8\ub450 \uc7ac\uac80\ud1a0 \uc0ac\uc720\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc790\uae08\uc740 \ucd9c\ucc98\ub97c \uc124\uba85\ud560 \uc218 \uc788\uc5b4\uc57c \ud558\uba70, \uac00\uc871 \uc9c0\uc6d0\uae08\uc774\ub77c\uba74 \uc99d\uc5ec \uc11c\ub958\uac00 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub610\ud55c \uac10\uc815\uac00\uac00 \uacc4\uc57d\uac00\ubcf4\ub2e4 \ub0ae\uac8c \ub098\uc624\uba74 \uad6c\ub9e4\uc790\uc640 \uc140\ub7ec\uac00 \uac00\uaca9\uc744 \uc7ac\ud611\uc0c1\ud558\uac70\ub098, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \ucd94\uac00\ud558\uac70\ub098, \uacc4\uc57d \uc870\uac74\uc744 \uc870\uc815\ud574\uc57c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud074\ub85c\uc9d5 \uc9c1\uc804\uae4c\uc9c0 \uc694\uccad\ub418\ub294 \uc11c\ub958\uc5d0 \ube60\ub974\uac8c \ub300\uc751\ud558\ub294 \uac83\uc774 \uc77c\uc815 \uc9c0\uc5f0\uc744 \uc904\uc774\ub294 \uac00\uc7a5 \ud604\uc2e4\uc801\uc778 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n

\ub0b4 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ub2f5\uc740 \uc11c\ub958\uc640 \ubaa9\uc801\uc5d0\uc11c \uc2dc\uc791\ub429\ub2c8\ub2e4<\/h2>\n

\ubbf8\uad6d \ubaa8\uae30\uc9c0\ub294 \uac19\uc740 \uc9d1\uc744 \uc0ac\ub354\ub77c\ub3c4 \ub204\uac00 \uc2e0\uccad\ud558\ub290\ub0d0\uc5d0 \ub530\ub77c \ucd5c\uc120\uc758 \uad6c\uc870\uac00 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. W-2 \uc18c\ub4dd\uc774 \uc788\ub294 \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790, \uc138\uae08\ubcf4\uace0 \uacf5\uc81c\uac00 \ub9ce\uc740 \uc790\uc601\uc5c5\uc790, \ubbf8\uad6d \ubc16\uc5d0 \uac70\uc8fc\ud558\ub294 \ud22c\uc790\uc790, \uc5d0\ud034\ud2f0\ub97c \ud65c\uc6a9\ud558\ub824\ub294 \uae30\uc874 \uc8fc\ud0dd \uc18c\uc720\uc790\ub294 \ud544\uc694\ud55c \ud504\ub85c\uadf8\ub7a8\uacfc \uc900\ube44 \uc11c\ub958\uac00 \uc11c\ub85c \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n

URI Financial Inc.<\/a>\ucc98\ub7fc \uc5ec\ub7ec \ub80c\ub354\uc758 \ud504\ub85c\uadf8\ub7a8\uc744 \ube44\uad50\ud560 \uc218 \uc788\ub294 \ubaa8\uae30\uc9c0 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud560 \ub54c\uc5d0\ub294 \uc608\uc0c1 \uad6c\ub9e4\uac00\ub9cc \ub9d0\ud558\uc9c0 \ub9d0\uace0, \uac70\uc8fc \ubaa9\uc801, \uc18c\ub4dd \ud615\ud0dc, \ubcf4\uc720 \uc790\uc0b0, \ud5a5\ud6c4 \ub9e4\ub3c4 \ub610\ub294 \uc784\ub300 \uacc4\ud68d\uae4c\uc9c0 \uacf5\uc720\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc815\ud655\ud55c \uc0ac\uc804 \uac80\ud1a0\ub294 \ub354 \ub9ce\uc740 \uc120\ud0dd\uc9c0\ub97c \ubcf4\uc5ec \uc8fc\uace0, \uacc4\uc57d \ud6c4 \uc608\uc0c1\uce58 \ubabb\ud55c \uc870\uac74 \ubcc0\uacbd\uc744 \uc904\uc774\ub294 \ucd9c\ubc1c\uc810\uc774 \ub429\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38\uc744 \ud1b5\ud574 \ud06c\ub808\ub527, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \uc18c\ub4dd \uc11c\ub958, \uc678\uad6d\uc778 \ub300\ucd9c, \uc7ac\uc735\uc790, \ud22c\uc790\uc6a9 \uc8fc\ud0dd \uc870\uac74\uc744 \uba85\ud655\ud788 \ud655\uc778\ud558\uc138\uc694. \ub0b4 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ud504\ub85c\uadf8\ub7a8\uacfc \uc0ac\uc804\uc2b9\uc778 \uc900\ube44 \uae30\uc900\uc744 \uc548\ub0b4\ud569\ub2c8\ub2e4. \ubbf8\uad6d \uac70\uc8fc\uc790\uc640 \ud55c\uad6d \uad6d\uc801 \ud22c\uc790\uc790\uac00 \uc54c\uc544\uc57c \ud560 \uc2e4\uc81c \uc2ec\uc0ac \ud3ec\uc778\ud2b8\ub97c \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4. 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