{"id":458,"date":"2026-10-18T01:33:34","date_gmt":"2026-10-18T01:33:34","guid":{"rendered":"https:\/\/uribank.com\/wordpress1\/2026\/10\/18\/fha-conventional-mortgage-comparison\/"},"modified":"2026-10-18T01:33:34","modified_gmt":"2026-10-18T01:33:34","slug":"fha-conventional-mortgage-comparison","status":"publish","type":"post","link":"http:\/\/uribank.com\/wordpress1\/2026\/10\/18\/fha-conventional-mortgage-comparison\/","title":{"rendered":"FHA \ucee8\ubca4\uc154\ub110 \ubaa8\uae30\uc9c0 \ube44\uad50\ub85c \uc815\ub9ac\ud55c \ubbf8\uad6d \uc8fc\ud0dd \ub300\ucd9c \uc120\ud0dd \uae30\uc900"},"content":{"rendered":"

\uc9d1\uac12\ub9cc \ubcf4\uace0 \ub300\ucd9c\uc744 \uace0\ub974\uba74 \uacc4\uc57d \ud6c4 \ube44\uc6a9\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\ub294 \ub0ae\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub77c\ub294 \uc7a5\uc810\ub9cc \ubcf4\uace0 FHA\ub97c \uc120\ud0dd\ud558\uac70\ub098, \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\uc744 \ud53c\ud558\uace0 \uc2f6\ub2e4\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \ucee8\ubca4\uc154\ub110\uc744 \uace0\ub974\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 FHA \ucee8\ubca4\uc154\ub110 \ubaa8\uae30\uc9c0 \ube44\uad50<\/strong>\uc758 \ud575\uc2ec\uc740 \uc5b4\ub290 \uc0c1\ud488\uc774 \ub354 \uc88b\uc73c\ub0d0\uac00 \uc544\ub2c8\ub77c, \ud604\uc7ac\uc758 \uc2e0\uc6a9, \ud604\uae08 \ubcf4\uc720\uc561, \uc18c\ub4dd \uad6c\uc870, \ubcf4\uc720 \uae30\uac04\uc5d0 \uc5b4\ub5a4 \uad6c\uc870\uac00 \ub354 \uc720\ub9ac\ud558\ub0d0\ub97c \ud310\ub2e8\ud558\ub294 \ub370 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

FHA\uc640 \ucee8\ubca4\uc154\ub110 \ubaa8\uae30\uc9c0\ub294 \ubaa8\ub450 \ubbf8\uad6d\uc5d0\uc11c \uc8fc\ud0dd \uad6c\ub9e4\uc640 \uc7ac\uc735\uc790\uc5d0 \ub110\ub9ac \uc0ac\uc6a9\ub418\ub294 \ub300\ucd9c\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \uc815\ubd80 \uae30\uad00\uc758 \ubcf4\ud5d8\uc774 \ubd99\ub294 FHA \ub300\ucd9c\uacfc, \ubbfc\uac04 \uae08\uc735\uae30\uad00\uc758 \uae30\uc900\uc73c\ub85c \uc2ec\uc0ac\ub418\ub294 \ucee8\ubca4\uc154\ub110 \ub300\ucd9c\uc740 \uc2b9\uc778 \ubc29\uc2dd\uacfc \uc6d4 \ub0a9\uc785\uae08 \uad6c\uc870\uac00 \ub2e4\ub985\ub2c8\ub2e4. \uac19\uc740 \uc8fc\ud0dd, \uac19\uc740 \uad6c\ub9e4 \uac00\uaca9\uc774\ub77c\ub3c4 \uc120\ud0dd\uc5d0 \ub530\ub77c \ud544\uc694\ud55c \ud604\uae08\uacfc \uc7a5\uae30 \ucd1d\ube44\uc6a9\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

FHA\uc640 \ucee8\ubca4\uc154\ub110 \ubaa8\uae30\uc9c0\uc758 \uae30\ubcf8 \ucc28\uc774<\/h2>\n

FHA \ub300\ucd9c\uc740 \uc5f0\ubc29\uc8fc\ud0dd\uccad\uc758 \ubcf4\ud5d8\uc744 \uae30\ubc18\uc73c\ub85c \ud558\ub294 \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4. \ub300\ucd9c\uc744 \uc81c\uacf5\ud558\ub294 \uacf3\uc740 \uc740\ud589\uc774\ub098 \ubaa8\uae30\uc9c0 \ub80c\ub354\uc774\uc9c0\ub9cc, FHA \ubcf4\ud5d8\uc774 \uc77c\uc815 \ubd80\ubd84\uc758 \uc704\ud5d8\uc744 \ubcf4\uc644\ud569\ub2c8\ub2e4. \uadf8 \uacb0\uacfc \uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uc9c0 \uc54a\uac70\ub098 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc790\uae08\uc774 \uc81c\ud55c\uc801\uc778 \uad6c\ub9e4\uc790\ub3c4 \uc2b9\uc778 \uac00\ub2a5\uc131\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c 580\uc810 \uc774\uc0c1\uc774\uba74 3.5% \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uae30\uc900\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc73c\uba70, 500\uc810\ub300\uc758 \uacbd\uc6b0 \ub354 \ub192\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ucd94\uac00 \uc2ec\uc0ac\uac00 \uc694\uad6c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \ucd5c\uc18c \uae30\uc900\uacfc \uc2b9\uc778 \uc5ec\ubd80\ub294 \ub80c\ub354\uc758 \ub0b4\ubd80 \uac00\uc774\ub4dc\ub77c\uc778\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\ucee8\ubca4\uc154\ub110 \ubaa8\uae30\uc9c0\ub294 Fannie Mae \ub610\ub294 Freddie Mac \uac00\uc774\ub4dc\ub77c\uc778\uc5d0 \ub9de\ucdb0 \ud310\ub9e4\ub418\uac70\ub098, \uac01 \uae08\uc735\uae30\uad00\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uae30\uc900\uc73c\ub85c \uc6b4\uc601\ub418\ub294 \ub300\ucd9c\uc785\ub2c8\ub2e4. \uc2e0\uc6a9, \ubd80\ucc44 \ub300\ube44 \uc18c\ub4dd\ube44\uc728, \uc790\uc0b0, \uace0\uc6a9 \ubc0f \uc18c\ub4dd \uc548\uc815\uc131\uc744 \ubcf4\ub2e4 \uc138\ubc00\ud558\uac8c \ubc18\uc601\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uad6c\ub9e4\uc790\uac00 20% \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \ub5a0\uc62c\ub9ac\uc9c0\ub9cc, \uc790\uaca9\uc774 \ub41c\ub2e4\uba74 3%, 5%, 10% \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub85c\ub3c4 \uac00\ub2a5\ud55c \ud504\ub85c\uadf8\ub7a8\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub450 \ub300\ucd9c \ubaa8\ub450 \ub2e8\uc21c\ud788 \uc2e0\uc6a9\uc810\uc218 \ud558\ub098\ub85c \uacb0\uc815\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc6d4 \ubd80\ucc44, \uc138\uae08\ubcf4\uace0\uc11c\uc0c1\uc758 \uc18c\ub4dd, \uc740\ud589 \uc794\uace0, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ucd9c\ucc98, \uad6c\ub9e4\ud558\ub824\ub294 \uc8fc\ud0dd\uc758 \uc885\ub958\uc640 \uac00\uaca9\uc744 \ud568\uaed8 \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc628\ub77c\uc778 \uacc4\uc0b0\uae30\uc758 \uacb0\uacfc\ub294 \ucd9c\ubc1c\uc810\uc77c \ubfd0, \uc0ac\uc804\uc2b9\uc778 \uc804\uc5d0 \ucd5c\uc885 \uc870\uac74\uc73c\ub85c \ubc1b\uc544\ub4e4\uc5ec\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4.<\/p>\n

FHA \ucee8\ubca4\uc154\ub110 \ubaa8\uae30\uc9c0 \ube44\uad50\uc5d0\uc11c \uba3c\uc800 \ubcfc \ub124 \uac00\uc9c0<\/h2>\n

1. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ucd08\uae30 \ud604\uae08<\/h3>\n

\ucd08\uae30 \ud604\uae08\uc774 \ubd80\uc871\ud55c \uad6c\ub9e4\uc790\uc5d0\uac8c FHA\ub294 \ud604\uc2e4\uc801\uc778 \ucd9c\ubc1c\uc810\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. 3.5% \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub294 40\ub9cc \ub2ec\ub7ec \uc8fc\ud0dd \uae30\uc900\uc73c\ub85c 1\ub9cc4\ucc9c \ub2ec\ub7ec\uc785\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \ud074\ub85c\uc9d5 \ube44\uc6a9, \uc120\ubd88 \uc7ac\uc0b0\uc138 \ubc0f \ubcf4\ud5d8\ub8cc, \uac10\uc815 \ube44\uc6a9, \uc608\ube44\uc790\uae08\uae4c\uc9c0 \ub354\ud558\uba74 \uc2e4\uc81c \ud544\uc694\ud55c \ud604\uae08\uc740 \ub354 \ucee4\uc9d1\ub2c8\ub2e4. \uc140\ub7ec \ud06c\ub808\ub527\uc744 \ud611\uc0c1\ud558\uac70\ub098 \uc801\uaca9\ud55c \uc120\ubb3c \uc790\uae08\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\ub294\uc9c0\ub3c4 \ud568\uaed8 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ucee8\ubca4\uc154\ub110\ub3c4 3% \ub610\ub294 5% \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc635\uc158\uc774 \uac00\ub2a5\ud560 \uc218 \uc788\uc9c0\ub9cc, \ub0ae\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc77c\uc218\ub85d \uc2e0\uc6a9\uc810\uc218\uc640 \uc18c\ub4dd, \ubd80\ucc44 \ube44\uc728\uc774 \uc870\uac74\uacfc \uae08\ub9ac\uc5d0 \ub354 \ud070 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. \ud604\uae08\uc774 \ucda9\ubd84\ud558\ub2e4\uba74 10% \uc774\uc0c1\uc744 \ud22c\uc785\ud574 \uc6d4 \ub0a9\uc785\uae08\uacfc \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\ub8cc\ub97c \ub0ae\ucd94\ub294 \uc804\ub7b5\ub3c4 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ubc18\ub300\ub85c \uad6c\ub9e4 \ud6c4 \ube44\uc0c1\uc790\uae08\uc774 \uac70\uc758 \ub0a8\uc9c0 \uc54a\ub294\ub2e4\uba74, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \uacfc\ub3c4\ud558\uac8c \ub298\ub9ac\ub294 \uc120\ud0dd\uc774 \ud56d\uc0c1 \uc548\uc804\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n

2. \uc2e0\uc6a9\uc810\uc218\uc640 \ubd80\ucc44 \ub300\ube44 \uc18c\ub4dd\ube44\uc728<\/h3>\n

FHA\ub294 \uc2e0\uc6a9 \uc774\ub825\uc774 \uc9e7\uac70\ub098 \uacfc\uac70 \uc2e0\uc6a9 \ubb38\uc81c\uac00 \uc788\uc5c8\ub358 \uad6c\ub9e4\uc790\uc5d0\uac8c \uc0c1\ub300\uc801\uc73c\ub85c \uc720\uc5f0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5f0\uccb4\ub098 \uceec\ub809\uc158 \uae30\ub85d\uc774 \uc788\ub2e4\uace0 \ud574\uc11c \uc790\ub3d9\uc73c\ub85c \ubd88\uac00\ub2a5\ud55c \uac83\uc740 \uc544\ub2c8\uc9c0\ub9cc, \ucd5c\uadfc\uc758 \ub0a9\ubd80 \uc774\ub825\uacfc \ubb38\uc81c \ubc1c\uc0dd \uc0ac\uc720, \ud604\uc7ac \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uba74\ubc00\ud788 \uac80\ud1a0\ud569\ub2c8\ub2e4. \ub192\uc740 \uc6d4 \ubd80\ucc44\uac00 \uc788\uc5b4\ub3c4 \ubcf4\uc0c1 \uc694\uc778\uc774 \ucda9\ubd84\ud558\uba74 \uac80\ud1a0 \uc5ec\uc9c0\uac00 \uc0dd\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ucee8\ubca4\uc154\ub110\uc740 \ub300\uccb4\ub85c \uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uc744\uc218\ub85d \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc88b\uc740 \uc2e0\uc6a9\uc810\uc218, \uc548\uc815\uc801\uc778 \uc18c\ub4dd, \ub0ae\uc740 \ubd80\ucc44 \ube44\uc728\uc744 \uac16\ucd98 \uad6c\ub9e4\uc790\ub294 FHA\ubcf4\ub2e4 \ub0ae\uc740 \uae08\ub9ac \ub610\ub294 \ub0ae\uc740 \uc6d4 \ubcf4\ud5d8\ub8cc \uc870\uac74\uc744 \ubc1b\uc744 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc790\ub3d9\ucc28 \ud560\ubd80, \ud559\uc790\uae08, \uc2e0\uc6a9\uce74\ub4dc \ucd5c\uc18c \ub0a9\ubd80\uc561, \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc774 \uc788\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc8fc\ud0dd \uac00\uaca9\ubcf4\ub2e4 \uc6d4 \ubd80\ucc44\uac00 \uc2b9\uc778 \ud55c\ub3c4\ub97c \uba3c\uc800 \uc81c\ud55c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc790\uc601\uc5c5\uc790\uc640 \ud504\ub9ac\ub79c\uc11c\ub294 \uc2e0\uc6a9\uc810\uc218\ub9cc \ub192\ub2e4\uace0 \ucda9\ubd84\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ucee8\ubca4\uc154\ub110 \uc2ec\uc0ac\uc5d0\uc11c\ub294 \ud1b5\uc0c1 \uc138\uae08\ubcf4\uace0\uc11c\uc5d0 \ub098\ud0c0\ub09c \uc21c\uc18c\ub4dd\uacfc \uc0ac\uc5c5\uc758 \uc9c0\uc18d\uc131\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ube44\uc6a9 \uacf5\uc81c\ub97c \ud06c\uac8c \uc801\uc6a9\ud574 \uacfc\uc138\uc18c\ub4dd\uc774 \ub0ae\ub2e4\uba74, \uc2e4\uc81c \ub9e4\ucd9c\uc774 \ub192\uc544\ub3c4 \ub300\ucd9c \uac00\ub2a5 \uc18c\ub4dd\uc740 \uae30\ub300\ubcf4\ub2e4 \uc791\uac8c \uacc4\uc0b0\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uacbd\uc6b0\uc5d0\ub294 \uc138\uae08\ubcf4\uace0\uc11c, \uc740\ud589 \uc785\uae08 \ub0b4\uc5ed, \uc0ac\uc5c5\uc790 \uc11c\ub958\ub97c \uc0ac\uc804\uc5d0 \uac80\ud1a0\ud574 \uac00\ub2a5\ud55c \ud504\ub85c\uadf8\ub7a8\uc744 \ucc3e\ub294 \uacfc\uc815\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

3. \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\ub8cc\uc640 \uc7a5\uae30 \ube44\uc6a9<\/h3>\n

FHA \ub300\ucd9c\uc5d0\ub294 \ubcf4\ud1b5 \uc120\ub0a9 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\ub8cc\uc640 \uc6d4\uac04 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\ub8cc\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc120\ub0a9 \ubcf4\ud5d8\ub8cc\ub294 \ub300\ucd9c\uae08\uc5d0 \ud3ec\ud568\ud560 \uc218 \uc788\uc5b4 \ucd08\uae30 \ud604\uae08 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc9c0\ub9cc, \uadf8\ub9cc\ud07c \ub300\ucd9c \uc794\uc561\uacfc \uc774\uc790 \ubd80\ub2f4\uc774 \ub298\uc5b4\ub0a9\ub2c8\ub2e4. \ub610\ud55c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uac00 \uc801\uc740 FHA \ub300\ucd9c\uc740 \uc6d4\uac04 \ubcf4\ud5d8\ub8cc\uac00 \ub300\ucd9c \uae30\uac04 \uc804\uccb4\uc5d0 \uac78\uccd0 \uc720\uc9c0\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9d1\uac12\uc774 \uc62c\ub790\ub2e4\uace0 \ud574\uc11c \ubcf4\ud5d8\ub8cc\uac00 \uc790\ub3d9\uc73c\ub85c \uc0ac\ub77c\uc9c0\ub294 \uad6c\uc870\uac00 \uc544\ub2c8\ub77c\ub294 \uc810\uc744 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ucee8\ubca4\uc154\ub110\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uac00 20% \ubbf8\ub9cc\uc774\uba74 \uc77c\ubc18\uc801\uc73c\ub85c PMI, \uc989 \ubbfc\uac04 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\uc774 \ubd99\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc77c\uc815\ud55c \uc6d0\uae08 \uc0c1\ud658\uacfc \uc8fc\ud0dd \uac00\uce58 \uc870\uac74\uc744 \ucda9\uc871\ud558\uba74 PMI \ucde8\uc18c\ub97c \uc694\uccad\ud558\uac70\ub098, \ubc95\uc815 \uae30\uc900\uc5d0 \ub530\ub77c \uc790\ub3d9 \uc885\ub8cc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uc740 \uad6c\ub9e4\uc790\uc5d0\uac8c\ub294 \uc774 \ucc28\uc774\uac00 \uc7a5\uae30 \ube44\uc6a9\uc5d0\uc11c \uc0c1\ub2f9\ud55c \uc758\ubbf8\ub97c \uac00\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uadf8\ub807\ub2e4\uace0 FHA\uac00 \ub298 \ube44\uc2f8\ub2e4\ub294 \ub73b\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc2e0\uc6a9\uc810\uc218\uac00 \ub0ae\uc544 \ucee8\ubca4\uc154\ub110 \uae08\ub9ac\uc640 PMI\uac00 \ub192\uac8c \ucc45\uc815\ub41c\ub2e4\uba74 FHA\uc758 \ucd1d \uc6d4 \ub0a9\uc785\uae08\uc774 \ub354 \ub0ae\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc2e0\uc6a9\uc774 \uac1c\uc120\ub418\uace0 \uc8fc\ud0dd \uac00\uce58\uac00 \uc0c1\uc2b9\ud55c \ub4a4 \ucee8\ubca4\uc154\ub110 \uc7ac\uc735\uc790\ub97c \ud1b5\ud574 FHA \ubcf4\ud5d8\ub8cc \uad6c\uc870\uc5d0\uc11c \ubc97\uc5b4\ub098\ub294 \uc804\ub7b5\ub3c4 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub300\ucd9c \ube44\uad50\ub294 \uc774\uc790\uc728\ub9cc\uc774 \uc544\ub2c8\ub77c \uc6d0\uae08, \uc774\uc790, \uc138\uae08, \uc8fc\ud0dd\ubcf4\ud5d8, HOA \ube44\uc6a9, \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\uc744 \ud3ec\ud568\ud55c \uc6d4 \ucd1d\uc8fc\uac70\ube44\ub85c \ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

4. \uc8fc\ud0dd \uc885\ub958\uc640 \uc0ac\uc6a9 \ubaa9\uc801<\/h3>\n

FHA\ub294 \uc6d0\uce59\uc801\uc73c\ub85c \uad6c\ub9e4\uc790\uac00 \uc2e4\uc81c \uac70\uc8fc\ud560 \uc8fc\ud0dd\uc744 \uc704\ud55c \ub300\ucd9c\uc785\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \ud22c\uc790\uc6a9 \uc8fc\ud0dd \uad6c\ub9e4\ub098 \uc138\ucee8\ub4dc \ud648\uc5d0\ub294 \uc801\ud569\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uac10\uc815 \uacfc\uc815\uc5d0\uc11c \uc8fc\ud0dd\uc758 \uc548\uc804\uc131 \ubc0f \uae30\ubcf8\uc801\uc778 \uac70\uc8fc \uac00\ub2a5 \uc0c1\ud0dc\ub97c \ud655\uc778\ud558\uae30 \ub54c\ubb38\uc5d0, \uc218\ub9ac\uac00 \ub9ce\uc774 \ud544\uc694\ud55c \uc8fc\ud0dd\uc740 \uac70\ub798 \uc77c\uc815\uc774\ub098 \uc218\ub9ac \uc870\uac74\uc5d0 \uc601\ud5a5\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ucee8\ubca4\uc154\ub110\uc740 \ubcf8\uc778 \uac70\uc8fc \uc8fc\ud0dd\ubfd0 \uc544\ub2c8\ub77c \uc138\ucee8\ub4dc \ud648\uacfc \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uae4c\uc9c0 \uc120\ud0dd \ud3ed\uc774 \ub113\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \ud22c\uc790\uc6a9\uc740 \ub354 \ub192\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \ub354 \uc5c4\uaca9\ud55c \uc608\ube44\uc790\uae08 \uae30\uc900, \ub192\uc740 \uae08\ub9ac \ub610\ub294 \uc218\uc218\ub8cc\uac00 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucf58\ub3c4\ubbf8\ub2c8\uc5c4\uc740 \ub450 \ud504\ub85c\uadf8\ub7a8 \ubaa8\ub450 \ub2e8\uc9c0\uc758 \uc7ac\uc815 \uc0c1\ud0dc, \ubcf4\ud5d8, \uc18c\uc720\uc790 \uc810\uc720 \ube44\uc728 \ub4f1 \ubcc4\ub3c4 \uac80\ud1a0\uac00 \ud544\uc694\ud558\ubbc0\ub85c, \uc624\ud37c\ub97c \ub123\uae30 \uc804\uc5d0 \ub2e8\uc9c0 \uc801\uaca9\uc131\uc744 \ud655\uc778\ud558\ub294 \ud3b8\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n

\uc5b4\ub5a4 \uad6c\ub9e4\uc790\uc5d0\uac8c FHA\uac00 \ub354 \ub9de\uc744 \uc218 \uc788\ub098<\/h2>\n

FHA\ub294 \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\uc5d0\uac8c\ub9cc \ud5c8\uc6a9\ub418\ub294 \ub300\ucd9c\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub2e4\ub9cc \uc2e0\uc6a9\uc810\uc218\uac00 \uc544\uc9c1 \ud68c\ubcf5 \ub2e8\uacc4\uc774\uac70\ub098, 20% \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \ubaa8\uc73c\uae30\ubcf4\ub2e4 \uc801\uc815\ud55c \ud604\uae08\uc744 \ub0a8\uaca8\ub450\uace0 \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\ub824\ub294 \uc2e4\uac70\uc8fc\uc790\uc5d0\uac8c \ud2b9\ud788 \uc720\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc548\uc815\uc801\uc778 \uc6d4 \uc18c\ub4dd\uc740 \uc788\uc73c\ub098 \uc2e0\uc6a9 \uc774\ub825\uc774 \uc9e7\uc740 \uacbd\uc6b0, \ub610\ub294 \ub192\uc740 \ub80c\ud2b8\ube44\ub97c \uacc4\uc18d \ub0b4\ub294 \ub300\uc2e0 \ud569\ub9ac\uc801\uc778 \uc6d4 \ub0a9\uc785\uae08\uc73c\ub85c \ub0b4 \uc9d1 \ub9c8\ub828\uc744 \uc2dc\uc791\ud558\ub824\ub294 \uacbd\uc6b0\ub3c4 \uac80\ud1a0 \ub300\uc0c1\uc785\ub2c8\ub2e4.<\/p>\n

\uc608\ub97c \ub4e4\uc5b4 \uc2e0\uc6a9\uc810\uc218\uac00 600\uc810\ub300 \ucd08\ubc18\uc774\uace0 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub85c \uc0ac\uc6a9\ud560 \ud604\uae08\uc774 \uc81c\ud55c\uc801\uc774\ub77c\uba74 FHA \uc0ac\uc804\uc2b9\uc778\uc774 \uacc4\uc57d \uae30\ud68c\ub97c \ub113\ud790 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8, \uacbd\uc7c1\uc774 \uce58\uc5f4\ud55c \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc140\ub7ec\uac00 \uac10\uc815 \ubc0f \uc218\ub9ac \uc870\uac74\uc744 \uc6b0\ub824\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc0ac\uc804\uc2b9\uc778\uc11c\uc758 \uc2e0\ub8b0\ub3c4\uc640 \uacc4\uc57d \uad6c\uc870\ub97c \uc2e0\uc911\ud788 \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2b9\uc778 \uac00\ub2a5\uc131\ub9cc\uc774 \uc544\ub2c8\ub77c \uc624\ud37c \uacbd\uc7c1\ub825\uae4c\uc9c0 \ud568\uaed8 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ucee8\ubca4\uc154\ub110\uc774 \ub354 \uc720\ub9ac\ud560 \uc218 \uc788\ub294 \uacbd\uc6b0<\/h2>\n

\uc2e0\uc6a9\uc810\uc218\uac00 \uc591\ud638\ud558\uace0 \uc548\uc815\uc801\uc778 W-2 \uc18c\ub4dd\uc774 \uc788\uc73c\uba70, 5% \uc774\uc0c1 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ud074\ub85c\uc9d5 \ud6c4 \uc608\ube44\uc790\uae08\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\ub2e4\uba74 \ucee8\ubca4\uc154\ub110\uc744 \uc6b0\uc120 \ube44\uad50\ud560 \uac00\uce58\uac00 \ud07d\ub2c8\ub2e4. PMI\uac00 \ubd99\ub354\ub77c\ub3c4 FHA\uc758 \uc7a5\uae30 \ubcf4\ud5d8\ub8cc\ubcf4\ub2e4 \ube44\uc6a9 \uad6c\uc870\uac00 \uc720\ub9ac\ud560 \uc218 \uc788\uace0, \ud5a5\ud6c4 \ubcf4\ud5d8\ub8cc \uc81c\uac70 \uac00\ub2a5\uc131\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ub192\uc740 \uac00\uaca9\ub300 \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\uac70\ub098 FHA \uc9c0\uc5ed\ubcc4 \ub300\ucd9c \ud55c\ub3c4\ub97c \ub118\uc5b4\uc11c\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \ucee8\ubca4\uc154\ub110 \ub610\ub294 \uc810\ubcf4 \ub300\ucd9c \uac80\ud1a0\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc7ac\uc735\uc790\uc5d0\uc11c\ub3c4 \ucee8\ubca4\uc154\ub110\uc740 \uc911\uc694\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4. \uae30\uc874 FHA \ub300\ucd9c\uc758 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\ub8cc\uac00 \ubd80\ub2f4\ub418\uace0 \uc2e0\uc6a9\uacfc \uc8fc\ud0dd \uc790\uc0b0\uc774 \uac1c\uc120\ub418\uc5c8\ub2e4\uba74, \ucee8\ubca4\uc154\ub110 \uc7ac\uc735\uc790\ub85c \uc6d4 \ub0a9\uc785\uae08\uacfc \ucd1d\ube44\uc6a9\uc744 \uc870\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud604\uc7ac \uae08\ub9ac\uac00 \uae30\uc874 \uae08\ub9ac\ubcf4\ub2e4 \ub192\ub2e4\uba74 \ubcf4\ud5d8\ub8cc \uc808\uac10\ub9cc\uc73c\ub85c \uc7ac\uc735\uc790 \ube44\uc6a9\uc744 \ud68c\uc218\ud558\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\uc0c1 \uc808\uac10\uc561, \ud074\ub85c\uc9d5 \ube44\uc6a9, \uc190\uc775\ubd84\uae30\uc810, \ud5a5\ud6c4 \uc774\uc0ac \uacc4\ud68d\uc744 \ud568\uaed8 \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ud574\uc678 \uac70\uc8fc\uc790\uc640 \ube44\uc804\ud1b5 \uc18c\ub4dd\uc790\ub294 \ubcc4\ub3c4 \uc811\uadfc\uc774 \ud544\uc694\ud569\ub2c8\ub2e4<\/h2>\n

FHA\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ubbf8\uad6d \ub0b4 \ud569\ubc95\uc801 \uac70\uc8fc \ubc0f \uc2e4\uac70\uc8fc \uc694\uac74\uc744 \uc804\uc81c\ub85c \ud558\ubbc0\ub85c, \ud574\uc678 \uac70\uc8fc \ud55c\uad6d \uad6d\uc801\uc790\uac00 \ubbf8\uad6d \ud22c\uc790\uc6a9 \uc8fc\ud0dd\uc744 \ub9e4\uc785\ud558\ub294 \ubaa9\uc801\uc5d0\ub294 \ub9de\uc9c0 \uc54a\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ucee8\ubca4\uc154\ub110 \uc5ed\uc2dc \uccb4\ub958 \uc2e0\ubd84, \ubbf8\uad6d \uc2e0\uc6a9 \uae30\ub85d, \uc18c\ub4dd \ubb38\uc11c\uc5d0 \ub530\ub77c \uc774\uc6a9 \uac00\ub2a5 \uc5ec\ubd80\uac00 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc678\uad6d\uc778 \ud22c\uc790\uc790\ub098 \ubbf8\uad6d \uc2e0\uc6a9 \uc774\ub825\uc774 \ubd80\uc871\ud55c \uad6c\ub9e4\uc790\ub294 \uc678\uad6d\uc778 \ubaa8\uae30\uc9c0, DSCR \ub300\ucd9c, \uc740\ud589 \uc794\uace0 \uae30\ubc18 \ud504\ub85c\uadf8\ub7a8 \ub4f1 \ub2e4\ub978 \uc120\ud0dd\uc9c0\ub97c \uac80\ud1a0\ud574\uc57c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc790\uc601\uc5c5\uc790\ub3c4 \ud45c\uc900 FHA \ub610\ub294 \ucee8\ubca4\uc154\ub110 \uc911 \ud558\ub098\ub9cc \uace0\uc9d1\ud560 \ud544\uc694\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \ucc3d\uc5c5, \ubcf5\uc7a1\ud55c \ubc95\uc778 \uad6c\uc870, \ud070 \ube44\uc6a9 \uacf5\uc81c, \uacc4\uc808\uc131 \ub9e4\ucd9c\ucc98\ub7fc \ud45c\uc900 \uc18c\ub4dd \uc0b0\uc815\uc774 \uc5b4\ub824\uc6b4 \uc0ac\uc815\uc774 \uc788\ub2e4\uba74 \uc800\uc11c\ub958 \ud504\ub85c\uadf8\ub7a8\uc774\ub098 \uc740\ud589 \uba85\uc138\uc11c \uae30\ubc18 \ub300\ucd9c\uc774 \ub354 \uc801\ud569\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc774\ub7ec\ud55c \ud504\ub85c\uadf8\ub7a8\uc740 \uae08\ub9ac, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \uc608\ube44\uc790\uae08 \uc694\uac74\uc774 \ub2e4\ub97c \uc218 \uc788\uc73c\ubbc0\ub85c \uc6d4 \ub0a9\uc785\uae08\ub9cc \ube44\uad50\ud574\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4.<\/p>\n

\uc0ac\uc804\uc2b9\uc778 \uc804\uc5d0 \uc900\ube44\ud560 \uc11c\ub958\uc640 \uc9c8\ubb38<\/h2>\n

\uc815\ud655\ud55c \ube44\uad50\ub97c \uc704\ud574\uc11c\ub294 \ucd5c\uadfc \uae09\uc5ec\uba85\uc138\uc11c\uc640 W-2, \ucd5c\uadfc 2\ub144 \uc138\uae08\ubcf4\uace0\uc11c, \uc740\ud589 \uba85\uc138\uc11c, \uc2e0\ubd84 \ubc0f \uccb4\ub958 \uad00\ub828 \uc11c\ub958, \ud604\uc7ac \ubcf4\uc720 \ubd80\ucc44 \ub0b4\uc5ed\uc744 \uc900\ube44\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc790\uc601\uc5c5\uc790\ub294 \uc0ac\uc5c5\uccb4 \uc138\uae08\ubcf4\uace0\uc11c, \uc190\uc775\uacc4\uc0b0\uc11c, \uc0ac\uc5c5\uc790 \uacc4\uc88c \ub0b4\uc5ed\uc774 \ucd94\uac00\ub85c \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uac00 \uc120\ubb3c \uc790\uae08\uc774\ub77c\uba74 \uc81c\uacf5\uc790\uc640\uc758 \uad00\uacc4 \ubc0f \uc790\uae08 \ucd9c\ucc98\ub3c4 \ubbf8\ub9ac \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc0c1\ub2f4 \uc2dc\uc5d0\ub294 \ub2e8\uc21c\ud788 \uae08\ub9ac\uac00 \uba87 \ud37c\uc13c\ud2b8\uc778\uc9c0\ubcf4\ub2e4, FHA\uc640 \ucee8\ubca4\uc154\ub110 \uac01\uac01\uc758 \uc6d4 \ucd1d\ube44\uc6a9\uc740 \uc5bc\ub9c8\uc778\uc9c0, \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\ub8cc\ub294 \uc5b8\uc81c\uae4c\uc9c0 \ub0b4\ub294\uc9c0, \ud544\uc694\ud55c \ud604\uae08\uc740 \uc5bc\ub9c8\uc778\uc9c0, \uc2b9\uc778 \uc870\uac74\uc740 \ubb34\uc5c7\uc778\uc9c0 \ubb3c\uc5b4\ubcf4\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uacc4\uc57d\uc774 \uc9c0\uc5f0\ub420 \uc218 \uc788\ub294 \uac10\uc815 \uc870\uac74, \ucf58\ub3c4 \uc801\uaca9\uc131, \uc18c\ub4dd \ud655\uc778 \uc870\uac74\uc774 \uc788\ub294\uc9c0 \ud655\uc778\ud574\uc57c \uc608\uc0c1\uce58 \ubabb\ud55c \ubb38\uc81c\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub300\ucd9c\uc740 \uc2b9\uc778\ubc1b\ub294 \uac83\uc5d0\uc11c \ub05d\ub098\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uad6c\ub9e4 \ud6c4\uc5d0\ub3c4 \ubd80\ub2f4 \uc5c6\uc774 \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \uc6d4 \ube44\uc6a9\uacfc, \ud5a5\ud6c4 \uc7ac\uc735\uc790 \ub610\ub294 \ub9e4\uac01 \uacc4\ud68d\uae4c\uc9c0 \uace0\ub824\ud55c \uad6c\uc870\uac00 \uc88b\uc740 \ub300\ucd9c\uc785\ub2c8\ub2e4. URI Financial<\/a>\ucc98\ub7fc \uc5ec\ub7ec \ud504\ub85c\uadf8\ub7a8\uc744 \ube44\uad50\ud560 \uc218 \uc788\ub294 \ubaa8\uae30\uc9c0 \uc804\ubb38\uac00\uc640 \ud604\uc7ac \uc11c\ub958\ub97c \uae30\uc900\uc73c\ub85c \uc0ac\uc804 \uac80\ud1a0\ud558\uba74, \ub208\uc55e\uc758 \ub0ae\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ubcf4\ub2e4 \ub354 \uc911\uc694\ud55c \uc7a5\uae30 \uc120\ud0dd \uae30\uc900\uc744 \ubd84\uba85\ud558\uac8c \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

FHA \ucee8\ubca4\uc154\ub110 \ubaa8\uae30\uc9c0 \ube44\uad50\ub97c \ud1b5\ud574 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \uc2e0\uc6a9\uc810\uc218, \ubaa8\uae30\uc9c0 \ubcf4\ud5d8, \uc18c\ub4dd \uc2ec\uc0ac \uae30\uc900\uc744 \ud655\uc778\ud558\uc138\uc694. \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\uc640 \uc7ac\uc735\uc790 \uc2e0\uccad\uc790\uac00 \uc790\uc2e0\uc758 \uc790\uae08 \uacc4\ud68d\uacfc \uc7a5\uae30 \ube44\uc6a9\uc5d0 \ub9de\ub294 \ub300\ucd9c\uc744 \ud310\ub2e8\ud558\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uc720\ud615\ubcc4 \uc7a5\ub2e8\uc810\ub3c4 \uc2e4\ubb34\uc801\uc73c\ub85c \uc124\uba85\ud569\ub2c8\ub2e4. \ubbf8\ub9ac \uaf2d \ube44\uad50\ud558\uc138\uc694.<\/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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[],"class_list":["post-458","post","type-post","status-publish","format-standard","hentry","category-1"],"jetpack_publicize_connections":[],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"info","author_link":"http:\/\/uribank.com\/wordpress1\/author\/info\/"},"rttpg_comment":0,"rttpg_category":"\ubd80\ub3d9\uc0b0 \uc2dc\uc7a5 \ubd84\uc11d<\/a>","rttpg_excerpt":"FHA \ucee8\ubca4\uc154\ub110 \ubaa8\uae30\uc9c0 \ube44\uad50\ub97c \ud1b5\ud574 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \uc2e0\uc6a9\uc810\uc218, \ubaa8\uae30\uc9c0 \ubcf4\ud5d8, \uc18c\ub4dd \uc2ec\uc0ac \uae30\uc900\uc744 \ud655\uc778\ud558\uc138\uc694. \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\uc640 \uc7ac\uc735\uc790 \uc2e0\uccad\uc790\uac00 \uc790\uc2e0\uc758 \uc790\uae08 \uacc4\ud68d\uacfc \uc7a5\uae30 \ube44\uc6a9\uc5d0 \ub9de\ub294 \ub300\ucd9c\uc744 \ud310\ub2e8\ud558\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uc720\ud615\ubcc4 \uc7a5\ub2e8\uc810\ub3c4 \uc2e4\ubb34\uc801\uc73c\ub85c \uc124\uba85\ud569\ub2c8\ub2e4. \ubbf8\ub9ac \uaf2d \ube44\uad50\ud558\uc138\uc694.","_links":{"self":[{"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/posts\/458","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/comments?post=458"}],"version-history":[{"count":0,"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/posts\/458\/revisions"}],"wp:attachment":[{"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/media?parent=458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/categories?post=458"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/tags?post=458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}