{"id":2344,"date":"2022-11-01T11:56:58","date_gmt":"2022-11-01T15:56:58","guid":{"rendered":"https:\/\/knn.us.com\/?p=2344"},"modified":"2022-11-01T11:57:05","modified_gmt":"2022-11-01T15:57:05","slug":"%ec%95%8c%ec%95%84%ec%95%bc-%ed%95%a0-%eb%aa%a8%ea%b8%b0%ec%a7%80-%ec%9a%a9%ec%96%b4-15%ea%b0%80%ec%a7%80","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/%ec%95%8c%ec%95%84%ec%95%bc-%ed%95%a0-%eb%aa%a8%ea%b8%b0%ec%a7%80-%ec%9a%a9%ec%96%b4-15%ea%b0%80%ec%a7%80\/","title":{"rendered":"\uc54c\uc544\uc57c \ud560 \ubaa8\uae30\uc9c0 \uc6a9\uc5b4 15\uac00\uc9c0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\ubaa8\uae30\uc9c0 \uc808\ucc28\uac00 \ubaa8\ub4e0 \uc8fc\ud0dd \uad6c\ub9e4\uc790\uc5d0\uac8c \uc5b4\ub835\uace0 \uc811\uadfc\ud558\uae30\uc5d0 \ubc85\ucc30 \uc218 \uc788\ub2e4\ub294 \uac83\uc744 \uc54c\uace0 \uc788\uc9c0\ub9cc\u00a0\uc774\ub97c \uc704\ud574 \uc790\uc8fc \uc624\ud574\ub418\ub294 \ubaa8\uae30\uc9c0 \uc6a9\uc5b4 \uba87 \uac00\uc9c0\ub97c \uc18c\uac1c\ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1.\uc0c1\ud658(Amortization)<br><br>\uc0c1\ud658\uc740 \ub2f9\uc2e0\uc774 \uac1a\uc744 \ub54c \ub2f9\uc2e0\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc774 \uc904\uc5b4\ub4dc\ub294 \uac83\uc744 \uc758\ubbf8\ud55c\ub2e4. \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uac1a\uc744 \ub54c\ub9c8\ub2e4 \uc0c1\ud658\uae08\uc758 \uc77c\ubd80\ub294 \uc6d0\uae08\uc744 \uc904\uc774\ub294 \ubc29\ud5a5\uc73c\ub85c \uc801\uc6a9\ub418\uace0, \uadf8 \uc911 \ubcc4\ub3c4\uc758 \ubd80\ubd84\uc740 \uc774\uc790\uc5d0 \uc801\uc6a9\ub41c\ub2e4. \ub300\ubd80\ubd84\uc758 \ub300\ucd9c\uc5d0\uc11c, \ub2f9\uc2e0\uc740 \ucd08\uae30 \uc0c1\ud658\uc758 \uc774\uc790\uc5d0 \ub300\ud574 \ub354 \ub9ce\uc774 \uc9c0\ubd88\ud55c\ub2e4. \ub300\ucd9c\uc774 \ub178\ub839\ud654\ub428\uc5d0 \ub530\ub77c \uc810\uc810 \ub354 \ub9ce\uc740 \uae08\uc561\uc774 \uc6d0\uae08 \uc794\uc561\uc5d0 \uc9c1\uc811 \uc801\uc6a9\ub41c\ub2e4<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. \uc5f0\uac04 \ubc31\ubd84\uc728(APR)<br><br>\ub9ce\uc740 \uc8fc\ud0dd \uad6c\uc785 \ud76c\ub9dd\uc790\ub4e4\uc740 \uc8fc\ud0dd \ub300\ucd9c\uacfc \uad00\ub828\ub41c \ube44\uc6a9\uc744 \uce21\uc815\ud558\ub294 APR \uc989 \uc5f0\uac04 \ubc31\ubd84\uc728 \uae08\ub9ac\ub97c \uc774\uc790\uc728\uacfc \ud63c\ub3d9\ud55c\ub2e4. \uc774\uc790\uc728\uc740 \ub2f9\uc2e0\uc758 \uc9d1\uc744 \uc704\ud574 \ub3c8\uc744 \ube4c\ub9ac\ub294 \ube44\uc6a9\uc774\uba70, \uadf8\uac83\uc740 \ub2f9\uc2e0\uc758 \uc6d4 \uc9c0\ubd88\uc744 \uacb0\uc815\ud55c\ub2e4. APR\uc5d0\ub294 \uc774\uc790\uc728\uc774 \ud3ec\ud568\ub418\uc9c0\ub9cc \ud560\uc778 \ud3ec\uc778\ud2b8, \ubaa8\uae30\uc9c0 \ube0c\ub85c\ucee4 \uc218\uc218\ub8cc, \uc77c\ubd80 \ub9c8\uac10 \ube44\uc6a9\uacfc \uac19\uc740 \ub2e4\ub978 \uc218\uc218\ub8cc\ub3c4 \ud3ec\ud568\ub418\uc5b4 \uc788\ub2e4. APR\uc740 \uc8fc\ud0dd \ub300\ucd9c\uc758 \ucd1d \ube44\uc6a9\uc744 \uacc4\uc0b0\ud558\uae30 \ub54c\ubb38\uc5d0 \ub354 \uad11\ubc94\uc704\ud55c \ucc99\ub3c4\uc774\ub2e4. APR\uacfc \uc774\uc790\uc728\uc740 \ubaa8\ub450 \ubc31\ubd84\uc728\ub85c \ud45c\uc2dc\ub41c\ub2e4. \uc815\ud655\ud55c \ub300\ucd9c \ube44\uad50\ub97c \uc704\ud574\uc11c\ub294 \uae08\ub9ac\uc640 APR\uc744 \ubaa8\ub450 \uac80\ud1a0\ud574\uc57c \ud55c\ub2e4.<br><br>3. \ud3c9\uac00(Appraisal)<br><br>\ud3c9\uac00\ub780 \uc2dc\uc7a5\uc5d0\uc11c \ubd80\ub3d9\uc0b0\uc758 \uac00\uce58\ub97c \ucd94\uc815\ud558\ub294 \uac83\uc774\ub2e4. \ub300\ucd9c\uc790\ub4e4\uc740 \uc9d1 \uad6c\ub9e4\uc790\uac00 \uc9d1\uc744 \uc0b4 \ub54c \uc694\uad6c \uac00\uaca9\uc774 \uac00\uce58\ub97c \ucd08\uacfc\ud558\uc9c0 \uc54a\ub294\uc9c0 \ud655\uc778\ud558\uae30 \uc704\ud574 \uc8fc\ud0dd\uc744 \uad6c\uc785\ud560 \ub54c \uac10\uc815\uc744 \uc694\uad6c\ud55c\ub2e4.  \ub300\ubd80\ubd84\uc758 \ud3c9\uac00 \ube44\uc6a9\uc740 400\ub2ec\ub7ec\uc5d0\uc11c 700\ub2ec\ub7ec \uc0ac\uc774\uc774\uba70 \ub9c8\uac10 \ube44\uc6a9\uc5d0 \ud3ec\ud568\ub420 \uc218 \uc788\ub2e4. \uadf8\ub7ec\ub098 \uc77c\ubd80 \ub300\ucd9c\uc5c5\uccb4\ub294 \uc120\ubd88\ub85c \uc9c0\ubd88\ud574\uc57c \ud55c\ub2e4.<br><br>4. \ub9c8\uac10 \ube44\uc6a9(Closing Costs)<br><br>\uc774\uac83\ub4e4\uc740 \uc9d1\uc744 \uc0b4 \ub54c \ub300\ucd9c\uc790\ub4e4\uc774 \uccad\uad6c\ud558\ub294 \uc218\uc218\ub8cc\uc774\ub2e4. \uc7ac\uc0b0\uacfc \uc704\uce58\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2e4\ub974\uc9c0\ub9cc \uc2e0\uc6a9 \ubcf4\uace0\uc11c \uc6b4\uc601 \ube44\uc6a9, \uc11c\ub958 \ucc98\ub9ac \ube44\uc6a9, \ubcc0\ud638\uc0ac \uc11c\ube44\uc2a4 \ube44\uc6a9, \uc7ac\ud0dd \uac80\uc0ac \ube44\uc6a9 \ub4f1\uc744 \ud3ec\ud568\ud560 \uc218 \uc788\ub2e4. \uc774\ub7ec\ud55c \ube44\uc6a9\uc740 \uad6c\ub9e4\uc790\ub098 \ud310\ub9e4\uc790\uac00 \uc9c0\ubd88\ud560 \uc218 \uc788\uc73c\uba70, \uc2ec\uc9c0\uc5b4 \uc8fc\ud0dd\uc758 \ud310\ub9e4\ub97c \ud611\uc0c1\ud560 \ub54c \ub2e4\ub8e8\uc5b4\uc9c8 \uc218\ub3c4 \uc788\ub2e4.<br><br>5. \uc6b0\ubc1c\uc0c1\ud669(Contingency)<br><br>\uc9d1\uc744 \uc0ac\uae30 \uc804\uc5d0 \ud611\uc0c1 \ud14c\uc774\ube14\uc5d0 \uc788\uc744 \ub54c \ubcf8\uc778\uc774\ub098 \ub9e4\ub3c4\uc778\uc774 \ub9cc\uc77c\uc758 \uc0ac\ud0dc\ub97c \uc694\uad6c\ud560 \uc218 \uc788\ub294\ub370, \uc774\ub294 \uacc4\uc57d\uc774 \ubc95\uc801 \uad6c\uc18d\ub825\uc744 \uac16\uae30 \uc804\uc5d0 \ubc18\ub4dc\uc2dc \ucda9\uc871\ub418\uc5b4\uc57c \ud558\ub294 \uc870\uac74\uc774\ub2e4. \uc8fc\ud0dd \ub9e4\ub9e4\uc758 \uc77c\ubc18\uc801\uc778 \uc6b0\ubc1c\uc0c1\ud669\uc740 \uc8fc\ud0dd \uc810\uac80\uc774\ub2e4. \ub530\ub77c\uc11c \uc774 \uacbd\uc6b0, \uad6c\ub9e4\uc790\uac00 \uc9d1\uc744 \uac80\uc0ac\ud558\uc9c0 \uc54a\uc73c\uba74 \ub9e4\ub9e4 \uacc4\uc57d\uc740 \uad6c\uc18d\ub825\uc774 \uc5c6\ub2e4.<br><br>6. \ud560\uc778 \ud3ec\uc778\ud2b8(Discount Points)<br><br>\ud3ec\uc778\ud2b8\ub77c\uace0\ub3c4 \ubd88\ub9ac\ub294 \ud560\uc778 \ud3ec\uc778\ud2b8\ub97c \uc0ac\uc6a9\ud558\uba74 \uc8fc\ud0dd \ub300\ucd9c\uc758 \uae08\ub9ac\ub97c &#8220;\ub9e4\uc218&#8221;\ud558\uac70\ub098 \ub0ae\ucd9c \uc218 \uc788\ub2e4. \ud560\uc778 \ud3ec\uc778\ud2b8 1\uac1c\uc5d0 \ub4dc\ub294 \ube44\uc6a9\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \ub300\ucd9c \uae08\uc561\uc758 1%\uc5d0 \ud574\ub2f9\ud558\uba70, \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c \uae08\ub9ac\ub97c 0.25% \ub0ae\ucd98\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc774\uc790\uc728\uc774 4%\uc778 250,000\ub2ec\ub7ec \ub300\ucd9c\uc5d0\uc11c, \ud558\ub098\uc758 \ud560\uc778 \ud3ec\uc778\ud2b8\ub294 2,500\ub2ec\ub7ec\uac00 \ub4e4\uace0 \uc774\uc728\uc744 3.75%\ub85c \ub0ae\ucd9c \uac83\uc774\ub2e4. 3\ud3ec\uc778\ud2b8\ub97c \uad6c\ub9e4\ud558\uba74 7,500\ub2ec\ub7ec\uac00 \ub4e4\uace0, \uc0c8\ub85c\uc6b4 \uc774\uc790\uc728\uc740 3.25%\uac00 \ub41c\ub2e4.<br><br>7. \uc5d0\uc2a4\ud06c\ub85c(Escrow)<br><br>\ub9e4\ub144, \uad6c\ub9e4\uc790\ub294 \uc9d1\uc744 \uc704\ud574 \uc138\uae08, \uc9d1\uc8fc\uc778\uc758 \ubcf4\ud5d8, \uadf8\ub9ac\uace0 \uac1c\uc778 \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c \ubcf4\ud5d8\uc744 \uc9c0\ubd88\ud560 \ucc45\uc784\uc774 \uc788\ub2e4. \ub300\ucd9c\uc790\ub294 \uad6c\ub9e4\uc790\uc758 \uc7ac\uc0b0\uacfc \uad00\ub828\ub41c \uc774\ub7ec\ud55c \ube44\uc6a9\uc744 \uc9c0\ubd88\ud558\uae30 \uc704\ud574 \uad6c\ub9e4\uc790\ub97c \ub300\uc2e0\ud558\uc5ec \uc5d0\uc2a4\ud06c\ub85c \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\ub2e4. \uc5d0\uc2a4\ud06c\ub85c\ub294 \uc774\ub7ec\ud55c \ucd94\uac00 \ube44\uc6a9\uc744 \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \ub2f4\ubcf4 \ub300\ucd9c\uae08\uc758 \uc77c\ubd80\ub85c \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \uc9c0\ubd88\ud55c\ub2e4. \uadf8\ub9ac\uace0 \ub098\uc11c, \uc774 \uc790\uae08\uc740 \uac01\uac01\uc758 \uc9c0\ubd88\uc774 \ub9cc\ub8cc\ub420 \ub54c \uc9c0\ucd9c\ub41c\ub2e4.<br><br>8. \uc720\uce58\uad8c(Lien)<br><br>\uc720\uce58\uad8c\uc740 \ubaa8\uae30\uc9c0 \uc804\uc561\uc744 \uc0c1\ud658\ud560 \ub54c\uae4c\uc9c0 \uc720\uc9c0\ub418\ub294 \uc8fc\ud0dd \uc735\uc790 \uc81c\uacf5\uc790\uac00 \uadc0\ud558\uc758 \uc8fc\ud0dd\uc5d0 \ub300\ud55c \ubc95\uc801 \uccad\uad6c\uad8c\uc774\ub2e4.\u00a0\ub300\ucd9c\uae08\uc744 \uc0c1\ud658\ud560 \ub54c\uae4c\uc9c0 \uc9d1\uc774 \ub2f4\ubcf4\ub85c \uc0ac\uc6a9\ub418\uc9c0\ub9cc \uacc4\uc18d \uc9c0\ubd88\ud558\ub294 \ud55c \uc9d1\uc740 \uc704\ud5d8\ud558\uc9c0 \uc54a\ub2e4.<br><br>9. \ub300\ucd9c \uac00\uce58 \ube44\uc6a9[LTV(Loan-to-Value Ratio)]<br><br>LTV\ub294 \uc8fc\ud0dd \uc735\uc790 \uae08\uc561\uc744 \uc8fc\ud0dd \uac00\uce58\ub85c \ub098\ub208 \uac12\uc774\ub2e4.\u00a0\uc608\ub97c \ub4e4\uc5b4 \uac10\uc815\uac00\uac00 $100,000\uc778 \uc8fc\ud0dd\uc5d0 \ub300\ud574 $90,000\ub97c \ube4c\ub9b0\ub2e4\uba74 LTV\ub294 90%\uac00 \ub41c\ub2e4.\u00a0\uc774 \ube44\uc728\uc740 \ubaa8\uae30\uc9c0 \uc778\uc218(\uc544\ub798 \ucc38\uc870) \ubc0f \ub300\ucd9c \uc7ac\uc735\uc790\uc5d0 \uc911\uc694\ud558\ub2e4.<br><br>10. \ub9cc\uae30\uc77c(Maturity Date)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\uac83\uc740 \ub2f4\ubcf4 \ub300\ucd9c\uc5d0 \ub300\ud55c \ubaa8\ub4e0 \uc6d0\uae08\uacfc \uc794\uc5ec \uc774\uc790\uc5d0 \ub300\ud55c \ucd5c\uc885 \uc9c0\ubd88 \uae30\ud55c\uc774\ub2e4. <br><br>11. \ubbfc\uac04 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8[PMI (Private Mortgage Insurance)]<br><br>\ub300\ubd80\ubd84\uc758 \uc804\ud1b5\uc801\uc778 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \uacbd\uc6b0, 20% \ubbf8\ub9cc\uc774\uba74 \uac1c\uc778 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ubcf4\ud5d8\uc774 \ud544\uc694\ud558\ub2e4. PMI\ub294 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc5f0\uccb4\ud560 \uacbd\uc6b0 \ub300\ucd9c\uc790\ub97c \uc190\uc2e4\ub85c\ubd80\ud130 \ubcf4\ud638\ud55c\ub2e4.<br><br>12. \uc0ac\uc804\uc2b9\uc778(Preapproval)<br><br>\ub300\ucd9c\uc790\ub294 \uc7a0\uc7ac\uc801 \uc8fc\ud0dd \uad6c\ub9e4\uc790\uac00 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \ubc1b\uc744 \uc790\uaca9\uc774 \uc788\ub294\uc9c0 \ud655\uc778\ud558\uae30 \uc704\ud574 &#8220;\uc2b9\uc778&#8221;\ud558\uace0 \uae08\uc561\uc744 \uba85\uc2dc\ud55c\ub2e4. \ub300\ucd9c\uc790\ub294 \uc0ac\uc804 \uc2b9\uc778 \uacfc\uc815\uc5d0\uc11c \uadc0\ud558\uc758 \uc2e0\uc6a9 \uc810\uc218 \ud655\uc778, \uc18c\ub4dd \ubc0f \uace0\uc6a9 \ud655\uc778 \ub4f1 \uadc0\ud558\uc758 \uc7ac\ubb34 \uc815\ubcf4\ub97c \uac80\ud1a0\ud569\ub2c8\ub2e4. \ub300\ucd9c\uc57d\uc815\uc740 \uc544\ub2c8\uc9c0\ub9cc, \ud310\ub9e4\uc790\uc5d0\uac8c \ub2f9\uc2e0\uc774 \ub2f4\ubcf4\ub300\ucd9c\uc744 \ubc1b\uc744 \ub9cc\ud07c \ucda9\ubd84\ud788 \uc2e0\ub8b0\ud560 \uc218 \uc788\uace0 \uc7ac\uc815\uc801\uc73c\ub85c \uc548\uc815\uc801\uc774\ub77c\ub294 \uac83\uc744 \ubcf4\uc5ec\uc900\ub2e4. \uadf8\ub9ac\uace0 \uadf8\uac83\uc740 \uc5ec\ub7ec\ubd84\uc774 \uc5bc\ub9c8\ub098 \ube4c\ub9b4 \uc218 \uc788\ub294\uc9c0, \uadf8\ub9ac\uace0 \uadf8\uac83\uc774 \uc5bc\ub9c8\uac00 \ub4e4\uc9c0\uc5d0 \ub300\ud55c \uc544\uc8fc \uc88b\uc740 \uc544\uc774\ub514\uc5b4\ub97c \uc90d\ub2c8\ub2e4.<br><br>13. \uc0ac\uc804 \uc790\uaca9(Prequalification)<br><br>\uc0ac\uc804 \uc2b9\uc778\uacfc \uc720\uc0ac\ud558\uac8c, \uc0ac\uc804 \uc790\uaca9 \uc694\uac74\uc740 \uc9c0\ub09c 2\ub144 \ub3d9\uc548\uc758 \uc7ac\uc815 \uc0c1\ud669\uc744 \ubc14\ud0d5\uc73c\ub85c \ub2f9\uc2e0\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c\uc758 \uaddc\ubaa8\ub97c \ucd94\uc815\ud558\ub294 \uac83\uc774\ub2e4. \uadf8\ub7ec\ub098 \uc0ac\uc804 \uc2b9\uc778\uacfc \ub2ec\ub9ac \uc0ac\uc804 \uc790\uaca9\uacfc \uad00\ub828\ub41c \uc2e0\uc6a9 \ubcf4\uace0\uc11c\ub098 \uacf5\uc2dd\uc801\uc778 \ub2f4\ubcf4 \ub300\ucd9c \uc2e0\uccad\uc740 \uc5c6\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">14. \ud0c0\uc774\ud2c0(Title)<br><br>\uad6c\ub9e4\uc790\uc758 \uc9d1\uc758 \uc815\ub2f9\ud55c \uc18c\uc720\uc790\ub77c\ub294 \ubc95\uc801 \ubb38\uc11c. \uad6c\ub9e4\uc790\uc758 \ub178\ub825\uc73c\ub85c \uc5bb\uc5b4\uc9c4 \uac83\uc778 \ub9cc\ud07c \uc18c\uc911\ud788 \uac04\uc9c1\ud574\uc57c \ud55c\ub2e4.<br><br>15. \uc778\uc218(Underwriting)<br><br>\uc774\uac83\uc740 \ub300\ucd9c\uc790\ub4e4\uc774 \ud2b9\uc815 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc2e0\uccad\uc774 \uc2b9\uc778\ub418\uc5c8\ub294\uc9c0 \uc5ec\ubd80\ub97c \uacb0\uc815\ud558\uae30 \uc704\ud574 \ucde8\ud558\ub294 \uacfc\uc815\uc774\ub2e4. \uc778\uc218\uc790\uac00 \uace0\ub824\ud558\ub294 \ub9ce\uc740 \uac83\ub4e4\uc740 \uc2e0\uc6a9, \ub2a5\ub825, \ub2f4\ubcf4\ub77c\ub294 \uc138 \uac00\uc9c0\uc758 \uac83\uc774\ub2e4.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/patch-com.translate.goog\/us\/across-america\/45-restaurants-open-thanksgiving-day-2022-applebee-s-wendy-s?_x_tr_sl=en&amp;_x_tr_tl=ko&amp;_x_tr_hl=ko&amp;_x_tr_pto=sc\"><\/a><a href=\"https:\/\/patch-com.translate.goog\/us\/across-america\/45-restaurants-open-thanksgiving-day-2022-applebee-s-wendy-s?_x_tr_sl=en&amp;_x_tr_tl=ko&amp;_x_tr_hl=ko&amp;_x_tr_pto=sc\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubaa8\uae30\uc9c0 \uc808\ucc28\uac00 \ubaa8\ub4e0 \uc8fc\ud0dd \uad6c\ub9e4\uc790\uc5d0\uac8c \uc5b4\ub835\uace0 \uc811\uadfc\ud558\uae30\uc5d0 \ubc85\ucc30 \uc218 \uc788\ub2e4\ub294 \uac83\uc744 \uc54c\uace0 \uc788\uc9c0\ub9cc\u00a0\uc774\ub97c \uc704\ud574 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