{"id":4654,"date":"2023-07-28T19:17:51","date_gmt":"2023-07-28T23:17:51","guid":{"rendered":"https:\/\/koreatimesphila.com\/?p=4654"},"modified":"2023-07-28T19:17:56","modified_gmt":"2023-07-28T23:17:56","slug":"interest-rate","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/interest-rate\/","title":{"rendered":"\uae08\ub9ac\uc778\uc0c1\u2026\u201c\ubaa8\uae30\uc9c0 \ub4f1 \uac00\uacc4 \ub300\ucd9c \uc555\ubc15\u201d"},"content":{"rendered":"<p>\uc790\uae08\uc870\ub2ec \ube44\uc6a9\ubd80\ub2f4 \uc0c1\uc2b9, \uc18c\ube44\uc790 \uc808\ubc18 \ube5a\uc5d0 \uc2dc\ub2ec\ub824<\/p>\n\n\n\n<p>\uc911\uc559\uc740\ud589 \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4(FRB\u00b7\uc5f0\uc900)\uac00 26\uc77c \uae30\uc900 \uae08\ub9ac\ub97c 0.25% \uc62c\ub9bc\uc5d0 \ub530\ub77c \ubbf8\uad6d \uac00\uacc4\uc5d0\ub3c4 \uc0c1\ub2f9\ud55c \uc555\ubc15\uc774 \ubc1c\uc0dd\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4.<\/p>\n\n\n\n<p>\uc774\ubc88 \uae08\ub9ac \uc778\uc0c1\uc73c\ub85c \uc608\uae08\uacc4\uc88c \ub4f1\uc758 \uae08\ub9ac\ub3c4 \uc624\ub974\uaca0\uc9c0\ub9cc \uc2e0\uc6a9\uce74\ub4dc, \ubaa8\uae30\uc9c0, \uc790\ub3d9\ucc28, \ud559\uc790\uae08 \ub4f1 \uac01\uc885 \uac00\uacc4 \ub300\ucd9c \uae08\ub9ac\ub3c4 \uc5f0\uc1c4 \uc778\uc0c1\uc774 \ubd88\uac00\ud53c\ud558\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n\n\n\n<p>CNBC \ubc29\uc1a1\uc740 \uc774\ub0a0 \u201c\uc9c0\ub09c\ud574 3\uc6d4 \uc774\ud6c4 11\ubc88\uc9f8\uc778 \uc774\ubc88 \uae08\ub9ac \uc778\uc0c1\uc740 \uc5ec\ub7ec \ud615\ud0dc\uc758 \uac00\uacc4 \ub300\ucd9c\uacfc \uad00\ub828\ud55c \uc790\uae08 \uc870\ub2ec \ube44\uc6a9\uc744 \ub192\uc5ec \uac00\uacc4\uc5d0 \ub354 \uc555\ubc15\uc744 \uac00\ud560 \uac83\uc774\ub77c\uace0 \ubcf4\ub3c4\ud588\ub2e4. CNBC\ub294 \uc6b0\uc120 20% \uc774\uc0c1\uc73c\ub85c \uc774\ubbf8 \uc0ac\uc0c1 \ucd5c\uace0 \uc218\uc900\uc778 \uc2e0\uc6a9\uce74\ub4dc \ud3c9\uade0 \uc774\uc790\uc728\ub3c4 \uc870\ub9cc\uac04 \ub354 \uc624\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ud588\ub2e4. \ubc29\uc1a1\uc740 \uae08\uc735\uc815\ubcf4\uc5c5\uccb4 \ubc45\ud06c\ub808\uc774\ud2b8\ub97c \uc778\uc6a9\ud574 \uc2e0\uc6a9\uce74\ub4dc \uc18c\uc9c0\uc790\uc758 \uac70\uc758 \uc808\ubc18\uc774 \ub9e4\ub2ec \uce74\ub4dc \ube5a\uc5d0 \uc2dc\ub2ec\ub9ac\uace0 \uc788\ub2e4\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n\n\n\n<p>\uc774\uc640 \uad00\ub828\ud574 \uc7ac\uc815\uc815\ubcf4\uc5c5\uccb4 \uc6d4\ub81b\ud5c8\ube0c\ub294 \uc774\ubc88 \uae08\ub9ac \uc778\uc0c1\uc73c\ub85c \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\uc790\ub294 \uc55e\uc73c\ub85c 12\ub2ec \ub3d9\uc548 17\uc5b52,000\ub9cc\ub2ec\ub7ec\uc758 \uc774\uc790\ub97c \ucd94\uac00\ub85c \ubd80\ub2f4\ud574\uc57c \ud55c\ub2e4\uace0 \ucd94\uc0b0\ud588\ub2e4.<\/p>\n\n\n\n<p>\ubaa8\uae30\uc9c0(\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c)\ub85c \uc0c8\ub86d\uac8c \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\ub824\ub294 \uc774\ub4e4\uc740 \ud604\uc7ac \uc778\ud50c\ub808\uc774\uc158\uc5d0 \uc5f0\uc900\uc758 \uae08\ub9ac \uc778\uc0c1\uae4c\uc9c0 \ub354\ud574\uc9c0\uba74\uc11c \uad6c\ub9e4\ub825\uc744 \uc0c1\ub2f9\ud788 \uc783\uc5b4\ubc84\ub9b4 \uac83\uc73c\ub85c \ubd84\uc11d\ub410\ub2e4. 1\ub144\ub9c8\ub2e4 \uae08\ub9ac\uac00 \uc870\uc815\ub418\ub294 \ubcc0\ub3d9\uae08\ub9ac\ubaa8\uae30\uc9c0(ARM) \ub300\ubd80\ubd84\uc774\ub098 \uae08\ub9ac \ubcc0\ub3d9 \uc0c1\ud669\uc774 \uc989\uc2dc \ubc18\uc601\ub418\ub294 \uc8fc\ud0c1\uc790\uc0b0\uc2e0\uc6a9\ud55c\ub3c4(HELOC) \uac19\uc740 \ub300\ucd9c\uc0c1\ud488\ub3c4 \uc774\ubc88 \uae08\ub9ac \uc778\uc0c1\uc758 \uc601\ud5a5\uad8c\uc5d0 \ub193\uc600\ub2e4. \ubc45\ud06c\ub808\uc774\ud2b8\uc5d0 \ub530\ub974\uba74 HELOC\uc758 \ud3c9\uade0 \uae08\ub9ac\ub294 \uc774\ubbf8 22\ub144 \ub9cc\uc5d0 \ucd5c\uace0\uce58\uc778 8.58%\uae4c\uc9c0 \uc624\ub978 \uc0c1\ud0dc\ub2e4.<\/p>\n\n\n\n<p>\ubc18\uba74 15\ub144 \ubc0f 30\ub144\uc9dc\ub9ac \ubaa8\uae30\uc9c0 \uae08\ub9ac\ub294 \uace0\uc815\ub3fc \uc788\uace0 \uad6d\ucc44 \uc218\uc775\ub960\uacfc \uc5f0\uacc4\ub3fc \uc788\uae30 \ub54c\ubb38\uc5d0 \uc774\ubc88 \uae08\ub9ac \uc778\uc0c1\uc73c\ub85c \uc989\uac01\uc801\uc778 \uc601\ud5a5\uc740 \ubc1b\uc9c0 \uc54a\uc744 \uac83\uc73c\ub85c \uc804\ub9dd\ub410\ub2e4. 30\ub144 \uace0\uc815 \uae08\ub9ac \ubaa8\uae30\uc9c0\ub860\uc758 \ud3c9\uade0 \uae08\ub9ac\ub294 \ud604\uc7ac 7%\uc5d0 \uc721\ubc15\ud55c\ub2e4.<\/p>\n\n\n\n<p>\uc790\ub3d9\ucc28 \uad6c\ub9e4 \uad00\ub828 \ub300\ucd9c\ub3c4 \uae08\ub9ac \uc778\uc0c1 \uc5ec\ud30c\ub97c \ud53c\ud574 \uac08 \uc218 \uc5c6\uc744 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \uc790\ub3d9\ucc28 \ub300\ucd9c \uc774\uc790\ub294 \ub300\uac1c \uace0\uc815\ub3fc \uc788\uc9c0\ub9cc \uae30\uc900 \uae08\ub9ac\uac00 \uc624\ub97c \uacbd\uc6b0 \ucc28\ub7c9 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