{"id":958,"date":"2022-07-28T10:44:55","date_gmt":"2022-07-28T14:44:55","guid":{"rendered":"https:\/\/knn.us.com\/?p=958"},"modified":"2022-07-28T10:53:33","modified_gmt":"2022-07-28T14:53:33","slug":"%ec%97%b0%ec%a4%80-0-75-%ea%b8%88%eb%a6%ac-%ec%9d%b8%ec%83%81-%ed%96%a5%ed%9b%84-%eb%af%b8-%ea%b2%bd%ec%a0%9c-%ec%98%81%ed%96%a5","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/%ec%97%b0%ec%a4%80-0-75-%ea%b8%88%eb%a6%ac-%ec%9d%b8%ec%83%81-%ed%96%a5%ed%9b%84-%eb%af%b8-%ea%b2%bd%ec%a0%9c-%ec%98%81%ed%96%a5\/","title":{"rendered":"\uc5f0\uc900, 0.75% \uae08\ub9ac \uc778\uc0c1 \ud5a5\ud6c4 \ubbf8 \uacbd\uc81c \uc601\ud5a5"},"content":{"rendered":"<p>\uae08\ub9ac\uac00 \uacc4\uc18d \uc0c1\uc2b9\ud568\uc5d0 \ub530\ub77c, \uc7a0\uc7ac\uc801\uc778 \uc8fc\ud0dd \uc18c\uc720\uc790\uc640 \ud604\uc7ac \uc8fc\ud0dd \uc18c\uc720\uc790\uc758 \ubaa8\uae30\uc9c0\ub860\uc740 \uae34\ucd95 \ud1b5\ud654 \uc815\ucc45\uc758 \uc601\ud5a5\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4. <\/p>\n\n\n\n<p>\ubbf8\uad6d \uc804\uc5ed\uc758 \uc778\ud50c\ub808\uc774\uc158\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \uc5f0\uc900\uc740 7\uc6d4 27\uc77c \ud68c\uc758\uc11c \ub2e8\uae30 \uae08\ub9ac\ub97c 0.75% \uc778\uc0c1\ud588\ub2e4.&nbsp;\uc774\ub294 6\uc6d4\uc5d0 \ubc1c\ud45c\ub41c&nbsp;0.75% \uc778\uc0c1\uc5d0 \ub530\ub978 \uac83\uc774\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc5f0\ubc29 \uc900\ube44 \uc740\ud589\uc740 \ubb34\uc5c7\ud558\ub098?<\/h3>\n\n\n\n<p>\uc5f0\ubc29 \uc900\ube44&nbsp;\uc740\ud589(Fed)\uc740 \ubbf8\uad6d\uc758 \uc911\uc559 \uc740\ud589\uc774\uba70 \ubbf8\uad6d\uc758 \uc804\uccb4 \uc740\ud589 \uc2dc\uc2a4\ud15c\uc744 \uac10\ub3c5\ud55c\ub2e4.&nbsp;\ubbf8\uad6d\uc5d0\uc11c \uac00\uc7a5 \uac15\ub825\ud55c \uae30\uad00 \uc911 \ud558\ub098\uc778 \uc774 \uc740\ud589\uc740 \ubbf8\uad6d \uc804\uc5ed\uc758 \ub2e4\ub978 \ubaa8\ub4e0 \uc740\ud589\uc744 \uaddc\uc81c\ud558\uace0 \uacbd\uc81c \uac74\uc804\uc131\uc744 \ud1b5\uc81c\ud558\uae30 \uc704\ud574 \ud544\uc694\uc5d0 \ub530\ub77c \uc5f0\ubc29\uae30\uae08 \uae08\ub9ac\ub97c \ubcc0\uacbd\ud558\uc5ec \uc18c\ube44\uc790\uc758 \uc2e0\uc6a9\uad8c\uc744 \ubcf4\ud638\ud55c\ub2e4.&nbsp;\uc5b4\ub5a4 \uc2ec\uac01\ud55c \uc0c1\ud669\uc5d0\uc11c \uc5f0\uc900\uc740 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uacfc 2008\ub144 \uae08\uc735 \uc704\uae30 \ub3d9\uc548 \uadf8\ub7ac\ub358 \uac83\ucc98\ub7fc \ubbf8\uad6d\uc5d0 \ub300\ud55c \ub300\ucd9c \uae30\uad00 \uc5ed\ud560\uc744 \ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n\n\n\n<p>\uc5f0\ubc29\uae30\uae08 \uae08\ub9ac \ub610\ub294 \uc5f0\ubc29\uae30\uae08 \uc2dc\uc7a5\uc5d0\uc11c \ud558\ub8fb\ubc24 \uc0ac\uc774\uc5d0 \ub300\ucd9c\uc744 \uc704\ud574 \uc740\ud589\uc774 \uc9c0\ubd88\ud558\ub294 \uc774\uc790\uc728\uc740 \ubbf8\uad6d \ub2ec\ub7ec\uc758 \uac00\uce58\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uba70 \uc740\ud589 \ub300\ucd9c, \ubaa8\uae30\uc9c0 \ubc0f \uc2e0\uc6a9 \uce74\ub4dc\uc758 \uc774\uc790\uc728\uc774 \uc124\uc815\ub418\ub294 \ubc29\uc2dd\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud55c\ub2e4.<\/p>\n\n\n\n<p>\uc5f0\uc900\uc758 \ubaa9\ud45c\ub294 \uc804\uad6d\uc801\uc73c\ub85c \ub3c8\uc744 \uc548\uc804\ud558\uace0 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ud558\ub294 \uac83\uc774\uba70, \uc815\ubd80\uc640 \ub3c5\ub9bd\uc801\uc73c\ub85c \ud1b5\ud654 \uacf5\uae09\uc774 \ub108\ubb34 \ube60\ub974\uac8c \uc99d\uac00\ud558\uc5ec \uc778\ud50c\ub808\uc774\uc158\uc744 \uc720\ubc1c\ud560 \uc218 \uc788\uac70\ub098 \ub108\ubb34 \ub290\ub9ac\uac8c \uc99d\uac00\ud558\uc5ec \uacbd\uae30 \uce68\uccb4\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc5c6\ub3c4\ub85d \ud569\ub2c8\ub2e4.&nbsp;\uc218\uc694\uc640 \uacf5\uae09\uc744 \uacac\uc81c\ud558\uace0 \uac74\uac15\ud55c \ub178\ub3d9 \uc2dc\uc7a5\uc744 \ub9cc\ub4e4\uae30 \uc704\ud574 \ud544\uc694\ud55c \ub9cc\ud07c \uacbd\uc81c\ub97c \uc790\uadf9\ud55c\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\uae08\ub9ac \uc778\uc0c1\uc774 \uacbd\uc81c \ubbf8\uce58\ub294 \uc601\ud5a5\uc740?<\/h3>\n\n\n\n<p>\uacbd\uc81c\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \uc704\ud574 \uc5f0\uc900\uc740 \uc900\ube44\uae08 \uc694\uac74 \ub610\ub294 \uc740\ud589\uc774 \uace0\uac1d \uc608\uae08\uc5d0\uc11c \ubcf4\uc720\ud574\uc57c \ud558\ub294 \uae08\uc561\uc744 \ubcc0\uacbd\ud560 \uc218 \uc788\ub2e4.&nbsp;\uc774\uc790\uc728\uc774 \ub192\uc544\uc9c0\uba74 \ucc28\uc785 \ube44\uc6a9\uc774 \ub192\uc544\uc838 \uad81\uadf9\uc801\uc73c\ub85c \uc18c\ube44\uc790 \uc9c0\ucd9c\uc774 \uc904\uc5b4\ub4e0\ub2e4.&nbsp;\uc774\ub294 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc218\uc694 \uac10\uc18c\ub85c \uc774\uc5b4\uc838 \uc778\ud50c\ub808\uc774\uc158\uc744 \ub0ae\ucd94\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4.&nbsp;\uadf8\ub7ec\ub098 \uc5f0\uc900\uc740 \ub192\uc740 \uae08\ub9ac\uac00 \uacbd\uc81c\uc5d0 \ub108\ubb34 \uc2ec\uac01\ud55c \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uacbd\uae30 \uce68\uccb4\ub97c \uc77c\uc73c\ud0a4\uc9c0 \uc54a\ub3c4\ub85d \ud558\uae30 \uc704\ud574 \ubbf8\uc138\ud55c \uc120\uc744 \uac78\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n<p>\uc5f0\uc900\uc740 \ud1b5\ud654 \uc815\ucc45\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc5f0\ubc29 \uae30\uae08 \uae08\ub9ac \ub610\ub294 \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uae08\ub9ac\ub97c \ubcc0\uacbd\ud560 \uc218\ub3c4 \uc788\ub2e4.&nbsp;\uc774\ub294 \uc5f0\uc900\uc774 \uc774\uc790\uc728(\ud560\uc778\uc728\uc774\ub77c\uace0\ub3c4 \ud568)\uc744 \uacb0\uc815\ud55c\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud558\uba70, \uc774\ub294 \ud68c\uc6d0 \uc740\ud589\uc774 \ub3c8\uc744 \ube4c\ub9b4 \ub54c\ub9c8\ub2e4 \uc9c0\ubd88\ud55c\ub2e4.&nbsp;\uc5f0\uc900\uc740 \ub610\ud55c \ubbf8\uad6d\uc758 \ub2e8\uae30 \ub300\ucd9c\uc5d0 \ub300\ud55c \ucc28\uc785 \ube44\uc6a9\uc744 \uc124\uc815\ud558\uc5ec \uad6d\uac00\uc758 \ud1b5\ud654 \uacf5\uae09 \ubcc0\ub3d9\uc5d0 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p>\uacbd\uc81c \uc0c1\ud669\uc5d0 \ub530\ub77c \uc694\uae08\uc774 \uc778\uc0c1\ub418\uac70\ub098 \uc778\ud558\ub41c\ub2e4.&nbsp;\uc774 \ud1b5\uc81c\ub294 \uc804\uccb4 \uacbd\uc81c\uc5d0 \ud30c\uae09 \ud6a8\uacfc\ub97c \ubbf8\uce58\uba70 \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c, \ubaa8\uae30\uc9c0 \ubc0f \uc2e0\uc6a9 \uce74\ub4dc\uc640 \uac19\uc740 \ub300\ucd9c\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4.&nbsp;\uc778\ud50c\ub808\uc774\uc158\uc728\uc774 \uc124\uc815\ub418\uba74 \uc5f0\uc900\uc740 \ud544\uc694\uc5d0 \ub530\ub77c \ud1b5\ud654 \uacf5\uae09\uc744 \ud655\ub300\ud558\uac70\ub098 \ucd95\uc18c\ud558\uc5ec \ubaa9\ud45c \uace0\uc6a9\ub960\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uacbd\uc81c \uc131\uc7a5\uc744 \uc548\uc815\uc2dc\ud0ac \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ucd5c\uadfc \uae08\ub9ac \uc778\uc0c1\uc740 \ub098\uc5d0\uac8c \uc5b4\ub5a4 \uc758\ubbf8\ub97c \uc8fc\ub098?<\/h3>\n\n\n\n<p>\uc804\uccb4 \uacbd\uc81c\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4.&nbsp;\uc5f0\uc900\uc774 \uc5f0\ubc29\uae30\uae08 \uae08\ub9ac\ub97c \uc778\uc0c1\ud568\uc5d0 \ub530\ub77c \uc740\ud589\ub4e4\ub3c4 \uae08\ub9ac\ub97c \uc778\uc0c1\ud560 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4.<\/p>\n\n\n\n<p>\uc740\ud589\uc740 \uace0\uac1d\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 \uac83\ubcf4\ub2e4 \ub354 \ub192\uc740 \uc774\uc728\ub85c \ucc28\uc785\ud558\uc9c0 \uc54a\ub3c4\ub85d \ud558\uace0 \uc2f6\uc5b4\ud55c\ub2e4. \uc774\ub294 \uc774\uc775 \uc190\uc2e4\uc744 \ucd08\ub798\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.&nbsp;\ub354 \ub192\uc740 \ucc28\uc785 \uc774\uc790\uc728\uc744 \uc0c1\uc1c4\ud558\uae30 \uc704\ud574 \uc740\ud589\uc740 \uc774\uc790\uc728\uc744 \ub192\uc774\uace0 \uace0\uac1d\uc774 \ubd80\ub2f4\ud558\ub3c4\ub85d \uc804\uac00\ud558\uc5ec \uc2e0\uc6a9 \uce74\ub4dc \uc774\uc790, \ubaa8\uae30\uc9c0 \ubc0f \ub300\ucd9c\uc5d0 \ub300\ud55c \ub354 \ub192\uc740 \uc774\uc790\uc728\ub85c \ubcc0\ud658\ud55c\ub2e4.&nbsp;\uc774\ub7ec\ud55c \uc778\uc0c1\ub41c \uc694\uae08\uc740 \uc804\uad6d\uc758 \ub9ce\uc740 \uc18c\ube44\uc790\uc5d0\uac8c \ub2e8\uae30\uc801\uc73c\ub85c \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub2e4.&nbsp;\uadf8\ub7ec\ub098 \ubaa9\ud45c\ub294 \uc720\uc775\ud558\uace0 \uc7a5\uae30\uc801\uc778 \ud6a8\uacfc\ub97c \uac16\ub294\ub2e4.<\/p>\n\n\n\n<p>\uc8fc\ud0dd \uc18c\uc720\uc790\uc640 \uc608\ube44 \uc8fc\ud0dd \uad6c\ub9e4\uc790\uac00 \uae08\ub9ac \uc778\uc0c1\uc73c\ub85c\ubd80\ud130 \uc989\uc2dc \ud61c\ud0dd\uc744 \ubc1b\uc9c0\ub294 \uc54a\uaca0\uc9c0\ub9cc \uc800\ucd95 \uacc4\uc88c\uc5d0 \ub3c8\uc774 \uc788\ub294 \uc0ac\ub78c\ub4e4\uc740 \uae08\ub9ac \uc778\uc0c1\uc774 \uc88b\uc740 \uc77c\uc774\ub77c\uace0 \uc0dd\uac01\ud560 \uc218 \uc788\ub2e4.&nbsp;\uc740\ud589 \uc608\uae08 \uae08\ub9ac\uc640 \uc5f0\ubc29\uae30\uae08 \uae08\ub9ac \uc0ac\uc774\uc5d0\ub294 \uc9c1\uc811\uc801\uc778 \uc0c1\uad00\uad00\uacc4\uac00 \uc5c6\uc9c0\ub9cc \uae08\ub9ac \uc778\uc0c1\uc740 \uc885\uc885 \uc800\ucd95 \uacc4\uc88c\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4.&nbsp;\uc740\ud589\uc740 \uc885\uc885 \uc608\uae08 \uacc4\uc88c\uc5d0 \uc9c0\uae09\ub418\ub294 \uc5f0\uac04 \uc218\uc775\ub960(APY)\uc744 \uc778\uc0c1\ud55c\ub2e4. \uc989, \uc800\ucd95 \uacc4\uc88c \ubc0f \uae30\ud0c0 \uc608\uae08 \uacc4\uc88c\ub294 \uae08\ub9ac \uc778\uc0c1\uc73c\ub85c \uc778\ud574 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ub354 \uc131\uc7a5\ud560 \uc218 \uc788\ub2e4.&nbsp;\uc774\uc804\uc5d0\ub294 \ub9ce\uc740 \uc740\ud589\uc774 \uc608\uae08 \uacc4\uc88c\uc5d0 \ub354 \ub192\uc740 \uc774\uc728\uc744 \uc81c\uacf5\ud560 \uc218 \uc5c6\uc5c8\uc9c0\ub9cc \uc5f0\uc900\uc774 \uc124\uc815\ud55c \uc774\uc728\ub85c \uc778\ud574 \uc774\uc728\uc774 \uc778\uc0c1\ub428\uc5d0 \ub530\ub77c \uc81c\uacf5 \uae08\uc561\uc744 \ub298\ub9b4 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\uae08\ub9ac \uc778\uc0c1\uc740 \ubaa8\uae30\uc9c0\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \uc8fc\ub294\uac00?<\/h3>\n\n\n\n<p>\uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\uae30 \uc704\ud574 \uc2dc\uc7a5\uc5d0 \ub098\uc628 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uae08\ub9ac \uc778\uc0c1\uc740 \uc0c8\ub85c\uc6b4 \uc9c4\uc785 \uc7a5\ubcbd\uc744 \ucd94\uac00\ud560 \uc218 \uc788\ub2e4.&nbsp;\ubaa8\uae30\uc9c0 \uc774\uc790\uc728\uc740 \uc5f0\uc900\uc758 \uc774\uc790\uc728 \uc778\uc0c1\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubc1b\uc9c0\ub294 \uc54a\uc9c0\ub9cc \uac15\ud654\ub41c \ud1b5\ud654 \uc815\ucc45\uc758 \uc601\ud5a5\uc744 \ubc1b\ub294\ub2e4.<\/p>\n\n\n\n<p>\ub354 \ub192\uc740 \uc694\uc728\uc740 \uc8fc\ud0dd \uc218\uc694\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uba70, \uc8fc\ud0dd \uad6c\ub9e4 \ubc0f \ud310\ub9e4\uac00 \uc18c\ube44\uc790\uc5d0\uac8c \ub35c \uc800\ub834\ud574\uc9c0\uace0 \uc5bb\uc744 \uc218 \uc5c6\uac8c \ub428\uc5d0 \ub530\ub77c \uc8fc\ud0dd \uc218\uc694\uac00 \uc704\ucd95\ub41c\ub2e4.&nbsp;\uae08\ub9ac\uac00 \ub192\uc73c\uba74 \uc18c\ube44\uc790\ub294 \ub3c8\uc744 \ube4c\ub9ac\ub294 \uac83\uc774 \ubd88\ud3b8\ud558\uac70\ub098 \ud558\uc9c0 \ubabb\ud560 \uc218 \uc788\ub2e4.&nbsp;\ub530\ub77c\uc11c \uc8fc\ud0dd \uad6c\uc785\uacfc \uac19\uc740 \ub300\uaddc\ubaa8 \uad6c\ub9e4\ub97c \ubcf4\ub958\ud560 \uac00\ub2a5\uc131\uc774 \ub354 \ud06c\ub2e4.&nbsp;\uc774\uac83\uc740 \ucc28\ub840\ub85c \uc9c0\ucd9c\uc744 \uc81c\ud55c\ud558\uae30 \ub54c\ubb38\uc5d0 \uacbd\uc81c\uc5d0 \ub35c \uae30\uc5ec\ud558\uac8c \ub429\ub2c8\ub2e4.&nbsp;\ud30c\uae09 \ud6a8\uacfc\ub85c \uc8fc\ud0dd \uc18c\uc720\uc790\ub294 \ub3c8\uc744 \ub35c \ubc1b\ub294\ub2e4.<\/p>\n\n\n\n<p>\uc8fc\ud0dd \uc18c\uc720\uc790 \ub610\ub294 \uac00\ubcc0 \uae08\ub9ac \ubaa8\uae30\uc9c0(ARM) \ub610\ub294 \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c \ud55c\ub3c4(HELOC)\uac00 \uc788\ub294 \uc7a0\uc7ac\uc801 \uc8fc\ud0dd 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