{"id":1578,"date":"2026-07-03T08:56:15","date_gmt":"2026-07-02T23:56:15","guid":{"rendered":"https:\/\/kkim.ca\/?page_id=1578"},"modified":"2026-07-03T12:09:07","modified_gmt":"2026-07-03T03:09:07","slug":"%ec%ba%90%eb%82%98%eb%8b%a4-%ec%b2%ab-%ec%a3%bc%ed%83%9d-%ea%b5%ac%eb%a7%a4-%ea%b3%84%ed%9a%8d-%ec%84%b8%ec%9a%b0%ea%b8%b0","status":"publish","type":"page","link":"https:\/\/kkim.ca\/?page_id=1578","title":{"rendered":"\uccab \uc8fc\ud0dd \uad6c\ub9e4 \uac00\uc774\ub4dc"},"content":{"rendered":"\t\t
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\u00a0<\/p>

\uce90\ub098\ub2e4<\/strong> \uccab<\/strong> \uc8fc\ud0dd<\/strong> \uad6c\ub9e4<\/strong> \uacc4\ud68d<\/strong> \uc138\uc6b0\uae30<\/strong><\/h2>

\u00a0<\/strong><\/p>

\uc791\uc131\uc790<\/strong>: \u00a0Kate Kim<\/strong><\/h5>

\u00a0<\/p>

\uce90\ub098\ub2e4\uc5d0\uc11c \uccab \uac70\uc8fc \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\ub824\ub294 \ubd84\ub4e4\uc5d0\uac8c\ub294 \uc815\ubd80\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ub2e4\uc591\ud55c \ud61c\ud0dd\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>

\uccab <\/strong>\uc8fc\ud0dd <\/strong>\uad6c\ub9e4\uc790(First-Time Home Buyer)<\/strong>\uc758 <\/strong>\uae30\uc900\uc740?<\/strong><\/p>

\ud574\uc678 \uc8fc\ud0dd\uc744 \ud3ec\ud568\ud558\uc5ec \uc9c0\ub09c 4\ub144 \ub3d9\uc548 \uc9d1\uc744 \uc18c\uc720\ud55c \uc801\uc774 \uc5c6\uac70\ub098, \uc18c\uc720\ud588\uc5c8\ub354\ub77c\ub3c4 \uc2e4\uc81c\ub85c \uac70\uc8fc\ud558\uc9c0 \uc54a\uace0 \uc21c\uc218 \ud22c\uc790 \ubaa9\uc801\uc73c\ub85c \ub80c\ud2b8\ub97c \uc8fc\uc5c8\ub2e4\uba74 ‘\uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790’ \uc790\uaca9\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4. \ub2e8, \ubd80\ubd80\ub098 \ub3d9\uac70\uc778(Common-law) \ubaa8\ub450 \uc774 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud558\ubbc0\ub85c, \ud55c \uba85\uc774\ub77c\ub3c4 \ucd5c\uadfc 4\ub144 \ub0b4\uc5d0 \uc8fc\ud0dd\uc744 \uc18c\uc720\ud558\uace0 \uc2e4\uc81c \uac70\uc8fc\ud588\ub2e4\uba74 \ud61c\ud0dd \ub300\uc0c1\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4.<\/p>

\uce90\ub098\ub2e4\uc5d0\uc11c \ubaa8\uae30\uc9c0(\uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c)\ub97c \ud65c\uc6a9\ud574 \uc9d1\uc744 \uc0ac\ub824\uba74 \uac00\uc7a5 \uba3c\uc800 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8(Down Payment, \ucc29\uc218\uae08)\ub97c \uc800\ucd95\ud574\uc57c \ud569\ub2c8\ub2e4. \ud1b5\uc0c1\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \ub300\ucd9c\uc744 \uc704\ud574\uc11c\ub294 \uc8fc\ud0dd \uad6c\ub9e4 \uac00\uaca9\uc758 20% \uc815\ub3c4\ub97c \uc900\ube44\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ube44\uc988\ub2c8\uc2a4\ub97c \uc6b4\uc601\ud558\uc2dc\ub294 \uc790\uc601\uc5c5\uc790\ubd84\ub4e4\uc740 \uc9c1\uc7a5\uc778\uacfc \uc11c\ub958 \uc2ec\uc0ac \uae30\uc900\uc774 \ub2ec\ub77c \ub300\uac1c 20% \uc774\uc0c1\uc758 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uac00 \uc694\uad6c\ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ub2e4\ub9cc, \uae08\uc735 \uae30\uad00\ub9c8\ub2e4 \ub2e4\uc591\ud55c \ud504\ub85c\uadf8\ub7a8\uc774 \uc788\uc73c\ubbc0\ub85c \uc8fc\ud0dd \uad6c\ub9e4 \uc804 \ubc18\ub4dc\uc2dc \uc804\ubb38 \ubaa8\uae30\uc9c0 \ube0c\ub85c\ucee4\uc640 \uc0c1\ub2f4\ud558\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>

\ud83d\udca1 <\/strong>\uccab <\/strong>\uc8fc\ud0dd <\/strong>\uad6c\ub9e4\uc790 <\/strong>\ud61c\ud0dd <\/strong>\ud65c\uc6a9\ud558\uc5ec <\/strong>\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 <\/strong>\ub9c8\ub828\ud558\uae30<\/strong><\/p>

  1. RRSP(<\/strong>\ub4f1\ub85d <\/strong>\uc740\ud1f4 <\/strong>\uc800\ucd95 <\/strong>\uacc4\uc88c) <\/strong>\ud65c\uc6a9\ud558\uae30<\/strong><\/li><\/ol>

    RRSP\ub294 \uc8fc\ub85c \ub178\ud6c4 \uc790\uae08 \ub300\ube44\uc6a9 \uacc4\uc88c\ub85c, \uc18c\ub4dd\uc5d0 \ube44\ub840\ud574 \uc5f0\uac04 \ucd5c\ub300 \uc785\uae08 \ud55c\ub3c4\uac00 \uc815\ud574\uc9d1\ub2c8\ub2e4. \uc785\uae08\ud55c \uae08\uc561\ub9cc\ud07c \ub2f9\ud574 \uc5f0\ub3c4 \uc18c\ub4dd\uc138 \uba74\uc81c(\uc18c\ub4dd \uacf5\uc81c) \ud61c\ud0dd\uc744 \ubc1b\uc73c\uba70, \uc740\ud1f4 \ud6c4 \uc778\ucd9c\ud560 \ub54c \uc138\uae08\uc744 \ub0b4\uac8c \ub429\ub2c8\ub2e4. \ub178\ud6c4\uc5d0\ub294 \ud604\uc5ed \uc2dc\uc808\ubcf4\ub2e4 \uc18c\ub4dd \uad6c\uac04\uc774 \ub0ae\uc544\uc9c0\ubbc0\ub85c \ud6cc\ub96d\ud55c \uc808\uc138 \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>

    • \uccab <\/strong>\uc8fc\ud0dd <\/strong>\uad6c\ub9e4\uc790 <\/strong>\ud61c\ud0dd:<\/strong> \uc774 \uacc4\uc88c\uc5d0\uc11c \ucd5c\ub300 $60,000<\/strong>\uae4c\uc9c0 \uc138\uae08 \uc5c6\uc774 \ud3c9\uc0dd 1\ud68c\uc5d0 \ud55c\ud574 \uc8fc\ud0dd \uad6c\ub9e4 \uc790\uae08\uc73c\ub85c \uc778\ucd9c(HBP \ud504\ub85c\uadf8\ub7a8)\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>
    • \uc0c1\ud658 <\/strong>\uc870\uac74:<\/strong> \uc778\ucd9c \ud6c4 5\ub144\uc9f8 \ub418\ub294 \ud574\ubd80\ud130 \ub9e4\ub144 15\ubd84\uc758 1\uc529(\ucd5c\ub300 15\ub144\uac04) \ubd84\ud560 \uc0c1\ud658\ud574\uc57c \ud569\ub2c8\ub2e4. \ub9cc\uc57d \ud574\ub2f9 \uc5f0\ub3c4 \uc0c1\ud658\uc561(\uc608: \uc5f0\uac04 \uc57d $4,000)\uc744 \ucc44\uc6b0\uc9c0 \ubabb\ud558\uba74, \uadf8\ud574 \uc0c1\ud658\ud558\uc9c0 \ubabb\ud55c \uae08\uc561\uc740 \ub2f9\ud574 \uc5f0\ub3c4 \uc18c\ub4dd\uc73c\ub85c \uc0b0\uc815\ub418\uc5b4 \uc138\uae08\uc774 \ubd80\uacfc\ub418\ubbc0\ub85c \uacc4\ud68d\uc801\uc778 \uc778\ucd9c\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/li><\/ul>
      1. FHSA(<\/strong>\uccab <\/strong>\uc8fc\ud0dd <\/strong>\uc800\ucd95 <\/strong>\uacc4\uc88c) <\/strong>\ud65c\uc6a9\ud558\uae30<\/strong><\/li><\/ol>

        \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\ub97c \uc704\ud55c \ucd5c\uace0\uc758 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \ud3c9\uc0dd <\/strong>\ucd5c\ub300 $40,000<\/strong>\uae4c\uc9c0 \uc785\uae08 \uac00\ub2a5\ud558\uba70, \uc5f0\uac04 <\/strong>\ucd5c\ub300 $8,000<\/strong>\uae4c\uc9c0 \ub0a9\uc785\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. RRSP\ucc98\ub7fc \uc785\uae08 \uc2dc \uc18c\ub4dd \uacf5\uc81c\ub97c \ubc1b\uace0, TFSA\ucc98\ub7fc \uc778\ucd9c \uc2dc(\uc8fc\ud0dd \uad6c\ub9e4 \ubaa9\uc801) \ud22c\uc790 \uc218\uc775\uc744 \ud3ec\ud568\ud55c \uc804\uc561\uc5d0 \ub300\ud574 \uc138\uae08\uc774 \uba74\uc81c\ub429\ub2c8\ub2e4.<\/p>

        • \uc8fc\uc758\uc0ac\ud56d:<\/strong> \uc5f0\uac04 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\uc5ec \uc785\uae08\ud558\uba74 \ucd08\uacfc \uae08\uc561\uc5d0 \ub300\ud574 \ub9e4\uc6d4 1%\uc758 \ud398\ub110\ud2f0\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/li>
        • \uc5f0\uac04 \ud55c\ub3c4($8,000) \uc911 \ubbf8\uc0ac\uc6a9 \uae08\uc561\uc740 \ub2e4\uc74c \ud574\ub85c \ucd5c\ub300 $8,000<\/strong>\uae4c\uc9c0\ub9cc <\/strong>\uc774\uc6d4<\/strong>\ub429\ub2c8\ub2e4. \uc989, \uc62c\ud574 \uc804\ud600 \uc785\uae08\ud558\uc9c0 \uc54a\uc558\ub2e4\uba74 \ub0b4\ub144\uc5d0 \ucd5c\ub300 $16,000\uae4c\uc9c0 \uc785\uae08\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc62c\ud574 $4,000\ub9cc \ub123\uc5c8\ub2e4\uace0 \ud574\uc11c \ub0b4\ub144\uc5d0 $12,000\uc744 \ub123\uc744 \uc218 \uc788\ub294 \uac83\uc740 \uc544\ub2c8\uba70 \ub2f9\ud574 \uc5f0\ub3c4 \ucd5c\ub300 \uc785\uae08 \uac00\ub2a5 \uc561\uc218\ub294 \uc5ec\uc804\ud788 \uc81c\ud55c\uc801\uc774\ubbc0\ub85c \ub9e4\ub144 \uafb8\uc900\ud788 $8,000\uc529 \ucc44\uc6b0\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/li>
        • \ub9cc\uc57d \uc790\uae08\uc744 \ubaa8\uc740 \ud6c4 \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\uc9c0 \uc54a\uae30\ub85c \uacb0\uc815\ud588\ub2e4\uba74, \uc138\uae08 \ud398\ub110\ud2f0 \uc5c6\uc774 \uc774 \uc790\uae08\uc744 RRSP \uacc4\uc88c\ub85c \uc774\uc804\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li><\/ul>
          1. TFSA(<\/strong>\ube44\uacfc\uc138 <\/strong>\uc800\ucd95 <\/strong>\uacc4\uc88c) <\/strong>\ud65c\uc6a9\ud558\uae30<\/strong><\/li><\/ol>

            18\uc138 \uc774\uc0c1 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790\ub77c\uba74 \ub204\uad6c\ub098 \uac1c\uc124\ud560 \uc218 \uc788\uc73c\uba70, \ub9e4\ub144 \uc815\ubd80\uac00 \uc815\ud55c \ud55c\ub3c4(\ucd5c\uadfc \uae30\uc900 \uc5f0\uac04 \uc57d $7,000~$7,500)\ub9cc\ud07c \ub204\uc801\ub429\ub2c8\ub2e4. \uadf8\ub3d9\uc548 \ud55c\ub3c4\ub97c \uc4f0\uc9c0 \uc54a\uc558\ub2e4\uba74 \uacfc\uac70 \ub204\uc801\ub41c \uae08\uc561\uc744 \ud55c \ubc88\uc5d0 \uc785\uae08\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. (\uc608: 18\uc138 \uc774\ud6c4 10\ub144\uac04 \ud55c \ubc88\ub3c4 \uc785\uae08\ud558\uc9c0 \uc54a\uc558\ub2e4\uba74 \uc218\ub9cc \ubd88\uc744 \ud55c \ubc88\uc5d0 \uc785\uae08 \uac00\ub2a5).<\/p>

            • \uc774 \uacc4\uc88c \ub0b4\uc5d0\uc11c \uc8fc\uc2dd\uc774\ub098 ETF \ud22c\uc790\ub97c \ud1b5\ud574 \uc5bb\uc740 \ubaa8\ub4e0 \uc218\uc775\uc740 100% \ube44\uacfc\uc138\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc885\uc7a3\ub3c8\uc744 \ubd88\ub9ac\uae30\uc5d0 \ub9e4\uc6b0 \ud0c1\uc6d4\ud569\ub2c8\ub2e4.<\/li>
            • \uafc0\ud301:<\/strong> \ub9cc\uc57d 1~2\ub144 \ub0b4\uc5d0 \uc9d1\uc744 \uc0b4 \ub2e8\uae30 \uacc4\ud68d\uc774\ub77c\uba74, \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc73c\ub85c \uc6d0\uae08\uc744 \uc783\uc744 \uc704\ud5d8\uc774 \uc788\uc73c\ubbc0\ub85c \uc8fc\uc2dd\ubcf4\ub2e4\ub294 GIC(\uc815\uae30\uc608\uae08) \uac19\uc740 \uc548\uc804\ud55c \uae08\uc735 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. \ud55c\ub3c4 \ucd08\uacfc \uc785\uae08 \uc2dc \ub9e4\uc6d4 1%\uc758 \ud398\ub110\ud2f0\uac00 \uc788\uc73c\ub2c8 \uc8fc\uc758\ud558\uc138\uc694.<\/li><\/ul>

              \ud83d\udcb8 <\/strong>\uc8fc\ud0dd <\/strong>\uad6c\ub9e4 <\/strong>\uc2dc <\/strong>\ubc1c\uc0dd\ud558\ub294 <\/strong>\uae30\ud0c0 <\/strong>\ucd94\uac00 <\/strong>\ube44\uc6a9<\/strong><\/p>

              1. \uc2e0\ucd95 <\/strong>\uc8fc\ud0dd <\/strong>\uad6c\ub9e4 <\/strong>\uc2dc GST <\/strong>\uace0\ub824<\/strong><\/li><\/ol>

                \uc0c8 \uc9d1\uc744 \ubd84\uc591\ubc1b\uac70\ub098 \uc9c1\uc811 \uc9c0\uc744 \ub54c\ub294 5%\uc758 GST(\uc5f0\ubc29 \uc18c\ube44\uc138)\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4. \ub2e4\ud589\ud788 \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\uc774\uba74\uc11c \ud574\ub2f9 \uc8fc\ud0dd\uc5d0 \uc9c1\uc811 \uac70\uc8fc\ud560 \ubaa9\uc801\uc774\ub77c\uba74 \uc815\ubd80\uc758 GST Rebate(<\/strong>\ud658\uae09) <\/strong>\uc815\ucc45<\/strong>\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. (\uc815\ubd80 \uc815\ucc45 \ubc0f \uc8fc\ud0dd \uac00\uaca9 \uc870\uac74\uc740 \uc0c1\uc2dc \ubcc0\ub3d9\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c \uad6c\ub9e4 \uc2dc\uc810\uc5d0 \uc804\ubb38\uac00 \ud655\uc778\uc774 \ud544\uc218\uc785\ub2c8\ub2e4).<\/p>

                1. \ud074\ub85c\uc9d5 <\/strong>\ucf54\uc2a4\ud2b8(Closing Cost, <\/strong>\ub9c8\ubb34\ub9ac <\/strong>\ube44\uc6a9) <\/strong>\uc900\ube44<\/strong><\/li><\/ol>

                  \uc8fc\ud0dd \uad6c\ub9e4 \uac00\uaca9\uc758 \ub300\ub7b5 1.5% ~ 4%<\/strong> \uc815\ub3c4\ub97c \ubcc4\ub3c4\uc758 \ud604\uae08\uc73c\ub85c \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \ube44\uc6a9\uc5d0\ub294 \ubcc0\ud638\uc0ac \ube44\uc6a9, \ubc95\uc801 \uc11c\ub958 \ub4f1\ub85d\ube44, \ucde8\ub4dd\uc138(Land Transfer Tax – \ub2e8, \uc54c\ubc84\ud0c0\uc8fc\ub294 \ucde8\ub4dd\uc138\uac00 \uc5c6\uace0 \uc800\ub834\ud55c \ub4f1\ub85d\ube44\ub9cc \ubc1c\uc0dd), \ud0c0\uc774\ud2c0 \uc778\uc288\uc5b4\ub7f0\uc2a4(\uc18c\uc720\uad8c \ubcf4\uc7a5 \ubcf4\ud5d8), \uc7ac\uc0b0\uc138 \ubc0f \uacf5\uacfc\uae08 \uc815\uc0b0(\ud074\ub85c\uc9d5 \ub0a0\uc9dc \uae30\uc900 \uc140\ub7ec\uc640\uc758 \uc815\uc0b0), \ud648 \uc778\uc2a4\ud399\uc158 \ube44\uc6a9, \uc8fc\ud0dd \uac10\uc815\uac00(Appraisal) \ube44\uc6a9 \ub4f1\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>

                  1. \ub514\ud30c\uc9d3(Deposit, <\/strong>\uacc4\uc57d\uae08) <\/strong>\uc900\ube44<\/strong><\/li><\/ol>

                    \uc624\ud37c(\uad6c\ub9e4 \uc81c\uc548\uc11c)\uac00 \uc218\ub77d\ub418\uba74 \ubcf4\ud1b5 24~48\uc2dc\uac04 \uc774\ub0b4\uc5d0 $5,000 ~ $10,000<\/strong>(\ub610\ub294 \uc9d1\uac12\uc758 1~5%) \uc815\ub3c4\uc758 \ub514\ud30c\uc9d3\uc744 \uc218\ud45c\ub85c \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \ub3c8\uc740 \ubb36\uc5ec \uc788\ub2e4\uac00 \ucd5c\uc885 \ud074\ub85c\uc9d5 \ub54c \ucd1d \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uae08\uc561\uc758 \uc77c\ubd80\ub85c \ucc28\uac10 \uacc4\uc0b0\ub429\ub2c8\ub2e4.<\/p>

                    \ud83d\udca1 <\/strong>\uc608\uc2dc\ub85c <\/strong>\ubcf4\ub294 <\/strong>\ud544\uc694 <\/strong>\uc790\uae08 (Tom <\/strong>\uc528\uac00 $400,000 <\/strong>\uc8fc\ud0dd\uc744 <\/strong>\uad6c\ub9e4\ud560 <\/strong>\ub54c)<\/strong><\/p>

                    • \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 (20%):<\/strong> $80,000<\/li>
                    • \ud074\ub85c\uc9d5 <\/strong>\ucf54\uc2a4\ud2b8 (<\/strong>\uc608\uc0c1):<\/strong> \uc57d $8,000 ~ $10,000<\/li>
                    • \ub514\ud30c\uc9d3(<\/strong>\uacc4\uc57d\uae08):<\/strong> $10,000 (\ucd5c\uc885 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ud560 \uae08\uc561\uc5d0\uc11c \ucc28\uac10\ub418\ub098, \uacc4\uc57d\uc2dc \ub2f9\uc7a5 \uc9c0\ubd88\ud560 \ud604\uae08 \ud544\uc694)<\/li>
                    • \uc548\uc815\uc801\uc778 <\/strong>\ucd1d <\/strong>\ud544\uc694 <\/strong>\ud604\uae08:<\/strong> \ub300\ub7b5 $90,000 ~ $100,000<\/strong> \ub0b4\uc678<\/li><\/ul>

                      \u203b 5% <\/strong>\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 CMHC <\/strong>\ubaa8\uae30\uc9c0 <\/strong>\ubd80\uc2e4 <\/strong>\ubcf4\ud5d8<\/strong><\/p>

                      \uc9c1\uc7a5\uc778\uc774\uace0 \uc18c\ub4dd \uc99d\ube59\uc774 \ud655\uc2e4\ud558\ub2e4\uba74 $500,000 \uc774\ud558(\uc2e4\uc81c\ub85c\ub294 $1,000,000 \uc774\ud558) \uc8fc\ud0dd \uad6c\ub9e4 \uc2dc \ucd5c\uc18c 5%\uc758 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ub9cc\uc73c\ub85c\ub3c4 \ubaa8\uae30\uc9c0 \uc2b9\uc778\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub2e4\ub9cc, \ub2e4\uc6b4\ud398\uc774\ub97c 20% \ubbf8\ub9cc\uc73c\ub85c \ud560 \uacbd\uc6b0 \uc740\ud589\uc740 \uc758\ubb34\uc801\uc73c\ub85c CMHC(<\/strong>\uce90\ub098\ub2e4 <\/strong>\uc8fc\ud0dd\ubaa8\uae30\uc9c0\uacf5\uc0ac) <\/strong>\ubd80\uc2e4 <\/strong>\ubcf4\ud5d8<\/strong>\uc5d0 \uac00\uc785\ud558\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>

                      \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 <\/strong>\ube44\uc728<\/strong><\/p><\/td>

                      \uace0\uc704\ud5d8 <\/strong>\ubaa8\uae30\uc9c0 <\/strong>\ubcf4\ud5d8\ub8cc (CMHC Premium)<\/strong><\/p><\/td><\/tr><\/thead>

                      5.00% ~ 9.99%<\/strong><\/p><\/td>

                      \ubaa8\uae30\uc9c0 \ub300\ucd9c \ucd1d\uc561\uc758 4.00%<\/strong><\/p><\/td><\/tr>

                      10.00% ~ 14.99%<\/strong><\/p><\/td>

                      \ubaa8\uae30\uc9c0 \ub300\ucd9c \ucd1d\uc561\uc758 3.10%<\/strong><\/p><\/td><\/tr>

                      15.00% ~ 19.99%<\/strong><\/p><\/td>

                      \ubaa8\uae30\uc9c0 \ub300\ucd9c \ucd1d\uc561\uc758 2.80%<\/strong><\/p><\/td><\/tr><\/tbody><\/table>

                      \uc774 \ubcf4\ud5d8\ub8cc\ub294 \uc77c\uc2dc\ubd88\ub85c \ub0b4\uc9c0 \uc54a\uace0 \ucd1d \ubaa8\uae30\uc9c0 \ub300\ucd9c \uae08\uc561\uc5d0 \uac00\uc0b0\ub418\uc5b4 \ub9e4\ub2ec \ub0b4\ub294 \ubaa8\uae30\uc9c0 \ud398\uc774\uba3c\ud2b8\uc5d0 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \uc6d4 \uc0c1\ud658 \ubd80\ub2f4\uc774 \ucee4\uc9c0\ubbc0\ub85c, \uc5ec\uc720\uac00 \ub41c\ub2e4\uba74 \uac00\ub2a5\ud55c 20% <\/strong>\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8<\/strong>\ub97c \uc900\ube44\ud558\uc5ec \ubcf4\ud5d8\ub8cc \uc9c0\ucd9c\uc744 \uc544\ub07c\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>

                      \ud83c\udfe0 <\/strong>\uc9d1\uc744 <\/strong>\uc0ac\uae30 <\/strong>\uc804, <\/strong>\uc9c0\uae08 <\/strong>\ubc14\ub85c <\/strong>\uc900\ube44\ud574\uc57c <\/strong>\ud560 4<\/strong>\uac00\uc9c0<\/strong><\/p>

                      1.<\/strong>\uc2e0\uc6a9\uc810\uc218(Credit Score) <\/strong>\uad00\ub9ac\ud558\uae30<\/strong><\/p>

                      \ubaa8\uae30\uc9c0 \uc0ac\uc804 \uc2b9\uc778(Pre-approval)\uc744 \ubc1b\uc73c\ub824\uba74 \ucd5c\uc18c\ud55c\uc758 \uc2e0\uc6a9\uc810\uc218\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ubcf4\ud1b5 680\uc810 \uc774\ud558\ub85c \ub5a8\uc5b4\uc9c0\uba74 1\uae08\uc735\uad8c \uc2b9\uc778\uc774 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uc744\uc218\ub85d \uc740\ud589\uc5d0\uc11c \uac00\uc7a5 \uc800\ub834\ud55c \uc6b0\ub300 \uae08\ub9ac(Prime Rate)\ub97c \uc81c\uc548\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uac70\ub798 \uc740\ud589 \uc571\uc744 \ud1b5\ud574 \uc218\uc2dc\ub85c \uccb4\ud06c\ud558\uc138\uc694.<\/p>

                      1. \ucca0\uc800\ud55c <\/strong>\uc138\uae08 <\/strong>\uc2e0\uace0 (<\/strong>\uc778\ucef4 <\/strong>\uc790\ub8cc <\/strong>\ud655\ubcf4)<\/strong><\/li><\/ol>

                        \ud2b9\ud788 \ube44\uc988\ub2c8\uc2a4\ub97c \uc6b4\uc601\ud558\uc2dc\ub294 \ubd84\ub4e4\uc740 \ucd5c\uadfc 2\ub144 \uce58\uc758 \uc138\uae08 \uc2e0\uace0\uc11c(NOA – Notice of Assessment)\uc640 \uc7ac\ubb34\uc81c\ud45c\uac00 \ubaa8\uae30\uc9c0 \uc2ec\uc0ac\uc758 \ud575\uc2ec \uc11c\ub958\uac00 \ub429\ub2c8\ub2e4. \ub9e4\ucd9c\uacfc \uac1c\uc778 \uc778\ucef4(T1)\uc744 \ubbf8\ub9ac \uc804\ub7b5\uc801\uc73c\ub85c \uc2e0\uace0\ud574 \ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>

                        1. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 <\/strong>\uc790\uae08 <\/strong>\ucd9c\ucc98 <\/strong>\uc99d\ube59 (<\/strong>\ud1b5\uc7a5 <\/strong>\uad00\ub9ac)<\/strong><\/li><\/ol>

                          \ubaa8\uae30\uc9c0 \uc2e0\uccad \uc2dc \uc740\ud589\uc740 \ucd5c\uc18c 3<\/strong>\uac1c\uc6d4(90<\/strong>\uc77c) <\/strong>\uce58\uc758 <\/strong>\uc740\ud589 <\/strong>\uac70\ub798 <\/strong>\ub0b4\uc5ed\uc11c<\/strong>\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4. \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0\ubc95 \ub54c\ubb38\uc5d0 \ucd9c\ucc98\uac00 \ubd88\ubd84\uba85\ud55c \ud604\uae08\uc774 \uac11\uc790\uae30 \uc785\uae08\ub418\uba74 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc790\uae08\uc73c\ub85c \uc778\uc815\ubc1b\uc9c0 \ubabb\ud569\ub2c8\ub2e4. \uc8fc\ud0dd \uad6c\ub9e4 \ucd5c\uc18c 90\uc77c \uc804\uc5d0\ub294 \uc790\uae08\uc744 \ud55c \uacc4\uc88c\uc5d0 \ubaa8\uc544\ub450\uace0 \ucd9c\ucc98\ub97c \uc99d\ube59\ud560 \uc218 \uc788\uac8c \uad00\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>

                          4.<\/strong>\uc5f0\uccb4 <\/strong>\uae08\uc9c0<\/strong><\/p>

                          \uac01\uc885 \uacf5\uacfc\uae08, \ube44\uc988\ub2c8\uc2a4 \uc218\uc218\ub8cc, \ubb3c\ud488 \ub300\uae08 \ub4f1\uc774 \ub2e8 \ud558\ub8e8\ub3c4 \uc5f0\uccb4\ub418\uc9c0 \uc54a\ub3c4\ub85d \uc790\ub3d9\uc774\uccb4 \uc124\uc815\uc744 \ud574\ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>

                          \ud83d\udcb0 <\/strong>\uac00\uc7a5 <\/strong>\ube68\ub9ac <\/strong>\uc885\uc7a3\ub3c8\uc744 <\/strong>\ubaa8\uc73c\ub294 <\/strong>\ub178\ud558\uc6b0<\/strong><\/p>

                          • \uac00\uacc4\ubd80 <\/strong>\uc791\uc131:<\/strong> \uc218\uc785\uacfc \uc9c0\ucd9c\uc758 \ud750\ub984\uc744 \ub208\uc73c\ub85c \ubd10\uc57c \uc0c8\ub294 \ub3c8\uc744 \ub9c9\uace0 \uc800\ucd95 \uac00\ub2a5 \uae08\uc561\uc744 \ub298\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>
                          • 3<\/strong>\uac1c\uc6d4 <\/strong>\uce58 <\/strong>\ube44\uc0c1 <\/strong>\uc790\uae08 <\/strong>\ubd84\ub9ac:<\/strong> \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc800\ucd95 \uacc4\uc88c \uc678\uc5d0, \ube44\uc988\ub2c8\uc2a4\ub098 \uc0dd\ud65c\ube44\uc5d0 \uae09\ud788 \uc4f8 3\uac1c\uc6d4 \uce58 \ube44\uc0c1\uae08\uc744 \ubcc4\ub3c4 \ud604\uae08 \uacc4\uc88c\uc5d0 \ubb36\uc5b4\ub450\uc138\uc694. \uadf8\ub798\uc57c \uae09\ud55c \ubd88\uc744 \ub044\ub290\ub77c \uc8fc\ud0dd \uc800\ucd95 \uacc4\uc88c\ub97c \uae68\ub294 \ubd88\uc0c1\uc0ac\ub97c \ub9c9\uace0 \uc2ec\ub9ac\uc801 \uc548\uc815\uac10\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>
                          • \uc120 <\/strong>\uc800\ucd95 <\/strong>\ud6c4 <\/strong>\uc9c0\ucd9c:<\/strong> \uc4f0\uace0 \ub0a8\uc740 \ub3c8\uc744 \uc800\ucd95\ud558\ub824 \ud558\uba74 \uc808\ub300 \uc548 \ub429\ub2c8\ub2e4. \ub9e4\ub2ec \ubaa9\ud45c \uae08\uc561\uc744 \uc790\ub3d9 \uc774\uccb4\ub85c \uba3c\uc800 \uc801\uae08\ud55c \ub4a4, \ub0a8\uc740 \uae08\uc561\uc73c\ub85c \ube44\uc988\ub2c8\uc2a4\uc640 \uc0dd\ud65c\uc744 \uafb8\ub824\ub098\uac00\uc57c \ud569\ub2c8\ub2e4.<\/li>
                          • \ub2e8\uae30 <\/strong>\ud22c\uc790\ub294 <\/strong>\uc548\uc804 <\/strong>\uc790\uc0b0\uc73c\ub85c:<\/strong> 2\ub144 \uc774\ub0b4\uc5d0 \uc9d1\uc744 \uc0b4 \uacc4\ud68d\uc774\ub77c\uba74 \uc8fc\uc2dd\uc774\ub098 \ubcc0\ub3d9\uc131\uc774 \ud070 ETF\ubcf4\ub2e4\ub294 \uc740\ud589\uc758 1~2<\/strong>\ub144 <\/strong>\uace0\uc815\uae08\ub9ac GIC(<\/strong>\uc815\uae30\uc608\uae08)<\/strong> \uc0c1\ud488\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. ETF\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uc6b0\uc0c1\ud5a5\ud558\uc9c0\ub9cc \ub2e8\uae30\uc801\uc778 \uc138\uacc4 \uc815\uc138\ub098 \uacbd\uc81c \uc704\uae30\ub85c \uae09\ub77d\ud560 \uacbd\uc6b0 \ub9e4\uc218 \uc2dc\uc810\uc5d0 \uc6d0\uae08 \uc190\uc2e4\uc744 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. 5\ub144 \uc774\uc0c1\uc758 \uc7a5\uae30 \uacc4\ud68d\uc774 \uc544\ub2c8\ub77c\uba74 \uc6d0\uae08\uc774 \ubcf4\uc7a5\ub418\ub294 \ud655\uc815 \uae08\ub9ac \uc0c1\ud488\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/li>
                          • \ub9c8\uc778\ub4dc <\/strong>\ucee8\ud2b8\ub864\uacfc <\/strong>\uae0d\uc815\uc801\uc778 <\/strong>\ud0dc\ub3c4:<\/strong> \uc790\uc601\uc5c5\uc744 \ud558\ub2e4 \ubcf4\uba74 \uacc4\uc808\uc5d0 \ub530\ub77c \ube44\uc218\uae30\uac00 \uc624\uace0 \ubc88\uc544\uc6c3\uc774 \uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc131\uc218\uae30(\uc5ec\ub984)\uc5d0 \ubc88 \uc218\uc775\uc744 \ube44\uc218\uae30(\uaca8\uc6b8)\ub97c \uc704\ud574 \ubbf8\ub9ac \ube44\ucd95\ud574 \ub450\ub294 \uc9c0\ud61c\ub97c \ubc1c\ud718\ud558\uba74 \uc2a4\ud2b8\ub808\uc2a4 \uc5c6\uc774 \uc548\uc815\uc801\uc73c\ub85c \uc885\uc7a3\ub3c8\uc744 \ubaa8\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li><\/ul>

                            \ud83d\udcb3 <\/strong>\uc2e0\uc6a9\uc810\uc218(Credit Score) <\/strong>\uc62c\ub9ac\ub294 <\/strong>\uafc0\ud301<\/strong><\/p>

                            1. \uc2e0\uc6a9\uce74\ub4dc <\/strong>\uc601\ub9ac\ud558\uac8c <\/strong>\uc4f0\uae30<\/strong><\/li><\/ol>

                              \uc2e0\uc6a9\uce74\ub4dc\ub294 \ucd1d \ud55c\ub3c4 \uae08\uc561\uc758 30 ~ 35% <\/strong>\uc774\ud558\ub85c <\/strong>\uc790\uc81c\ud558\uc5ec <\/strong>\uc0ac\uc6a9<\/strong>\ud558\ub294 \uac83\uc774 \uc2e0\uc6a9\uc810\uc218\uc5d0 \uac00\uc7a5 \uc88b\uc2b5\ub2c8\ub2e4. (\uc608: \ud55c\ub3c4\uac00 $10,000\uc774\ub77c\uba74 $3,500 \ubbf8\ub9cc\uc73c\ub85c \uc0ac\uc6a9). \ub9e4\ub2ec \uce74\ub4dc \ub300\uae08 \uc804\uc561(Statement Balance)\uc744 \uc804\uc561 \ub0a9\ubd80\ud558\ub294 \uac83\uc774 \uc6d0\uce59\uc774\uba70, \uc0ac\uc815\uc774 \uc5b4\ub835\ub354\ub77c\ub3c4 \ucd5c\uc18c \ub0a9\ubd80 \uae08\uc561(Minimum Payment)\uc740 \uc808\ub300 \ubc00\ub9ac\uc9c0 \uc54a\uc544\uc57c \ud569\ub2c8\ub2e4. \uc2e0\uc6a9\uce74\ub4dc \ud55c\ub3c4\ub97c \uc99d\uc561\ud560 \uc218 \uc788\ub2e4\uba74 \ud55c\ub3c4\ub97c \ub192\uc774\ub418, \uc2e4\uc81c \uc18c\ube44\ub7c9\uc740 \uadf8\ub300\ub85c \uc720\uc9c0\ud558\uba74 \uc2e0\uc6a9 \uc0ac\uc6a9 \ube44\uc728(Credit Utilization)\uc774 \ub0ae\uc544\uc838 \uc810\uc218\uac00 \ube60\ub974\uac8c \uc62c\ub77c\uac11\ub2c8\ub2e4.<\/p>

                              1. \uc720\ud2f8\ub9ac\ud2f0 <\/strong>\ubc0f <\/strong>\ud1b5\uc2e0\ube44 <\/strong>\uc81c\ub54c <\/strong>\ub0a9\ubd80\ud558\uae30<\/strong><\/li><\/ol>

                                \ud734\ub300\ud3f0 \uc694\uae08, \uc778\ud130\ub137, \uc804\uae30, \uac00\uc2a4 \ub4f1 \uc720\ud2f8\ub9ac\ud2f0 \ube44\uc6a9\uc774 \uc7a5\uae30 \uc5f0\uccb4\ub418\uba74 \uc2e0\uc6a9 \ud3c9\uac00 \uae30\uad00\uc5d0 \ubcf4\uace0\ub418\uc5b4 \uc810\uc218\uac00 \ud3ed\ub77d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>

                                1. \ubb3c\ud488 <\/strong>\ub300\uae08 <\/strong>\ubc0f <\/strong>\uac70\ub798\ucc98 <\/strong>\uacb0\uc81c <\/strong>\uc900\uc218<\/strong><\/li><\/ol>

                                  \ub300\uae08 \uacb0\uc81c\ub97c \uace0\uc758\ub85c \ubbf8\ub8e8\uac70\ub098 \ubd84\uc7c1\uc73c\ub85c \uc778\ud574 \uc9c0\uae09\uc744 \uc815\uc9c0\ud558\uba74 \ucc44\uad8c \ucd94\uc2ec \uc5c5\uccb4(Collection Agency)\ub85c \ucc44\uad8c\uc774 \ub118\uc5b4\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uceec\ub809\uc158\uc5d0 \uc774\ub984\uc774 \uc62c\ub77c\uac00\ub294 \uc21c\uac04 \uc2e0\uc6a9\uc810\uc218\uc5d0\ub294 \uce58\uba85\ud0c0\uac00 \ub429\ub2c8\ub2e4.<\/p>

                                  1. \ub9c8\uc774\ub108\uc2a4 <\/strong>\ud1b5\uc7a5(Line of Credit) <\/strong>\uac1c\uc124 <\/strong>\ubc0f <\/strong>\ube44\uc0c1\uc6a9 <\/strong>\ud65c\uc6a9<\/strong><\/li><\/ol>

                                    \ube44\uc988\ub2c8\uc2a4\ub97c \uc798 \uc6b4\uc601\ud558\uace0 \uc2e0\uc6a9\uc744 \uc313\ub2e4 \ubcf4\uba74 \uc740\ud589\uc5d0\uc11c Line of Credit(LOC)<\/strong> \uac1c\uc124 \uc81c\uc548\uc774 \uc635\ub2c8\ub2e4. \ub9c8\uc774\ub108\uc2a4 \ud1b5\uc7a5\uc740 \ud55c\ub3c4\ub97c \uc5f4\uc5b4\ub450\uae30\ub9cc \ud558\uace0 \uc4f0\uc9c0 \uc54a\uc73c\uba74 \uc774\uc790\uac00 \uc804\ud600 \ub098\uac00\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9\uce74\ub4dc \ud604\uae08\uc11c\ube44\uc2a4(Cash Advance)\ub294 \uc774\uc790\uac00 \ud130\ubb34\ub2c8\uc5c6\uc774 \ub192\uace0 \uc2e0\uc6a9 \uc810\uc218\ub97c \uac09\uc544\uba39\ub294 \uc8fc\ubc94\uc778 \ubc18\uba74, LOC\ub294 \uc774\uc728\uc774 \ud6e8\uc52c \uc800\ub834\ud569\ub2c8\ub2e4. \ub610\ud55c, \uac1c\uc124\ud574 \ub450\ub294 \uac83\ub9cc\uc73c\ub85c\ub3c4 \uac1c\uc778\uc758 ‘\ucd1d \uc2e0\uc6a9 \ud55c\ub3c4’\uac00 \ub298\uc5b4\ub098\ub294 \ud6a8\uacfc\uac00 \uc788\uc5b4 \uc4f0\uc9c0 <\/strong>\uc54a\uace0 <\/strong>\uc720\uc9c0\ud558\ub294 <\/strong>\uac83\ub9cc\uc73c\ub85c\ub3c4 <\/strong>\uc2e0\uc6a9\uc810\uc218 <\/strong>\ud5a5\uc0c1\uc5d0 <\/strong>\ud070 <\/strong>\ub3c4\uc6c0<\/strong>\uc774 \ub429\ub2c8\ub2e4. \uae09\ud55c \ud604\uae08 \uc720\ub3d9\uc131 \uc704\uae30 \uc2dc \ube44\uc0c1 \ube0c\ub9bf\uc9c0 \uc790\uae08\uc73c\ub85c \ud65c\uc6a9\ud558\uae30 \uc544\uc8fc \uc88b\uc2b5\ub2c8\ub2e4.<\/p>

                                    \ubcf8 <\/em>\uae00\uc740 <\/em>\uc77c\ubc18\uc801\uc778 <\/em>\uc815\ubcf4 <\/em>\uc81c\uacf5\uc744 <\/em>\ubaa9\uc801\uc73c\ub85c <\/em>\uc791\uc131\ub418\uc5c8\uc2b5\ub2c8\ub2e4. <\/em>\uce90\ub098\ub2e4 <\/em>\uc815\ubd80 <\/em>\uc815\ucc45\uacfc <\/em>\uae08\uc735\uad8c <\/em>\ubaa8\uae30\uc9c0 <\/em>\uac00\uc774\ub4dc\ub77c\uc778\uc740 <\/em>\uac1c\uc778\uc758 <\/em>\uc0c1\ud669\uacfc <\/em>\uc2dc\uae30\uc5d0 <\/em>\ub530\ub77c <\/em>\uc218\uc2dc\ub85c <\/em>\ubcc0\ub3d9\ub420 <\/em>\uc218 <\/em>\uc788\uc73c\ubbc0\ub85c, <\/em>\uc2e4\uc81c <\/em>\uc8fc\ud0dd <\/em>\uad6c\ub9e4 <\/em>\uc2dc\uc5d0\ub294 <\/em>\uc804\ubb38\uac00(<\/em>\ubd80\ub3d9\uc0b0 <\/em>\ub9ac\uc5bc\ud130, <\/em>\ubaa8\uae30\uc9c0 <\/em>\ube0c\ub85c\ucee4, <\/em>\ud68c\uacc4\uc0ac)<\/em>\uc640 <\/em>\ubc18\ub4dc\uc2dc <\/em>\uc0c1\uc758\ud558\uc2dc\uae30 <\/em>\ubc14\ub78d\ub2c8\ub2e4.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

                                    \u00a0 \uce90\ub098\ub2e4 \uccab \uc8fc\ud0dd \uad6c\ub9e4 \uacc4\ud68d \uc138\uc6b0\uae30 \u00a0 \uc791\uc131\uc790: \u00a0Kate Kim \u00a0 \uce90\ub098\ub2e4\uc5d0\uc11c \uccab \uac70\uc8fc \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\ub824\ub294 \ubd84\ub4e4\uc5d0\uac8c\ub294 \uc815\ubd80\uc5d0\uc11c \uc81c\uacf5\ud558\ub294<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-1578","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kkim.ca\/index.php?rest_route=\/wp\/v2\/pages\/1578","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kkim.ca\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kkim.ca\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kkim.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kkim.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1578"}],"version-history":[{"count":6,"href":"https:\/\/kkim.ca\/index.php?rest_route=\/wp\/v2\/pages\/1578\/revisions"}],"predecessor-version":[{"id":1616,"href":"https:\/\/kkim.ca\/index.php?rest_route=\/wp\/v2\/pages\/1578\/revisions\/1616"}],"wp:attachment":[{"href":"https:\/\/kkim.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1578"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}