#IT迡 ϴ 迵ȯ Ի 3 ߴ. 10 ȥ յΰ Ϸ 达 ΰ ڿ 常 ִ å ǥϴ , ٲ. ȭǸ鼭 ڿԴ , , ҵ ô㺸(LTV) 80% DZ ̴.
“ô㺸(LTV) 80% ˳ Ƶ ڱݰ ô ” “ ϰ ʰ, ҵ ´ ã ٸ ִ” ߴ.
Ϲݱ ó ñ ô㺸(LTV) Ȯǰ Ѻäݻȯ(DSR) 巡ҵ ݿ þ. ûó ó Ϸ Ÿ ϰ Ѵٴ .
ݸ 1Ϻ Ѻäݻȯ(DSR) ȭȴ. ҵ 100% ִ ſ ѵ ȴ.
ȹ ְų ʿ Һڵ Ϲݱ ô.
DSR ȭ…ſ ѵ
1Ϻ 3ܰ DSR ȴ. ä ΰ غ ߴ ġ.
DSR 1 ƾ ϴ ڿ ҵ Ǵ ġ. , Ѵٴ ǹ̷, ̸ ȯɷ Ѵ.
DSR (2ܰ) 2 ȯ ҵ 40%(2 50%) ʵ ϰ ִ. 7ʹ DSR 1 ʰ ַ Ȯȴ. ȭǴ ̴.
̿ 1 Ѿ ش ִ ȯ ҵ 40% ʴ ִ.
̿ 1Ϻ 1.5∼2 ſ ѵ Ǯ ȹ̴.
·Ǽ ȭ Ȯ
DSR ȭ, ΰ Ǽڵ .
δ 16 ǥ å 3б ô㺸(LTV) , ҵ 80% ȭϰڴٰ .
LTV 㺸 Ǵ ڻ갡ġ Ѵ.
ݱ , ؼ 40∼50% LTV ư, Ǽ شȴٰ ϴ ִ 50∼70% ؿ LTV åƴ.
ʷ Ѵٸ ̵ ִ 80% ְڴٴ ̴. ڸа ݴ 11 ڶ LTV 80% ȴ.
ҵ ǵ . κ ջ ҵ 1 ̳ ϴµ, Ϲݱ ̿ . ѵ 4 6 .
û ̷ ҵ ݿ…ֿ
û ̷ þ ҵ ݿ ѵ ÷ش. DSR ҵ濡 ѵ ҵ û Ҹϴٴ ġ. 絵 û ִ ̷ҵ Ϻ ݿ, 3б ݺ ְڴٴ ̴.
, 20 ʹ ̷ ҵ 38.1%ε, Ǹ ҵ 51.6% þ ȴ. 30 ʹ 12% 17.7% ö. 3600 30 ʹ 3.5%, 30 ô㺸 ̷ҵ 4237 å ִ ѵ 26723 31452 þ. ְ Ǵ ̴.
巡 ҵ Ȱ ְ ⸦ ֵ ȴ. ⸦ ִ 20 ϰ , Ϲݱʹ 巡ҵ 20( ִ ) Ǵ ֿ ְ ȴ.
ƿ 8ʹ ݸ ô㺸 ڸ·ݴ Ⱑ 40 50 Ȯȴ. Ⱑ þ ȯ δ ٰ ִ ѵ þ ȿ ִ. ڸ·ݴ شǰų 34 Ǵ 7 ̳ ȥκζ 50 å ̿ ִ.
ó: å긮
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