ΰ ݸ ſ·ҵ ֿ ִ 100 ż ϴ ‘ ’ Ѵ.
ݸλ, ð ϶ ‘’ Ŀ , ݸ ݸ ڱݴ Ȯϰ, õ ϱ ߴ.
ε Ʈ̳(PF) PF忡 ȭϵ ν ִ ü Ѵ.
ȸ 30 ɿ ‘2023 ȸ ȹ’ ߴ.
̳ ‘鸲 , ’ , ǹ·λ , ǥ 12 å ϱ ߴ.
ִ 100
ſ·ҵ ֿ ִ 100 żϴ ‘ ’ ϱ ߴ. Ҿ ҹ ʵ ϱ ġ.
åα Ը غ 2000 þ 10 ȮѴ. ſڿ Ưʺǰ Ը 1400 2 2800 ø.
ȯ ֵ ȸ ֵ ä ȮѴ.
û Ǵ ſ ڰ, ȯ α ַ ȮѴ.
ʻȰ· ȯ ü 90 ̶ ݰ ä ȮѴ.
ü ߽ δ ȭ, ä ä û ä ȣ ȭ ‘äںȣ’ Ѵ.
ڿڿ ݸ ȯ α ȮѴ. ڷγ19 ֿ ‘ڿ ü’ Ȯϰ, ѵ 5000 1, 1 2 ø. ڷγ19 ڿڰ ѵ ſ ȯ ϱ ߴ. ѵ 1 Ѵ.
÷ ſ Ⱓ 1 2 Ѵ. ‘սǺ Ǵ 濪 ’ ‘ һ α ’ ߰ϱ ߴ.
߰ݸ , Ȯ
ְź ߰, Ӵ Ӵ뺸 ȯ ؼϱ ݸ ڱ ǰ Ȯ뿡 .
ֱݰ 90% 100% ̰, 0.1%Ʈ ϴ ݸ ݸ ڱ ǰ ϵ ȹ̴.
ƿ ܵƴ κջҵ 1 ʰ 1ڿ ð 9 ʰ 1ڿ ؼ ⺸ ϱ ߴ. Ȯ Ҿ ڿ · 3 ʰ Ʈ 1ڿ Ѵ.
Ӵ뺸 ȯ õ Ѵ.
1б · 15 ʰ Ʈ 2 ѵ ϰ, ñԽÿ LTVѵ Ѵ.
9 ʰ ÿ ǹ ٸ óǹ Ѵ.
Ǽ ִ ȯδ㵵 ȭѴ. ȯ ֵ 1Ⱓ ѽ ûڿ ȯ Ѻäݻȯ(DSR) ؽ ȯ ƴ Ѵ.
PF ȭ·ִü
ִ ũ ε PF νȭ ε Ѵ.
ȣ PF ִ ִ PF ϰ ν·νǿ PF ڻ ϴ ݵ带 ѱڻ(ķ) ߽ ִ 1 Ը PF ȭ Ѵ.
ε Ǭ. 3 ڿ Ӵ·ŸŻڿ ô㺸 ȴ. װ ƴ ڿ Ӵ·ŸŻ ô㺸(LTV) 30% ǰ, 60% .
籹 ä ý Ȳ 鼭 ߰ ȭ Ѵٴ ħ̴. 1ڿ LTV ߰ Ȯϴ , Ӵڿ LTV ȴ.
籹 Ҿȿο ϱ 40 ̻ α Ѵ.
ſ ȸä ̸Ӹ äǴ㺸(P-CBO) 2Ⱓ 5 ű ϰ, A- ̻ 翡 BBB- . 迭ѵ 4000 5000 ÷ ſ ȸä Ѵ. ʿ ñ ź Ѵ.
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