{"id":12531,"date":"2025-11-25T16:22:03","date_gmt":"2025-11-25T07:22:03","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=12531"},"modified":"2026-03-17T18:53:59","modified_gmt":"2026-03-17T09:53:59","slug":"%ec%96%b8%eb%8d%94%eb%9d%bc%ec%9d%b4%ed%8c%85underwriting-%eb%af%b8%ea%b5%ad-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c%ec%9d%98-%ed%95%b5%ec%8b%ac-%ec%a0%88%ec%b0%a8","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/12531\/","title":{"rendered":"\uc5b8\ub354\ub77c\uc774\ud305(Underwriting), \ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \ud575\uc2ec \uc808\ucc28"},"content":{"rendered":"\n<p>\ubbf8\uad6d\uc5d0\uc11c \uc9d1\uc744 \uc0ac\ub824\uace0 \ud558\uba74 \uc5b8\ub354\ub77c\uc774\ud305(Underwriting)\uc774\ub77c\ub294 \ub9d0\uc744 \uaf2d \ud55c \ubc88\uc740 \ub4e3\uac8c \ub429\ub2c8\ub2e4. \ub300\ucd9c \uc2e0\uccad\uc740 \ud588\ub294\ub370, \ub0b4 \uc11c\ub958\uac00 \uad1c\ucc2e\uc740\uc9c0, \uc5b8\uc81c \uc2b9\uc778\ub420\uc9c0, \uc5b4\ub514\uae4c\uc9c0 \ubcf4\ub294\uc9c0 \ud5f7\uac08\ub9ac\uc8e0.<\/p>\n\n\n\n<p>\uc774 \uae00\uc5d0\uc11c\ub294 <strong>\uc5b8\ub354\ub77c\uc774\ud305\uc774\ub780 \ubb34\uc5c7\uc778\uc9c0, \ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \ud575\uc2ec \uc808\ucc28\uac00 \uc5b4\ub5bb\uac8c \uc9c4\ud589\ub418\ub294\uc9c0<\/strong>, \ud2b9\ud788 \ud55c\uad6d\uc778\uc774 \uc900\ube44\ud574\uc57c \ud560 \uc11c\ub958\uc640 \uccb4\ud06c\ud3ec\uc778\ud2b8\ub97c \uc27d\uac8c \uc815\ub9ac\ud574 \ub4dc\ub9b4\uac8c\uc694.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<br><hr>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\uc5b8\ub354\ub77c\uc774\ud305-underwriting-\uc774\ub780-\ubb34\uc5c7\uc778\uac00\uc694\" style=\"font-size:24px\"><strong>\uc5b8\ub354\ub77c\uc774\ud305<\/strong>(Underwriting)<strong>\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"731\" height=\"332\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_02.png\" alt=\"\" class=\"wp-image-12534\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_02.png 731w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_02-300x136.png 300w\" sizes=\"auto, (max-width: 731px) 100vw, 731px\" \/><\/figure>\n<\/div>\n\n\n<p>\uc5b8\ub354\ub77c\uc774\ud305(Underwriting)\uc740 \uae08\uc735 \uae30\uad00\uc774 \ub300\ucd9c\uc744 \uc2e0\uccad\ud55c \uace0\uac1d\uc758 \uc18c\ub4dd\u00b7\uc790\uc0b0\u00b7\ubd80\ucc44\u00b7\ud06c\ub808\ub527\u00b7\ubd80\ub3d9\uc0b0 \uc815\ubcf4\ub97c \uaf3c\uaf3c\ud788 \ud655\uc778\ud574, \uacc4\uc57d \uc2b9\uc778 \uc5ec\ubd80\ub97c \ud310\ub2e8\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2e0\uccad\uc11c\uc5d0 \uc801\ud78c \ub0b4\uc6a9\uacfc \uc2e4\uc81c \uc11c\ub958(\uc740\ud589 \uba85\uc138\uc11c, \uae09\uc5ec \uba85\uc138\uc11c, \ud0dd\uc2a4 \ub9ac\ud134, \ud06c\ub808\ub527 \ub9ac\ud3ec\ud2b8, \uac10\uc815\ud3c9\uac00\uc11c \ub4f1)\ub97c \ud558\ub098\uc529 \ub300\uc870<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<br><hr>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\uc5b8\ub354\ub77c\uc774\ud130\uc758 \uc2ec\uc0ac \uae30\uc900<\/strong><\/h2>\n\n\n\n<p>\uc5b8\ub354\ub77c\uc774\ud130\ub294 \ubcf4\ud1b5 \u20185C\u2019\ub77c\uace0 \ubd80\ub974\ub294 \ub2e4\uc12f \uac00\uc9c0 \uc694\uc18c\ub97c \uc911\uc2ec\uc73c\ub85c \ub300\ucd9c\uc744 \uc2ec\uc0ac\ud569\ub2c8\ub2e4. \u201c<strong>\uc774 \uc9d1 \uac12\uc774 \uc801\ub2f9\ud55c\uc9c0<\/strong>\u201d, \u201c<strong>\uc774 \uc0ac\ub78c\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc0c1\ud658\uc561\uc778\uc9c0<\/strong>\u201d \ub450 \uac00\uc9c0\ub97c \ub3d9\uc2dc\uc5d0 \ubcf8\ub2e4\uace0 \uc774\ud574\ud558\uba74 \ub3fc\uc694.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>\ud56d\ubaa9<\/strong><\/th><th><strong>\uc758\ubbf8<\/strong><\/th><th><strong>\uc608\uc2dc \uc11c\ub958<\/strong><\/th><\/tr><\/thead><tbody><tr><td>\uc2e0\uc6a9(Credit)<\/td><td>\uc5f0\uccb4 \uc5ec\ubd80, \ud06c\ub808\ub527 \uc810\uc218, \ud06c\ub808\ub527 \ud788\uc2a4\ud1a0\ub9ac<\/td><td>\ud06c\ub808\ub527 \ub9ac\ud3ec\ud2b8<\/td><\/tr><tr><td>\uc0c1\ud658 \ub2a5\ub825(Capacity)<\/td><td>\uc18c\ub4dd \ub300\ube44 \ubd80\ucc44 \ube44\uc728(DTI), \uc9c1\uc5c5 \uc548\uc815\uc131<\/td><td>\uae09\uc5ec \uba85\uc138\uc11c, W-2, \ud0dd\uc2a4 \ub9ac\ud134, \uace0\uc6a9 \ud655\uc778\uc11c<\/td><\/tr><tr><td>\uc790\uc0b0(Cash\/Capital)<\/td><td>\ub2e4\uc6b4\ud398\uc774\u00b7\ud074\ub85c\uc9d5 \ube44\uc6a9\u00b7\ub9ac\uc800\ube0c(\ube44\uc0c1 \uc790\uae08)<\/td><td>\uc740\ud589 \uc794\uace0 \uc99d\uba85, \ud22c\uc790 \uacc4\uc88c \uba85\uc138\uc11c<\/td><\/tr><tr><td>\ub2f4\ubcf4(Collateral)<\/td><td>\uc9d1\uc758 \uac00\uce58\uac00 \ub300\ucd9c\uae08 \ub300\ube44 \uc801\uc808\ud55c\uc9c0<\/td><td>\uac10\uc815\ud3c9\uac00\uc11c(Appraisal)<\/td><\/tr><tr><td>\uae30\ud0c0 \uc870\uac74(Character\/Conditions)<\/td><td>\uac70\uc8fc\uc6a9\/\ud22c\uc790\uc6a9 \uc5ec\ubd80, \uc2dc\uc7a5 \uc0c1\ud669, \ud504\ub85c\uadf8\ub7a8 \uaddc\uc815<\/td><td>\ub9e4\ub9e4 \uacc4\uc57d\uc11c, \uc784\ub300 \uc608\uc815 \uacc4\uc57d \ub4f1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<br><hr>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc5b8\ub354\ub77c\uc774\ud305 \uc808\ucc28\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\ub300\ucd9c \uc2e0\uccad \ubc0f \uc0ac\uc804 \uc2b9\uc778(Pre-Approval)<\/strong>\n<ul class=\"wp-block-list\">\n<li>\uae30\ubcf8 \uc815\ubcf4\u00b7\uc18c\ub4dd\u00b7\ubd80\ucc44\ub97c \uc785\ub825\ud558\uba74, \uc2dc\uc2a4\ud15c\uc774 \ub300\ub7b5\uc801\uc778 \ud55c\ub3c4\uc640 \uac00\ub2a5\uc131\uc744 \uba3c\uc800 \ubd05\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uc815\uc2dd \uc2e0\uccad \ubc0f \uc11c\ub958 \uc81c\ucd9c<\/strong>\n<ul class=\"wp-block-list\">\n<li>\ud0dd\uc2a4 \ub9ac\ud134(\ubcf4\ud1b5 2\ub144\uce58), \uae09\uc5ec \uba85\uc138\uc11c, \uc740\ud589 \uba85\uc138\uc11c, \uc2e0\ubd84\/\uccb4\ub958 \uc99d\ube59, \ub9e4\ub9e4 \uacc4\uc57d\uc11c \ub4f1\uc744 \uc81c\ucd9c\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uc790\ub3d9 \uc2ec\uc0ac(AUS) + \uc5b8\ub354\ub77c\uc774\ud130 \uac80\ud1a0<\/strong>\n<ul class=\"wp-block-list\">\n<li>\uc790\ub3d9 \uc2dc\uc2a4\ud15c\uc774 1\ucc28\ub85c DTI\u00b7LTV\u00b7\ud06c\ub808\ub527\uc744 \uc810\uc218\ud654\ud558\uace0,<\/li>\n\n\n\n<li>\uc5b8\ub354\ub77c\uc774\ud130\uac00 \uc608\uc678 \uc0ac\ud56d, \ud2b9\uc774 \uc18c\ub4dd(\uc790\uc601\uc5c5, \ud574\uc678 \uc18c\ub4dd \ub4f1)\uc744 \uc9c1\uc811 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uc870\uac74\ubd80 \uc2b9\uc778(Conditional Approval)<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u201c\uba87 \uac00\uc9c0 \uc11c\ub958\ub9cc \ub354 \uc81c\ucd9c\ud558\uba74 \uc2b9\uc778 \uac00\ub2a5\u201d \uac19\uc740 \ud615\ud0dc\ub85c \ub098\uc624\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc608: \ucd94\uac00 \uc740\ud589 \uba85\uc138\uc11c, \ud68c\uc0ac\uc5d0\uc11c \ubc1c\uae09\ud55c \uc7ac\uc9c1 \ud655\uc778\uc11c \ub4f1.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\ucd5c\uc885 \uc2b9\uc778(Clear to Close) \ubc0f \ud074\ub85c\uc9d5 \uc900\ube44<\/strong>\n<ul class=\"wp-block-list\">\n<li>\uc870\uac74\uc774 \ubaa8\ub450 \ucda9\uc871\ub418\uba74 \ucd5c\uc885 \uc2b9\uc778 \ud6c4, \ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800 \ubc1c\ud589 \u2192 \uc11c\uba85 \ubc0f \uc18c\uc720\uad8c \uc774\uc804 \ub2e8\uacc4\ub85c \ub118\uc5b4\uac11\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<br><hr>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>DTI\u00b7LTV\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><\/h2>\n\n\n\n<p>DTI(Debt-to-Income Ratio)\ub294 <strong>\uc6d4 \uc18c\ub4dd \ub300\ube44 \uc6d4 \ubd80\ucc44 \uc0c1\ud658\uc561\uc758 \ube44\uc728<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>LTV(Loan-to-Value Ratio)\ub294 <strong>\uc9d1 \uac00\uaca9(\ub610\ub294 \uac10\uc815\uac00) \ub300\ube44 \ub300\ucd9c\uae08 \ube44\uc728<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uacf5\uc2dd<\/strong>: LTV = (\ub300\ucd9c \uae08\uc561 \u00f7 \uc9d1 \uac00\uaca9 \ub610\ub294 \uac10\uc815\uac00 \uc911 \ub0ae\uc740 \uac12) \u00d7 100<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<br><hr>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud55c\uad6d\uc778 \ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc5b8\ub354\ub77c\uc774\ud305 \uc900\ube44\ub294 \uc5b4\ub5bb\uac8c \ud558\ub098\uc694?<\/strong><\/h2>\n\n\n\n<p>\ud55c\uad6d\uc778\u00b7\uc678\uad6d\uc778\uc774 \ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc5b8\ub354\ub77c\uc774\ud305\uc744 \ud1b5\uacfc\ud558\ub824\uba74, <strong>\u201c\uc0c1\ud658 \ub2a5\ub825 \uc99d\ube59\u201d\uacfc \u201c\uc790\uc0b0\u00b7\ub2e4\uc6b4\ud398\uc774 \uc99d\ube59\u201d\uc744 \uba3c\uc800 \uc900\ube44\ud558\ub294 \uac83<\/strong>\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uc18c\ub4dd \uad00\ub828 \uc11c\ub958, \uc790\uc0b0\u00b7\ub2e4\uc6b4\ud398\uc774 \uad00\ub828 \uc11c\ub958, \ubd80\ucc44\u00b7\ud06c\ub808\ub527 \uad00\ub828, \uc9d1(\ub2f4\ubcf4) \uad00\ub828<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \uc18c\ub4dd \uad00\ub828 \uc11c\ub958<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubbf8\uad6d \ub0b4 W-2, \uae09\uc5ec \uba85\uc138\uc11c, \ud0dd\uc2a4 \ub9ac\ud134(\ubcf4\ud1b5 2\ub144)<\/li>\n\n\n\n<li>\uc790\uc601\uc5c5\uc790\uc758 \uacbd\uc6b0: \uc0ac\uc5c5\uc790 \uc18c\ub4dd \uc2e0\uace0\uc11c, P&amp;L(\uc190\uc775\uacc4\uc0b0\uc11c)<\/li>\n\n\n\n<li>\ud55c\uad6d \uc18c\ub4dd \ud65c\uc6a9 \uc2dc:\n<ul class=\"wp-block-list\">\n<li>\ud55c\uad6d \uc6d0\ucc9c\uc9d5\uc218 \uc601\uc218\uc99d, \uae09\uc5ec \uba85\uc138\uc11c, \uc18c\ub4dd\uae08\uc561\uc99d\uba85\uc6d0 \ub4f1<\/li>\n\n\n\n<li>\ubc88\uc5ed\/\uacf5\uc99d \uc694\uad6c \uac00\ub2a5 \u2192 \ubbf8\ub9ac \ud655\uc778 \ud544\uc694<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \uc790\uc0b0\u00b7\ub2e4\uc6b4\ud398\uc774 \uad00\ub828 \uc11c\ub958<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc740\ud589\uc794\uace0\uc99d\uba85\uc11c(\ucd5c\uadfc 2\uac1c\uc6d4 \uc774\uc0c1), \uc608\uae08\u00b7\uc801\uae08\u00b7\ud22c\uc790 \uacc4\uc88c \uba85\uc138\uc11c<\/li>\n\n\n\n<li>\ub2e4\uc6b4\ud398\uc774 \uc790\uae08 \ucd9c\ucc98(\uacc4\uc88c\uc774\uccb4 \ub0b4\uc5ed, \uc99d\uc5ec\uc77c \uacbd\uc6b0 \uc99d\uc5ec \uad00\uacc4\u00b7\uc99d\ube59 \ub4f1)<\/li>\n\n\n\n<li>\uc5ec\uc720 \uc790\uae08(Reserves):\n<ul class=\"wp-block-list\">\n<li>\ud074\ub85c\uc9d5 \ud6c4 <strong>\uba87 \uac1c\uc6d4\uce58 \ubaa8\uae30\uc9c0 \ud398\uc774\uba3c\ud2b8\ub97c \ubc84\ud2f8 \uc218 \uc788\ub294\uc9c0<\/strong>\ub3c4 \ubcf4\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \ubd80\ucc44\u00b7\ud06c\ub808\ub527 \uad00\ub828<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubbf8\uad6d \ud06c\ub808\ub527 \ub9ac\ud3ec\ud2b8<\/li>\n\n\n\n<li>\ud55c\uad6d \uce74\ub4dc\/\ub300\ucd9c\uc740 \uc9c1\uc811 \ubc18\uc601\ub418\uc9c4 \uc54a\ub354\ub77c\ub3c4,\n<ul class=\"wp-block-list\">\n<li><strong>\uc2e4\uc81c \uc0c1\ud658 \ubd80\ub2f4\uc744 \uacc4\uc0b0\ud560 \ub54c \ucc38\uace0\ub420 \uc218 \uc788\uc73c\ub2c8<\/strong> \ub80c\ub354\uc640 \ud22c\uba85\ud558\uac8c \uacf5\uc720\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. \uc9d1(\ub2f4\ubcf4) \uad00\ub828<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub9e4\ub9e4 \uacc4\uc57d\uc11c(Purchase Agreement)<\/li>\n\n\n\n<li>\uac10\uc815\ud3c9\uac00(Appraisal) \uacb0\uacfc \u2013 \ub300\ubd80\ubd84 \ub80c\ub354\uac00 \uc9c0\uc815\ud55c \uac10\uc815\uc0ac\ub97c \ud1b5\ud574 \uc9c4\ud589<br><br><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=mortgage_information&amp;utm_content=Underwriting\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"737\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_04-1024x737.png\" alt=\"\" class=\"wp-image-12550\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_04-1024x737.png 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_04-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_04-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_04-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_04-750x540.png 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_04.png 1140w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<br><hr>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38(FAQ)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q1. \uc5b8\ub354\ub77c\uc774\ud305\uc740 \uc5bc\ub9c8\ub098 \uac78\ub9ac\ub098\uc694?<\/strong><\/h3>\n\n\n\n<p>A. \uc77c\ubc18\uc801\uc73c\ub85c <strong>\uc5b8\ub354\ub77c\uc774\ud305\uc744 \ud3ec\ud568\ud55c \uc804\uccb4 \ubaa8\uae30\uc9c0 \uc2b9\uc778 \uacfc\uc815\uc740 40~50\uc77c \uc815\ub3c4<\/strong> \uac78\ub9ac\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc9c0\ub9cc, \uc11c\ub958 \uc900\ube44 \uc0c1\ud0dc, \ud504\ub85c\uadf8\ub7a8 \uc885\ub958, \ub80c\ub354 \ub0b4\ubd80 \ud504\ub85c\uc138\uc2a4\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q2. \uc5b8\ub354\ub77c\uc774\ud305\uc5d0\uc11c \u201c\uc870\uac74\ubd80 \uc2b9\uc778(Conditional Approval)\u201d\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><\/h3>\n\n\n\n<p>A. \uc870\uac74\ubd80 \uc2b9\uc778\uc740 \u201c\uba87 \uac00\uc9c0 \ucd94\uac00 \uc11c\ub958\ub098 \uc870\uac74\uc774 \ucda9\uc871\ub418\uc5b4\uc57c \ud55c\ub2e4\u201d\ub294 \uc758\ubbf8\uc608\uc694. (ex. \ucd94\uac00 \uc740\ud589 \uba85\uc138\uc11c, \uc7ac\uc9c1 \ud655\uc778, \uc138\ubd80 \ucc44\ubb34 \ub0b4\uc5ed \ub4f1)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q3. DTI\uac00 \ub192\uc73c\uba74 \uc5b8\ub354\ub77c\uc774\ud305\uc5d0\uc11c \ubb34\uc870\uac74 \uac70\uc808\ub418\ub098\uc694?<\/strong><\/h3>\n\n\n\n<p>A. DTI\uac00 \ub192\uc73c\uba74 \ub9ac\uc2a4\ud06c\uac00 \ucee4\uc9c0\ub294 \uac74 \ub9de\uc9c0\ub9cc, <em>\ub192\uc740 \uc18c\ub4dd, \ucda9\ubd84\ud55c \ub9ac\uc800\ube0c, \uc5ec\uc720 \uc788\ub294 LTV \ub4f1 \ub2e4\ub978 \uc694\uc18c\ub85c \ubcf4\uc644<\/em>*\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. (* \uc5ec\uc720 \uc790\uae08(Reserves)\uc740 \ubaa8\uae30\uc9c0 \ud398\uc774\uba3c\ud2b8\ub97c \ucd5c\uc18c \uba87 \uac1c\uc6d4 \uce58 \uc774\uc0c1 \ubc84\ud2f8 \uc218 \uc788\ub294 \uc608\uae08\u00b7\ud604\uae08 \uc790\uc0b0\uc744 \ub9d0\ud574\uc694.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q4. \ud574\uc678 \uc18c\ub4dd\ub9cc \uc788\uc5b4\ub3c4 \ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc5b8\ub354\ub77c\uc774\ud305 \ud1b5\uacfc\uac00 \uac00\ub2a5\ud55c\uac00\uc694?<\/strong><\/h3>\n\n\n\n<p>A. \ud2b9\uc815 \ud504\ub85c\uadf8\ub7a8(\uc608: Foreign National Loan)\uc5d0\uc11c\ub294 <strong>\ud574\uc678 \uc18c\ub4dd\u00b7\uc790\uc0b0\uc744 \uc778\uc815\ud574\uc8fc\ub294<\/strong> \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ub80c\ub354\u00b7\ud504\ub85c\uadf8\ub7a8\ubcc4\ub85c \uae30\uc900\uc774 \ub2ec\ub77c\uc11c, <strong>\uc5b8\ub354\ub77c\uc774\ud305\uc5d0\uc11c \uc5b4\ub5a4 \uc11c\ub958\ub97c \uc694\uad6c\ud558\ub294\uc9c0 \uc0ac\uc804\uc5d0 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ud655\uc778\ud558\ub294 \uac83\uc774 \ud544\uc218<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<br><hr>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">\uc5b8\ub354\ub77c\uc774\ud305 \ud55c\ub208\uc5d0 \uc815\ub9ac\ud558\uae30<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"748\" height=\"274\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_03.png\" alt=\"\" class=\"wp-image-12537\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_03.png 748w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_03-300x110.png 300w\" sizes=\"auto, (max-width: 748px) 100vw, 748px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<br><hr>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-loaning-ai-\uc5d0\uc11c-\ub300\ucd9c-\uac00\ub2a5-\uc5ec\ubd80-\ud655\uc778\ud558\uae30\" style=\"font-size:24px\"><strong><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=mortgage_information&amp;utm_content=Underwriting\">Loaning.ai<\/a>\uc5d0\uc11c \ub300\ucd9c \uac00\ub2a5 \uc5ec\ubd80 \ud655\uc778\ud558\uae30<\/strong><\/h2>\n\n\n\n<p>\uc5b8\ub354\ub77c\uc774\ud305\uc740 \uc18c\ub4dd, \uc790\uc0b0, \uc2e0\uc6a9 \uc870\uac74\uc5d0 \ub530\ub77c \uc801\ud569 \uc5ec\ubd80\uac00 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=mortgage_information&amp;utm_content=Underwriting\">Loaning.ai<\/a>\uc5d0\uc11c \ud55c\uad6d\uc778 \uc0c1\ub2f4\uc6d0\uacfc \ud568\uaed8 \ub0b4 \uc18c\ub4dd\u00b7\uc790\uc0b0 \uae30\uc900\uc73c\ub85c \uc5b4\ub5a4 \ubaa8\uae30\uc9c0 \uc635\uc158\uc774 \uac00\ub2a5\ud55c\uc9c0, \uadf8\ub9ac\uace0 \uc5b8\ub354\ub77c\uc774\ud305\uc744 \ud1b5\uacfc\ud558\ub824\uba74 \uc5b4\ub5a4 \uc900\ube44\uac00 \ud544\uc694\ud55c\uc9c0 \ud655\uc778\ud574 \ubcf4\uc138\uc694.<\/p>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=mortgage_information&amp;utm_content=Underwriting\" style=\"background-color:#49cf7e\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Loaning.ai\uc5d0\uc11c \ub300\ucd9c \uac00\ub2a5 \uc5ec\ubd80 \ud655\uc778\ud558\uae30<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubbf8\uad6d\uc5d0\uc11c \uc9d1\uc744 \uc0ac\ub824\uace0 \ud558\uba74 \uc5b8\ub354\ub77c\uc774\ud305(Underwriting)\uc774\ub77c\ub294 \ub9d0\uc744 \uaf2d \ud55c \ubc88\uc740 \ub4e3\uac8c \ub429\ub2c8\ub2e4. \ub300\ucd9c \uc2e0\uccad\uc740 \ud588\ub294\ub370, \ub0b4 \uc11c\ub958\uac00 \uad1c\ucc2e\uc740\uc9c0, \uc5b8\uc81c \uc2b9\uc778\ub420\uc9c0, \uc5b4\ub514\uae4c\uc9c0 \ubcf4\ub294\uc9c0 \ud5f7\uac08\ub9ac\uc8e0. \uc774 \uae00\uc5d0\uc11c\ub294 \uc5b8\ub354\ub77c\uc774\ud305\uc774\ub780 \ubb34\uc5c7\uc778\uc9c0, \ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \ud575\uc2ec \uc808\ucc28\uac00 \uc5b4\ub5bb\uac8c \uc9c4\ud589\ub418\ub294\uc9c0, \ud2b9\ud788 \ud55c\uad6d\uc778\uc774 \uc900\ube44\ud574\uc57c \ud560 \uc11c\ub958\uc640 \uccb4\ud06c\ud3ec\uc778\ud2b8\ub97c \uc27d\uac8c \uc815\ub9ac\ud574 \ub4dc\ub9b4\uac8c\uc694. \uc5b8\ub354\ub77c\uc774\ud305(Underwriting)\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694? \uc5b8\ub354\ub77c\uc774\ud305(Underwriting)\uc740 \uae08\uc735 \uae30\uad00\uc774 \ub300\ucd9c\uc744 \uc2e0\uccad\ud55c \uace0\uac1d\uc758 \uc18c\ub4dd\u00b7\uc790\uc0b0\u00b7\ubd80\ucc44\u00b7\ud06c\ub808\ub527\u00b7\ubd80\ub3d9\uc0b0 \uc815\ubcf4\ub97c \uaf3c\uaf3c\ud788 \ud655\uc778\ud574, \uacc4\uc57d \uc2b9\uc778 [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":12532,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[955],"tags":[],"class_list":["post-12531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-955"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\uc5b8\ub354\ub77c\uc774\ud305(Underwriting), \ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \ud575\uc2ec \uc808\ucc28<\/title>\n<meta name=\"description\" content=\"\uc5b8\ub354\ub77c\uc774\ud305(Underwriting), \ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \ud575\uc2ec\uc774\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uc5b8\ub354\ub77c\uc774\ud305\uc774 \ubb34\uc5c7\uc778\uc9c0\uc640 \ud55c\uad6d\uc778\uc774 \uc900\ube44\ud574\uc57c \ud560 \ubaa8\uae30\uc9c0 \uc2ec\uc0ac \uc11c\ub958, \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38\ub4e4\uc744 \uc54c\uae30 \uc27d\uac8c \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.loaning.ai\/ko\/12531\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\uc5b8\ub354\ub77c\uc774\ud305(Underwriting), \ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \ud575\uc2ec \uc808\ucc28\" \/>\n<meta property=\"og:description\" content=\"\uc5b8\ub354\ub77c\uc774\ud305(Underwriting), \ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \ud575\uc2ec\uc774\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uc5b8\ub354\ub77c\uc774\ud305\uc774 \ubb34\uc5c7\uc778\uc9c0\uc640 \ud55c\uad6d\uc778\uc774 \uc900\ube44\ud574\uc57c \ud560 \ubaa8\uae30\uc9c0 \uc2ec\uc0ac \uc11c\ub958, \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38\ub4e4\uc744 \uc54c\uae30 \uc27d\uac8c \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/ko\/12531\/\" \/>\n<meta property=\"og:site_name\" content=\"\ubbf8\uad6d 30\ub144 \ubaa8\uae30\uc9c0 \uae08\ub9ac | \ub85c\ub2ddAI \ube14\ub85c\uadf8\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-25T07:22:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-17T09:53:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/\uc5b8\ub354\ub77c\uc774\ud305_01.png\" \/>\n\t<meta property=\"og:image:width\" content=\"740\" \/>\n\t<meta property=\"og:image:height\" content=\"557\" 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\uc808\ucc28\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/12531\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/12531\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/\uc5b8\ub354\ub77c\uc774\ud305_01.png\",\"datePublished\":\"2025-11-25T07:22:03+00:00\",\"dateModified\":\"2026-03-17T09:53:59+00:00\",\"description\":\"\uc5b8\ub354\ub77c\uc774\ud305(Underwriting), \ubbf8\uad6d \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \ud575\uc2ec\uc774\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uc5b8\ub354\ub77c\uc774\ud305\uc774 \ubb34\uc5c7\uc778\uc9c0\uc640 \ud55c\uad6d\uc778\uc774 \uc900\ube44\ud574\uc57c \ud560 \ubaa8\uae30\uc9c0 \uc2ec\uc0ac \uc11c\ub958, \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38\ub4e4\uc744 \uc54c\uae30 \uc27d\uac8c 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