{"id":12864,"date":"2025-12-08T09:25:05","date_gmt":"2025-12-08T00:25:05","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=12864"},"modified":"2026-01-12T17:37:32","modified_gmt":"2026-01-12T08:37:32","slug":"thrid-party-%ec%9c%84%ea%b8%b0-%ed%83%88%ec%b6%9c%eb%b2%95-%ea%b0%90%ec%a0%95%ea%b0%80%ea%b0%80-%eb%a7%a4%eb%a7%a4%ea%b0%80%eb%b3%b4%eb%8b%a4-%eb%82%ae%ea%b2%8c-%eb%82%98%ec%99%94%eb%8b%a4%eb%a9%b4","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/12864\/","title":{"rendered":"Third Party \uc704\uae30 \ud0c8\ucd9c\ubc95, \uac10\uc815\uac00\uac00 \ub9e4\ub9e4\uac00\ubcf4\ub2e4 \ub0ae\uac8c \ub098\uc654\ub2e4\uba74?!_[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.3]"},"content":{"rendered":"\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n\n\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n<div style=\"\n    background-color:#F5FBF7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <h3 style=\"margin-top:0; margin-bottom:12px; font-size:18px;\">\n        \ud83d\udcdd <strong>Third Party 2\ud3ec\uc778\ud2b8<\/strong>\n    <\/h3>\n    <ul style=\"padding-left:20px; margin:0;\">\n        <li><strong>Third Party\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc77c<\/strong><br>\n    \uac10\uc815\ud3c9\uac00(Appraisal), \ud0c0\uc774\ud2c0(Title), HOA, \ud654\uc7ac \ubcf4\ud5d8(Homeowner\u2019s Insurance) \ub4f1 Third Party\uac00 \uc9d1\uc758 \uac00\uce58\uc640 \ubc95\uc801 \uc548\uc804\uc131\uc744 \uc810\uac80\ud558\uace0, \uadf8 \uacb0\uacfc\uac00 \ubaa8\uc5ec \ucd5c\uc885 \uc2ec\uc0ac(Underwriting)\uc758 \ud575\uc2ec \uc790\ub8cc\uac00 \ub429\ub2c8\ub2e4.<\/li>\n        <li><strong>\ubcf4\ud5d8\uc0ac \uc120\ud0dd<\/strong><br>\ubcf4\ud5d8\uc0ac \uc120\ud0dd\uacfc \uc77c\uc815 \uccb4\ud06c\ub97c \uccb4\ud06c\ud558\uc2dc\uba74, Third Party \ub2e8\uacc4\uc5d0\uc11c\uc758 \uc9c0\uc5f0\uacfc \ub9ac\uc2a4\ud06c\ub97c \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n        \n    <\/ul>\n<\/div>\n\n\n\n<p>Third Party(\uc81c 3\uc790 \uac80\uc99d) \ub2e8\uacc4\ub294 \uc608\uc0c1\uce58 \ubabb\ud55c \ubcc0\uc218\uac00 \uac00\uc7a5 \ub9ce\uc774 \ud280\uc5b4\ub098\uc624\ub294 \uad6c\uac04\uc774\uc8e0. \ud2b9\ud788 \u2018\uad6c\ub9e4 \uac00\uaca9\ubcf4\ub2e4 \ub0ae\uc740 \uac10\uc815\uac00\uac00 \ub098\uc654\uc744 \ub54c\u2019\uc758 \ub300\ucc98\ubc95\uacfc Third Party \uacfc\uc815\uc744 \ubb34\uc0ac\ud788 \ud1b5\uacfc\ud558\ub294 \ud575\uc2ec \ud3ec\uc778\ud2b8\ub97c \uad81\uae08\ud574 \ud558\uc2dc\ub294 \ubd84\ub4e4\uc774 \ub9ce\uc740\ub370\uc694. \uc774\ubc88 \uae00\uc5d0\uc11c \ud655\uc778\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"845\" height=\"315\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-8-1.png\" alt=\"\" class=\"wp-image-12866\" style=\"width:845px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-8-1.png 845w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-8-1-300x112.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-8-1-768x286.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-8-1-750x280.png 750w\" sizes=\"auto, (max-width: 845px) 100vw, 845px\" \/><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-third-party-\uc81c3\uc790-\uae30\uad00-\ubb34\uc2a8-\uc77c\uc744-\ud558\ub098\uc694\" style=\"font-size:24px\"><strong>1. Third Party(\uc81c3\uc790 \uae30\uad00), \ubb34\uc2a8 \uc77c\uc744 \ud558\ub098\uc694?<\/strong><\/h2>\n\n\n\n<p>\uc27d\uac8c \ub9d0\ud558\uc790\uba74, Third Party\ub294 \u2018\uc9d1\uc5d0 \ub300\ud55c \uc815\ubcf4\ub97c \ubc1b\ub294 \ub2e8\uacc4\u2019\uc785\ub2c8\ub2e4. Ep.2\uc5d0\uc11c \u2018\ub300\ucd9c \uc2e0\uccad\uc790\uc5d0 \ub300\ud55c \uc815\ubcf4\u2019\ub97c \ubc1b\uc558\ub2e4\uba74, \ud604\uc7ac \ub2e8\uacc4\uc5d0\uc11c\ub294 <strong>\uc9d1 \uc790\uccb4\uc758 \uc548\uc804\uc131\uacfc \uac00\uce58<\/strong>\ub97c \uc7ac\ud655\uc778\ud558\ub294 \uac83\uc774\uc8e0.<\/p>\n\n\n\n<p>\uc774\ub54c \ub4f1\uc7a5\ud558\ub294 \uac83\uc774 \ubc14\ub85c Third Party(\uc81c3\uc790 \uae30\uad00)\uc785\ub2c8\ub2e4. \ubaa8\uae30\uc9c0 \ud504\ub85c\uc138\uc2a4\uc5d0\ub294 \ud06c\uac8c \uc138 \uc8fc\uccb4\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub54c \uac10\uc815 \ud3c9\uac00\uc0ac, \ud0c0\uc774\ud2c0 \ud68c\uc0ac, HOA \uad00\ub9ac \uc5c5\uccb4\uac00 3rd party\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"\n    background-color:#F1F7FF;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>\u2713 1st Party:<\/strong> \ub3c8\uc744 \ube4c\ub9ac\ub294 \uace0\uac1d(\ubc14\uc774\uc5b4, Borrower)\n    <br>\n    <strong>\u2713 2st Party:<\/strong> \ub3c8\uc744 \ube4c\ub824\uc8fc\ub294 \ub80c\ub354(Lender, Loaning.ai)\n    <br><strong>\u2713 3rd Party:<\/strong> \ub204\uad6c\uc758 \ud3b8\ub3c4 \ub4e4\uc9c0 \uc54a\uace0, \uac1d\uad00\uc801\uc778 \uc0ac\uc2e4\ub9cc \uac80\uc99d\ud558\ub294 \uc678\ubd80 \uae30\uad00\ub4e4\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-nbsp-third-party\"><strong>\u2705&nbsp;Third Party<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Third Party<\/strong><\/th><th><strong>\uccb4\ud06c \ud56d\ubaa9<\/strong><\/th><\/tr><\/thead><tbody><tr><td>\uac10\uc815\ud3c9\uac00\uc0ac(Appraiser)<\/td><td>\uc774 \uc9d1\uc758 \uc2dc\uc7a5 \uac00\uce58\uac00 \uc801\uc815\ud55c\uac00?<\/td><\/tr><tr><td>\ud0c0\uc774\ud2c0 \ud68c\uc0ac(Title Company)<\/td><td>\uc18c\uc720\uad8c\uacfc \uad8c\ub9ac \uad00\uacc4\uc5d0 \ubb38\uc81c\uac00 \uc5c6\ub294\uac00?<\/td><\/tr><tr><td>HOA \uad00\ub9ac \uc5c5\uccb4<\/td><td>\ucf58\ub3c4\u00b7\ud0c0\uc6b4\ud648 \ub2e8\uc9c0\uc758 \uc7ac\ubb34 \uac74\uc804\uc131\uacfc \ub9ac\uc2a4\ud06c\ub294 \uc5b4\ub5a4\uac00?<\/td><\/tr><tr><td>\ubcf4\ud5d8\uc0ac(Insurance Company)<\/td><td>\ud654\uc7ac\u00b7\uc7ac\ud574\uc5d0 \ub300\ube44\ud55c \ubcf4\ud5d8 \uac00\uc785\uc774 \uc801\uc808\ud558\uac8c \uc900\ube44\ub418\ub294\uac00?<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-third-party-\uc8fc\uc694-\uc5c5\ubb34\uc640-\uc18c\uc694-\uae30\uac04-summary\" style=\"font-size:24px\"><strong>2. Third Party \uc8fc\uc694 \uc5c5\ubb34\uc640 \uc18c\uc694 \uae30\uac04 Summary<\/strong><\/h2>\n\n\n\n<p>Third Party \uc804\ubb38\uac00\ub4e4\uc740 \uc8fc\ud0dd \uac00\uce58\uc640 \uad8c\ub9ac \uad00\uacc4, \uad00\ub9ac \uc0c1\ud0dc\uc640 \ubcf4\ud5d8 \ud655\uc778\uc744 \ud1b5\ud574 \ub2f4\ubcf4 \uc801\uc808\uc131\uc744 \ud310\ub2e8\ud569\ub2c8\ub2e4. \uc774 \ub2e8\uacc4\uc5d0\uc11c \u2018\ub300\ucd9c\uc774 \uac00\ub2a5\ud55c \uc8fc\ud0dd\uc778\uc9c0\u2019\uac00 \uacb0\uc815\ub41c\ub2e4\uace0 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-nbsp-third-party-\ub2e8\uacc4\ubcc4-\ucc98\ub9ac-\uc18c\uc694-\uc2dc\uac04\"><strong>\u2705&nbsp;Third Party \ub2e8\uacc4\ubcc4 \ucc98\ub9ac \uc18c\uc694 \uc2dc\uac04<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\ud56d\ubaa9<\/th><th>\uc218\ud589\uc790<\/th><th>\uc77c\ubc18 \uc18c\uc694\uae30\uac04<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>Appraisal \ubc29\ubb38<\/td><td>Appraiser<\/td><td>3-5\uc77c<\/td><td>\uc9d1 \ubc29\ubb38 \uc77c\uc815 \uc7a1\uae30<\/td><\/tr><tr><td>Appraisal Report<\/td><td>Appraiser<\/td><td>7-10\uc77c<\/td><td>FHA\/VA\ub294 \uc9c0\uc5ed\ubcc4 SLA \uc874\uc7ac<\/td><\/tr><tr><td>Preliminary Title<\/td><td>Title<\/td><td>3-5\uc77c<\/td><td>\ub4f1\uae30\/\uc720\uce58\uad8c \ubb38\uc81c \ud655\uc778<\/td><\/tr><tr><td>HOA Docs<\/td><td>HOA<\/td><td>5-10\uc77c<\/td><td>\uc8fc\ub9c8\ub2e4 \ube44\uc6a9\u00b7\uae30\uac04 \ucc28\uc774 \ud07c<\/td><\/tr><tr><td>Insurance Binder<\/td><td>\ubcf4\ud5d8\uc0ac<\/td><td>\ub2f9\uc77c-2\uc77c<\/td><td>Closing \uc804 \ud544\uc218<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-\uac10\uc815\uac00\uac00-\uacc4\uc57d\uac00\ubcf4\ub2e4-\ub0ae\uac8c-\ub098\uc62c-\ub54c\uc758-\uc635\uc158\" style=\"font-size:24px\"><strong>3. \uac10\uc815\uac00\uac00 \uacc4\uc57d\uac00\ubcf4\ub2e4 \ub0ae\uac8c \ub098\uc62c \ub54c\uc758 \uc635\uc158<\/strong><\/h2>\n\n\n\n<p>\ub9cc\uc57d 100\ub9cc\ubd88\uc5d0 \uacc4\uc57d\uc744 \ud588\ub294\ub370, \uac10\uc815\uac00\ub294 95\ub9cc \ubd88\ub9cc \ub098\uc628\ub2e4\uba74? \uc774\ubbf8 \ub0ae\uc740 \uae08\uc561(95\ub9cc \ubd88)\uc744 \uae30\uc900\uc73c\ub85c \ub300\ucd9c \ud55c\ub3c4\uac00 \uc815\ud574\uc84c\uae30 \ub54c\ubb38\uc5d0 \uc790\uae08 \uacc4\ud68d\uc5d0 \ubb38\uc81c\uac00 \uc0dd\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uae30, 3\uac00\uc9c0 \ub300\uc751 \uc635\uc158\uc744 \uc18c\uac1c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"\n    background-color:#F1F7FF;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>\u2713 Option A. \uc7ac\ud611\uc0c1:<\/strong> \uc140\ub7ec\uc5d0\uac8c \uac10\uc815 \uacb0\uacfc \ub9ac\ud3ec\ud2b8\ub97c \ubcf4\uc5ec \uc8fc\uba70 \ub9e4\ub9e4\uac00\ub97c \uc7ac\ud611\uc0c1\ud569\ub2c8\ub2e4.\n    <br>\n    <strong>\u2713 Option B. \ucc28\uc561 \uc9c0\ubd88:<\/strong> \ubd80\uc871\ud55c \uae08\uc561\ub9cc\ud07c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8(\ud604\uae08)\ub97c \ub354 \ub0b4\uc57c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n    <br><strong>\u2713 Option C. \uacc4\uc57d \ucde8\uc18c:<\/strong> &#8216;\uac10\uc815 \ucee8\ud2f4\uc804\uc2dc(Appraisal Contingency)&#8217;\uac00 \uc788\ub2e4\uba74, \uc704\uc57d\uae08 \uc5c6\uc774 \uacc4\uc57d\uc744 \ucde8\uc18c\ud558\uace0 \ub098\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/div>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n<strong>Q. \uc9d1 \uccad\uc18c\ub97c \ubbf8\ub9ac \ud558\ub294 \uac8c \uc88b\uc744\uae4c\uc694?<\/strong><br>\n\uac10\uc815\ud3c9\uac00\uc0ac\uac00 \ubc29\ubb38\ud558\uae30 \uc804, \ucd5c\uc18c\ud55c\uc758 \uc815\ub9ac \uc815\ub3c8\uc740 \ud544\uc218\uc785\ub2c8\ub2e4. \uc0ac\uc9c4 \ucd2c\uc601\uc774\ub098 \ub3d9\uc120\uc774 \ub9c9\ud790 \uc815\ub3c4\uc758 \uc5b4\uc218\uc120\ud568\uc740 \ud3c9\uac00\uc5d0 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4 .<br>\n\n<\/div>\n\n\n\n<div style=\"text-align:center; margin:24px 0;\">\n  <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=mortgage_information&#038;utm_content=loan_process_ep.3\"\n     style=\"\n        display:inline-block;\n        padding:22px 48px;\n        background-color:#2ECC71;\n        color:#FFFFFF;\n        font-size:18px;\n        font-weight:700;\n        border-radius:8px;\n        text-decoration:none;\n     \">\n   \ud83d\udc49\u00a0\ub0b4 \uae08\ub9ac\uc640 \ud55c\ub3c4, \ube44\uc6a9 \uc5c6\uc774 \ud655\uc778\ud574 \ubcf4\uace0 \uc2f6\ub2e4\uba74?\n  <\/a>\n<\/div>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-third-party\uc5d0\uc11c-\uaf2d-\ud574\uc57c-\ud560-\ud589\ub3d9-\uac00\uc774\ub4dc\"><strong>4. Third Party\uc5d0\uc11c \uaf2d \ud574\uc57c \ud560 \ud589\ub3d9 \uac00\uc774\ub4dc<\/strong><\/h2>\n\n\n\n<p>\uac10\uc815\ud3c9\uac00\uc640 \ud0c0\uc774\ud2c0, HOA \uc11c\ub958\ub294 Loaning.ai\uac00 Third Party\uc640 \uc9c1\uc811 \uc18c\ud1b5\ud558\uba70 \uc8fc\ubb38\u00b7\uad00\ub9ac\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ud654\uc7ac \ubcf4\ud5d8(Homeowner\u2019s Insurance)\ub9cc\ud07c\uc740 \uace0\uac1d\ub2d8\uc758 \uc120\ud0dd\uacfc \uacb0\uc815\uc774 \uc911\uc694\ud55c \uc601\uc5ed\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"\n    background-color:#F1F7FF;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n<strong>1. \ubcf4\ud5d8 \uc1fc\ud551 (Insurance Shopping)<\/strong>: \ud654\uc7ac \ubcf4\ud5d8(Homeowner&#8217;s Insurance)\uc740 \ubc14\uc774\uc5b4\uac00 \uc9c1\uc811 \uace8\ub77c\uc57c \ud569\ub2c8\ub2e4.<br> \ucd5c\uc18c 2~3\uacf3\uc5d0\uc11c \uacac\uc801\uc744 \ubc1b\uc544 \ubcf4\uc7a5 \ubc94\uc704\uc640 \ubcf4\ud5d8\ub8cc\ub97c \ube44\uad50\ud574 \ubcf4\uc138\uc694. \uacb0\uc815 \ud6c4 &#8216;Insurance Binder(\uac00\uc785 \uc99d\uc11c)&#8217;\ub97c \ub80c\ub354\uc5d0\uac8c \uc804\ub2ec\ud558\uba74 \ub429\ub2c8\ub2e4.<br><br>\n\n<strong>2. HOA \uc5f0\ub77d \uccb4\ud06c<\/strong>: (\ucf58\ub3c4\/\ud0c0\uc6b4\ud648) HOA \uad00\ub9ac \uc5c5\uccb4\uac00 \uc11c\ub958 \ubc1c\uae09\uc744 \uc704\ud574 \uc218\uc218\ub8cc\ub098 \uc9c8\ubb38\uc9c0\ub97c \uc694\uccad\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4.<br> \uc774\uba54\uc77c\uc744 \uc8fc\uae30\uc801\uc73c\ub85c \ud655\uc778\ud574\uc11c \ubc14\ub85c \ub300\uc751\ud574 \uc8fc\uc138\uc694.<br><br>\n\n<strong>3. \ubc29\ubb38 \uc77c\uc815 \ud611\uc870<\/strong>: \uac10\uc815\ud3c9\uac00\uc0ac\uac00 \uc9d1\uc5d0 \ubc29\ubb38\ud560 \ub54c \ubb38\uc744 \uc5f4\uc5b4\uc918\uc57c \ud569\ub2c8\ub2e4.<br> \ub9ac\uc5bc\ud130\ub97c \ud1b5\ud574 \ub0a0\uc9dc\uc640 \uc2dc\uac04\uc744 \ubbf8\ub9ac \ud655\uc778\ud574 \uc8fc\uc138\uc694.\n\n<\/div>\n\n\n\n<div style=\"\n    background-color:#FFFBEA;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    \ud83d\udca1 \ubcf4\ud5d8\uc740 \ubcf4\ud1b5 \ub2f9\uc77c~1\u00b72\uc77c \ub0b4\ub85c \ucc98\ub9ac\ud560 \uc218 \uc788\uc9c0\ub9cc, \ub9c9\ud310\uc5d0 \uc900\ube44\ud558\ub824\uace0 \ud558\uba74 \ud074\ub85c\uc9d5 \uc9c1\uc804\uc5d0 \uc77c\uc815\uc774 \uaf2c\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. ITP \uc11c\uba85 \uc9c1\ud6c4, Step 3 \ucd08\ubc18\uc5d0 \ubbf8\ub9ac \ubcf4\ud5d8\uc0ac\ub97c \uc54c\uc544\ubcf4\ub294 \uac83\uc744 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4.\n<\/div>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-\uc228\uc740-\ubcf5\ubcd1-\ud0c0\uc774\ud2c0-title-\uacfc-hoa\" style=\"font-size:24px\"><strong>5. \uc228\uc740 \ubcf5\ubcd1 : \ud0c0\uc774\ud2c0(Title)\uacfc HOA<\/strong><\/h2>\n\n\n\n<p>\uac10\uc815\uac00\ub9cc\ud07c \uc911\uc694\ud55c \uac83\uc774 &#8216;\uad8c\ub9ac \ubd84\uc11d(Title Search)&#8217;\uc785\ub2c8\ub2e4. \uc804 \uc8fc\uc778\uc774 \uc9d1\uc5d0 \ubab0\ub798 \uac78\uc5b4\ub454 \ube5a(Lien)\uc774\ub098 \uc18c\uc1a1\uc774 \ubc1c\uacac\ub418\uba74, \uc774\ub97c \ud574\uacb0\ud558\uae30 \uc804\uae4c\uc9c0\ub294 \ub300\ucd9c\uc774 \uc9c0\uc5f0\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c, \ucf58\ub3c4\ub098 \ud0c0\uc6b4\ud648\uc758 \uacbd\uc6b0 <strong>HOA\uc758 \uc7ac\uc815 \uc0c1\ud0dc<\/strong>\uac00 \ub098\uc058\uac70\ub098 \uc18c\uc1a1 \uc911\uc774\ub77c\uba74 \ub300\ucd9c \uac70\uc808 \uc0ac\uc720\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc11c\ub958\ub4e4\uc740 \ubc1c\uae09\ubc1b\ub294 \ub370 \uc2dc\uac04\uc774 \uc624\ub798 \uac78\ub9ac\ubbc0\ub85c(5~10\uc77c), \uc77c\uc815\uc774 \uc9c0\uc5f0\ub418\uc9c0 \uc54a\ub3c4\ub85d \ubbf8\ub9ac\ubbf8\ub9ac \ucc59\uaca8\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-\ubaa8\ub4e0-third-party-\uc11c\ub958\uac00-\ubaa8\uc774\uba74-\ucd5c\uc885-\uc2ec\uc0ac-\ub85c-\uac11\ub2c8\ub2e4\" style=\"font-size:24px\"><strong>6. \ubaa8\ub4e0 Third Party \uc11c\ub958\uac00 \ubaa8\uc774\uba74 \u2018\ucd5c\uc885 \uc2ec\uc0ac\u2019\ub85c \uac11\ub2c8\ub2e4<\/strong><\/h2>\n\n\n\n<p>Step 3\uac00 \ub05d\ub098\ub824\uba74, \ub2e4\uc74c \ub124 \uac00\uc9c0 \ucd95\uc774 \ubaa8\ub450 \uc900\ube44\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"\n    background-color:#F1F7FF;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n<strong>\u2705 Appraisal Report<\/strong> \u2013 \uac10\uc815\ud3c9\uac00 \ubcf4\uace0\uc11c<br> \n<strong>\u2705 Preliminary Title Report(Prelim)<\/strong> \u2013 \ud0c0\uc774\ud2c0 \ub9ac\ud3ec\ud2b8<br> \n<strong>\u2705 HOA Docs \/ HOA Certification<\/strong> \u2013 \ucf58\ub3c4\u00b7\ud0c0\uc6b4\ud648 \ub2e8\uc9c0 \uc11c\ub958(\ud574\ub2f9 \uc2dc)<br> \n<strong>\u2705 Insurance Binder <\/strong> \u2013 \ud654\uc7ac \ubcf4\ud5d8 \uac00\uc785 \uc99d\uc11c<br> \n\n<\/div>\n\n\n\n<p>\uc774 \uc11c\ub958\ub4e4\uc774, Ep.2\uc5d0\uc11c \uc900\ube44\ud55c <strong>\uc18c\ub4dd\u00b7\uc790\uc0b0\u00b7\uc2e0\uc6a9 \uc11c\ub958<\/strong>\uc640 \ud568\uaed8 \ubb36\uc5ec \uc5b8\ub354\ub77c\uc774\ud130(Underwriter)\uc758 \ucc45\uc0c1 \uc704\uc5d0 \uc62c\ub77c\uac00\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\uc81c \ub2e4\uc74c \ub2e8\uacc4\uc778 Step 4. \uc815\ubc00 \uc11c\ub958 \uac80\uc99d \ubc0f \uc2ec\uc0ac(Underwriting &amp; Conditions)\uc5d0\uc11c \uc5b8\ub354\ub77c\uc774\ud130\uac00 \uc774 \ubaa8\ub4e0 \uc815\ubcf4\ub97c \ubc14\ud0d5\uc73c\ub85c <strong>\ucd5c\uc885 \uc2b9\uc778 \uc5ec\ubd80<\/strong>\ub97c \ud310\ub2e8\ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\uc9c0\uae08 \ub0b4 \uc9d1\uc774 Third Party \ub2e8\uacc4\uc5d0\uc11c \uc5b4\ub5bb\uac8c \ud3c9\uac00\ub418\uace0 \uc788\ub294\uc9c0, \uac10\uc815\ud3c9\uac00\u00b7\ud0c0\uc774\ud2c0\u00b7\ubcf4\ud5d8 \uc77c\uc815\uc774 \uacc4\ud68d\ub300\ub85c \uc9c4\ud589\ub418\uace0 \uc788\ub294\uc9c0 \uad81\uae08\ud558\uc2dc\ub2e4\uba74, <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.3\">Loaning.ai<\/a> \ub2f4\ub2f9\uc790\uc5d0\uac8c Third Party \uc9c4\ud589 \ud604\ud669\uc744 \ubb38\uc758\ud574 \ubcf4\uc138\uc694. \uc548\uc804\ud55c \uac70\ub798\ub97c \uc704\ud55c \ubaa8\ub4e0 \uacfc\uc815\uc744 \ud568\uaed8 \uc810\uac80\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"text-align:center; margin:24px 0;\">\n  <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=mortgage_information&#038;utm_content=loan_process_ep.3\"\n     style=\"\n        display:inline-block;\n        padding:22px 48px;\n        background-color:#2ECC71;\n        color:#FFFFFF;\n        font-size:18px;\n        font-weight:700;\n        border-radius:8px;\n        text-decoration:none;\n     \">\n   \ud83d\udc49\u00a0\ucc44\ud305\uc73c\ub85c \uac04\ud3b8 \ubb38\uc758\ud558\uae30\n  <\/a>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\uc694\uc57d-\uccb4\ud06c\ub9ac\uc2a4\ud2b8\" style=\"font-size:24px\"><strong>\ud83d\udcdd \uc694\uc57d : \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"845\" height=\"480\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step3.png\" alt=\"\" class=\"wp-image-12869\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step3.png 845w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step3-300x170.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step3-768x436.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step3-750x426.png 750w\" sizes=\"auto, (max-width: 845px) 100vw, 845px\" \/><figcaption class=\"wp-element-caption\">Third Party<\/figcaption><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uccb4\ud06c \ud56d\ubaa9<\/th><th>\uc0c1\uc138<\/th><\/tr><\/thead><tbody><tr><td><strong>1. \uc9c4\ud589 \uc0c1\ud669 \uccb4\ud06c<\/strong><\/td><td>\uac10\uc815\ud3c9\uac00\uc640 \ud0c0\uc774\ud2c0 \uc624\ub354\uac00 \ub4e4\uc5b4\uac14\ub294\uc9c0 \ub2f4\ub2f9\uc790\uc5d0\uac8c \ud655\uc778\ud574 \ubcf4\uc138\uc694.<\/td><\/tr><tr><td><strong>2. \ubcf4\ud5d8 \uc1fc\ud551 (\ud544\uc218)<\/strong><\/td><td>\uc8fc\ud0dd \ud654\uc7ac \ubcf4\ud5d8(Homeowner&#8217;s Insurance) \uacac\uc801\uc744 \ubc1b\uc544\ubcf4\uc168\ub098\uc694?<\/td><\/tr><tr><td><strong>3. \uc5d0\uc774\uc804\ud2b8 \uc5f0\uacb0<\/strong><\/td><td>\uc120\uc815\ud55c \ubcf4\ud5d8 \uc5d0\uc774\uc804\ud2b8\uc758 \uc5f0\ub77d\ucc98\ub97c <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.3\">Loaning.ai<\/a>\uc5d0 \uc804\ub2ec\ud558\uc168\ub098\uc694?<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\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=loan_process_ep.3\" style=\"background-color:#49cf7e\"><strong><strong>\ud83d\udc49 \uc804\ubb38\uac00\uc5d0\uac8c Third Party \uc9c4\ud589 \ud604\ud669 \ubb38\uc758\ud558\uae30<\/strong><\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Third Party 2\ud3ec\uc778\ud2b8 Third Party\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc77c \uac10\uc815\ud3c9\uac00(Appraisal), \ud0c0\uc774\ud2c0(Title), HOA, \ud654\uc7ac \ubcf4\ud5d8(Homeowner\u2019s Insurance) \ub4f1 Third Party\uac00 \uc9d1\uc758 \uac00\uce58\uc640 \ubc95\uc801 \uc548\uc804\uc131\uc744 \uc810\uac80\ud558\uace0, \uadf8 \uacb0\uacfc\uac00 \ubaa8\uc5ec \ucd5c\uc885 \uc2ec\uc0ac(Underwriting)\uc758 \ud575\uc2ec \uc790\ub8cc\uac00 \ub429\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac \uc120\ud0dd\ubcf4\ud5d8\uc0ac \uc120\ud0dd\uacfc \uc77c\uc815 \uccb4\ud06c\ub97c \uccb4\ud06c\ud558\uc2dc\uba74, Third Party \ub2e8\uacc4\uc5d0\uc11c\uc758 \uc9c0\uc5f0\uacfc \ub9ac\uc2a4\ud06c\ub97c \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. Third Party(\uc81c 3\uc790 \uac80\uc99d) \ub2e8\uacc4\ub294 \uc608\uc0c1\uce58 \ubabb\ud55c \ubcc0\uc218\uac00 \uac00\uc7a5 \ub9ce\uc774 [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":12993,"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":[47],"tags":[],"class_list":["post-12864","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-47"],"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>Third Party \uc704\uae30 \ud0c8\ucd9c\ubc95, \uac10\uc815\uac00\uac00 \ub9e4\ub9e4\uac00\ubcf4\ub2e4 \ub0ae\uac8c \ub098\uc654\ub2e4\uba74?!_[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.3]<\/title>\n<meta name=\"description\" content=\"Third Party(\uc81c3\uc790 \uae30\uad00) \uac80\uc99d \ub2e8\uc5d0\uc11c \uac10\uc815\uac00\uac00 \uacc4\uc57d\uac00\ubcf4\ub2e4 \ub0ae\uac8c \ub098\uc62c \ub54c \uc5b4\ub5a4 \uc120\ud0dd\uc9c0\uac00 \uc788\ub294\uc9c0, \ud0c0\uc774\ud2c0\u00b7HOA\u00b7\ubcf4\ud5d8 \uc11c\ub958\uac00 \uc9c0\uc5f0\ub420 \ub54c \ubaa8\uae30\uc9c0 \uc77c\uc815\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \uc8fc\ub294, \ud55c\uad6d\uc778 \uccab \uc9d1 \uad6c\ub9e4\uc790\ub97c \uc704\ud55c \uccb4\ud06c\ub9ac\uc2a4\ud2b8\ub97c \uc815\ub9ac\ud574 \ubcf4\uc558\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\/12864\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Third Party \uc704\uae30 \ud0c8\ucd9c\ubc95, \uac10\uc815\uac00\uac00 \ub9e4\ub9e4\uac00\ubcf4\ub2e4 \ub0ae\uac8c \ub098\uc654\ub2e4\uba74?!_[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.3]\" \/>\n<meta property=\"og:description\" content=\"Third Party(\uc81c3\uc790 \uae30\uad00) \uac80\uc99d \ub2e8\uc5d0\uc11c \uac10\uc815\uac00\uac00 \uacc4\uc57d\uac00\ubcf4\ub2e4 \ub0ae\uac8c \ub098\uc62c \ub54c \uc5b4\ub5a4 \uc120\ud0dd\uc9c0\uac00 \uc788\ub294\uc9c0, \ud0c0\uc774\ud2c0\u00b7HOA\u00b7\ubcf4\ud5d8 \uc11c\ub958\uac00 \uc9c0\uc5f0\ub420 \ub54c \ubaa8\uae30\uc9c0 \uc77c\uc815\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \uc8fc\ub294, \ud55c\uad6d\uc778 \uccab \uc9d1 \uad6c\ub9e4\uc790\ub97c \uc704\ud55c \uccb4\ud06c\ub9ac\uc2a4\ud2b8\ub97c \uc815\ub9ac\ud574 \ubcf4\uc558\uc2b5\ub2c8\ub2e4.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/ko\/12864\/\" \/>\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=\"2025-12-08T00:25:05+00:00\" 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