{"id":12903,"date":"2025-12-08T09:26:53","date_gmt":"2025-12-08T00:26:53","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=12903"},"modified":"2025-12-09T16:13:02","modified_gmt":"2025-12-09T07:13:02","slug":"%ed%81%b4%eb%a1%9c%ec%a7%95-%eb%94%94%ec%8a%a4%ed%81%b4%eb%a1%9c%ec%a0%80closing-disclosure-cd%ec%99%80-le-%ec%88%ab%ec%9e%90%ea%b0%80-%eb%8b%a4%eb%a5%bc-%eb%95%8c-%ec%b2%b4%ed%81%ac%ed%95%b4","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/12903\/","title":{"rendered":"\ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure; CD)\uc640 LE \uc22b\uc790\uac00 \ub2e4\ub97c \ub54c \uccb4\ud06c\ud574\uc57c \ud560 \uac83_[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.6]"},"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> \ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure; CD) 3\uc904 \uc694\uc57d<\/strong>\n    <\/h3>\n    <ul style=\"padding-left:20px; margin:0;\">\n        <li>\ube44\uc6a9 \ube44\uad50: \ucd08\uae30 \uacac\uc801(LE)\uacfc \ucd5c\uc885 \uba85\uc138\uc11c(CD)\ub97c \ub300\uc870\ud558\uc5ec, \ub80c\ub354 \uc218\uc218\ub8cc \ub4f1 \ubd80\ub2f9\ud558\uac8c \ub298\uc5b4\ub09c &#8216;\uc228\uc740 \ube44\uc6a9&#8217;\uc774 \uc5c6\ub294\uc9c0 \ubc18\ub4dc\uc2dc \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4 .<br>\n        <li>3\uc77c \ub300\uae30: CD \uc11c\uba85 \ud6c4\uc5d0\ub294 \ubc14\uc774\uc5b4\uac00 \ucd5c\uc885 \uc870\uac74\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\ub3c4\ub85d \ubc95\uc801\uc73c\ub85c \uac15\uc81c\ub41c &#8216;3\uc77c\uc758 \ucfe8\ub9c1\uc624\ud504(Cooling-off)&#8217; \uae30\uac04\uc744 \uac70\uccd0\uc57c \ud569\ub2c8\ub2e4.<br>\n        <li>\uc774\uba54\uc77c\ub85c CD\ub97c \ubc1b\ub294 \uc989\uc2dc &#8216;\uc218\ub839 \uc11c\uba85&#8217;\uc744 \uc644\ub8cc\ud574\uc57c 3\uc77c \uce74\uc6b4\ud2b8\ub2e4\uc6b4\uc774 \uc2dc\uc791\ub418\uba70, \ub2a6\uc5b4\uc9c8 \uacbd\uc6b0 \uc774\uc0ac \ub0a0\uc9dc\uac00 \ubc00\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br>\n   \n        \n    <\/ul>\n<\/div>\n\n\n\n<p>\uc774\uc81c \ub80c\ub354\ub294 \ub9c8\uc9c0\ub9c9 \uc11c\ub958 \ud558\ub098\ub97c \ubc1c\uc1a1\ud569\ub2c8\ub2e4. \ubc14\ub85c \ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure, CD)\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><em>&#8220;\ucc98\uc74c\uc5d0 \ubc1b\uc558\ub358 \ub860 \uc5d0\uc2a4\ud2f0\uba54\uc774\ud2b8(LE)\ub791 \uc774\uc790\uc728\uc774 \uc65c \ub2e4\ub974\uc8e0?&#8221;, &#8220;\ube68\ub9ac \uc774\uc0ac \uac00\uace0 \uc2f6\uc740\ub370, \uc65c 3\uc77c\uc744 \ubb34\uc870\uac74 \uae30\ub2e4\ub824\uc57c \ud558\ub098\uc694?&#8221;<\/em><\/p>\n\n\n\n<p>\uac80\uc0c9\ucc3d\uc5d0 \uc774\ub7f0 \uc9c8\ubb38\uc744 \uc785\ub825\ud558\uc168\ub2e4\uba74 \uc798 \ucc3e\uc544\uc624\uc168\uc2b5\ub2c8\ub2e4. \uc624\ub298\uc740 \uc11c\uba85\ud558\uae30 \uc804 \ubc18\ub4dc\uc2dc \ud655\uc778\ud574\uc57c \ud560 &#8216;LE\uc640 CD\uc758 \uacb0\uc815\uc801 \ucc28\uc774&#8217;\uc640, \ubc14\uc774\uc5b4\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \ubc95\uc73c\ub85c \uac15\uc81c\ub41c &#8216;3\uc77c\uc758 \ucfe8\ub9c1\uc624\ud504 \uae30\uac04(Cooling-off Period)&#8217;\uc5d0 \ub300\ud574 \ub0b1\ub0b1\uc774 \ud30c\ud5e4\uccd0 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"845\" height=\"315\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-6-1.png\" alt=\"\" class=\"wp-image-12906\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-6-1.png 845w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-6-1-300x112.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-6-1-768x286.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-6-1-750x280.png 750w\" sizes=\"auto, (max-width: 845px) 100vw, 845px\" \/><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-\ud074\ub85c\uc9d5-\ub514\uc2a4\ud074\ub85c\uc800-closing-disclosure-cd-\ub780-\ubb34\uc5c7\uc778\uac00\" style=\"font-size:24px\"><strong>1. \ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure; CD)\ub780 \ubb34\uc5c7\uc778\uac00?<\/strong><\/h2>\n\n\n\n<p>\ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure; CD)\ub294 \uc27d\uac8c \ub9d0\ud574 &#8216;\uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c \ucd5c\uc885 \uba85\uc138\uc11c&#8217;\uc785\ub2c8\ub2e4. \ub300\ucd9c \uc2e0\uccad \ucd08\uae30\uc5d0 \ubc1b\uc558\ub358 LE(Loan Estimate)\uac00 &#8220;\ub300\ub7b5 \uc774 \uc815\ub3c4 \ube44\uc6a9\uc774 \ub4e4 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4&#8221;\ub77c\ub294 &#8216;\uac00\uacac\uc801\uc11c&#8217;\uc600\ub2e4\uba74, \ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure; CD)\ub294 &#8220;\uc2e4\uc81c \ud074\ub85c\uc9d5 \uc2dc \uc9c0\ubd88\ud574\uc57c \ud560 1\uc13c\ud2b8 \ub2e8\uc704\uae4c\uc9c0 \ud655\uc815\ub41c \uae08\uc561&#8221;\uc744 \ubcf4\uc5ec \uc8fc\ub294 &#8216;\uccad\uad6c\uc11c&#8217;\uc774\uc790 &#8216;\uc601\uc218\uc99d&#8217;\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uc11c\ub958\uc5d0\ub294 \ub300\ucd9c \uc870\uac74\uc758 \ubaa8\ub4e0 \uac83\uc774 \ub2f4\uaca8 \uc788\uc2b5\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    \u2713 \ucd5c\uc885 \ud655\uc815 \uae08\ub9ac (Interest Rate)\n    <br>\n    \u2713 \uc6d4 \uc0c1\ud658\uc561 (Monthly P&#038;I)\n      <br>\n    \u2713 \ud074\ub85c\uc9d5 \ube44\uc6a9 (Closing Costs)\n      <br>\n    \u2713 \ucd5c\uc885 \ud544\uc694 \ud604\uae08 (Cash to Close)\n      <br>\n<\/div>\n\n\n\n<p>\uc774 \uc11c\ub958\uac00 \uc911\uc694\ud55c \uc774\uc720\ub294 \ubc95\uc801 \uad6c\uc18d\ub825 \ub54c\ubb38\uc785\ub2c8\ub2e4. CD\uc5d0 \uc801\ud78c \ub0b4\uc6a9\uc740 \uc2e4\uc81c \ub300\ucd9c \uacc4\uc57d\uc11c(Promissory Note)\uc758 \uae30\ucd08\uac00 \ub418\uba70, \uc774 \uc22b\uc790\ub97c \ubc14\ud0d5\uc73c\ub85c \uc5d0\uc2a4\ud06c\ub85c\uc5d0 \uc794\uae08\uc744 \uc1a1\uae08\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<h2 class=\"wp-block-heading\" id=\"h-2-\ud074\ub85c\uc9d5-\ub514\uc2a4\ud074\ub85c\uc800-closing-disclosure-cd-\uc640-le-\uc22b\uc790\uac00-\ub2ec\ub77c\uc9c0\ub294-\uc774\uc720-discrepancy\" style=\"font-size:24px\"><strong>2. \ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure; CD)\uc640 LE, \uc22b\uc790\uac00 \ub2ec\ub77c\uc9c0\ub294 \uc774\uc720 (Discrepancy)<\/strong><\/h2>\n\n\n\n<p>\ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure, CD)\uac00 LE\uc758 \uc22b\uc790\uac00 100% \uc77c\uce58\ud558\uba74 \uc88b\uaca0\uc9c0\ub9cc, \ud604\uc2e4\uc801\uc73c\ub85c\ub294 \ubbf8\uc138\ud55c \ucc28\uc774\uac00 \ubc1c\uc0dd\ud560 \uc218\ubc16\uc5d0 \uc5c6\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc &#8216;\ub0a9\ub4dd \uac00\ub2a5\ud55c \ucc28\uc774&#8217;\uc640 &#8216;\ub530\uc838\ubd10\uc57c \ud560 \ucc28\uc774&#8217;\ub294 \ubd84\uba85\ud788 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud5c8\uc6a9 \uac00\ub2a5\ud55c \uc624\ucc28\uc758 \uacbd\uc6b0, \ud074\ub85c\uc9d5 \ub0a0\uc9dc\uac00 \ud655\uc815\ub418\uba74\uc11c \ubc1c\uc0dd\ud558\ub294 \uae30\uc220\uc801 \uc870\uc815\uc73c\ub85c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-nbsp-\ud5c8\uc6a9-\uac00\ub2a5\ud55c-\uc624\ucc28\">\u2705<strong>&nbsp;\ud5c8\uc6a9 \uac00\ub2a5\ud55c \uc624\ucc28<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>\ud5c8\uc6a9 \uac00\ub2a5\ud55c \uc624\ucc28<\/strong> \ud56d\ubaa9<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td><strong>\uc120\ub0a9 \uc774\uc790 (Prepaid Interest)<\/strong><\/td><td>\ubaa8\uae30\uc9c0 \uc774\uc790\ub294 \uc77c\ud560 \uacc4\uc0b0\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ud074\ub85c\uc9d5\uc774 \uc6d4\ub9d0\uc778 25\uc77c\uc5d0 \ub41c\ub2e4\uba74 5\uc77c \uce58 \uc774\uc790\ub9cc \ub0b4\uba74 \ub418\uc9c0\ub9cc, \uc6d4\ucd08\uc778 5\uc77c\uc5d0 \ub41c\ub2e4\uba74 25\uc77c \uce58 \uc774\uc790\ub97c \ubbf8\ub9ac \ub0b4\uc57c \ud569\ub2c8\ub2e4. \uc774 \ub0a0\uc9dc \uc870\uc815\uc5d0 \ub530\ub77c \uae08\uc561\uc774 \ubcc0\ub3d9\ub429\ub2c8\ub2e4.<\/td><\/tr><tr><td><strong>\uc81c3\uc790 \ube44\uc6a9 \uc870\uc815<\/strong><\/td><td>\ud0c0\uc774\ud2c0 \ubcf4\ud5d8\ub8cc\ub098 \ub4f1\uae30 \ube44\uc6a9 \ub4f1\uc740 \ucd08\uae30 \uacac\uc801 \ub2f9\uc2dc \ub80c\ub354\uac00 \uc608\uc0c1\uce58(Estimate)\ub85c \uc7a1\uc558\ub358 \uae08\uc561\uc785\ub2c8\ub2e4. \uc2e4\uc81c \ud574\ub2f9 \uc5c5\uccb4\uc5d0\uc11c \uccad\uad6c\uc11c\ub97c \ubcf4\ub0b4\uc624\uba74 \uc815\ud655\ud55c \uae08\uc561\uc73c\ub85c \uc218\uc815\ub429\ub2c8\ub2e4.<\/td><\/tr><\/tbody><\/table><\/figure>\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 \ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure, CD) \uae08\uc561\uc774 &#8220;\uc65c \ub2ec\ub77c\uc84c\ub294\uc9c0&#8221;\uc5d0 \ub300\ud55c \uc124\uba85\uc740 \ubc18\ub4dc\uc2dc \uc694\uad6c\ud558\uc154\uc57c \ud569\ub2c8\ub2e4. \uc800\ud76c Loaning.ai\ub294 \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574 LE\uc640 CD\uc758 \ucc28\uc561\uc744 \uc790\ub3d9\uc73c\ub85c \ubd84\uc11d\ud558\uc5ec, \ubcc0\ub3d9\ub41c \ud56d\ubaa9\uc774 \uc815\ub2f9\ud55c \uc870\uc815\uc778\uc9c0, \uc544\ub2c8\uba74 \uc624\ub958\uc778\uc9c0 \uace0\uac1d\ub2d8\uaed8 \ud22c\uba85\ud558\uac8c \ub9ac\ud3ec\ud305\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.\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.6\"\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\ub098\ub3c4 \ubaa8\ub974\uac8c \ub298\uc5b4\ub09c &#8216;\uc228\uc740 \ube44\uc6a9&#8217;\uc744 \ucc3e\uc544\ub4dc\ub9bd\ub2c8\ub2e4.\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-3-\ubc95\uc801-\ubcf4\ud638-\uc7a5\uce58-3\uc77c\uc758-\uac15\uc81c-\ud734\uc2dd-cooling-off-period\" style=\"font-size:24px\"><strong>3. \ubc95\uc801 \ubcf4\ud638 \uc7a5\uce58: 3\uc77c\uc758 \uac15\uc81c \ud734\uc2dd (Cooling-off Period)<\/strong><\/h2>\n\n\n\n<p>CD\ub97c \ubc1b\uace0 \uc11c\uba85\ud588\ub2e4\uace0 \ud574\uc11c \ubc14\ub85c \ub2e4\uc74c \ub0a0 \uc9d1\uc744 \uc0b4 \uc218 \uc788\ub294 \uac8c \uc544\ub2d9\ub2c8\ub2e4. \ubbf8\uad6d \uc5f0\ubc29\ubc95\uc740 CD \uc218\ub839 \ud6c4 &#8216;3\uc601\uc5c5\uc77c(Business Days)\uc758 \ub300\uae30 \uae30\uac04&#8217;\uc744 \uc758\ubb34\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c &#8216;\ucfe8\ub9c1\uc624\ud504 \uae30\uac04(Cooling-off Period)&#8217;\uc774\ub77c\uace0 \ubd80\ub985\ub2c8\ub2e4.<\/p>\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. \uc65c \uc774\ub7f0 \uc81c\ub3c4\uac00 \uc0dd\uacbc\ub098\uc694?<\/strong><br>\n\ubc14\uc774\uc5b4\uac00 \ucd5c\uc885 \uc870\uac74\uc744 \uaf3c\uaf3c\ud788 \uc77d\uc5b4\ubcf4\uace0, \ube44\uad50\ud558\uace0, \uc774\ud574\ud560 \uc218 \uc788\ub294 &#8216;\uc0dd\uac01\ud560 \uc2dc\uac04&#8217;\uc744 \ubc95\uc801\uc73c\ub85c \ubcf4\uc7a5\ud574 \uc8fc\uae30 \uc704\ud55c \uc81c\ub3c4\uc785\ub2c8\ub2e4.<br>\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. 3\uc77c \uce74\uc6b4\ud2b8 \ub2e4\uc6b4\uc740 \uc5b8\uc81c\ubd80\ud130 \uc2dc\uc791\ub418\ub098\uc694?<\/strong><br><br>\n\uc5ec\uae30\uc11c \uc8fc\uc758\ud560 \uc810\uc740 &#8216;\uc218\ub839 \ud655\uc778&#8217;\uc785\ub2c8\ub2e4. \uace0\uac1d\ub2d8\uaed8\uc11c \uc774\uba54\uc77c\ub85c CD\ub97c \ubc1b\uc740 \uc2dc\uc810\uc774 \uc544\ub2c8\ub77c, \uc804\uc790 \uc11c\uba85(E-Sign)\uc744 \uc644\ub8cc\ud55c \uc2dc\uc810\ubd80\ud130 3\uc77c\uc774 \uacc4\uc0b0\ub429\ub2c8\ub2e4.<br>\n<li> ex) \uc6d4\uc694\uc77c CD\uc5d0 \uc11c\uba85 \u2192 \ud654, \uc218, \ubaa9(3\uc77c \ub300\uae30) \u2192 \uae08\uc694\uc77c\uc5d0 \ud074\ub85c\uc9d5(\ucd5c\uc885 \uc11c\uba85) \uac00\ub2a5<br>\n<li> ex) \uc218\uc694\uc77c CD\uc5d0 \uc11c\uba85 \u2192 \ubaa9, \uae08, \ud1a0(3\uc77c \ub300\uae30) \u2192 \ub2e4\uc74c \uc8fc \uc6d4\uc694\uc77c \uc774\ud6c4\ub85c \ud074\ub85c\uc9d5 \uc5f0\uae30<br>\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. 3\uc77c\uc774 \ub9ac\uc14b\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\ub098\uc694?<\/strong><br><br>\n\ub9cc\uc57d \ub300\uae30 \uae30\uac04 \uc911\uc5d0 \ub2e4\uc74c\uacfc \uac19\uc740 \uc911\ub300\ud55c \ubcc0\uacbd\uc774 \ubc1c\uc0dd\ud558\uba74, CD\ub97c \ub2e4\uc2dc \ubc1c\ud589\ud574\uc57c \ud558\uace0 3\uc77c \ub300\uae30 \uae30\uac04\ub3c4 \ucc98\uc74c\ubd80\ud130 \ub2e4\uc2dc \uc2dc\uc791\ub429\ub2c8\ub2e4.<br>\n1. APR(\uc5f0\uac04 \uc774\uc790\uc728) \ubcc0\uacbd: \uace0\uc815 \uae08\ub9ac \ubaa8\uae30\uc9c0 \uae30\uc900 0.125% \uc774\uc0c1 \ubcc0\ub3d9 \uc2dc.<br>\n2. \ub300\ucd9c \uc0c1\ud488 \ubcc0\uacbd: \uc608) \uace0\uc815 \uae08\ub9ac\uc5d0\uc11c \ubcc0\ub3d9 \uae08\ub9ac\ub85c \ubcc0\uacbd \uc2dc.<br>\n3. \uc120\ubd88 \ubc8c\uae08(Prepayment Penalty) \ucd94\uac00: \ub300\ucd9c \uc870\uae30 \uc0c1\ud658 \uc2dc \ubc8c\uae08\uc774 \uc0dd\uae30\ub294 \uc870\ud56d\uc774 \ucd94\uac00\ub420 \ub54c.<br>\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 CD \uc218\ub839 \uc54c\ub9bc\uc774 \uc624\uba74 \ub0b4\uc6a9\uc744 \ube60\ub974\uac8c \ud6d1\uc5b4\ubcf4\uace0 \uc989\uc2dc(24\uc2dc\uac04 \ub0b4) \uc218\ub839 \uc11c\uba85\uc744 \ud574 \uc8fc\uc138\uc694. \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-\ud22c\uba85\ud55c-\ud504\ub85c\uc138\uc2a4\ub97c-\uacbd\ud5d8\ud574-\ubcf4\uc138\uc694\"><strong>\ud22c\uba85\ud55c \ud504\ub85c\uc138\uc2a4\ub97c \uacbd\ud5d8\ud574 \ubcf4\uc138\uc694<\/strong><\/h2>\n\n\n\n<p>\ubaa8\uae30\uc9c0 \ud504\ub85c\uc138\uc2a4\ub294 &#8216;\uc22b\uc790&#8217;\ub85c \uc2dc\uc791\ud574\uc11c &#8216;\uc22b\uc790&#8217;\ub85c \ub05d\ub0a9\ub2c8\ub2e4. \ucd08\uae30\uc5d0 \uc0c1\ub2f4\ubc1b\uc558\ub358 \uce5c\uc808\ud55c \uc124\uba85\ubcf4\ub2e4 \uc911\uc694\ud55c \uac83\uc740, \uacb0\uad6d <strong>\ub0b4 \ub3c4\uc7a5\uc774 \ucc0d\ud788\ub294 \uc885\uc774 \uc704\uc5d0 \uc801\ud78c \uc22b\uc790<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubc14\uc774\uc5b4 \ud63c\uc790\uc11c \ucd08\uae30 \uacac\uc801(LE)\uacfc \ucd5c\uc885 \uba85\uc138\uc11c(CD)\ub97c \ub300\uc870\ud558\uba70, 0.1%\uc758 \uc624\ucc28\ub098 \uc228\uc740 \ube44\uc6a9\uc744 \ucc3e\uc544\ub0b4\uae30\ub294 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc6a9\uc5b4\ub3c4 \uc5b4\ub835\uace0, \uacc4\uc0b0\ubc95\ub3c4 \ubcf5\uc7a1\ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong><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.6\" target=\"_blank\" rel=\"noreferrer noopener\">Loaning.ai<\/a><\/strong>\ub294 \uace0\uac1d\ub2d8\uc758 \ub4e0\ub4e0\ud55c \uac10\uc0ac\ud300(Audit Team)\uc774 \ub418\uc5b4 \ub4dc\ub9bd\ub2c8\ub2e4. \ud22c\uba85\ud558\uc9c0 \uc54a\uc740 \ube44\uc6a9\uc740 \uc5c6\uc2b5\ub2c8\ub2e4. \ub2e8\uc9c0 \uc124\uba85\ud574 \uc8fc\uc9c0 \uc54a\ub294 \ub80c\ub354\uac00 \uc788\uc744 \ubfd0\uc785\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=loan_process_ep.6\" target=\"_blank\" rel=\"noreferrer noopener\">Loaning.ai<\/a>\uc640 \ud568\uaed8, \uac1c\uc6b4\ud55c \ub9c8\uc74c\uc73c\ub85c \ud074\ub85c\uc9d5\uc744 \ub9de\uc774\ud558\uc138\uc694<\/p>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\uc694\uc57d-\uccb4\ud06c\ub9ac\uc2a4\ud2b8\" style=\"font-size:20px\"><strong>\ud83d\udcdd \uc694\uc57d : \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/strong><\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"845\" height=\"480\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step6.png\" alt=\"\" class=\"wp-image-12910\" style=\"width:845px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step6.png 845w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step6-300x170.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step6-768x436.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step6-750x426.png 750w\" sizes=\"auto, (max-width: 845px) 100vw, 845px\" \/><figcaption class=\"wp-element-caption\">\ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure; CD)<\/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. Loan Terms (\ub300\ucd9c \uc870\uac74)<\/strong><\/td><td>\ub300\ucd9c \uae08\uc561(Loan Amount)\uacfc \uc774\uc790\uc728(Interest Rate)\uc774 \ub0b4\uac00 \ub77d\uc778(Lock-in)\ud55c \uac83\uacfc \uc77c\uce58\ud558\ub098\uc694?<\/td><\/tr><tr><td>2. <strong>Monthly Payment (\uc6d4 \uc0c1\ud658\uc561)<\/strong><\/td><td>\uc6d0\uae08+\uc774\uc790\ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc7ac\uc0b0\uc138\uc640 \ubcf4\ud5d8\ub8cc\uac00 \ud3ec\ud568\ub41c \uc5d0\uc2a4\ud06c\ub85c \uae08\uc561\uc774 \uc801\uc808\ud55c\uac00\uc694?<\/td><\/tr><tr><td>3. <strong>Cash to Close (\ucd5c\uc885 \ud544\uc694 \ud604\uae08)<\/strong><\/td><td>\ub0b4\uac00 \ud074\ub85c\uc9d5 \ub0a0 \uc740\ud589\uc5d0 \ub4e4\uace0 \uac00\uc57c \ud560 \ub3c8(\uc1a1\uae08\uc561)\uc774 \uc815\ud655\ud788 \uc5bc\ub9c8\uc778\uac00\uc694? (\uac00\uc7a5 \uc911\uc694\ud55c \uc22b\uc790\uc785\ub2c8\ub2e4.)<\/td><\/tr><tr><td>4. <strong>Closing Costs (\ud074\ub85c\uc9d5 \ube44\uc6a9)<\/strong><\/td><td>\ub80c\ub354 \ube44\uc6a9(Section A)\uacfc \uc11c\ube44\uc2a4 \ube44\uc6a9(Section B, C) \uc911 \ubd80\ub2f9\ud558\uac8c \ub298\uc5b4\ub09c \ud56d\ubaa9\uc740 \uc5c6\ub098\uc694?<\/td><\/tr><tr><td>5. <strong>Names (\uc774\ub984 \ucca0\uc790)<\/strong><\/td><td>\uace0\uac1d\ub2d8\uacfc \ubc30\uc6b0\uc790\uc758 \uc601\ubb38 \uc774\ub984 \ucca0\uc790\uac00 \uc5ec\uad8c\/\uc2e0\ubd84\uc99d\uacfc \ud1a0\uc528 \ud558\ub098 \ud2c0\ub9ac\uc9c0 \uc54a\uace0 \ub611\uac19\uc740\uac00\uc694? (\ucca0\uc790\uac00 \ud2c0\ub9ac\uba74 \ub4f1\uae30\uc18c\uc5d0\uc11c \uac70\uc808\ub418\uc5b4 \uc7ac\ubc1c\ud589\ud574\uc57c \ud569\ub2c8\ub2e4.)<\/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.6\" style=\"background-color:#49cf7e\"><strong><strong>\ud83d\udc49&nbsp;LE vs CD \ucc28\uc561 \uc790\ub3d9 \ubd84\uc11d \ub9ac\ud3ec\ud2b8 \ubc1b\uc544\ubcf4\uae30<\/strong><\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd \ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure; CD) 3\uc904 \uc694\uc57d \ube44\uc6a9 \ube44\uad50: \ucd08\uae30 \uacac\uc801(LE)\uacfc \ucd5c\uc885 \uba85\uc138\uc11c(CD)\ub97c \ub300\uc870\ud558\uc5ec, \ub80c\ub354 \uc218\uc218\ub8cc \ub4f1 \ubd80\ub2f9\ud558\uac8c \ub298\uc5b4\ub09c &#8216;\uc228\uc740 \ube44\uc6a9&#8217;\uc774 \uc5c6\ub294\uc9c0 \ubc18\ub4dc\uc2dc \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4 . 3\uc77c \ub300\uae30: CD \uc11c\uba85 \ud6c4\uc5d0\ub294 \ubc14\uc774\uc5b4\uac00 \ucd5c\uc885 \uc870\uac74\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\ub3c4\ub85d \ubc95\uc801\uc73c\ub85c \uac15\uc81c\ub41c &#8216;3\uc77c\uc758 \ucfe8\ub9c1\uc624\ud504(Cooling-off)&#8217; \uae30\uac04\uc744 \uac70\uccd0\uc57c \ud569\ub2c8\ub2e4. \uc774\uba54\uc77c\ub85c CD\ub97c \ubc1b\ub294 \uc989\uc2dc &#8216;\uc218\ub839 \uc11c\uba85&#8217;\uc744 \uc644\ub8cc\ud574\uc57c 3\uc77c \uce74\uc6b4\ud2b8\ub2e4\uc6b4\uc774 \uc2dc\uc791\ub418\uba70, \ub2a6\uc5b4\uc9c8 [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":12997,"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-12903","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>\ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure; CD)\uc640 LE \uc22b\uc790\uac00 \ub2e4\ub97c \ub54c \uccb4\ud06c\ud574\uc57c \ud560 \uac83_[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.6]<\/title>\n<meta name=\"description\" content=\"\ud074\ub85c\uc9d5 \ub514\uc2a4\ud074\ub85c\uc800(Closing Disclosure), &quot;\ucc98\uc74c \uacac\uc801\uacfc \uc65c \uc22b\uc790\uac00 \ub2e4\ub974\uc8e0?&quot; 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