{"id":13074,"date":"2025-12-18T11:29:51","date_gmt":"2025-12-18T02:29:51","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=13074"},"modified":"2025-12-18T11:54:27","modified_gmt":"2025-12-18T02:54:27","slug":"2026-pre-approval-%ec%99%84%eb%b2%bd-%ea%b0%80%ec%9d%b4%eb%93%9c-%eb%aa%a8%ea%b8%b0%ec%a7%80-%ed%94%84%eb%a1%9c%ec%84%b8%ec%8a%a4-1%eb%8b%a8%ea%b3%84loan-setup%ec%97%90%ec%84%9c-%ec%9e%91","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/13074\/","title":{"rendered":"[2026 Pre-approval \uc644\ubcbd \uac00\uc774\ub4dc] \ubaa8\uae30\uc9c0 \ud504\ub85c\uc138\uc2a4 &#8216;1\ub2e8\uacc4(Loan Setup)&#8217;\uc5d0\uc11c \uc791\uc131\ud558\ub294 \uc11c\ub958 6\uac00\uc9c0 \ucd1d\uc815\ub9ac"},"content":{"rendered":"\n<p>\ub9ce\uc740 \ubd84\ub4e4\uc774 &#8216;2026 Pre-approval(\uc0ac\uc804 \uc2b9\uc778)&#8217;\uc744 \ubc1b\uac70\ub098 \uc815\uc2dd \ub860\uc744 \uc2dc\uc791\ud560 \ub54c, \uc3df\uc544\uc9c0\ub294 \uc601\uc5b4 \uc11c\ub958\ub4e4\uc5d0 \ub2f9\ud669\ud558\uace4 \ud569\ub2c8\ub2e4. \uc11c\uba85\ud558\ub77c\ub294 \uc774\uba54\uc77c\uc740 \uc654\ub294\ub370, \ub3c4\ub300\uccb4 \uc774\uac8c \ubb34\uc2a8 \uc11c\ub958\uc778\uc9c0, \uc65c \ub0b4 \uc2e0\uc6a9\uce74\ub4dc \uc815\ubcf4\uac00 \ud544\uc694\ud55c\uc9c0 \ubd88\uc548\ud574 \ud558\uc2dc\uc8e0.<\/p>\n\n\n\n<p>\uadf8\ub798\uc11c <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=mortgage_information&amp;utm_content=2026_loan_process_step_1\">Loaning.ai<\/a>\uac00 \ubaa8\uae30\uc9c0 \uc2e0\uccad\uc758 <strong>\uac00\uc7a5 \uccab \ubc88\uc9f8 \uad00\ubb38\uc778 &#8216;1\ub2e8\uacc4&#8217;\uc5d0\uc11c \ubc18\ub4dc\uc2dc \uc791\uc131\ud574\uc57c \ud558\ub294 6\uac00\uc9c0 \ud575\uc2ec \uc11c\ub958<\/strong>\ub97c \ub0b1\ub0b1\uc774 \ubd84\uc11d\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \ud83d\udd25<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"389\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/shutterstock_158522279-1024x389.jpg\" alt=\"\" class=\"wp-image-13078\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/shutterstock_158522279-1024x389.jpg 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/shutterstock_158522279-300x114.jpg 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/shutterstock_158522279-768x292.jpg 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/shutterstock_158522279-1536x584.jpg 1536w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/shutterstock_158522279-2048x778.jpg 2048w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/shutterstock_158522279-750x285.jpg 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/shutterstock_158522279-1140x433.jpg 1140w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\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-\uc9c0\uae08-loan-setup\uc744-\uc900\ube44\ud574\uc57c-\ud558\ub294-\uc774\uc720-2026-pre-approval\" style=\"font-size:24px\"><strong>\uc9c0\uae08 Loan Setup\uc744 \uc900\ube44\ud574\uc57c \ud558\ub294 \uc774\uc720_2026 Pre-approval<\/strong><\/h2>\n\n\n\n<p>Loan Setup\uc740 \uc9d1\uc744 \uc9d3\uae30 \uc804\uc5d0 \uc124\uacc4\ub3c4\ub97c \ud655\uc815\ud558\uace0 \uac74\ucd95 \ud5c8\uac00\ub97c \ubc1b\ub294 \uacfc\uc815\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc2dc\uc2a4\ud15c\uc5d0 \uace0\uac1d\ubd84\ub4e4\uc758 \ub300\ucd9c \uad6c\uc870(Loan Structure)\ub97c \ub4f1\ub85d\ud558\uace0, \ubc95\uc801\uc73c\ub85c \ud544\uc218\uc801\uc778 \ube44\uc6a9 \uacac\uc801\uc11c\ub97c \ubc1c\uc1a1\ud558\uc5ec &#8220;\uc815\ub9d0\ub85c \uc774 \uc870\uac74\uc73c\ub85c \uc9c4\ud589\ud558\uc2dc\uaca0\uc2b5\ub2c8\uae4c?&#8221;\ub77c\uace0 \uacf5\uc2dd\uc801\uc73c\ub85c \ubb3b\ub294 \ub2e8\uacc4\uc8e0.<\/p>\n\n\n\n<p>\uc5ec\uae30\uc11c \uace0\uac1d\uc758 &#8216;\ub3d9\uc758(Consent)&#8217;\uac00 \uc788\uc5b4\uc57c\ub9cc \ub2e4\uc74c \ub2e8\uacc4\uc778 \uc11c\ub958 \uc2ec\uc0ac\ub098 \uac10\uc815 \ud3c9\uac00\ub85c \ub118\uc5b4\uac08 \uc218 \uc788\uc5b4\uc694. \uc774 \ub2e8\uacc4\ub294 \ub0b4 \uad8c\ub9ac\ub97c \ubcf4\ud638\ubc1b\ub294 \uac00\uc7a5 \uc911\uc694\ud55c \uc808\ucc28\ub77c\uace0\ub3c4 \ud560 \uc218 \uc788\uc2b5\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\ud83d\udce2 [\uccb4\ud06c \ud3ec\uc778\ud2b8] \ub098\uc758 \uad6c\ub9e4\ub825\uc740 \uc5bc\ub9c8\uc77c\uae4c? 2026\ub144 \ubcc0\uacbd\ub418\ub294 \ub300\ucd9c \ud55c\ub3c4\ub97c \ubc18\uc601\ud558\uc5ec, \uc9c0\uae08 \ubc14\ub85c \ub098\uc758 \uc608\uc0c1 \uc735\uc790 \uac00\ub2a5 \uae08\uc561\uc744 \ud655\uc778\ud574 \ubcf4\uc138\uc694.<br>\n\n<\/div>\n\n\n\n<div style=\"text-align:center; margin:24px 0;\">\n  <a href=\"https:\/\/loaning.ai\/loan-limits?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=mortgage_information&#038;utm_content=2026_loan_process_step_1\"\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 2026 Conforming Loan \ud55c\ub3c4 \uc870\ud68c\ud558\uae30\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-1\ub2e8\uacc4-\ud544\uc218-\uc11c\ub958-6\uac00\uc9c0-2026-pre-approval\" style=\"font-size:24px\"><strong>1\ub2e8\uacc4 \ud544\uc218 \uc11c\ub958 6\uac00\uc9c0_2026 Pre-approval<\/strong><\/h2>\n\n\n\n<p>\ub2e8\uacc4\uc5d0\uc11c \uace0\uac1d\ub2d8\uc740 \ucd1d <strong>6\uac00\uc9c0 \ud56d\ubaa9<\/strong>\uc5d0 \ub300\ud574 \ud655\uc778 \ubc0f \uc11c\uba85\uc744 \uc9c4\ud589\ud558\uac8c \ub429\ub2c8\ub2e4. \ub300\ubd80\ubd84 \uc804\uc790 \uc11c\uba85(DocuSign)\uc73c\ub85c \uc9c4\ud589\ub418\ubbc0\ub85c \uac04\ud3b8\ud558\uc9c0\ub9cc, \ub0b4\uc6a9\uc740 \uacb0\ucf54 \uac00\ubccd\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ud558\ub098\uc529 \uc0b4\ud3b4\ubcfc\uae4c\uc694?<\/p>\n\n\n\n<style>\n    \/* \uc804\uccb4 \ucee8\ud14c\uc774\ub108 \ubc0f \uc88c\uce21 \uc815\ub82c \uc124\uc815 *\/\n    .loan-info-container {\n        font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, system-ui, Roboto, sans-serif;\n        line-height: 1.6;\n        color: #333;\n        max-width: 900px;\n        margin: 0 auto;\n        text-align: left; \/* \uc804\uccb4 \uc88c\uce21 \uc815\ub82c *\/\n    }\n\n    \/* \ud56d\ubaa9\ubcc4 \uc81c\ubaa9 \uc601\uc5ed *\/\n    .loan-header {\n        display: flex;\n        align-items: center;\n        gap: 8px;\n        margin-top: 30px;\n        margin-bottom: 12px;\n    }\n\n    .loan-title {\n        font-size: 1.1rem;\n        font-weight: 700;\n        margin: 0;\n    }\n\n    \/* \ud68c\uc0c9 \ubc15\uc2a4 \uc601\uc5ed (#F7F7F7) *\/\n    .loan-gray-box {\n        background-color: #F7F7F7; \/* \uc694\uccad\ud558\uc2e0 \uc0c9\uc0c1 \uc801\uc6a9 *\/\n        border-radius: 12px;\n        padding: 20px 25px;\n        margin-bottom: 15px;\n    }\n\n    \/* \ubc15\uc2a4 \ub0b4\ubd80 \ub9ac\uc2a4\ud2b8 \uc2a4\ud0c0\uc77c *\/\n    .loan-gray-box ul {\n        list-style: none;\n        padding: 0;\n        margin: 0;\n    }\n\n    .loan-gray-box li {\n        margin-bottom: 8px;\n        position: relative;\n        padding-left: 18px;\n        text-align: left;\n    }\n\n    \/* \ubd88\ub81b \ud3ec\uc778\ud2b8 \uc544\uc774\ucf58 (\u2713) *\/\n    .loan-gray-box li::before {\n        content: \"\u2713\";\n        position: absolute;\n        left: 0;\n        color: #666;\n        font-weight: bold;\n    }\n\n    .loan-gray-box li:last-child {\n        margin-bottom: 0;\n    }\n\n    \/* \ud14d\uc2a4\ud2b8 \uac15\uc870 *\/\n    .highlight-bold {\n        font-weight: 700;\n    }\n\n    .star-rank {\n        letter-spacing: 1px;\n    }\n<\/style>\n\n<div class=\"loan-info-container\">\n    <div class=\"loan-header\">\n        <span>\u2460<\/span>\n        <h3 class=\"loan-title\">Uniform Residential Loan App (URLA, \ub300\ucd9c \uc2e0\uccad\uc11c)<\/h3>\n    <\/div>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">\ub0b4\uc6a9:<\/span> \ub300\ucd9c \uc2e0\uccad\uc790\uc758 \uc774\ub984, \uc18c\uc15c \uc2dc\ud050\ub9ac\ud2f0 \ubc88\ud638(SSN), \uc18c\ub4dd, \uc790\uc0b0, \ud604\uc7ac \uc0b4\uace0 \uc788\ub294 \uc9d1 \uc8fc\uc18c \ub4f1 \uae30\ubcf8 \uc815\ubcf4\uac00 \ub2f4\uaca8 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n            <li><span class=\"highlight-bold\">\uccb4\ud06c \ud3ec\uc778\ud2b8:<\/span> \ub860 \uc624\ud53c\uc11c\uc640 \uc0c1\ub2f4\ud55c \ub0b4\uc6a9\uc774 \uc815\ud655\ud788 \uae30\uc785\ub418\uc5c8\ub294\uc9c0 \ud655\uc778\ud558\uc138\uc694. \uc601\ubb38 \uc774\ub984 \ucca0\uc790 \ud558\ub098\ub9cc \ud2c0\ub824\ub3c4 \ub098\uc911\uc5d0 \uc218\uc815\ud558\uae30 \ubc88\uac70\ub86d\uc2b5\ub2c8\ub2e4.<\/li>\n        <\/ul>\n    <\/div>\n\n    <div class=\"loan-header\">\n        <span>\u2461<\/span>\n        <h3 class=\"loan-title\">Borrower Authorization &#038; Certification (\uace0\uac1d \ub3d9\uc758\uc11c)<\/h3>\n    <\/div>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">\ud575\uc2ec:<\/span> &#8220;\ub0b4\uac00 \uc81c\ucd9c\ud55c \uc815\ubcf4\ub294 \ubaa8\ub450 \uc0ac\uc2e4\uc774\uba70, \ub80c\ub354\uac00 \ub0b4 \uace0\uc6a9\uc8fc\uc5d0\uac8c \uc804\ud654\ud574 \uc7ac\uc9c1 \uc5ec\ubd80\ub97c \ubb3b\uac70\ub098, \uad6d\uc138\uccad(IRS)\uc5d0 \uc18c\ub4dd \uc99d\uba85\uc744 \uc694\uccad\ud574\ub3c4 \uc88b\ub2e4&#8221;\ub294 \ub0b4\uc6a9\uc5d0 \ub3d9\uc758\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/li>\n            <li><span class=\"highlight-bold\">\uc9c4\ud589 \ubc29\uc2dd:<\/span> \uc774 \ub2e8\uacc4\uc5d0\uc11c <strong>DocuSign(\uc804\uc790 \uc11c\uba85)<\/strong>\uc774 \uc8fc\ub85c \uc9c4\ud589\ub429\ub2c8\ub2e4. \ube60\ub974\uace0 \uc548\uc804\ud558\uac8c \ubc95\uc801 \ud6a8\ub825\uc744 \uac16\uac8c \ub429\ub2c8\ub2e4.<\/li>\n        <\/ul>\n    <\/div>\n\n    <div class=\"loan-header\">\n        <span>\u2462<\/span>\n        <h3 class=\"loan-title\">Initial Loan Estimate (LE, \ucd08\uae30 \uc735\uc790 \uacac\uc801\uc11c) <span class=\"star-rank\">\u2605\u2605\u2605<\/span><\/h3>\n    <\/div>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">\ubb34\uc5c7\uc778\uac00\uc694?:<\/span> 2008\ub144 \uae08\uc735 \uc704\uae30 \uc774\ud6c4, \uc18c\ube44\uc790\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \uc815\ubd80\uac00 \ub9cc\ub4e0 \ud45c\uc900 \uc591\uc2dd\uc785\ub2c8\ub2e4. &#8220;\uc774\uc790\uc728\uc740 \uc5bc\ub9c8\uace0, \uc6d4 \ud398\uc774\uba3c\ud2b8\ub294 \uc5bc\ub9c8\uc774\uba70, \ud074\ub85c\uc9d5 \ube44\uc6a9(Closing Cost)\uc740 \ucd1d \uc5bc\ub9c8\uac00 \ub4e0\ub2e4&#8221;\ub294 \ub0b4\uc6a9\uc744 \uc228\uae40\uc5c6\uc774 \ubcf4\uc5ec\uc918\uc57c \ud569\ub2c8\ub2e4.<\/li>\n            <li><span class=\"highlight-bold\">\uc65c \uc911\uc694\ud55c\uac00\uc694?:<\/span> \uc774 \uc11c\ub958\ub97c \ubc1b\uc544\uc57c\ub9cc \ub2e4\ub978 \ub80c\ub354\uc640 \ube44\uc6a9\uc744 \uac1d\uad00\uc801\uc73c\ub85c \ube44\uad50(Shop around)\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. 2026 Pre-approval \uacfc\uc815\uc5d0\uc11c\ub3c4 \ub300\ub7b5\uc801\uc778 \ube44\uc6a9\uc744 \uac00\ub2a0\ud558\ub294 \uae30\uc900\uc774 \ub429\ub2c8\ub2e4.<\/li>\n        <\/ul>\n    <\/div>\n\n    <div class=\"loan-header\">\n        <span>\u2463<\/span>\n        <h3 class=\"loan-title\">Intent to Proceed (\uc9c4\ud589 \uc758\uc0ac \ud45c\uc2dc)<\/h3>\n    <\/div>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">\uc758\ubbf8:<\/span> LE(\uacac\uc801\uc11c)\ub97c \ubc1b\uc544\ubcf4\uace0 \uc870\uac74\uc744 \ud655\uc778\ud588\uc73c\ub2c8, <strong>&#8220;\ub124, \uc774 \ube44\uc6a9\uacfc \uc870\uac74\uc73c\ub85c \ub300\ucd9c \uc9c4\ud589(Proceed)\uc744 \uc2dc\uc791\ud558\uaca0\uc2b5\ub2c8\ub2e4&#8221;<\/strong>\ub77c\uace0 \uace0\uac1d\uc774 \ub80c\ub354\uc5d0\uac8c \uacf5\uc2dd \uc120\uc5b8\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/li>\n            <li><span class=\"highlight-bold\">\uc8fc\uc758:<\/span> \uc774 \ub2e8\uacc4\uc5d0\uc11c \uace0\uac1d\uc774 \uac00\uc785(Sign)\uc744 \uc644\ub8cc\ud574\uc57c\ub9cc, \ub80c\ub354\ub294 \ube44\ub85c\uc18c \uac10\uc815 \ud3c9\uac00\ub97c \uc8fc\ubb38\ud558\uac70\ub098 \uc2ec\uc0ac \ube44\uc6a9\uc744 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc989, \uc774\uac83\uc744 \uc11c\uba85\ud558\uc9c0 \uc54a\uc73c\uba74 \uc544\ubb34 \uc77c\ub3c4 \uc77c\uc5b4\ub098\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/li>\n        <\/ul>\n    <\/div>\n\n    <div class=\"loan-header\">\n        <span>\u2464<\/span>\n        <h3 class=\"loan-title\">Credit Card Authorization Form (\uc2e0\uc6a9\uce74\ub4dc \uc2b9\uc778\uc11c)<\/h3>\n    <\/div>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">\uc6a9\ub3c4:<\/span> \ub300\ucd9c \uc9c4\ud589 \uc911\uc5d0 \ubc1c\uc0dd\ud558\ub294 <strong>\uc2e4\ube44(Third-party Fee)<\/strong>\ub97c \uacb0\uc81c\ud558\uae30 \uc704\ud568\uc785\ub2c8\ub2e4.\n                <br>1. \uc2e0\uc6a9 \uc870\ud68c(Credit Report): \uc2e0\uc6a9 \ud3c9\uac00 \uae30\uad00\uc5d0 \uc9c0\ubd88\ud558\ub294 \ube44\uc6a9\n                <br>2. \uac10\uc815 \ud3c9\uac00\ube44(Appraisal Fee): \uc9d1\uc758 \uac00\uce58\ub97c \ud3c9\uac00\ud558\ub294 \uc678\ubd80 \uac10\uc815\uc0ac\uc5d0\uac8c \uc9c0\ubd88\ud558\ub294 \ube44\uc6a9<\/li>\n            <li><span class=\"highlight-bold\">\uc548\uc2ec\ud558\uc138\uc694:<\/span> \uc774 \ube44\uc6a9\uc740 \ub80c\ub354\uac00 \uac00\uc838\uac00\ub294 \uc218\uc218\ub8cc\uac00 \uc544\ub2c8\uba70, \uc0ac\uc804\uc5d0 \uace0\uc9c0\ub41c \uae08\uc561\ub9cc\ud07c\ub9cc \uacb0\uc81c\ub429\ub2c8\ub2e4.<\/li>\n        <\/ul>\n    <\/div>\n\n    <div class=\"loan-header\">\n        <span>\u2465<\/span>\n        <h3 class=\"loan-title\">\ubd80\ub3d9\uc0b0 \uacc4\uc57d\uc11c (Purchase Contract)<\/h3>\n    <\/div>\n    <p style=\"margin-bottom: 10px; font-size: 0.95rem;\">\uc774\ubbf8 \ub9c8\uc74c\uc5d0 \ub4dc\ub294 \uc9d1\uc744 \ucc3e\uc544 \uc624\ud37c\uac00 \uc218\ub77d\ub41c \uacbd\uc6b0\ub77c\uba74, Purchase Agreement(\ub9e4\ub9e4 \uacc4\uc57d\uc11c) \uc0ac\ubcf8\uc744 \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">\uc5ed\ud560:<\/span> \uc815\ud655\ud55c \uc9d1 \uc8fc\uc18c, \ub9e4\ub9e4 \uac00\uaca9, \uc5d0\uc2a4\ud06c\ub85c \uae30\uac04, \uc140\ub7ec \uc815\ubcf4 \ub4f1\uc744 \uc2dc\uc2a4\ud15c\uc5d0 \uc785\ub825\ud558\uae30 \uc704\ud574 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/li>\n        <\/ul>\n    <\/div>\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-2026-pre-approval-\uc18d\ub3c4-\uac00-\uc0dd\uba85\uc785\ub2c8\ub2e4\" style=\"font-size:24px\"><strong>2026 Pre-approval, &#8216;\uc18d\ub3c4&#8217;\uac00 \uc0dd\uba85\uc785\ub2c8\ub2e4<\/strong><\/h2>\n\n\n\n<p>\ub0b4\ub144 \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc740 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 &#8216;\uc18d\ub3c4\uc804&#8217;\uc774 \ub420 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \ubc14\uc774\uc5b4\ub4e4\uc774 \uc774\uc790\uc728\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud558\uae30 \uc704\ud574 1\ub2e8\uacc4 \uc11c\uba85\uc744 \ubbf8\ub8e8\uace4 \ud558\uc9c0\ub9cc, LE(\uacac\uc801\uc11c)\ub97c \ubc1b\uace0 Intent to Proceed\uc5d0 \uc11c\uba85\ud558\ub294 \uac83\uc774 &#8216;\uc9c4\uc9dc \uacc4\uc57d&#8217;\uc758 \uc2dc\uc791\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 6\uac00\uc9c0 \uc11c\ub958 \uc791\uc5c5\uc774 \ub2a6\uc5b4\uc9c0\uba74, \uac10\uc815 \ud3c9\uac00(Appraisal) \uc8fc\ubb38\ub3c4 \ub2a6\uc5b4\uc9c0\uace0, \uacb0\uad6d \ud074\ub85c\uc9d5 \ub0a0\uc9dc\ub97c \ub9de\ucd94\uc9c0 \ubabb\ud574 \uc560\uc368 \uc7a1\uc740 \uc9d1\uc744 \ub193\uce60 \uc218\ub3c4 \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    <strong>\u2705 \ub85c\ub2dd(Loaning)\uc758 1\ub2e8\uacc4\ub294 \ub2e4\ub985\ub2c8\ub2e4<\/strong>\n    <br>\n    \u2713 \ud22c\uba85\ud55c \uc124\uba85: &#8220;\uadf8\ub0e5 \uc0ac\uc778\ud558\uc138\uc694&#8221;\ub77c\uace0 \ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. LE(\uacac\uc801\uc11c)\uc758 \ud56d\ubaa9 \ud558\ub098\ud558\ub098\ub97c \ud55c\uad6d\uc5b4\ub85c \uce5c\uc808\ud558\uac8c \uc124\uba85\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<br>\n    \u2713 100% \ub514\uc9c0\ud138 \ud504\ub85c\uc138\uc2a4: \ubcf5\uc7a1\ud55c \uc885\uc774 \uc11c\ub958 \uc5c6\uc774, \uc774\uba54\uc77c\uacfc \uc2a4\ub9c8\ud2b8\ud3f0\uc73c\ub85c \ubaa8\ub4e0 \uc11c\uba85(DocuSign)\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<br>\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-2026\ub144\ud615-\ub9de\ucda4\ud615-pre-approval-\uc2e0\uccad\ud558\uae30\" style=\"font-size:24px\"><strong>2026\ub144\ud615 \ub9de\ucda4\ud615 Pre-approval \uc2e0\uccad\ud558\uae30<\/strong><\/h2>\n\n\n\n<p>\uc2e0\uc6a9 \uc810\uc218 \ud558\ub77d \uc5c6\ub294(Soft Pull) \uac00\uc870\ud68c\ub85c, \ub0b4\uac00 \ubc1b\uc744 \uc218 \uc788\ub294 \ucd5c\uc801\uc758 \uae08\ub9ac\uc640 \ub300\ucd9c \ud55c\ub3c4\ub97c 1\ubd84 \ub9cc\uc5d0 \ud655\uc778\ud574 \ubcf4\uc138\uc694.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=mortgage_information&amp;utm_content=2026_loan_process_step_1\"><img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"735\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/image-12.png\" alt=\"\" class=\"wp-image-13081\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/image-12.png 1020w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/image-12-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/image-12-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/image-12-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/image-12-750x540.png 750w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/a><\/figure>\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=2026_loan_process_step_1\"\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 \ub85c\ub2dd \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ub0b4 \uae08\ub9ac \uc870\ud68c\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-loan-setup-\ud544\uc218-\uc11c\ub958-\ud55c\ub208\uc5d0-\ud655\uc778\ud558\uae30\" style=\"font-size:24px\"><strong>Loan Setup<\/strong> \ud544\uc218 \uc11c\ub958, \ud55c\ub208\uc5d0 \ud655\uc778\ud558\uae30<\/h2>\n\n\n\n<div style=\"overflow-x: auto; padding: 20px 0;\">\n    <style>\n        .custom-loan-table {\n            width: 100%;\n            border-collapse: separate;\n            border-spacing: 0;\n            border: 2px solid #a5d6a7;\n            border-radius: 15px;\n            overflow: hidden;\n            font-family: 'Pretendard', sans-serif;\n            font-size: 15px;\n            color: #333;\n        }\n\n        .custom-loan-table th {\n            background-color: #f9f9f9;\n            padding: 15px;\n            border-bottom: 1px solid #eee;\n            font-weight: 700;\n            text-align: center;\n        }\n\n        .custom-loan-table td {\n            padding: 18px 15px;\n            border-bottom: 1px solid #eee;\n            line-height: 1.6;\n            vertical-align: middle;\n        }\n\n        .custom-loan-table tr:last-child td {\n            border-bottom: none;\n        }\n\n        \/* \uac01 \uc5f4 \ub108\ube44 \uc124\uc815 *\/\n        .index-col { width: 5%; text-align: center; font-weight: bold; }\n        .title-col { width: 20%; font-weight: bold; color: #2e7d32; }\n        .content-col { width: 65%; }\n        .check-col { width: 10%; text-align: center; }\n\n        \/* \uccb4\ud06c\ubc15\uc2a4 \uc2a4\ud0c0\uc77c \ud06c\uae30 \uc870\uc815 *\/\n        .loan-checkbox {\n            width: 20px;\n            height: 20px;\n            cursor: pointer;\n            accent-color: #2e7d32; \/* \uccb4\ud06c \uc2dc \uc0c9\uc0c1 *\/\n        }\n\n        .star-rank { color: #fbc02d; font-weight: bold; }\n        .highlight { color: #d32f2f; font-weight: bold; }\n    <\/style>\n\n    <table class=\"custom-loan-table\">\n        <thead>\n            <tr>\n                <th class=\"index-col\">\uc21c\ubc88<\/th>\n                <th class=\"title-col\">\uc11c\ub958 \ubc0f \uc808\ucc28 \uba85\uce6d<\/th>\n                <th class=\"content-col\">\uc8fc\uc694 \ub0b4\uc6a9 \ubc0f \uccb4\ud06c\ud3ec\uc778\ud2b8<\/th>\n                <th class=\"check-col\">\uc644\ub8cc<\/th>\n            <\/tr>\n        <\/thead>\n        <tbody>\n            <tr>\n                <td class=\"index-col\">1<\/td>\n                <td class=\"title-col\">URLA (\ub300\ucd9c \uc2e0\uccad\uc11c)<\/td>\n                <td>\ubaa8\ub4e0 \ubaa8\uae30\uc9c0\uc758 \uae30\ubcf8\uc774 \ub418\ub294 &#8216;\ud45c\uc900 \ub300\ucd9c \uc2e0\uccad\uc11c&#8217;. \uc601\ubb38 \uc774\ub984 \ucca0\uc790 \ub4f1 \uae30\ubcf8 \uc815\ubcf4\ub97c \ud655\uc778\ud558\uc138\uc694.<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"index-col\">2<\/td>\n                <td class=\"title-col\">\uace0\uac1d \ub3d9\uc758\uc11c<\/td>\n                <td>\ub80c\ub354\uc758 \uc7ac\uc9c1\/\uc18c\ub4dd \ud655\uc778 \uad8c\ud55c \uc704\uc784 \uc11c\ub958. \uc8fc\ub85c <strong>DocuSign<\/strong>\uc73c\ub85c \uc9c4\ud589\ub429\ub2c8\ub2e4.<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"index-col\">3<\/td>\n                <td class=\"title-col\">\ucd08\uae30 \uc735\uc790 \uacac\uc801\uc11c (LE) <span class=\"star-rank\">\u2605\u2605\u2605<\/span><\/td>\n                <td>\uac00\uc7a5 \uc911\uc694\ud55c \uc11c\ub958. \uc774\uc790\uc728 \ubc0f \ud074\ub85c\uc9d5 \ube44\uc6a9\uc744 \uac1d\uad00\uc801\uc73c\ub85c \ube44\uad50\ud558\ub294 \uae30\uc900\uc774 \ub429\ub2c8\ub2e4.<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"index-col\">4<\/td>\n                <td class=\"title-col\">\uc9c4\ud589 \uc758\uc0ac \ud45c\uc2dc (Intent)<\/td>\n                <td>LE \ud655\uc778 \ud6c4 \ub300\ucd9c \uc9c4\ud589\uc744 \uacf5\uc2dd \uc120\uc5b8\ud558\ub294 \uc808\ucc28\uc785\ub2c8\ub2e4. \uc11c\uba85\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"index-col\">5<\/td>\n                <td class=\"title-col\">\uc2e0\uc6a9\uce74\ub4dc \uc2b9\uc778\uc11c<\/td>\n                <td>\uc2e0\uc6a9 \uc870\ud68c \ubc0f \uac10\uc815 \ud3c9\uac00\ube44 \ub4f1 <strong>\uc2e4\ube44 \uacb0\uc81c<\/strong>\ub97c \uc704\ud55c \uc2b9\uc778\uc11c\uc785\ub2c8\ub2e4.<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"index-col\">6<\/td>\n                <td class=\"title-col\">\ubd80\ub3d9\uc0b0 \uacc4\uc57d\uc11c<\/td>\n                <td>\ub9e4\ub9e4\uac00\uc640 \uc8fc\uc18c \ub4f1 \uc815\ud655\ud55c \uc815\ubcf4\ub97c \uc785\ub825\ud558\uae30 \uc704\ud55c \uc11c\ub958\uc785\ub2c8\ub2e4. (Pre-approval \ub2e8\uacc4 \uc2dc \uc0dd\ub7b5 \uac00\ub2a5)<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n        <\/tbody>\n    <\/table>\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=2026_loan_process_step_1\"\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 \ucc44\ud305\uc73c\ub85c \uac04\ud3b8\ud558\uac8c \uc9c8\ubb38\ud558\uae30\n  <\/a>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub9ce\uc740 \ubd84\ub4e4\uc774 &#8216;2026 Pre-approval(\uc0ac\uc804 \uc2b9\uc778)&#8217;\uc744 \ubc1b\uac70\ub098 \uc815\uc2dd \ub860\uc744 \uc2dc\uc791\ud560 \ub54c, \uc3df\uc544\uc9c0\ub294 \uc601\uc5b4 \uc11c\ub958\ub4e4\uc5d0 \ub2f9\ud669\ud558\uace4 \ud569\ub2c8\ub2e4. \uc11c\uba85\ud558\ub77c\ub294 \uc774\uba54\uc77c\uc740 \uc654\ub294\ub370, \ub3c4\ub300\uccb4 \uc774\uac8c \ubb34\uc2a8 \uc11c\ub958\uc778\uc9c0, \uc65c \ub0b4 \uc2e0\uc6a9\uce74\ub4dc \uc815\ubcf4\uac00 \ud544\uc694\ud55c\uc9c0 \ubd88\uc548\ud574 \ud558\uc2dc\uc8e0. \uadf8\ub798\uc11c Loaning.ai\uac00 \ubaa8\uae30\uc9c0 \uc2e0\uccad\uc758 \uac00\uc7a5 \uccab \ubc88\uc9f8 \uad00\ubb38\uc778 &#8216;1\ub2e8\uacc4&#8217;\uc5d0\uc11c \ubc18\ub4dc\uc2dc \uc791\uc131\ud574\uc57c \ud558\ub294 6\uac00\uc9c0 \ud575\uc2ec \uc11c\ub958\ub97c \ub0b1\ub0b1\uc774 \ubd84\uc11d\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \ud83d\udd25 \uc9c0\uae08 Loan Setup\uc744 \uc900\ube44\ud574\uc57c \ud558\ub294 \uc774\uc720_2026 Pre-approval [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":13099,"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-13074","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>[2026 Pre-approval \uc644\ubcbd \uac00\uc774\ub4dc] \ubaa8\uae30\uc9c0 \ud504\ub85c\uc138\uc2a4 &#039;1\ub2e8\uacc4(Loan Setup)&#039;\uc5d0\uc11c \uc791\uc131\ud558\ub294 \uc11c\ub958 6\uac00\uc9c0 \ucd1d\uc815\ub9ac<\/title>\n<meta name=\"description\" content=\"2026\ub144 Pre-approval, \ubbf8\uad6d \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uc704\ud55c \ud544\uc218 \uc808\ucc28\uc8e0. \uc2e0\uccad\ubd80\ud130 \ucd5c\uc885 \uc790\uae08 \uc9d1\ud589(Funding)\uae4c\uc9c0 \uc774\uc5b4\uc9c0\ub294 \ubaa8\uae30\uc9c0 6\ub2e8\uacc4 \ud504\ub85c\uc138\uc2a4\ub97c \uc644\ubcbd \ud574\ubd80\ud569\ub2c8\ub2e4. Loaning.ai\uc640 \ud568\uaed8 \ubcf5\uc7a1\ud55c \uc735\uc790 \uacfc\uc815\uc744 \ud22c\uba85\ud558\uac8c \ud655\uc778\ud558\uc138\uc694.\" \/>\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\/13074\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[2026 Pre-approval \uc644\ubcbd \uac00\uc774\ub4dc] \ubaa8\uae30\uc9c0 \ud504\ub85c\uc138\uc2a4 &#039;1\ub2e8\uacc4(Loan Setup)&#039;\uc5d0\uc11c \uc791\uc131\ud558\ub294 \uc11c\ub958 6\uac00\uc9c0 \ucd1d\uc815\ub9ac\" \/>\n<meta property=\"og:description\" content=\"2026\ub144 Pre-approval, \ubbf8\uad6d \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uc704\ud55c \ud544\uc218 \uc808\ucc28\uc8e0. \uc2e0\uccad\ubd80\ud130 \ucd5c\uc885 \uc790\uae08 \uc9d1\ud589(Funding)\uae4c\uc9c0 \uc774\uc5b4\uc9c0\ub294 \ubaa8\uae30\uc9c0 6\ub2e8\uacc4 \ud504\ub85c\uc138\uc2a4\ub97c \uc644\ubcbd \ud574\ubd80\ud569\ub2c8\ub2e4. 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