{"id":13399,"date":"2026-01-15T15:55:28","date_gmt":"2026-01-15T06:55:28","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=13399"},"modified":"2026-01-15T17:55:40","modified_gmt":"2026-01-15T08:55:40","slug":"us-mortgage-smart-guide-to-lender-credits","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/13399\/","title":{"rendered":"\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?"},"content":{"rendered":"\n

\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits\uc740 \ubbf8\uad6d\uc5d0\uc11c \uc9d1\uc744 \uad6c\ub9e4\ud560 \ub54c \uae08\ub9ac\ub97c \uc870\uae08 \ub192\uc774\ub294 \ub300\uc2e0 \ub300\ucd9c \uae30\uad00(Lender)\uc73c\ub85c\ubd80\ud130 \ubc1b\ub294 \ud604\uae08 \uc9c0\uc6d0(Credits)\uc774\uc5d0\uc694. \ubc14\uc774\uc5b4\uc758 \uc785\uc7a5\uc5d0\uc11c \ubcf4\ud1b5\uc740 ‘\uac00\uc7a5 \ub0ae\uc740 \uae08\ub9ac’\ub97c \uc120\ud0dd\ud558\uc9c0\ub9cc, \uc0c1\ud669\uc5d0 \ub530\ub77c\uc11c\ub294 \uc774 \ub80c\ub354 \ud06c\ub798\ub527\uc774 \uc218\ucc9c \ub2ec\ub7ec\uc758 \ubaa9\ub3c8\uc744 \uc544\uaef4\uc8fc\ub294 \ud604\uba85\ud55c \uacb0\uc815\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc624\ub298\uc740 \uc798 \ud65c\uc6a9\ud558\uba74 \ucd08\uae30 \ube44\uc6a9 \ubd80\ub2f4\uc744 \ud68d\uae30\uc801\uc73c\ub85c \uc904\uc774\uace0 \uc2e4\uc9c8\uc801\uc778 \uc774\ub4dd\uc744 \ubcfc \uc218 \uc788\ub294 \u2018\ub80c\ub354 \ud06c\ub798\ub527\u2019\uc758 \uac1c\ub150\uacfc \ud65c\uc6a9\ubc95\uc744 Loaning.ai<\/a>\uac00 \uc54c\uae30 \uc27d\uac8c \uc815\ub9ac\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

.<\/p>\n\n\n\n

\ub80c\ub354 \ud06c\ub798\ub527(Lender Credits) VS \ud3ec\uc778\ud2b8(Points)<\/strong><\/h2>\n\n\n\n

\ub80c\ub354 \ud06c\ub798\ub527\uacfc \ud3ec\uc778\ud2b8, \ud5f7\uac08\ub9ac\uae30 \uc26c\uc6b4 \ub450 \uc6a9\uc5b4\uc758 \ucc28\uc774\uc810\ubd80\ud130 \ud55c\ubc88 \ud655\uc778\ud574 \ubcfc\uae4c\uc694?<\/p>\n\n\n\n

\n \u2713 \ub80c\ub354 \ud06c\ub798\ub527: \uc2dc\uc7a5 \uae08\ub9ac\ubcf4\ub2e4 \uc57d\uac04 \ub192\uc740 \uc774\uc790\uc728\uc744 \uc120\ud0dd\ud558\ub294 \ub300\uac00\ub85c, \ub80c\ub354\uac00 \ubc14\uc774\uc5b4\uc758 \ud074\ub85c\uc9d5 \ube44\uc6a9 \uc77c\ubd80 \ud639\uc740 \uc804\uc561\uc744 \ub300\uc2e0 \ub0b4 \uc8fc\ub294 \uac83\n
\n \u2713 \ud3ec\uc778\ud2b8: \uc120\uc774\uc790\ucc98\ub7fc, \uc624\ub298 \ub3c8\uc744 \uba3c\uc800 \ub0b4\uace0 \ubbf8\ub798\uc758 \uae08\ub9ac\ub97c \ub0ae\ucd94\ub294 \uac83\n
\n<\/div>\n\n\n\n

.<\/p>\n\n\n\n

\ub80c\ub354 \ud06c\ub798\ub527\uc774 \uaf2d \ud544\uc694\ud55c \uc0c1\ud669: \ub2e8\uae30 \uac70\uc8fc\uc640 \ud604\uae08 \ud655\ubcf4<\/strong><\/h2>\n\n\n\n

‘\ub80c\ub354 \ud06c\ub798\ub527\uc774\uc694? \uc774\uc790\ub97c \ub354 \ub0b4\uc57c \ud558\ub294\ub370 \uc65c \uad73\uc774 \uc190\ud574 \ubcf4\ub294 \uc120\ud0dd\uc744 \ud558\uc8e0?’\ub77c\uace0 \uc0dd\uac01\ud558\uc2e4 \uc218 \uc788\uc5b4\uc694.
\ud558\uc9c0\ub9cc \uc544\ub798 \ub450 \uac00\uc9c0 \uc0c1\ud669\uc5d0\uc11c\ub294 \ub80c\ub354 \ud06c\ub798\ub527\uc774 \uac15\ub825\ud55c \ubb34\uae30\uac00 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

\n \u261d\ufe0f 5\ub144 \uc774\ub0b4 \uc774\uc0ac \uacc4\ud68d\uc774 \uc788\ub294 \uacbd\uc6b0 <\/strong>\n
\n \u2713 \ub0ae\uc740 \uae08\ub9ac\ub97c \uc704\ud574 \ud070 \ube44\uc6a9\uc744 \uc9c0\ubd88\ud574\ub3c4, \ud61c\ud0dd\uc744 \ub2e4 \ub204\ub9ac\uae30 \uc804\uc5d0 \uc9d1\uc744 \ud314\uac8c \ub418\uba74 \uc190\ud574\uc785\ub2c8\ub2e4.
\n\ucc28\ub77c\ub9ac \uae08\ub9ac\ub97c \ub192\uc5ec \ucd08\uae30 \ube44\uc6a9\uc744 \uc544\ub07c\ub294 \uac83\uc774 \uae08\uc561\uc801\uc73c\ub85c \uc774\ub4dd\uc785\ub2c8\ub2e4.\n
\n<\/div>\n\n\n\n
\n \u270c\ufe0f\ucd08\uae30 \uc790\uae08\uc774 \ubd80\uc871\ud55c \uacbd\uc6b0 <\/strong>\n
\n \u2713 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ud6c4 \ud1b5\uc7a5 \uc794\uace0\uac00 \ubc14\ub2e5\ub0ac\ub2e4\uba74, \uae08\ub9ac\ub97c \uc870\uae08 \uc62c\ub824\uc11c\ub77c\ub3c4 \n\uc218\ucc9c \ub2ec\ub7ec\uc758 \ub80c\ub354 \ud06c\ub798\ub527\uc73c\ub85c \ud074\ub85c\uc9d5 \ube44\uc6a9\uc744 \ubc29\uc5b4\ud574\ud569\ub2c8\ub2e4.\n\n\n
\n<\/div>\n\n\n\n
\n 500(Medium) *\/\n \/* Pretendard\uc5d0\uc11c 400\uc740 \ub108\ubb34 \uc587\uc544 \ubcf4\uc77c \uc218 \uc788\uc5b4 500\uc774 ‘\ubcf4\ud1b5’ \ub290\ub08c\uc73c\ub85c \uc801\uc808\ud569\ub2c8\ub2e4 *\/\n font-weight: 500; \n \n letter-spacing: -0.02em;\n text-decoration: none;\n color: #FFFFFF;\n \n \/* 2. \ud615\ud0dc & \ud06c\uae30 *\/\n padding: 16px 42px;\n border-radius: 999px;\n \n \/* [\uc218\uc815 2] \ubc30\uacbd\uc0c9 \ubcc0\uacbd: \uc5b4\ub450\uc6b4 \uadf8\ub77c\ub370\uc774\uc158 \uc81c\uac70 -> \ubc1d\uc740 \ub2e8\uc0c9 \uc801\uc6a9 *\/\n background-color: #2ECC71; \n \n \/* 3. \uc785\uccb4\uac10 & \uadf8\ub9bc\uc790 (\ubc30\uacbd\uc0c9\uc5d0 \ub9de\ucdb0 \uadf8\ub9bc\uc790\ub3c4 \ub354 \ud22c\uba85\ud558\uac8c \uc870\uc815) *\/\n box-shadow: 0 4px 14px rgba(46, 204, 113, 0.25), inset 0 1px 0 rgba(255, 255, 255, 0.3);\n \n \/* 4. \uc560\ub2c8\uba54\uc774\uc158 *\/\n transition: all 0.2s cubic-bezier(0.25, 0.8, 0.25, 1);\n ”\n onmouseover=”this.style.transform=’translateY(-2px)’; this.style.boxShadow=’0 8px 20px rgba(46, 204, 113, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.3)’;” \n onmouseout=”this.style.transform=’translateY(0)’; this.style.boxShadow=’0 4px 14px rgba(46, 204, 113, 0.25), inset 0 1px 0 rgba(255, 255, 255, 0.3)’;”\n >\n \ud83d\udc49<\/span> \ub85c\ub2dd \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ub0b4 \uae08\ub9ac \uc870\ud68c\ud558\uae30\n <\/a>\n<\/div>\n\n\n\n

.<\/p>\n\n\n\n

\uc2e4\uc804 \uc2dc\ubbac\ub808\uc774\uc158: \ub80c\ub354 \ud06c\ub798\ub527\uc758 \uc190\uc775 \ubd84\uae30\uc810 \uacc4\uc0b0<\/strong><\/h2>\n\n\n\n

\ub9d0\ub85c\ub9cc \ub4e4\uc5b4\uc11c\ub294 \uccb4\uac10\uc774 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. Loaning.ai<\/a>\uac00 $700,000 \ub300\ucd9c \uae30\uc900 5.250%, 5.625%, 6.500%, \uc138 \uac00\uc9c0 \uae08\ub9ac\ub97c \ube44\uad50\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.
\ud575\uc2ec\uc740 \uc190\uc775\ubd84\uae30\uc810\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n

\n
\n \n \n \n \n \n \n \n \n \n \n
\uad6c\ubd84<\/th>\n \n \uc120\ud0dd\uc9c0 1<\/th>\n \n \uc120\ud0dd\uc9c0 2 (\ucd94\ucc9c) \u2728<\/th>\n \n \uc120\ud0dd\uc9c0 3<\/th>\n <\/tr>\n <\/thead>\n \n
\uae08\ub9ac<\/td>\n 5.250%<\/td>\n \n 5.625%<\/td>\n \n 6.500%<\/td>\n <\/tr>\n\n
APR<\/td>\n 5.618%<\/td>\n \n 5.741%<\/td>\n \n 6.311%<\/td>\n <\/tr>\n
\uc6d4 \ud398\uc774\uba3c\ud2b8<\/td>\n \n $3,865<\/strong> (\uac00\uc7a5 \uc800\ub834)<\/span>\n <\/td>\n \n \n $4,029<\/strong>\n <\/td>\n \n $4,424<\/td>\n <\/tr>\n\n
\ucd08\uae30 \ube44\uc6a9<\/td>\n \n $28,833 \uc9c0\ubd88<\/span>
\n (\uae08\ub9ac \uc778\ud558\uc6a9)<\/span>\n <\/td>\n \n 		\n $7,000 \uc9c0\ubd88<\/strong>
\n (Origination)<\/span>\n <\/td>\n \n 		\n $12,117 \uc218\ub839<\/span>
\n (\ud06c\ub798\ub527 \uc218\ub839)<\/span>\n <\/td>\n <\/tr>\n\n
\uc190\uc775\ubd84\uae30\uc810
(BEP)<\/span><\/td>\n 		\uc57d 11.1\ub144 (133\uac1c\uc6d4)<\/td>\n \n \uc57d 4\ub144 1\uac1c\uc6d4<\/td>\n \n \uc57d 2.5\ub144 (30\uac1c\uc6d4)<\/td>\n <\/tr>\n\n
\ubd84\uc11d<\/td>\n \n \uc6d4 \ub0a9\uc785\uae08\uc740 \uac00\uc7a5 \uc801\uc9c0\ub9cc, \ucd08\uae30 \ubaa9\ub3c8($28,833) \ud68c\uc218\uc5d0<\/span> 11\ub144 \uc774\uc0c1 \uac78\ub9bd\ub2c8\ub2e4.\n <\/td>\n \n \n \ucd08\uae30 \ube44\uc6a9\uc774 \uc801\uace0 \uae08\ub9ac\ub3c4 \uc801\ub2f9\ud558\uc5ec, \uac00\uc7a5 \uade0\ud615 \uc7a1\ud78c \uc120\ud0dd<\/span>\uc785\ub2c8\ub2e4.\n <\/td>\n \n \n \uc6d4 $395\ub97c \ub354 \ub0b4\uc9c0\ub9cc, \ucd08\uae30\uc5d0 $12,117\uc744 \ubc1b\uc2b5\ub2c8\ub2e4.<\/span> (\ub2e8\uae30 \uac70\uc8fc \uc720\ub9ac)\n <\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n<\/div>\n\n\n\n

\uc120\ud0dd\uc9c0 3<\/strong>\uc740 \uc6d4 \ud398\uc774\uba3c\ud2b8\uac00 \uac00\uc7a5 \ub192\uc9c0\ub9cc, \ucd08\uae30\uc5d0 \ubc1b\uc740 \ub80c\ub354 \ud06c\ub798\ub527 $12,117\uc758 \ud6a8\uacfc\uac00 \uc720\uc9c0\ub418\ub294 \uc57d 2.5\ub144(30\uac1c\uc6d4) \ub3d9\uc548\uc740 \uc720\ub9ac\ud55c \uad6c\uac04\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub2e8\uae30\uac04 \ub0b4\uc5d0 \uc774\uc0ac\ub098 \uc7ac\uc735\uc790\ub97c \uacc4\ud68d\ud55c\ub2e4\uba74 \uc774 \uc120\ud0dd\uc9c0\uac00 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\ud558\uc9c0\ub9cc \uac70\uc8fc \uae30\uac04\uc774 \uae38\uc5b4\uc9c8\uc218\ub85d \uc120\ud0dd\uc9c0 2<\/strong>\uc758 \ub9e4\ub825\uc774 \ucee4\uc9d1\ub2c8\ub2e4. \uc120\ud0dd\uc9c0 2<\/strong>\uc758 \uc190\uc775\ubd84\uae30\uc810\uc740 \uc57d 4\ub144 1\uac1c\uc6d4\uc785\ub2c8\ub2e4. \uc989, 4\ub144 1\uac1c\uc6d4 \uc774\uc0c1 \uac70\uc8fc\ud55c\ub2e4\uba74 \ucd08\uae30 \ube44\uc6a9 $7,000\uc744 \ubaa8\ub450 \ud68c\uc218\ud558\uace0, \uc774\ud6c4\ubd80\ud130\ub294 \ub354 \ub0ae\uc740 \uae08\ub9ac\uc758 \ud61c\ud0dd\uc744 \uc628\uc804\ud788 \ub204\ub9ac\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

\n \ud83d\udca1 \uacb0\ub860\uc801\uc73c\ub85c 11\ub144 \uc774\uc0c1 \uac70\uc8fc\ud574\uc57c \ubcf8\uc804\uc744 \ucc3e\ub294 \uc120\ud0dd\uc9c0 1<\/strong>\uc740 \ubd80\ub2f4\uc2a4\ub7fd\uace0, 2.5\ub144\uc740 \ub108\ubb34 \uc9e7\ub2e4\uace0 \ub290\uaef4\uc9c4\ub2e4\uba74,
4\ub144 1\uac1c\uc6d4\ub9cc \uc9c0\ub098\ub3c4 \uc774\ub4dd\uc774 \ubc1c\uc0dd\ud558\ub294 \uc120\ud0dd\uc9c0 2<\/strong>\uac00 \ucd08\uae30 \ube44\uc6a9\uacfc \uc6d4 \ub0a9\uc785\uae08\uc758 \uade0\ud615\uc744 \ub9de\ucd98 \uac00\uc7a5 \ud569\ub9ac\uc801\uc778 \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/div>\n\n\n\n
\"\"
*\uc2e4\uc81c \uae08\ub9ac, \uc0c1\ud658\uc561 \ubc0f \ube44\uc6a9\uc740 \uac1c\uc778\uc758 \uc2e0\uc6a9\ub3c4\uc640 \uc7ac\ubb34 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/figcaption><\/figure>\n\n\n\n
\n\uc81c\uacf5\ud574 \ub4dc\ub9b0 \uae08\ub9ac \uc815\ubcf4\uc5d0 \uc801\uc6a9\ub41c \uac00\uc815\uc785\ub2c8\ub2e4.<\/br><\/br>\n \u2713 Home Price: $1,000,000.00 \/ Loan Amount $700,000.00<\/br>\n \u2713 30 Year Fixed, Level Payment, U.S. Citizen,<\/br>\n \u2713 Tax report of 2 years or more, Full-Document,<\/br>\n \u2713 Single Family, Purchase, Primary Residence,<\/br>\n \u2713 Credit Score(FICO) 740, DTI 45% and LTV 70%<\/br><\/br>\n\n* \ubcf8 \uae00\uc758 \ubaa8\ub4e0 \uc218\uce58(\uae08\ub9ac\u00b7\uc6d4 \uc0c1\ud658\uc561\u00b7\ud06c\ub798\ub527 \uae08\uc561\u00b7\uc190\uc775\ubd84\uae30\uc810 \ub4f1)\ub294 \uc608\uc2dc \uc2dc\ubbac\ub808\uc774\uc158\uc73c\ub85c, \uc2e4\uc81c \uc801\uc6a9 \uc2dc \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/br> \uac1c\uc778 \uc2e0\uc6a9\u00b7\uc7ac\ubb34 \uc0c1\ud669\u00b7\uc2dc\uc7a5 \uc870\uac74\uc5d0 \ub530\ub77c \uacb0\uacfc\uac00 \ud06c\uac8c \ubcc0\ub3d9\ub420 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uae08\uc735 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/br>\nLoaning.ai \uc774\uc6a9 \uc2dc \uc81c\ud734 \uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uc885 \uacb0\uc815\uc740 \uc804\ubb38\uac00 \uc0c1\ub2f4 \ud6c4 \ubcf8\uc778 \ud310\ub2e8\uc73c\ub85c \ud558\uc2ed\uc2dc\uc624.<\/br>\n<\/div>\n<\/div>\n\n\n\n
\n 500(Medium) *\/\n \/* Pretendard\uc5d0\uc11c 400\uc740 \ub108\ubb34 \uc587\uc544 \ubcf4\uc77c \uc218 \uc788\uc5b4 500\uc774 ‘\ubcf4\ud1b5’ \ub290\ub08c\uc73c\ub85c \uc801\uc808\ud569\ub2c8\ub2e4 *\/\n font-weight: 500; \n \n letter-spacing: -0.02em;\n text-decoration: none;\n color: #FFFFFF;\n \n \/* 2. \ud615\ud0dc & \ud06c\uae30 *\/\n padding: 16px 42px;\n border-radius: 999px;\n \n \/* [\uc218\uc815 2] \ubc30\uacbd\uc0c9 \ubcc0\uacbd: \uc5b4\ub450\uc6b4 \uadf8\ub77c\ub370\uc774\uc158 \uc81c\uac70 -> \ubc1d\uc740 \ub2e8\uc0c9 \uc801\uc6a9 *\/\n background-color: #2ECC71; \n \n \/* 3. \uc785\uccb4\uac10 & \uadf8\ub9bc\uc790 (\ubc30\uacbd\uc0c9\uc5d0 \ub9de\ucdb0 \uadf8\ub9bc\uc790\ub3c4 \ub354 \ud22c\uba85\ud558\uac8c \uc870\uc815) *\/\n box-shadow: 0 4px 14px rgba(46, 204, 113, 0.25), inset 0 1px 0 rgba(255, 255, 255, 0.3);\n \n \/* 4. \uc560\ub2c8\uba54\uc774\uc158 *\/\n transition: all 0.2s cubic-bezier(0.25, 0.8, 0.25, 1);\n ”\n onmouseover=”this.style.transform=’translateY(-2px)’; this.style.boxShadow=’0 8px 20px rgba(46, 204, 113, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.3)’;” \n onmouseout=”this.style.transform=’translateY(0)’; this.style.boxShadow=’0 4px 14px rgba(46, 204, 113, 0.25), inset 0 1px 0 rgba(255, 255, 255, 0.3)’;”\n >\n \ud83d\udc49<\/span> \ub85c\ub2dd \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ub0b4 \uae08\ub9ac \uc870\ud68c\ud558\uae30\n <\/a>\n<\/div>\n\n\n\n

.<\/p>\n\n\n\n

\ub80c\ub354 \ud06c\ub798\ub527, \ub9ac\ud30c\uc774\ub0b8\uc2a4 \ud0c0\uc774\ubc0d\uc744 \ub178\ub9b0\ub2e4\uba74 \ud544\uc218<\/strong><\/h2>\n\n\n\n

\ud5a5\ud6c4 1~2\ub144 \ub0b4 \uae08\ub9ac \ud558\ub77d\uc774 \uc608\uc0c1\ub418\uac70\ub098 \uc870\ub9cc\uac04 \uc774\uc0ac\ud560 \uacc4\ud68d\uc774 \uc788\ub2e4\uba74, \uad73\uc774 \ud070 \ube44\uc6a9\uc744 \ub4e4\uc5ec \ud604\uc7ac\uc758 \uae08\ub9ac\ub97c \ub0ae\ucd9c \ud544\uc694\uac00 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc120\ud0dd\uc9c0 1\ucc98\ub7fc \ucd08\uae30 \ube44\uc6a9\uc744 \ub9ce\uc774 \ub0b4\ub354\ub77c\ub3c4, \uc190\uc775\ubd84\uae30\uc810(11\ub144)\uc774 \uc624\uae30 \uc804\uc5d0 \ub9ac\ud30c\uc774\ub0b8\uc2a4\ub97c \ud558\uac8c \ub418\uba74 \uc120\ub0a9\ud55c \ube44\uc6a9\uc740 \uace0\uc2a4\ub780\ud788 \uc0ac\ub77c\uc9c0\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

\ub9ac\ud30c\uc774\ub0b8\uc2a4\ub97c \uace0\ub824\ud558\uace0 \uc788\ub2e4\uba74 \uc624\ud788\ub824 \uc120\ud0dd\uc9c0 3\uc744 \ud1b5\ud574 $12,117\uc758 \ud604\uae08\uc744 \uba3c\uc800 \ud655\ubcf4\ud558\uace0, \uc190\uc775\ubd84\uae30\uc810\uc778 30\uac1c\uc6d4 \uc774\ub0b4\uc5d0 \ub0ae\uc544\uc9c4 \uae08\ub9ac\ub85c \uac08\uc544\ud0c0\ub294 \uac83\uc774 \ud6e8\uc52c \uc774\ub4dd\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

.<\/p>\n\n\n\n

Loaning.ai<\/a>\uac00 \uc81c\uc548\ud558\ub294 ‘\ub098\uc5d0\uac8c \ub9de\ub294 \ubaa8\uae30\uc9c0\u2019<\/strong><\/h2>\n\n\n\n
\"\"<\/a><\/figure>\n\n\n\n
\n

“\uc774 \uc9d1\uc5d0 \uc5bc\ub9c8\ub098 \uac70\uc8fc\ud558\uc2e4 \uacc4\ud68d\uc778\uac00\uc694? \uac00\uae4c\uc6b4 \uc2dc\uc77c \ub0b4\uc5d0 \uc7ac\uc735\uc790 \uacc4\ud68d\uc774 \uc788\uc73c\uc2e0\uac00\uc694?”<\/p>\n<\/blockquote>\n\n\n\n

Loaning.ai<\/a>\ub294 \ubc14\uc774\uc5b4\ubd84\ub4e4\uaed8 \ud56d\uc0c1 \uc774 \uc9c8\ubb38\ubd80\ud130 \ub4dc\ub9bd\ub2c8\ub2e4. \uc774 \ub2f5\ubcc0\uc5d0 \ub530\ub77c \ub204\uad70\uac00\uc5d0\uac8c\ub294 \ub80c\ub354 \ud06c\ub798\ub527\uc774 \ud53c\ud574\uc57c \ud560 \uc635\uc158\uc778 \ubc18\uba74, \ub204\uad70\uac00\uc5d0\uac8c\ub294 1\ub9cc \ub2ec\ub7ec \uc774\uc0c1\uc744 \ubc8c\uc5b4 \uc8fc\ub294 \ucd5c\uace0\uc758 \uc7ac\ud14c\ud06c \uc218\ub2e8\uc774 \ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

\ubaa8\uae30\uc9c0\ub294 30\ub144\uc9dc\ub9ac \uacc4\uc57d\uc774\uc9c0\ub9cc, \uc6b0\ub9ac\uc758 \uac70\uc8fc \ud658\uacbd\uc740 \uadf8\ubcf4\ub2e4 \ud6e8\uc52c \ube60\ub974\uac8c \ubcc0\ud569\ub2c8\ub2e4.
\ub0a8\ub4e4\uc774 \uc88b\ub2e4\uace0 \ud558\ub294 \ubb34\uc870\uac74 \ub0ae\uc740 \uae08\ub9ac\uac00 \ub098\uc5d0\uac8c\ub294 \uc624\ud788\ub824 10\ub144 \ub118\uac8c \ubc1c\ubaa9\uc744 \uc7a1\ub294 \uc871\uc1c4\uac00 \ub420 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\ub2e8\uae30 \uac70\uc8fc\ub97c \uacc4\ud68d\ud558\uc2dc\uac70\ub098 \ud5a5\ud6c4 \uc7ac\uc735\uc790\ub97c \uc5fc\ub450\uc5d0 \ub450\uace0 \uacc4\uc2e0\ub2e4\uba74, Loaning.ai<\/a>\uc640 \ud568\uaed8 \uc815\ud655\ud55c \uc190\uc775\ubd84\uae30\uc810\uc744 \uacc4\uc0b0\ud574 \ubcf4\uc138\uc694.
\uac00\uc7a5 \uc88b\uc740 \ubaa8\uae30\uc9c0\ub294 \ub0b4 \uc0c1\ud669\uacfc \uacc4\ud68d\uc5d0 \ub531 \ub9de\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4. \u2728<\/p>\n\n\n\n

\n 500(Medium) *\/\n \/* Pretendard\uc5d0\uc11c 400\uc740 \ub108\ubb34 \uc587\uc544 \ubcf4\uc77c \uc218 \uc788\uc5b4 500\uc774 ‘\ubcf4\ud1b5’ \ub290\ub08c\uc73c\ub85c \uc801\uc808\ud569\ub2c8\ub2e4 *\/\n font-weight: 500; \n \n letter-spacing: -0.02em;\n text-decoration: none;\n color: #FFFFFF;\n \n \/* 2. \ud615\ud0dc & \ud06c\uae30 *\/\n padding: 16px 42px;\n border-radius: 999px;\n \n \/* [\uc218\uc815 2] \ubc30\uacbd\uc0c9 \ubcc0\uacbd: \uc5b4\ub450\uc6b4 \uadf8\ub77c\ub370\uc774\uc158 \uc81c\uac70 -> \ubc1d\uc740 \ub2e8\uc0c9 \uc801\uc6a9 *\/\n background-color: #2ECC71; \n \n \/* 3. \uc785\uccb4\uac10 & \uadf8\ub9bc\uc790 (\ubc30\uacbd\uc0c9\uc5d0 \ub9de\ucdb0 \uadf8\ub9bc\uc790\ub3c4 \ub354 \ud22c\uba85\ud558\uac8c \uc870\uc815) *\/\n box-shadow: 0 4px 14px rgba(46, 204, 113, 0.25), inset 0 1px 0 rgba(255, 255, 255, 0.3);\n \n \/* 4. \uc560\ub2c8\uba54\uc774\uc158 *\/\n transition: all 0.2s cubic-bezier(0.25, 0.8, 0.25, 1);\n ”\n onmouseover=”this.style.transform=’translateY(-2px)’; this.style.boxShadow=’0 8px 20px rgba(46, 204, 113, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.3)’;” \n onmouseout=”this.style.transform=’translateY(0)’; this.style.boxShadow=’0 4px 14px rgba(46, 204, 113, 0.25), inset 0 1px 0 rgba(255, 255, 255, 0.3)’;”\n >\n \ud83d\udc49<\/span> \ub85c\ub2dd \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ub0b4 \uae08\ub9ac \uc870\ud68c\ud558\uae30\n <\/a>\n<\/div>\n\n\n\n

<\/p>\n\n\n\n

\n
\ud83d\udc49 \ucc44\ud305\uc73c\ub85c \uac04\ud3b8\ud558\uac8c \uc9c8\ubb38\ud558\uae30<\/strong><\/a><\/div>\n<\/div>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits\uc740 \ubbf8\uad6d\uc5d0\uc11c \uc9d1\uc744 \uad6c\ub9e4\ud560 \ub54c \uae08\ub9ac\ub97c \uc870\uae08 \ub192\uc774\ub294 \ub300\uc2e0 \ub300\ucd9c \uae30\uad00(Lender)\uc73c\ub85c\ubd80\ud130 \ubc1b\ub294 \ud604\uae08 \uc9c0\uc6d0(Credits)\uc774\uc5d0\uc694. \ubc14\uc774\uc5b4\uc758 \uc785\uc7a5\uc5d0\uc11c \ubcf4\ud1b5\uc740 ‘\uac00\uc7a5 \ub0ae\uc740 \uae08\ub9ac’\ub97c \uc120\ud0dd\ud558\uc9c0\ub9cc, \uc0c1\ud669\uc5d0 \ub530\ub77c\uc11c\ub294 \uc774 \ub80c\ub354 \ud06c\ub798\ub527\uc774 \uc218\ucc9c \ub2ec\ub7ec\uc758 \ubaa9\ub3c8\uc744 \uc544\uaef4\uc8fc\ub294 \ud604\uba85\ud55c \uacb0\uc815\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc624\ub298\uc740 \uc798 \ud65c\uc6a9\ud558\uba74 \ucd08\uae30 \ube44\uc6a9 \ubd80\ub2f4\uc744 \ud68d\uae30\uc801\uc73c\ub85c \uc904\uc774\uace0 \uc2e4\uc9c8\uc801\uc778 \uc774\ub4dd\uc744 \ubcfc \uc218 \uc788\ub294 \u2018\ub80c\ub354 \ud06c\ub798\ub527\u2019\uc758 \uac1c\ub150\uacfc \ud65c\uc6a9\ubc95\uc744 […]<\/p>\n","protected":false},"author":12,"featured_media":13402,"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-13399","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-47"],"yoast_head":"\n\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?<\/title>\n<meta name=\"description\" content=\"\ub80c\ub354 \ud06c\ub808\ub527, \ub098\uc758 \uc0c1\ud669\uc5d0 \ub530\ub77c \ubc1b\ub294 \uac83\uc774 \ud604\uba85\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc720\uc5f0\ud55c \ud604\uae08 \ud750\ub984\uc774 \ud544\uc694\ud55c \ubd84\ub4e4, \uadf8\ub9ac\uace0 \ud5a5\ud6c4 \uae08\ub9ac \uc778\ud558 \uc2dc\uc810\uc5d0 \ub9de\ucdb0 \uac00\ubccd\uac8c \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uacc4\ud68d\ud558\uc2dc\ub294 \ubd84\ub4e4\uc744 \uc704\ud574, \ucd08\uae30 \ube44\uc6a9 \uac71\uc815\uc744 \uc5c6\uc560\uace0 \uc2e4\uc18d\uc744 \ucc59\uae30\ub294 \uc2a4\ub9c8\ud2b8\ud55c \ubaa8\uae30\uc9c0 \uc804\ub7b5\uc744 \uacf5\uac1c\ud569\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\/13399\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?\" \/>\n<meta property=\"og:description\" content=\"\ub80c\ub354 \ud06c\ub808\ub527, \ub098\uc758 \uc0c1\ud669\uc5d0 \ub530\ub77c \ubc1b\ub294 \uac83\uc774 \ud604\uba85\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc720\uc5f0\ud55c \ud604\uae08 \ud750\ub984\uc774 \ud544\uc694\ud55c \ubd84\ub4e4, \uadf8\ub9ac\uace0 \ud5a5\ud6c4 \uae08\ub9ac \uc778\ud558 \uc2dc\uc810\uc5d0 \ub9de\ucdb0 \uac00\ubccd\uac8c \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uacc4\ud68d\ud558\uc2dc\ub294 \ubd84\ub4e4\uc744 \uc704\ud574, \ucd08\uae30 \ube44\uc6a9 \uac71\uc815\uc744 \uc5c6\uc560\uace0 \uc2e4\uc18d\uc744 \ucc59\uae30\ub294 \uc2a4\ub9c8\ud2b8\ud55c \ubaa8\uae30\uc9c0 \uc804\ub7b5\uc744 \uacf5\uac1c\ud569\ub2c8\ub2e4.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/ko\/13399\/\" \/>\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=\"2026-01-15T06:55:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-15T08:55:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/01\/260114_LenderCredits_0-2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1020\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"\uc9c0\ud5a5 \ub958\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"\uc9c0\ud5a5 \ub958\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"7\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/\"},\"author\":{\"name\":\"\uc9c0\ud5a5 \ub958\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/person\\\/4a5664aeb7061e03f0c9c6d23a4e6a04\"},\"headline\":\"\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?\",\"datePublished\":\"2026-01-15T06:55:28+00:00\",\"dateModified\":\"2026-01-15T08:55:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/\"},\"wordCount\":54,\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/260114_LenderCredits_0-2.png\",\"articleSection\":[\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ub860\"],\"inLanguage\":\"ko-KR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/\",\"name\":\"\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/260114_LenderCredits_0-2.png\",\"datePublished\":\"2026-01-15T06:55:28+00:00\",\"dateModified\":\"2026-01-15T08:55:40+00:00\",\"description\":\"\ub80c\ub354 \ud06c\ub808\ub527, \ub098\uc758 \uc0c1\ud669\uc5d0 \ub530\ub77c \ubc1b\ub294 \uac83\uc774 \ud604\uba85\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc720\uc5f0\ud55c \ud604\uae08 \ud750\ub984\uc774 \ud544\uc694\ud55c \ubd84\ub4e4, \uadf8\ub9ac\uace0 \ud5a5\ud6c4 \uae08\ub9ac \uc778\ud558 \uc2dc\uc810\uc5d0 \ub9de\ucdb0 \uac00\ubccd\uac8c \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uacc4\ud68d\ud558\uc2dc\ub294 \ubd84\ub4e4\uc744 \uc704\ud574, \ucd08\uae30 \ube44\uc6a9 \uac71\uc815\uc744 \uc5c6\uc560\uace0 \uc2e4\uc18d\uc744 \ucc59\uae30\ub294 \uc2a4\ub9c8\ud2b8\ud55c \ubaa8\uae30\uc9c0 \uc804\ub7b5\uc744 \uacf5\uac1c\ud569\ub2c8\ub2e4.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/260114_LenderCredits_0-2.png\",\"contentUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/260114_LenderCredits_0-2.png\",\"width\":1020,\"height\":735},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/13399\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#website\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/\",\"name\":\"30 year mortgage rates | LoaningAI Blog\",\"description\":\"Compare 30 year mortgage rates in US\",\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#organization\"},\"alternateName\":\"Compare 30 year mortgage rates today in US\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#organization\",\"name\":\"30 year mortgage rates | LoaningAI Blog\",\"alternateName\":\"Compare 30 year mortgage rates in US\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo-loaning-ai-blog-light.png\",\"contentUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo-loaning-ai-blog-light.png\",\"width\":574,\"height\":130,\"caption\":\"30 year mortgage rates | LoaningAI Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/person\\\/4a5664aeb7061e03f0c9c6d23a4e6a04\",\"name\":\"\uc9c0\ud5a5 \ub958\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?","description":"\ub80c\ub354 \ud06c\ub808\ub527, \ub098\uc758 \uc0c1\ud669\uc5d0 \ub530\ub77c \ubc1b\ub294 \uac83\uc774 \ud604\uba85\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc720\uc5f0\ud55c \ud604\uae08 \ud750\ub984\uc774 \ud544\uc694\ud55c \ubd84\ub4e4, \uadf8\ub9ac\uace0 \ud5a5\ud6c4 \uae08\ub9ac \uc778\ud558 \uc2dc\uc810\uc5d0 \ub9de\ucdb0 \uac00\ubccd\uac8c \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uacc4\ud68d\ud558\uc2dc\ub294 \ubd84\ub4e4\uc744 \uc704\ud574, \ucd08\uae30 \ube44\uc6a9 \uac71\uc815\uc744 \uc5c6\uc560\uace0 \uc2e4\uc18d\uc744 \ucc59\uae30\ub294 \uc2a4\ub9c8\ud2b8\ud55c \ubaa8\uae30\uc9c0 \uc804\ub7b5\uc744 \uacf5\uac1c\ud569\ub2c8\ub2e4.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.loaning.ai\/ko\/13399\/","og_locale":"ko_KR","og_type":"article","og_title":"\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?","og_description":"\ub80c\ub354 \ud06c\ub808\ub527, \ub098\uc758 \uc0c1\ud669\uc5d0 \ub530\ub77c \ubc1b\ub294 \uac83\uc774 \ud604\uba85\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc720\uc5f0\ud55c \ud604\uae08 \ud750\ub984\uc774 \ud544\uc694\ud55c \ubd84\ub4e4, \uadf8\ub9ac\uace0 \ud5a5\ud6c4 \uae08\ub9ac \uc778\ud558 \uc2dc\uc810\uc5d0 \ub9de\ucdb0 \uac00\ubccd\uac8c \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uacc4\ud68d\ud558\uc2dc\ub294 \ubd84\ub4e4\uc744 \uc704\ud574, \ucd08\uae30 \ube44\uc6a9 \uac71\uc815\uc744 \uc5c6\uc560\uace0 \uc2e4\uc18d\uc744 \ucc59\uae30\ub294 \uc2a4\ub9c8\ud2b8\ud55c \ubaa8\uae30\uc9c0 \uc804\ub7b5\uc744 \uacf5\uac1c\ud569\ub2c8\ub2e4.","og_url":"https:\/\/blog.loaning.ai\/ko\/13399\/","og_site_name":"\ubbf8\uad6d 30\ub144 \ubaa8\uae30\uc9c0 \uae08\ub9ac | \ub85c\ub2ddAI \ube14\ub85c\uadf8","article_published_time":"2026-01-15T06:55:28+00:00","article_modified_time":"2026-01-15T08:55:40+00:00","og_image":[{"width":1020,"height":735,"url":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/01\/260114_LenderCredits_0-2.png","type":"image\/png"}],"author":"\uc9c0\ud5a5 \ub958","twitter_card":"summary_large_image","twitter_misc":{"\uae00\uc4f4\uc774":"\uc9c0\ud5a5 \ub958","\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04":"7\ubd84"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.loaning.ai\/ko\/13399\/#article","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/ko\/13399\/"},"author":{"name":"\uc9c0\ud5a5 \ub958","@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/person\/4a5664aeb7061e03f0c9c6d23a4e6a04"},"headline":"\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?","datePublished":"2026-01-15T06:55:28+00:00","dateModified":"2026-01-15T08:55:40+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.loaning.ai\/ko\/13399\/"},"wordCount":54,"publisher":{"@id":"https:\/\/blog.loaning.ai\/ko\/#organization"},"image":{"@id":"https:\/\/blog.loaning.ai\/ko\/13399\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/01\/260114_LenderCredits_0-2.png","articleSection":["\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ub860"],"inLanguage":"ko-KR"},{"@type":"WebPage","@id":"https:\/\/blog.loaning.ai\/ko\/13399\/","url":"https:\/\/blog.loaning.ai\/ko\/13399\/","name":"\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/ko\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.loaning.ai\/ko\/13399\/#primaryimage"},"image":{"@id":"https:\/\/blog.loaning.ai\/ko\/13399\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/01\/260114_LenderCredits_0-2.png","datePublished":"2026-01-15T06:55:28+00:00","dateModified":"2026-01-15T08:55:40+00:00","description":"\ub80c\ub354 \ud06c\ub808\ub527, \ub098\uc758 \uc0c1\ud669\uc5d0 \ub530\ub77c \ubc1b\ub294 \uac83\uc774 \ud604\uba85\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc720\uc5f0\ud55c \ud604\uae08 \ud750\ub984\uc774 \ud544\uc694\ud55c \ubd84\ub4e4, \uadf8\ub9ac\uace0 \ud5a5\ud6c4 \uae08\ub9ac \uc778\ud558 \uc2dc\uc810\uc5d0 \ub9de\ucdb0 \uac00\ubccd\uac8c \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uacc4\ud68d\ud558\uc2dc\ub294 \ubd84\ub4e4\uc744 \uc704\ud574, \ucd08\uae30 \ube44\uc6a9 \uac71\uc815\uc744 \uc5c6\uc560\uace0 \uc2e4\uc18d\uc744 \ucc59\uae30\ub294 \uc2a4\ub9c8\ud2b8\ud55c \ubaa8\uae30\uc9c0 \uc804\ub7b5\uc744 \uacf5\uac1c\ud569\ub2c8\ub2e4.","breadcrumb":{"@id":"https:\/\/blog.loaning.ai\/ko\/13399\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.loaning.ai\/ko\/13399\/"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/blog.loaning.ai\/ko\/13399\/#primaryimage","url":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/01\/260114_LenderCredits_0-2.png","contentUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/01\/260114_LenderCredits_0-2.png","width":1020,"height":735},{"@type":"BreadcrumbList","@id":"https:\/\/blog.loaning.ai\/ko\/13399\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blog.loaning.ai\/ko\/"},{"@type":"ListItem","position":2,"name":"\ub80c\ub354 \ud06c\ub798\ub527 Lender Credits \ubc1b\uc744\uae4c \ub9d0\uae4c?"}]},{"@type":"WebSite","@id":"https:\/\/blog.loaning.ai\/ko\/#website","url":"https:\/\/blog.loaning.ai\/ko\/","name":"30 year mortgage rates | LoaningAI Blog","description":"Compare 30 year mortgage rates in US","publisher":{"@id":"https:\/\/blog.loaning.ai\/ko\/#organization"},"alternateName":"Compare 30 year mortgage rates today in US","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.loaning.ai\/ko\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":"Organization","@id":"https:\/\/blog.loaning.ai\/ko\/#organization","name":"30 year mortgage rates | LoaningAI Blog","alternateName":"Compare 30 year mortgage rates in US","url":"https:\/\/blog.loaning.ai\/ko\/","logo":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/logo\/image\/","url":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2023\/06\/logo-loaning-ai-blog-light.png","contentUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2023\/06\/logo-loaning-ai-blog-light.png","width":574,"height":130,"caption":"30 year mortgage rates | LoaningAI Blog"},"image":{"@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/person\/4a5664aeb7061e03f0c9c6d23a4e6a04","name":"\uc9c0\ud5a5 \ub958"}]}},"views":31,"_links":{"self":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts\/13399","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/comments?post=13399"}],"version-history":[{"count":2,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts\/13399\/revisions"}],"predecessor-version":[{"id":13442,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts\/13399\/revisions\/13442"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/media\/13402"}],"wp:attachment":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/media?parent=13399"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/categories?post=13399"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/tags?post=13399"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}