{"id":13764,"date":"2026-02-08T16:18:16","date_gmt":"2026-02-08T07:18:16","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=13764"},"modified":"2026-02-09T14:59:43","modified_gmt":"2026-02-09T05:59:43","slug":"%ed%8c%8c%ec%82%b0-%ed%9b%84-%eb%a6%ac%ed%8c%8c%ec%9d%b4%eb%82%b8%ec%8a%a4-%ec%9c%84%ea%b8%b0%eb%a5%bc-%ea%b8%b0%ed%9a%8c%eb%a1%9c-%eb%b0%94%ea%be%b8%eb%8a%94-%ec%8b%9c%ea%b8%b0%eb%b3%84-%ec%a0%84","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/13764\/","title":{"rendered":"\ud30c\uc0b0 \ud6c4 \ub9ac\ud30c\uc774\ub0b8\uc2a4, \uc704\uae30\ub97c \uae30\ud68c\ub85c \ubc14\uafb8\ub294 \uc2dc\uae30\ubcc4 \uc804\ub7b5 \uac00\uc774\ub4dc"},"content":{"rendered":"\n
\ud83d\udcdd \ud30c\uc0b0 \ud6c4 \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uc544\ud2f0\ud074 \ud575\uc2ec \uc694\uc810<\/strong>
\n \u2713 \ud30c\uc0b0 \ud6c4 \ub9ac\ud30c\uc774\ub0b8\uc2a4 \ub300\uae30 \uae30\uac04\n
\n \u2713 Non-QM \ud65c\uc6a9\ubc95\n
\n \u2713 \uc2b9\uc778 \ud655\ub960\uc744 \ub192\uc774\ub294 3\uac00\uc9c0 \uc900\ube44\ubb3c\n
\n<\/div>\n\n\n\n

\uc778\uc0dd\uc744 \uc0b4\ub2e4 \ubcf4\uba74 \uc608\uae30\uce58 \ubabb\ud55c \uc7ac\uc815\uc801 \uc5b4\ub824\uc6c0\uc73c\ub85c \ud30c\uc0b0\uc744 \uc120\ud0dd\ud574\uc57c \ud560 \ub54c\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud30c\uc0b0\uc740 \ud798\ub4e0 \uacb0\uc815\uc774\uc9c0\ub9cc, \uac10\ub2f9\ud560 \uc218 \uc5c6\ub294 \ubd80\ucc44\uc758 \uace0\ub9ac\ub97c \ub04a\uace0 \ub2e4\uc2dc \uc2dc\uc791\ud560 \uae30\ud68c\ub97c \uc8fc\ub294 \ud569\ubc95\uc801\uc778 \uc81c\ub3c4\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc9d1\uc744 \uc18c\uc720\ud558\uace0 \uacc4\uc2dc\uac70\ub098 \ub2e4\uc2dc \ubaa8\uae30\uc9c0\ub97c \uacc4\ud68d\ud558\ub294 \ubd84\ub4e4\uc5d0\uac8c\ub294 \ub298 \ub530\ub77c\ub2e4\ub2c8\ub294 \uac71\uc815\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\n

“\ub0b4 \ud06c\ub808\ub527\uc5d0 \uae30\ub85d\uc774 \ub0a8\uc558\ub294\ub370, \ub2e4\uc2dc \uc740\ud589 \ubb38\uc744 \ub450\ub4dc\ub9b4 \uc218 \uc788\uc744\uae4c?”<\/p>\n<\/blockquote>\n\n\n\n

\uacb0\ub860\ubd80\ud130 \ub9d0\uc500\ub4dc\ub9ac\uba74 \uac00\ub2a5\ud569\ub2c8\ub2e4.
\uc911\uc694\ud55c \uac83\uc740 \uc815\ud655\ud55c \uc2dc\uae30(Timing)\uc640 \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc624\ub298\uc740 \ub9c9\ub9c9\ud574 \ubcf4\uc774\ub294 \ud30c\uc0b0 \ud6c4 \ub9ac\ud30c\uc774\ub0b8\uc2a4\uac00 \uc5b8\uc81c\ubd80\ud130 \uac00\ub2a5\ud55c\uc9c0, \uadf8\ub9ac\uace0 \uc5b4\ub5bb\uac8c \ud574\uc57c \uc2b9\uc778 \ud655\ub960\uc744 \ub192\uc77c \uc218 \uc788\ub294\uc9c0 \uc0c1\uc138\ud788 \uc54c\ub824\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n

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

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

\ud30c\uc0b0 \ud6c4 \ub9ac\ud30c\uc774\ub0b8\uc2a4 \ub300\uae30 \uae30\uac04<\/strong><\/h2>\n\n\n\n

\ud30c\uc0b0 \uc774\ud6c4 \ub9ac\ud30c\uc774\ub0b8\uc2a4\ub97c \ud76c\ub9dd\ud558\uc2e0\ub2e4\uba74 \u2018\uc2dc\uc988\ub2dd \uae30\uac04\u2019\uc744 \uc798 \ucc59\uaca8\uc57c \ud569\ub2c8\ub2e4. \uc2dc\uc988\ub2dd \uae30\uac04\uc740 \ud30c\uc0b0 \ud6c4 \ub300\ucd9c \uc2e0\uccad\uc790\uac00 \uc7ac\uc815\uc801\uc73c\ub85c \uc548\uc815\uc744 \ub418\ucc3e\uc558\ub2e4\ub294 \uc99d\uba85\uc744 \ud558\uae30\uae4c\uc9c0\uc758 \uae30\uac04\uc744 \uc77c\uceeb\ub294 \ub9d0\ub85c, \uc5b4\ub5a4 \uc885\ub958\uc758 \ud30c\uc0b0\uc744 \ud588\ub290\ub0d0\uc5d0 \ub530\ub77c \uc774 \uc2dc\uc988\ub2dd \uae30\uac04\uc740 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\n \u261d\ufe0f\uc644\uc804 \uccad\uc0b0\ud55c \uacbd\uc6b0 <\/strong>\n
\n \uac00\uc7a5 \ud754\ud55c \ud615\ud0dc\ub85c, \ubd80\ucc4c\uce28 \uc804\uc561 \ud0d5\uac10\ubc1b\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ubc95\uc6d0\uc73c\ub85c\ubd80\ud130 \uba74\ucc45\uc744 \ubc1b\uc740 \ub0a0\uc9dc\uac00 \uae30\uc900\uc810\uc774 \ub429\ub2c8\ub2e4. \n
\n<\/div>\n\n\n\n
\n \u270c\ufe0f\uac1c\uc778 \ud68c\uc0dd\uc758 \uacbd\uc6b0 <\/strong>\n
\n \uc815\ud574\uc9c4 \uae30\uac04(3~5\ub144) \ub3d9\uc548 \ube5a\uc744 \ub098\ub220 \uac1a\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ubc95\uc6d0\uc758 \uacc4\ud68d\uc5d0 \ub530\ub77c \uc131\uc2e4\ud788 \uc0c1\ud658\ud558\uace0 \uc788\ub2e4\ub294 \uc810\uc774 \ucc38\uc791\ub418\uc5b4 \ub300\uae30 \uae30\uac04\uc774 \ub354 \uc9e7\uc2b5\ub2c8\ub2e4.\n
\n\u2713 \ucee8\ubca4\uc154\ub110 \ub860: \uba74\ucc45 \ud6c4 2\ub144, \ub610\ub294 \uae30\uac01\ud6c4 4\ub144
\n\u2713 FHA \/ VA \ub860: \uc0c1\ud658 \uacc4\ud68d\uc744 12\uac1c\uc6d4 \uc774\uc0c1 \uc131\uc2e4\ud788 \uc774\ud589\ud558\uace0 \ubc95\uc6d0\uc758 \ud5c8\uac00\ub97c \ubc1b\uc73c\uba74 \uba74\ucc45 \uc804\uc774\ub77c\ub3c4 \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uac00\ub2a5
\n<\/div>\n\n\n\n
\uad6c\ubd84<\/strong><\/th>\uc644\uc804 \uccad\uc0b0<\/th>\uac1c\uc778 \ud68c\uc0dd<\/th><\/tr><\/thead>
\ucee8\ubca4\uc154\ub110 \ub860<\/th>\uba74\ucc45 \ud6c4 4\ub144<\/td>\uba74\ucc45 \ud6c4 2\ub144<\/td><\/tr>
FHA \ub860<\/th>\uba74\ucc45 \ud6c4 2\ub144<\/td>12\uac1c\uc6d4 \uc0c1\ud658 \ud6c4 \uac00\ub2a5<\/td><\/tr>
VA \ub860<\/th>\uba74\ucc45 \ud6c4 2\ub144<\/td>12\uac1c\uc6d4 \uc0c1\ud658 \ud6c4 \uac00\ub2a5<\/td><\/tr>
Non-QM<\/th>\ub300\uae30 \uae30\uac04 \uc5c6\uc74c<\/td>\ub300\uae30 \uae30\uac04 \uc5c6\uc74c<\/td><\/tr><\/tbody><\/table><\/figure>\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> Loaning.ai \uc804\ubb38\uac00\uc640 \ubb34\ub8cc \uc0c1\ub2f4 \uc2e0\uccad\ud558\uae30\n <\/a>\n<\/div>\n\n\n\n

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

\uae30\ub2e4\ub9b4 \uc218 \uc5c6\ub2e4\uba74? Non-QM \ud30c\uc0b0 \ud6c4 \ub9ac\ud30c\uc774\ub0b8\uc2a4<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
\n

“\ub2f9\uc7a5 \ub192\uc740 \uc774\uc790\uc758 \ube5a\uc744 \uc815\ub9ac\ud574\uc57c \ud558\ub294\ub370 2\ub144, 4\ub144\uc744 \uc5b4\ub5bb\uac8c \uae30\ub2e4\ub9ac\ub098\uc694?”<\/p>\n<\/blockquote>\n\n\n\n

\uc774\ub7f0 \ubd84\ub4e4\uc744 \uc704\ud574 \uc874\uc7ac\ud558\ub294 \uac83\uc774 \ubc14\ub85c Non-QM(Non-Qualified Mortgage) \uc0c1\ud488\uc785\ub2c8\ub2e4.
\uc815\ubd80 \uae30\uad00\uc758 \uae4c\ub2e4\ub85c\uc6b4 \uac00\uc774\ub4dc\ub77c\uc778\uc744 \ub530\ub974\uc9c0 \uc54a\uace0 \uc790\uccb4\uc801\uc778 \uae30\uc900\uc744 \uac00\uc9c4 \ub80c\ub354\ub4e4\uc774 \uc81c\uacf5\ud558\ub294 \ubaa8\uae30\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

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

\u2460 \ud30c\uc0b0 \uba74\ucc45 \uc9c1\ud6c4\uc5d0\ub3c4 \uc2e0\uccad \uac00\ub2a5<\/h3>\n\n\n\n

\uc77c\ubd80 Non-QM \ud504\ub85c\uadf8\ub7a8\uc740 1 day after discharge\uc5d0\ub3c4 \uc2e0\uccad\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ubb3c\ub860 \ub9ac\uc2a4\ud06c\uac00 \uc788\ub294 \ub9cc\ud07c \uc77c\ubc18 \ubaa8\uae30\uc9c0\ubcf4\ub2e4 \uc774\uc790\uc728\uc774 \ub2e4\uc18c \ub192\uace0, \ub354 \ub9ce\uc740 \uc5d0\ud034\ud2f0(\uc9d1\uac12 \ub300\ube44 \ub300\ucd9c \ube44\uc728 LTV 70~80% \uc218\uc900)\ub97c \uc694\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uae09\ud55c \ubd88\uc744 \ub044\uace0 \uc9d1\uc744 \uc9c0\ucf1c\uc57c \ud558\ub294 \uc0c1\ud669\uc774\ub77c\uba74 \uac00\uc7a5 \ud604\uc2e4\uc801\uc778 \ub300\uc548\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

\u2461 \uc9d5\uac80\ub2e4\ub9ac \uc804\ub7b5 \ud65c\uc6a9\ud558\uae30<\/h3>\n\n\n\n

\u2022\uba3c\uc800 Non-QM\uc744 \ud1b5\ud574 \ud30c\uc0b0 \ud6c4 \ub9ac\ud30c\uc774\ub0b8\uc2a4\ub97c \uc9c4\ud589\ud558\uc5ec \uc720\ub3d9\uc131\uc744 \ud655\ubcf4\ud569\ub2c8\ub2e4.
\u2022\uc131\uc2e4\ud788 \ud398\uc774\uba3c\ud2b8\ub97c \ub0a9\ubd80\ud558\uba70 \ud06c\ub808\ub527 \uc810\uc218\ub97c \ud68c\ubcf5\ud569\ub2c8\ub2e4.
\u2022\uc2dc\uc988\ub2dd \uae30\uac04\uc774 \uc9c0\ub09c \ud6c4, \uc774\uc790\uc728\uc774 \ub0ae\uc740 \ucee8\ubca4\uc154\ub110 \ub860\uc73c\ub85c \ub2e4\uc2dc \uac08\uc544\ud0d1\ub2c8\ub2e4.<\/p>\n\n\n\n

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

\uc2b9\uc778 \ud655\ub960\uc744 \ub192\uc774\ub294 3\uac00\uc9c0 \uc900\ube44\ubb3c<\/strong><\/strong><\/h2>\n\n\n\n

\uc870\uac74\uc801\uc778 \ub9ac\ud30c\uc774\ub0b8\uc2a4\ub294 \uc815\ub2f5\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc2e4\ud589 \uc804, \ubc18\ub4dc\uc2dc ‘\uc190\uc775\ubd84\uae30\uc810’\uc744 \ub530\uc838\ubd10\uc57c \ud569\ub2c8\ub2e4.<\/h3>\n\n\n\n
\n \u2713 \ub2e4\uc2dc \uc313\uc740 \uc2e0\uc6a9 \uae30\ub85d<\/strong>
\n \ud30c\uc0b0 \ud6c4 \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc544\uc608 \uc4f0\uc9c0 \uc54a\ub294 \uac83\uc740 \uc88b\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubcf4\uc99d\uae08 \ub2f4\ubcf4 \uce74\ub4dc \ub4f1\uc744 \ubc1c\uae09\ubc1b\uc544 \uc18c\uc561\uc744 \uc4f0\uace0 \uac1a\ub294 \uae30\ub85d\uc744 \uafb8\uc900\ud788 \ub0a8\uaca8\uc57c \uc810\uc218\uac00 \ube60\ub974\uac8c \ud68c\ubcf5\ub429\ub2c8\ub2e4. \ucd5c\uc18c 2~3\uac1c\uc758 \ud65c\uc131 \uacc4\uc88c\ub97c \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.
\n<\/div>\n\n\n\n
\n \u2713 \uc644\ubcbd\ud55c \ud398\uc774\uba3c\ud2b8 \uae30\ub85d \uc720\uc9c0<\/strong>
\n \uac00\uc7a5 \uc911\uc694\ud55c \ud56d\ubaa9\uc785\ub2c8\ub2e4. \ud30c\uc0b0 \uc774\ud6c4\uc5d0 \ubc1c\uc0dd\ud55c \uacf5\uacfc\uae08, \ub80c\ud2b8\ube44, \uc790\ub3d9\ucc28 \ud560\ubd80\uae08 \ub4f1\uc5d0\uc11c \ub2e8 \ud55c \ubc88\uc758 \uc5f0\uccb4\ub3c4 \uc5c6\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ud30c\uc0b0 \ud6c4\uc758 \uc5f0\uccb4\ub294 \ub80c\ub354\uc5d0\uac8c \uce58\uba85\uc801\uc778 \uac10\uc810 \uc694\uc778\uc774\uba70, \ud68c\ubcf5\ub41c \uc2e0\ub8b0\ub97c \ub2e4\uc2dc \ubb34\ub108\ub728\ub9ac\ub294 \ud589\ub3d9\uc785\ub2c8\ub2e4.
\n<\/div>\n\n\n\n
\n \u2713 \uc9c4\uc815\uc131 \uc788\ub294 \uc0ac\uc720\uc11c<\/strong>
\n \uc65c \ud30c\uc0b0\uc5d0 \uc774\ub974\uac8c \ub418\uc5c8\ub294\uc9c0 \uc124\uba85\ud558\ub294 \ud3b8\uc9c0\ub97c \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4. \uc758\ub8cc\ube44 \uc9c0\ucd9c, \uc2e4\uc9c1, \uc774\ud63c \ub4f1 \ubd88\uac00\ud53c\ud55c \uc0ac\uc720\uac00 \uc788\uc5c8\ub2e4\uba74 \uc774\ub97c \uba85\ud655\ud788 \ubc1d\ud788\uace0, \uc9c0\uae08\uc740 \uc0c1\ud669\uc774 \uc5b4\ub5bb\uac8c \uac1c\uc120\ub418\uc5c8\ub294\uc9c0\ub97c \uc5b4\ud544\ud574\uc57c \ud569\ub2c8\ub2e4. \uc798 \uc791\uc131\ub41c \uc0ac\uc720\uc11c\ub294 \uc5b8\ub354\ub77c\uc774\ud130\uc5d0\uac8c \uae0d\uc815\uc801\uc73c\ub85c \ubc18\uc601\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
\n<\/div>\n\n\n\n

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

\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/strong><\/h2>\n\n\n\n
\n Q1. \ucd08\uae30 \ube44\uc6a9 \ubd80\ub2f4\uc774 \ud06c\uc9c0 \uc54a\ub098\uc694? <\/strong>\n
\n \uc55e\uc11c \uc124\uba85\ub4dc\ub9b0 \ub300\ub85c \uac10\uc815\ube44\ub098 \ub4f1\uae30\ube44 \uac19\uc740 \ud544\uc218 \ube44\uc6a9\uc740 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.
\ud558\uc9c0\ub9cc Loaning.ai\uc758 \ub80c\ub354 \ud06c\ub808\ub527 \uc815\ucc45\uc744 \ud65c\uc6a9\ud558\uba74 \ucd08\uae30 \ube44\uc6a9 \ubd80\ub2f4\uc744 \ucd5c\uc18c\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub9ce\uc740 \uace0\uac1d\ub2d8\uc774 \uc2e4\ubd80\ub2f4\uae08 \uc5c6\ub294 No Out-of-Pocket \uc635\uc158\uc73c\ub85c \uc720\ub3d9\uc131\uc744 \ud655\ubcf4\ud558\uace0 \uacc4\uc2ed\ub2c8\ub2e4.\n
\n<\/div>\n\n\n\n
\n Q2. \uc778\ucd9c\ud55c \uc790\uae08\uc758 \uc6a9\ub3c4 \uc81c\ud55c\uc774\ub098 \uc138\uae08 \ubb38\uc81c\ub294 \uc5c6\ub098\uc694? <\/strong>\n
\n\uc778\ucd9c\ud55c \ud604\uae08\uc758 \uc0ac\uc6a9\ucc98\uc5d0\ub294 \uc81c\ud55c\uc774 \uc5c6\uc2b5\ub2c8\ub2e4. \uc8fc\ud0dd \uac1c\ubcf4\uc218, \ud559\uc790\uae08, \uc0ac\uc5c5 \ud22c\uc790 \ub4f1 \uc790\uc720\ub86d\uac8c \uc0ac\uc6a9 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub610\ud55c, \uc774\ub807\uac8c \ud655\ubcf4\ud55c \uc790\uae08\uc740 \uc138\ubc95\uc0c1 \uc18c\ub4dd\uc774 \uc544\ub2cc \ubd80\ucc44\ub85c \ubd84\ub958\ub418\ubbc0\ub85c, \uc77c\ubc18\uc801\uc73c\ub85c \uc18c\ub4dd\uc138 \uacfc\uc138 \ub300\uc0c1\uc5d0 \ud3ec\ud568\ub418\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc810\uc774 \ud070 \uc138\ubb34\uc801 \uc774\uc810\uc785\ub2c8\ub2e4.
(\ub2e8, \uad6c\uccb4\uc801\uc778 \uc138\ubb34 \ucc98\ub9ac\ub294 \ud68c\uacc4 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.)\n
\n<\/div>\n\n\n\n
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