{"id":14210,"date":"2026-03-21T18:26:26","date_gmt":"2026-03-21T09:26:26","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=14210"},"modified":"2026-03-21T18:26:26","modified_gmt":"2026-03-21T09:26:26","slug":"%eb%af%b8%ea%b5%ad-%eb%b6%80%eb%8f%99%ec%82%b0-%ec%84%b8%ea%b8%88-%ea%b0%80%ec%9d%b4%eb%93%9c-%ec%a3%bc%ed%83%9d-%eb%a7%a4%ea%b0%81-%ec%96%91%eb%8f%84%ec%86%8c%eb%93%9d%ec%84%b8-%eb%a9%b4%ec%a0%9c","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/14210\/","title":{"rendered":"\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uc138\uae08 \uac00\uc774\ub4dc : \uc8fc\ud0dd \ub9e4\uac01 \uc591\ub3c4\uc18c\ub4dd\uc138 \uba74\uc81c \ud61c\ud0dd"},"content":{"rendered":"\n<p>\uc0b4\ub358 \uc9d1\uc744 \ud314\uace0 \uc774\uc0ac \uac08 \ub54c, \ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uc138\uae08 \uace0\ubbfc\ubd80\ud130 \ud558\uc168\ub358 \uacbd\ud5d8 \uc788\uc73c\uc2e0\uac00\uc694? <br>\uc218\uc5b5 \uc6d0\ub300 \uc774\uc775\uc774 \uc0dd\uaca8\ub3c4 \uc138\uae08 \ud55c \ud47c \uc548 \ub0bc \uc218 \uc788\ub294 \ubc29\ubc95\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\ub85c \uc8fc\ud0dd \ub9e4\uac01 \uc591\ub3c4\uc18c\ub4dd\uc138 \uba74\uc81c \ud61c\ud0dd\uc778 \uc8fc \uac70\uc8fc\uc9c0 \ube44\uacfc\uc138 \uaddc\uc815\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \uaf64 \uc5c4\uccad\ub09c\ub370\uc694, \uc2f1\uae00\uc774\ub77c\uba74 $250,000, \ubd80\ubd80 \ud569\uc0b0 \uc2dc \ucd5c\ub300 $500,000\uae4c\uc9c0 \ub9e4\uac01 \uc774\uc775\uc5d0 \ub300\ud574 \uc138\uae08\uc744 \ub0b4\uc9c0 \uc54a\uc544\ub3c4 \ub429\ub2c8\ub2e4. \ub9c9\ub300\ud55c \uc774\uc775\uc744 \uc628\uc804\ud788 \ub0b4 \uc8fc\uba38\ub2c8\uc5d0 \ub123\uc744 \uc218 \uc788\ub294 \uc774 \uc720\uc6a9\ud55c \uc81c\ub3c4, Loaning.ai\uc640 \ud568\uaed8 \uc54c\uc544 \ubcfc\uae4c\uc694?<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"542\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/2026_\ubbf8\uad6d-\ubd80\ub3d9\uc0b0-\uc138\uae08-\uac00\uc774\ub4dc2.png\" alt=\"\" class=\"wp-image-14212\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/2026_\ubbf8\uad6d-\ubd80\ub3d9\uc0b0-\uc138\uae08-\uac00\uc774\ub4dc2.png 1020w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/2026_\ubbf8\uad6d-\ubd80\ub3d9\uc0b0-\uc138\uae08-\uac00\uc774\ub4dc2-300x159.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/2026_\ubbf8\uad6d-\ubd80\ub3d9\uc0b0-\uc138\uae08-\uac00\uc774\ub4dc2-768x408.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/2026_\ubbf8\uad6d-\ubd80\ub3d9\uc0b0-\uc138\uae08-\uac00\uc774\ub4dc2-750x399.png 750w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/figure>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934\">.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubd80\ub3d9\uc0b0-\uc138\uae08-\ud61c\ud0dd\uc758-\ucd5c\uace0\ubd09-\uc8fc\uac70\uc8fc\uc9c0-\uc591\ub3c4\uc18c\ub4dd\uc138-\uba74\uc81c-\uc81c\ub3c4\uac00-\uc815\ud655\ud788-\ubb54\uac00\uc694\" style=\"font-size:24px\"><strong>\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uc138\uae08 \ud61c\ud0dd\uc758 \ucd5c\uace0\ubd09, \uc8fc\uac70\uc8fc\uc9c0 \uc591\ub3c4\uc18c\ub4dd\uc138 \uba74\uc81c \uc81c\ub3c4\uac00 \uc815\ud655\ud788 \ubb54\uac00\uc694?<\/strong><\/h2>\n\n\n\n<p>\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uc138\uae08 \uba74\uc81c, \ub3c4\ub300\uccb4 \uc5b4\ub5bb\uac8c \uac00\ub2a5\ud55c \uac78\uae4c\uc694?<\/p>\n\n\n\n<p>\uadf8 \ube44\ubc00\uc740 \uc8fc\uac70\uc8fc\uc9c0 \uc591\ub3c4\uc18c\ub4dd\uc138 \uba74\uc81c \uc81c\ub3c4(Primary Residence Exclusion)\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc81c\ub3c4\ub294 \uac1c\uc778\uc774 \ubcf8\uc778\uc758 \uc8fc \uac70\uc8fc\uc9c0\ub97c \ub9e4\uac01\ud560 \ub54c \uadf8 \uc8fc\ud0dd\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc591\ub3c4\ucc28\uc775\uc5d0 \ub300\ud574 \uc77c\uc815 \uae08\uc561\uae4c\uc9c0 \uc138\uae08\uc744 \uba74\uc81c\ud574 \uc8fc\ub294 \uc81c\ub3c4\uc778\ub370\uc694. \ubbf8\uad6d \uc138\ubc95\uc0c1 \uac00\uc7a5 \ud070 \uc138\uae08 \ud61c\ud0dd\uc73c\ub85c\ub3c4 \uaf3d\ud799\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uba74\uc81c \ud55c\ub3c4\ub294 \uc138\uae08 \ubcf4\uace0 \uc0c1\ud0dc\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc2f1\uae00\uc778 \uacbd\uc6b0 \ucd5c\ub300 $250,000, \ubd80\ubd80 \uacf5\ub3d9\uc778 \uacbd\uc6b0 \ucd5c\ub300 $500,000\uae4c\uc9c0 \uc591\ub3c4\uc18c\ub4dd\uc138\ub97c \uc804\uc561 \uacf5\uc81c\ubc1b\uc2b5\ub2c8\ub2e4. \ub9e4\uac01 \uc9c1\uc804 5\ub144 \uc911 2\ub144 \uc774\uc0c1\uc744 \ud574\ub2f9 \uc8fc\ud0dd\uc5d0\uc11c \uc18c\uc720\ud558\uace0 \uac70\uc8fc\ud588\ub2e4\uba74 \uc0ac\uc2e4\uc0c1 \uc218\uc5b5 \uc6d0\uc758 \ucc28\uc775\uc744 \uadf8\ub300\ub85c \ucc59\uae30\uc2e4 \uc218 \uc788\uc5b4\uc694! \u2728<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934\">.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubd80\ub3d9\uc0b0-\uc138\uae08-\uba74\uc81c-\uc2dc-\ud544\uc218-\uccb4\ud06c\uc0ac\ud56d\" style=\"font-size:24px\"><strong>\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uc138\uae08 \uba74\uc81c \uc2dc \ud544\uc218 \uccb4\ud06c\uc0ac\ud56d<\/strong><\/h2>\n\n\n\n<p>\ubd80\ubd80\uac00 \ud569\uc0b0\ud558\uc5ec $500,000 \ud61c\ud0dd\uc744 \uc628\uc804\ud788 \ubc1b\uc73c\ub824\uba74 \uc18c\uc720\uad8c\uacfc \uac70\uc8fc \uc694\uac74\uc744 \uba85\ud655\ud788 \uad6c\ubd84\ud558\uc5ec \ub530\uc838\ubcf4\uc154\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"\n    background-color:#F8F9FA;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:15px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong style=\"display:block; margin-bottom:12px; font-size:16px; color:#2C3E50;\">\ud83c\udfe0 \ubd80\ubd80 \uacf5\ub3d9 \ubcf4\uace0 \uc2dc \uc591\ub3c4\uc138 \uba74\uc81c \uc694\uac74 (Ownership &#038; Use Test)<\/strong>\n    <ul style=\"margin: 0; padding-left: 20px;\">\n        <li style=\"margin-bottom: 8px;\">\n            <strong>\uc18c\uc720 \uc694\uac74(Ownership):<\/strong> \ubd80\ubd80 \uc911 <strong>\ud55c \uc0ac\ub78c\ub9cc<\/strong> \ud574\ub2f9 \uc8fc\ud0dd\uc744 2\ub144 \uc774\uc0c1 \uc18c\uc720\ud588\uc5b4\ub3c4 \uc694\uac74\uc774 \ucda9\uc871\ub429\ub2c8\ub2e4.\n        <\/li>\n        <li>\n            <strong>\uac70\uc8fc \uc694\uac74(Use):<\/strong> \ubd80\ubd80 <strong>\ub450 \uc0ac\ub78c \ubaa8\ub450<\/strong> \ucd5c\uadfc 5\ub144 \uc911 \ucd5c\uc18c 2\ub144 \uc774\uc0c1\uc744 \ud574\ub2f9 \uc8fc\ud0dd\uc5d0\uc11c \uc8fc \uac70\uc8fc\uc9c0\ub85c \uc0b4\uc558\uc5b4\uc57c \ud569\ub2c8\ub2e4.\n        <\/li>\n    <\/ul>\n<\/div>\n\n\n\n<p>\ubc30\uc6b0\uc790 \uc911 \ud55c \uba85\ub9cc \uac70\uc8fc \uc694\uac74\uc744 \ucc44\uc6e0\ub2e4\uba74 \uac1c\uc778 \ubaab\uc778 $250,000\uae4c\uc9c0\ub9cc \ube44\uacfc\uc138\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uacb0\ud63c \ud6c4 \uc8fc\uac70\uc9c0\ub97c \ud569\uce5c \uacbd\uc6b0 \ub450 \uc0ac\ub78c\uc758 \uac70\uc8fc \uae30\uac04\uc744 \uac01\uac01 \uaf3c\uaf3c\ud788 \uc810\uac80\ud574 \ubcf4\uc138\uc694.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934\">.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubd80\ub3d9\uc0b0-\uc138\uae08-\uc904\uc774\ub294-\ud575\uc2ec-2-out-of-5\ub8f0\" style=\"font-size:18px\"><strong>\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uc138\uae08 \uc904\uc774\ub294 \ud575\uc2ec, 2-out-of-5\ub8f0<\/strong><\/h3>\n\n\n\n<p>\uac70\uc8fc \uae30\uac04 2\ub144\uc740 \ud55c \ubc88\ub3c4 \uc548 \uc26c\uace0 \uc5f0\uc18d\uc73c\ub85c \uc0b4\uc544\uc57c\ub9cc \uc778\uc815\ub418\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub9e4\uac01 \uc9c1\uc804 5\ub144, \uc989 1,825\uc77c \uc911\uc5d0\uc11c \ucd1d 24\uac1c\uc6d4(730\uc77c)\uc774\uc0c1\ub9cc \ud574\ub2f9 \uc9d1\uc5d0 \uc0b4\uc558\ub2e4\uba74 \ud769\uc5b4\uc9c4 \uae30\uac04\uc744 \ubaa8\ub450 \ub354\ud574\uc11c \ud61c\ud0dd\uc744 \uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc9d1\uc744 \uc0ac\uc11c 1\ub144\uc744 \uc0b4\ub2e4\uac00 \ud0c0 \uc9c0\uc5ed \ud30c\uacac\uc73c\ub85c 2\ub144\uac04 \uc138\ub97c \uc900 \ub4a4 \ub2e4\uc2dc \ub3cc\uc544\uc640 1\ub144\uc744 \ub354 \uc0b4\uc558\ub2e4\uba74 \ucd1d 2\ub144 \uc2e4\uac70\uc8fc \uc694\uac74\uc744 \uac70\ub72c\ud788 \ucc44\uc6b0\uac8c \ub418\ub294 \uac70\uc8e0. \uc774\uc8fc\uac00 \uc7a6\uc740 \uc9c1\uad70 \uc885\uc0ac\uc790\ub77c\ub3c4 \uc2dc\uc810\ub9cc \uc804\ub7b5\uc801\uc73c\ub85c \uc798 \ub9de\ucd94\uba74 \uc804\uc561 \ub610\ub294 \uc0c1\ub2f9 \ubd80\ubd84\uc758 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934\">.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\uc8fc\uac70\uc9c0-\uc591\ub3c4\uc18c\ub4dd\uc138-\uba74\uc81c-\uc81c\ub3c4-\ubd80\ub4dd\uc774\ud55c-\uc0ac\uc720\ub85c-\uc778\ud55c-\uc608\uc678-\uc870\ud56d\" style=\"font-size:18px\"><strong>\uc8fc\uac70\uc9c0 \uc591\ub3c4\uc18c\ub4dd\uc138 \uba74\uc81c \uc81c\ub3c4 : \ubd80\ub4dd\uc774\ud55c \uc0ac\uc720\ub85c \uc778\ud55c \uc608\uc678 \uc870\ud56d<\/strong><\/h3>\n\n\n\n<p>\ud639\uc2dc \uc2e4\uac70\uc8fc 2\ub144\uc744 \ucc44\uc6b0\uc9c0 \ubabb\ud558\uc168\ub098\uc694? \ub9cc\uc57d \uadf8 \uc774\uc720\uac00 \ud53c\uce58 \ubabb\ud560 \uc0ac\uc815\uc774\uc5c8\uace0 \u2018\uc815\ub2f9\ud55c \uc0ac\uc720\u2019\ub85c \uc778\uc815\uc744 \ubc1b\uc558\ub2e4\uba74, \uc2e4\uc81c \uac70\uc8fc\ud55c \uac1c\uc6d4 \uc218\uc5d0 \ube44\ub840\ud558\uc5ec \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"\n    background-color:#F8F9FA;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:15px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong style=\"display:block; margin-bottom:12px; font-size:16px; color:#2C3E50;\">\ud83d\udca1 2\ub144 \uac70\uc8fc \uc694\uac74 \ubbf8\ucda9\uc871 \uc2dc \uc608\uc678 \uc778\uc815 \uc0ac\uc720<\/strong>\n    <ul style=\"margin: 0; padding-left: 20px;\">\n        <li style=\"margin-bottom: 8px;\">\n            <strong>\uc9c1\uc7a5 \uc774\uc804 :<\/strong> \uc0c8\ub85c\uc6b4 \uc9c1\uc7a5\uc774 \uae30\uc874 \uc8fc\ud0dd\uc73c\ub85c\ubd80\ud130 <strong>50\ub9c8\uc77c \uc774\uc0c1<\/strong> \ub5a8\uc5b4\uc838 \uc788\uc5b4 \uc774\uc0ac\uac00 \ubd88\uac00\ud53c\ud55c \uacbd\uc6b0 \uc815\ub2f9\ud55c \uc0ac\uc720\ub85c \uc778\uc815\ub429\ub2c8\ub2e4.\n        <\/li>\n        <li>\n            <strong>\uac74\uac15 \uc545\ud654 :<\/strong> \ubcf8\uc778 \ub610\ub294 \uac00\uc871\uc758 \uc911\ub300\ud55c \uc9c8\ubcd1 \uce58\ub8cc \ubc0f \uc804\ubb38\uc801\uc778 \uac04\ud638 \ub4f1 <strong>\uc758\ud559\uc801 \ud544\uc694\uc131<\/strong>\uc5d0 \uc758\ud574 \uc8fc\uac70\uc9c0\ub97c \uc62e\uaca8\uc57c \ud558\ub294 \uc0c1\ud669\ub3c4 \ud3ec\ud568\ub429\ub2c8\ub2e4.\n        <\/li>\n    <\/ul>\n<\/div>\n\n\n\n<p>\uc774\uc678\uc5d0\ub3c4 \ub2e4\uc790\ub140 \ucd9c\uc0b0\uc774\ub098 \uc774\ud63c \ub4f1 \uc608\uc0c1\uce58 \ubabb\ud55c \uc0b6\uc758 \ubcc0\ud654\uac00 \uc0dd\uacbc\uc744 \ub54c \uacfc\ub3c4\ud55c \uacfc\uc138\ub97c \ud53c\ud560 \uc218 \uc788\ub294 \uad6c\uc81c\ucc45\uc774 \uc138\uc2ec\ud558\uac8c \ub9c8\ub828\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934\">.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-primary-residence-exclusion-\uc2e4\uac70\uc8fc-\uc99d\ube59-\uc11c\ub958\" style=\"font-size:24px\"><strong>Primary Residence Exclusion \uc2e4\uac70\uc8fc \uc99d\ube59 \uc11c\ub958<\/strong><\/h2>\n\n\n\n<p>\ubbf8\uad6d \uacfc\uc138 \ub2f9\uad6d\uc740 \uc2e0\uccad\uc790\uac00 \uc2e4\uc81c \uadf8 \uc9d1\uc5d0\uc11c \uc0b4\uc558\ub294\uc9c0\ub97c \ub9e4\uc6b0 \uae50\uae50\ud558\uac8c \ub4e4\uc5ec\ub2e4 \ubd05\ub2c8\ub2e4. \uc804\uae30 \uc694\uae08 \ub0a9\ubd80 \ub0b4\uc5ed, \uc2e0\uc6a9\uce74\ub4dc \uacb0\uc81c \uc8fc\uc18c\uc9c0, \uc790\ub140 \uc804\ud559 \uae30\ub85d \ub4f1 \uc0dd\ud65c \uadfc\uac70\uc9c0\ub97c \uc99d\uba85\ud560 \ubb38\uc11c\ub97c \ucd5c\uc18c 5\ub144\uac04\uc740 \uc798 \ubaa8\uc544 \ub450\uc154\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"width: 100%; margin: 30px 0; border: 2px solid #C8E6C9; border-radius: 15px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.05); font-family: 'Pretendard', -apple-system, sans-serif; box-sizing: border-box;\">\n    <div style=\"width: 100%; overflow-x: auto;\">\n        <table style=\"width: 100%; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none; min-width: 750px;\">\n            <thead>\n                <tr>\n                    <th style=\"width: 18%; background-color: #E8F5E9; color: #444; font-weight: 700; padding: 15px 10px; text-align: center; border-bottom: 1px solid #C8E6C9; border-right: 1px solid #C8E6C9; font-size: 15px;\">\uce74\ud14c\uace0\ub9ac<\/th>\n                    <th style=\"width: 52%; background-color: #E8F5E9; color: #444; font-weight: 700; padding: 15px 15px; text-align: left; border-bottom: 1px solid #C8E6C9; border-right: 1px solid #C8E6C9; font-size: 15px;\">\ud544\uc218 \uc99d\ube59 \uc11c\ub958 (Checklist)<\/th>\n                    <th style=\"width: 20%; background-color: #E8F5E9; color: #444; font-weight: 700; padding: 15px 15px; text-align: center; border-bottom: 1px solid #C8E6C9; border-right: 1px solid #C8E6C9; font-size: 15px;\">\uc99d\ube59 \uac15\ub3c4<\/th>\n                    <th style=\"width: 10%; background-color: #E8F5E9; color: #444; font-weight: 700; padding: 15px 5px; text-align: center; border-bottom: 1px solid #C8E6C9; font-size: 15px;\">\ud655\uc778<\/th>\n                <\/tr>\n            <\/thead>\n            <tbody>\n                <tr>\n                    <td style=\"text-align: center; padding: 20px 10px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #333; font-size: 14px; font-weight: 700;\">\uc8fc\uc18c \uc99d\ube59<\/td>\n                    <td style=\"padding: 15px 15px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #444; font-size: 13px; line-height: 1.8; text-align: left;\">\n                        \u2022 \uacf5\uacfc\uae08 \uccad\uad6c\uc11c (\uc804\uae30\u00b7\uac00\uc2a4\u00b7\uc218\ub3c4\u00b7\uc778\ud130\ub137)<br>\n                        \u2022 Driver\u2019s License \/ State ID (\uc8fc\uc18c \ubcc0\uacbd \uc774\ub825)<br>\n                        \u2022 Voter Registration \uae30\ub85d<br>\n                        \u2022 \uc774\uc804 \uc5f0\ub3c4 Form 1040 \uc8fc\uc18c\uc9c0\n                    <\/td>\n                    <td style=\"text-align: center; padding: 15px 15px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #666; font-size: 13px;\">\u2605\u2605\u2605\u2605\u2605<\/td>\n                    <td style=\"text-align: center; padding: 15px 5px; border-bottom: 1px solid #f0f0f0;\"><input type=\"checkbox\" style=\"width: 18px; height: 18px; accent-color: #2E7D32;\"><\/td>\n                <\/tr>\n                <tr>\n                    <td style=\"text-align: center; padding: 20px 10px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #333; font-size: 14px; font-weight: 700;\">\ube44\uc6a9\u00b7\uc138\uae08 \uc99d\ube59<\/td>\n                    <td style=\"padding: 15px 15px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #444; font-size: 13px; line-height: 1.8; text-align: left;\">\n                        \u2022 \uad00\ub9ac\ube44\/HOA \ub0a9\ubd80 \ub0b4\uc5ed\uc11c<br>\n                        \u2022 \uc7ac\uc0b0\uc138 \uace0\uc9c0\uc11c<br>\n                        \u2022 \u25b3 \ucde8\ub4dd\uc138\ub294 \uc81c\uc678 (\ud544\uc694 \uc5c6\uc74c)<br>\n                        \u2022 Homeowners Insurance \uc99d\uad8c<br>\n                        \u2022 Mortgage Interest Statement (Form 1098)\n                    <\/td>\n                    <td style=\"text-align: center; padding: 15px 15px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #666; font-size: 13px;\">\u2605\u2605\u2605\u2605<\/td>\n                    <td style=\"text-align: center; padding: 15px 5px; border-bottom: 1px solid #f0f0f0;\"><input type=\"checkbox\" style=\"width: 18px; height: 18px; accent-color: #2E7D32;\"><\/td>\n                <\/tr>\n                <tr>\n                    <td style=\"text-align: center; padding: 20px 10px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #333; font-size: 14px; font-weight: 700;\">\uae08\uc735\u00b7\uac70\ub798 \uc99d\ube59<\/td>\n                    <td style=\"padding: 15px 15px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #444; font-size: 13px; line-height: 1.8; text-align: left;\">\n                        \u2022 \uce74\ub4dc\/\uc740\ud589 \uac70\ub798 \ub0b4\uc5ed (\uc8fc\uc18c\uc9c0 \uc0ac\uc6a9 \uae30\ub85d)<br>\n                        \u2022 Bank statements (\uc6b0\ud3b8\uc73c\ub85c \ubc1b\uc740 \uac83)\n                    <\/td>\n                    <td style=\"text-align: center; padding: 15px 15px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #666; font-size: 13px;\">\u2605\u2605\u2605<\/td>\n                    <td style=\"text-align: center; padding: 15px 5px; border-bottom: 1px solid #f0f0f0;\"><input type=\"checkbox\" style=\"width: 18px; height: 18px; accent-color: #2E7D32;\"><\/td>\n                <\/tr>\n                <tr>\n                    <td style=\"text-align: center; padding: 20px 10px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #333; font-size: 14px; font-weight: 700;\">\uac00\uc871\u00b7\ud559\uad50 \uc99d\ube59<\/td>\n                    <td style=\"padding: 15px 15px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #444; font-size: 13px; line-height: 1.8; text-align: left;\">\n                        \u2022 \uc790\ub140 \uc7ac\ud559 \uc99d\uba85\uc11c (\ud559\uad50 \uae30\ub85d)<br>\n                        \u2022 \uc758\ub8cc \uae30\ub85d (\ubcd1\uc6d0\u00b7\uc57d\uad6d \uc601\uc218\uc99d)\n                    <\/td>\n                    <td style=\"text-align: center; padding: 15px 15px; border-bottom: 1px solid #f0f0f0; border-right: 1px solid #f0f0f0; color: #666; font-size: 13px;\">\u2605\u2605\u2605\u2605\u2605<\/td>\n                    <td style=\"text-align: center; padding: 15px 5px; border-bottom: 1px solid #f0f0f0;\"><input type=\"checkbox\" style=\"width: 18px; height: 18px; accent-color: #2E7D32;\"><\/td>\n                <\/tr>\n                <tr>\n                    <td style=\"text-align: center; padding: 20px 10px; border-bottom: none; border-right: 1px solid #f0f0f0; color: #333; font-size: 14px; font-weight: 700;\">\ud55c\uad6d \uc11c\ub958<\/td>\n                    <td style=\"padding: 15px 15px; border-bottom: none; border-right: 1px solid #f0f0f0; color: #444; font-size: 13px; line-height: 1.8; text-align: left;\">\n                        \u2022 \u25b3 \uc8fc\ubbfc\ub4f1\ub85d \uc804\uc785\/\uc804\ucd9c \uae30\ub85d \u2192 IRS\uc5d0\ub294 \uc81c\ucd9c\u00b7\ubcf4\uad00 \ubd88\ud544\uc694\n                    <\/td>\n                    <td style=\"text-align: center; padding: 15px 15px; border-bottom: none; border-right: 1px solid #f0f0f0; color: #666; font-size: 13px;\">&#8211;<\/td>\n                    <td style=\"text-align: center; padding: 15px 5px; border-bottom: none;\"><input type=\"checkbox\" style=\"width: 18px; height: 18px; accent-color: #2E7D32;\"><\/td>\n                <\/tr>\n            <\/tbody>\n        <\/table>\n    <\/div>\n<\/div>\n\n\n\n<p>\uc9d1\uc744 \uc218\ub9ac\ud55c \ube44\uc6a9\ub3c4 \uc138\uae08\uc744 \uc904\uc774\ub294 \ud6cc\ub96d\ud55c \ubb34\uae30\uac00 \ub429\ub2c8\ub2e4. \uc9c0\ubd95 \uad50\uccb4\ub098 \uc8fc\ubc29 \uc804\uba74 \uac1c\uc870 \ub4f1 \uc9d1\uc758 \uac00\uce58\ub97c \uc601\uad6c\uc801\uc73c\ub85c \ub192\uc778 \uacf5\uc0ac \ube44\uc6a9\uc740 \ucde8\ub4dd \uc6d0\uac00\uc5d0 \ub354\ud574\uc838 \uc591\ub3c4 \ucc28\uc775\uc744 \ub300\ud3ed \uc904\uc5ec \uc90d\ub2c8\ub2e4. \uc601\uc218\uc99d\uacfc \uacf5\uc0ac \uc804\ud6c4 \uc0ac\uc9c4\uc744 \ub514\uc9c0\ud138 \ud30c\uc77c\ub85c \uc601\uad6c \ubcf4\uad00\ud558\uc2dc\ub294 \uac83\ub3c4 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><em>(\u203b \ucd9c\ucc98 : IRS Publication 523 (2025) \ubc0f \uc2e4\uc81c IRS \uac10\uc0ac \uae30\uc900 (facts and circumstances test))<\/em><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934\">.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\uc138\uae08-\ubcf4\uace0-\ubc0f-\uc2e0\uccad-\uc808\ucc28\" style=\"font-size:18px\"><strong>\uc138\uae08 \ubcf4\uace0 \ubc0f \uc2e0\uccad \uc808\ucc28<\/strong><\/h3>\n\n\n\n<p>\ubbf8\uad6d \uc8fc\ud0dd \ub9e4\uac01 \uc591\ub3c4\uc18c\ub4dd\uc138 \uba74\uc81c \ud61c\ud0dd\uc740 \ubcc4\ub3c4\uc758 \uc2e0\uccad\uc744 \uac70\uce58\uc9c0 \uc54a\uace0, \uc5f0\uac04 \uc18c\ub4dd\uc138 \uc2e0\uace0\uc11c(Form 1040) \uc0c1\uc5d0 \uad00\ub828 \uc11c\uc2dd\ub4e4\uc744 \ucca8\ubd80\ud558\uc5ec \uc2a4\uc2a4\ub85c \uc99d\uba85\ud574\uc57c \ud569\ub2c8\ub2e4.<br>\uc544\ub798 5\ub2e8\uacc4\ub97c \ub530\ub77c \ucc28\uadfc\ucc28\uadfc \uc900\ube44\ud574 \ubcf4\uc138\uc694. \ud83e\udd13<\/p>\n\n\n\n<div style=\"\n    background-color:#F1F7FF;\n    border-radius:16px;\n    padding:20px 24px;\n    margin:16px 0;\n    font-size:15px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong style=\"display:block; margin-bottom:18px; font-size:17px; color:#2C3E50;\">\ud83c\udfe0 \uc8fc\ud0dd \ub9e4\uac01 \uc218\uc775 \uc138\ubb34 \ubcf4\uace0 \uc808\ucc28<\/strong>\n    \n    <div style=\"display: flex; flex-direction: column; gap: 14px;\">\n        <div style=\"display: flex; align-items: flex-start;\">\n            <span style=\"background-color:#007BFF; color:white; border-radius:50%; width:18px; height:18px; display:flex; align-items:center; justify-content:center; font-size:11px; margin-top:4px; margin-right:10px; flex-shrink:0; font-weight:bold;\">1<\/span>\n            <div>\n                <strong>\uc591\ub3c4\ucc28\uc775 \uacc4\uc0b0<\/strong><br>\n                <span style=\"color:#555; font-size:14px;\">\ud310\ub9e4\uac00\uc5d0\uc11c \ud310\ub9e4 \ube44\uc6a9\uacfc \uc8fc\ud0dd \ucde8\ub4dd \uc6d0\uac00(Adjusted Basis)\ub97c \ucc28\uac10\ud558\uc5ec \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/span>\n            <\/div>\n        <\/div>\n\n        <div style=\"display: flex; align-items: flex-start;\">\n            <span style=\"background-color:#007BFF; color:white; border-radius:50%; width:18px; height:18px; display:flex; align-items:center; justify-content:center; font-size:11px; margin-top:4px; margin-right:10px; flex-shrink:0; font-weight:bold;\">2<\/span>\n            <div>\n                <strong>Form 8949 \uc791\uc131<\/strong><br>\n                <span style=\"color:#555; font-size:14px;\">\ub9e4\uac01 \uc815\ubcf4\ub97c \uae30\uc785\ud558\uace0, \uba74\uc81c \ub300\uc0c1\uc778 \uacbd\uc6b0 \ucf54\ub4dc &#8216;EH&#8217;\ub97c \uc785\ub825\ud558\uc5ec \uc81c\uc678 \uae08\uc561\uc744 \ud45c\uc2dc\ud569\ub2c8\ub2e4.<\/span>\n            <\/div>\n        <\/div>\n\n        <div style=\"display: flex; align-items: flex-start;\">\n            <span style=\"background-color:#007BFF; color:white; border-radius:50%; width:18px; height:18px; display:flex; align-items:center; justify-content:center; font-size:11px; margin-top:4px; margin-right:10px; flex-shrink:0; font-weight:bold;\">3<\/span>\n            <div>\n                <strong>Schedule D \uc774\uc6d4<\/strong><br>\n                <span style=\"color:#555; font-size:14px;\">Form 8949\uc5d0\uc11c \uacc4\uc0b0\ub41c \ud569\uacc4 \uae08\uc561\uc744 \uba54\uc778 \uc138\uae08 \ubcf4\uace0\uc11c(Form 1040)\ub85c \ubc18\uc601\ud569\ub2c8\ub2e4.<\/span>\n            <\/div>\n        <\/div>\n\n        <div style=\"display: flex; align-items: flex-start;\">\n            <span style=\"background-color:#007BFF; color:white; border-radius:50%; width:18px; height:18px; display:flex; align-items:center; justify-content:center; font-size:11px; margin-top:4px; margin-right:10px; flex-shrink:0; font-weight:bold;\">4<\/span>\n            <div>\n                <strong>\ucd94\uac00 \uc11c\ub958 \uc810\uac80<\/strong><br>\n                <span style=\"color:#555; font-size:14px;\">\ud648 \uc624\ud53c\uc2a4 \uac10\uac00\uc0c1\uac01 \ud658\uc218(Form 4797) \ub4f1 \uc0c1\ud669\uc5d0 \ub530\ub978 \ucd94\uac00 \uc591\uc2dd\uc744 \ud655\uc778\ud569\ub2c8\ub2e4.<\/span>\n            <\/div>\n        <\/div>\n\n        <div style=\"display: flex; align-items: flex-start;\">\n            <span style=\"background-color:#007BFF; color:white; border-radius:50%; width:18px; height:18px; display:flex; align-items:center; justify-content:center; font-size:11px; margin-top:4px; margin-right:10px; flex-shrink:0; font-weight:bold;\">5<\/span>\n            <div>\n                <strong>\ucd5c\uc885 \uc81c\ucd9c<\/strong><br>\n                <span style=\"color:#555; font-size:14px;\">\ud310\ub9e4 \ub2e4\uc74c \ud574 4\uc6d4 15\uc77c\uae4c\uc9c0 \uc138\ubb34 \uc18c\ud504\ud2b8\uc6e8\uc5b4 \ub610\ub294 \uc6b0\ud3b8\uc744 \ud1b5\ud574 \uc81c\ucd9c\ud569\ub2c8\ub2e4.<\/span>\n            <\/div>\n        <\/div>\n    <\/div>\n    \n    <div style=\"margin-top:15px; padding-top:10px; border-top:1px dashed #007BFF; font-size:13px; color:#D32F2F;\">\n        \u203b 1099-S\ub97c \ubc1b\uc558\ub2e4\uba74 \uc218\uc775\uc774 0\uc774\ub354\ub77c\ub3c4 \ubc18\ub4dc\uc2dc Form 8949\uc5d0 \ubcf4\uace0\ud574\uc57c \ud569\ub2c8\ub2e4.\n    <\/div>\n<\/div>\n\n\n\n<div style=\"\n    background-color:#F8F9FA;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:15px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong style=\"display:block; margin-bottom:12px; font-size:16px; color:#2C3E50;\">\ud83d\udca1 \ucc38\uace0 \uc0ac\ud56d<\/strong>\n    <ul style=\"margin: 0; padding-left: 20px;\">\n        <li style=\"margin-bottom: 8px;\">\n            <strong>\uc591\ub3c4 \ucc28\uc775 :<\/strong> \uc9d1\uc744 \ud310 \uae08\uc561 \uc804\uccb4\uac00 \uc544\ub2c8\ub77c, \ucc98\uc74c \uc9d1\uc744 \uc0b4 \ub54c \ub4e0 \ube44\uc6a9\uacfc \uc218\ub9ac\ube44 \ub4f1\uc744 \ube80 &#8216;\uc2e4\uc81c \uc21c\uc774\uc775&#8217;\ub9cc\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.\n        <\/li>\n        <li>\n            <strong>\ucf54\ub4dc EH :<\/strong> E\ub294 \uba74\uc81c(Exclusion)\uc744 \uc758\ubbf8\ud558\uace0 H\ub294 \uc8fc\ud0dd(Home) \ub9e4\uac01\uacfc \uad00\ub828\ub41c \uc0ac\ud56d\uc784\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/br> \n\uc138\uae08 \ubcf4\uace0 \uc2dc \uc774 \uc21c\uc774\uc775\uc5d0 \ub300\ud574 \uba74\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc73c\ub824\uba74, \ubcf4\uace0\uc11c(Form 8949)\uc5d0 \ubc18\ub4dc\uc2dc &#8216;\ucf54\ub4dc EH&#8217;\ub97c \uae30\uc785\ud558\uc5ec \ubcf8\uc778\uc774 \uba74\uc81c \ub300\uc0c1\uc784\uc744 \uacf5\uc2dd\uc801\uc73c\ub85c \uc54c\ub824\uc57c \ud569\ub2c8\ub2e4.\n        <\/li>\n    <\/ul>\n<\/div>\n\n\n\n<p class=\"has-small-font-size\"><em>(\u203b \ucd9c\ucc98 1 : IRS Publication 523 (2025) \u2013 Selling Your Home<\/em>)<br><em>(\u203b \ucd9c\ucc98 2 : Form 8949 Instructions (2025) \ubc0f Schedule D Instructions<\/em>)<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934\">.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ube44\uacfc\uc138-\ud61c\ud0dd-\ub611\ub611\ud558\uac8c-\ucc59\uaca8-\ubcf4\uc138\uc694-loaning-ai-\uac00-\ud568\uaed8\ud569\ub2c8\ub2e4\" style=\"font-size:24px\"><strong>\ube44\uacfc\uc138 \ud61c\ud0dd, \ub611\ub611\ud558\uac8c \ucc59\uaca8 \ubcf4\uc138\uc694<a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=geo_1st_exp&amp;utm_term=property_taxes&amp;utm_content=geo_1st_control_property_taxes_kr\"> Loaning.ai<\/a>\uac00 \ud568\uaed8\ud569\ub2c8\ub2e4.<\/strong><\/h2>\n\n\n\n<p>\uc218\uc5b5 \uc6d0\uc774 \uc624\uac00\ub294 \uc911\uc694\ud55c \uc8fc\ud0dd \ub9e4\uac01, \uc775\uc219\ud558\uc9c0 \uc54a\uc740 \uc804\ubb38 \uc6a9\uc5b4\uc640 \uc5b4\ub824\uc6b4 \uaddc\uc815 \ub54c\ubb38\uc5d0 \uace0\ubbfc\ud558\uc9c0 \ub9c8\uc138\uc694. <br><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=geo_1st_exp&amp;utm_term=property_taxes&amp;utm_content=geo_1st_control_property_taxes_kr\">Loaning.ai<\/a>\uac00 \ub193\uce58\uae30 \uc26c\uc6b4 \ud61c\ud0dd\uae4c\uc9c0 \uaf3c\uaf3c\ud788 \ucc59\uaca8 \uace0\uac1d\ub2d8\uc758 \uc18c\uc911\ud55c \uc790\uc0b0\uc744 \uc548\uc804\ud558\uac8c \uad00\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \uacc1\uc5d0\uc11c \ub3d5\uaca0\uc2b5\ub2c8\ub2e4.<\/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=geo_1st_exp&amp;utm_term=property_taxes&amp;utm_content=geo_1st_control_property_taxes_kr\"><img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"735\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/250312_homebuyguide_4view4-1.png\" alt=\"\" class=\"wp-image-14213\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/250312_homebuyguide_4view4-1.png 1020w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/250312_homebuyguide_4view4-1-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/250312_homebuyguide_4view4-1-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/250312_homebuyguide_4view4-1-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/03\/250312_homebuyguide_4view4-1-750x540.png 750w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/a><\/figure>\n\n\n\n<p>\ubbf8\uad6d \ub0b4 \ud55c\uc778 \uc804\uc6a9 \uc735\uc790 \uc804\ubb38 \uae30\uad00 \ub85c\ub2dd\uc740 \ub0af\uc124\uace0 \uae4c\ub2e4\ub85c\uc6b4 \uc138\ubb34\uc640 \ub300\ucd9c \uacfc\uc815\uc744 \ud3b8\uc548\ud55c \ud55c\uad6d\uc5b4\ub85c \uba85\ucf8c\ud558\uac8c \ud480\uc5b4\ub4dc\ub9bd\ub2c8\ub2e4. <br>\uc131\uacf5\uc801\uc778 \uc8fc\ud0dd \ub9e4\uac01\uacfc 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