{"id":7955,"date":"2025-04-07T18:35:37","date_gmt":"2025-04-07T09:35:37","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=7955"},"modified":"2025-04-10T18:47:27","modified_gmt":"2025-04-10T09:47:27","slug":"%eb%af%b8%ea%b5%ad-%eb%aa%a8%ea%b8%b0%ec%a7%80-%ec%8b%a0%ec%9a%a9-%ec%a0%90%ec%88%98-%ec%97%86%ec%9d%b4%eb%8f%84-%ea%b0%80%eb%8a%a5%ed%95%a0%ea%b9%8c-%eb%b9%84%ec%98%81%ec%a3%bc%ea%b6%8c%ec%9e%90","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/7955\/","title":{"rendered":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774\ub3c4 \uac00\ub2a5\ud560\uae4c? (\ube44\uc601\uc8fc\uad8c\uc790\u00b7\uc720\ud559\uc0dd\u00b7\uc678\uad6d\uc778 \ud22c\uc790\uc790\ub97c \uc704\ud55c \uac00\uc774\ub4dc)"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"735\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250407_nocredit_0-1.png\" alt=\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774\" class=\"wp-image-8117\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250407_nocredit_0-1.png 1020w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250407_nocredit_0-1-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250407_nocredit_0-1-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250407_nocredit_0-1-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250407_nocredit_0-1-750x540.png 750w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/figure>\n\n\n\n<p>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774 \ub300\ucd9c \ubc1b\uc744 \uc218 \uc788\uc744\uae4c\uc694?  \ube44\uc601\uc8fc\uad8c\uc790, \uc720\ud559\uc0dd, \uc678\uad6d\uc778 \ud22c\uc790\uc790\ub3c4 \uc870\uac74\ub9cc \ub9de\ub294\ub2e4\uba74 \ubbf8\uad6d\uc5d0\uc11c \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8 \uc77c\ubc18\uc801\uc778 \ubaa8\uae30\uc9c0\uc640\ub294 \uc2ec\uc0ac \ubc29\uc2dd\uc774 \ub2e4\ub974\uace0, \ud2b9\ud654\ub41c \ub80c\ub354\uc0ac\ub098 \ud50c\ub7ab\ud3fc\uc758 \ub3c4\uc6c0\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc5b4\uc694. \ube44\uc601\uc8fc\uad8c\uc790\ub294 \uccb4\ub958 \uc790\uaca9 \uc720\uc9c0, \ud574\uc678 \uc790\uc0b0 \uc99d\ube59, \ub300\uccb4 \uc2e0\uc6a9 \uc790\ub8cc\ub97c \ub0a9\ubd80\ud574\uc57c \ud558\uace0 Non-QM\ub300\ucd9c\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. \uc720\ud559\uc0dd\uc740 \ubd80\ubaa8 \ubcf4\uc99d, \ud604\uae08 \uc790\uc0b0, \ud559\ube44 \uc1a1\uae08 \uc774\ub825 \ub4f1\uc774 \ud544\uc694\ud558\uace0 \uacf5\ub3d9 \ubcf4\uc99d \ub300\ucd9c\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. \ud55c\uad6d\uc5d0\uc11c \ud22c\uc790\uc6a9\uc73c\ub85c \uad6c\ub9e4\ud558\uace0 \uc2f6\uc73c\uc2e0 \ubd84\ub4e4\uc740 \ud55c\uad6d\uc5d0\uc11c\uc758 \uc790\uc0b0, \uc18c\ub4dd, \ubd80\ub3d9\uc0b0 \ubcf4\uc720 \ub0b4\uc5ed \ub4f1\uc774 \ud544\uc694\ud558\uace0 Non-QM \ub300\ucd9c \uc911 DSCR, Foreign National Loan\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubaa8\uae30\uc9c0\ub97c-\ubc1b\uc73c\ub824\uba74-\ubcf4\ud1b5-\ubb34\uc5c7\uc774-\ud544\uc694\ud560\uae4c\"><strong>\ubbf8\uad6d \ubaa8\uae30\uc9c0\ub97c \ubc1b\uc73c\ub824\uba74 \ubcf4\ud1b5 \ubb34\uc5c7\uc774 \ud544\uc694\ud560\uae4c?<\/strong><\/h2>\n\n\n\n<p>\uba3c\uc800, \ubbf8\uad6d\uc5d0\uc11c \uc9d1\uc744 \uc0ac\uae30 \uc704\ud574 \ub300\ucd9c\uc744 \ubc1b\ub294 \uae30\ubcf8\uc801\uc778 \uc870\uac74\uc744 \uc54c\uc544\uc57c \ud569\ub2c8\ub2e4. \ub300\ucd9c\uc740 \uc27d\uac8c \ub9d0\ud574 \uc740\ud589\uc774\ub098 \uae08\uc735\uae30\uad00\uc5d0\uc11c \ub3c8\uc744 \ube4c\ub9ac\ub294 \uac83\uc73c\ub85c, \uc9d1\uc744 \ub2f4\ubcf4\ub85c \ub9e1\uae30\uace0 \uc870\uae08\uc529 \uac1a\uc544\ub098\uac00\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc774\ub97c \ud754\ud788 &#8220;\ubaa8\uae30\uc9c0(Mortgage)&#8221;\ub77c\uace0 \ubd80\ub985\ub2c8\ub2e4. \ubaa8\uae30\uc9c0\ub97c \ubc1b\uae30 \uc704\ud574 \uc77c\ubc18\uc801\uc73c\ub85c \ud544\uc694\ud55c \uc870\uac74\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \uc2e0\uc6a9 \uc810\uc218 (FICO Score)<\/strong><\/h3>\n\n\n\n<p>\uc2e0\uc6a9 \uc810\uc218\ub294 \uc5ec\ub7ec\ubd84\uc774 \ub3c8\uc744 \uc798 \uac1a\uc744 \uc0ac\ub78c\uc778\uc9c0 \ubcf4\uc5ec\uc8fc\ub294 \uc22b\uc790\uc785\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c\ub294 FICO\ub77c\ub294 \uc810\uc218\ub97c \uc8fc\ub85c \uc0ac\uc6a9\ud558\uba70, 300\uc810\uc5d0\uc11c 850\uc810 \uc0ac\uc774\ub85c \ub098\uc635\ub2c8\ub2e4. <strong>620\uc810<\/strong> \uc774\uc0c1\uc774 \uc77c\ubc18\uc801\uc778 \uae30\uc900\uc785\ub2c8\ub2e4. \uc810\uc218\uac00 \ub192\uc744\uc218\ub85d \ub300\ucd9c\uc744 \ubc1b\uae30 \uc27d\uace0, \uc774\uc790\ub3c4 \uc800\ub834\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\u2192 \ud558\uc9c0\ub9cc \ubbf8\uad6d\uc5d0 \ucc98\uc74c \uc628 \uc0ac\ub78c\uc774\ub77c\uba74 \uc774 \uc810\uc218\uac00 \uc544\uc608 \uc5c6\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \uc18c\ub4dd \ubc0f \uace0\uc6a9 \uc99d\ube59<\/strong><\/h3>\n\n\n\n<p>\uc740\ud589\uc740 \uc5ec\ub7ec\ubd84\uc774 \ub9e4\ub2ec \ub300\ucd9c\uae08\uc744 \uac1a\uc744 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud558\ub824\uace0 \ud569\ub2c8\ub2e4. \uadf8\ub798\uc11c \ucd5c\uadfc \uba87 \ub2ec\uac04\uc758 \uc6d4\uae09 \uba85\uc138\uc11c\ub098 \uc138\uae08 \uc2e0\uace0 \uc11c\ub958\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\u2192 \ubbf8\uad6d\uc5d0\uc11c \uc77c\uc790\ub9ac\uac00 \uc5c6\uac70\ub098 \uc18c\ub4dd\uc774 \ubd88\uaddc\uce59\ud558\uba74 \uc774 \ubd80\ubd84\uc774 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-\uccb4\ub958-\uc790\uaca9\"><strong>3. \uccb4\ub958 \uc790\uaca9<\/strong><\/h3>\n\n\n\n<p>\uc601\uc8fc\uad8c\uc774\ub098 \uc2dc\ubbfc\uad8c\uc774 \uc788\uc73c\uba74 \ub300\ucd9c \uc2ec\uc0ac\uac00 \ud6e8\uc52c \uc218\uc6d4\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\u2192 \ud558\uc9c0\ub9cc \ud559\uc0dd \ube44\uc790(F-1)\ub098 \ucde8\uc5c5 \ube44\uc790(H-1B) \uac19\uc740 \uc784\uc2dc \ube44\uc790 \uc18c\uc9c0\uc790\ub77c\uba74 \uc870\uac74\uc774 \ub354 \uae4c\ub2e4\ub85c\uc6cc\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p><br>\uc774 \uc870\uac74\ub4e4\uc744 \ubcf4\uba74, \ubbf8\uad6d\uc5d0\uc11c \uc2e0\uc6a9 \uae30\ub85d\uc774\ub098 \uc548\uc815\uc801\uc778 \uc18c\ub4dd\uc774 \uc5c6\uc73c\uba74 \ub300\ucd9c\uc744 \ubc1b\uae30\uac00 \uc27d\uc9c0 \uc54a\ub2e4\ub294 \uac78 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br>\uadf8\ub807\ub2e4\uba74 \ud604\uc9c0 \uc2e0\uc6a9\uc774 \uc5c6\ub294 \uc0ac\ub78c\ub4e4\uc740 \uc5b4\ub5a4 \ubb38\uc81c\uac00 \uc0dd\uae38\uae4c\uc694?<br><\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubaa8\uae30\uc9c0-\uc2e0\uc6a9\uc810\uc218-\uc5c6\uc73c\uba74-\uc5b4\ub5a4-\uc5b4\ub824\uc6c0\uc774-\uc788\uc744\uae4c\"><strong>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc73c\uba74 \uc5b4\ub5a4 \uc5b4\ub824\uc6c0\uc774 \uc788\uc744\uae4c?<\/strong><\/h2>\n\n\n\n<p>\ud604\uc9c0 \uc2e0\uc6a9 \uae30\ub85d\uc774 \uc5c6\ub2e4\ub294 \uac74, \uc740\ud589 \uc785\uc7a5\uc5d0\uc11c\ub294 \uc5ec\ub7ec\ubd84\uc774 \ub3c8\uc744 \uc798 \uac1a\uc744\uc9c0 \ud310\ub2e8\ud560 \uc790\ub8cc\uac00 \uc5c6\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \uc0dd\uae30\ub294 \uc8fc\uc694 \ubb38\uc81c\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \ub300\ucd9c \uc2b9\uc778\uc774 \uc5b4\ub824\uc6cc\uc838\uc694.<\/strong><\/h3>\n\n\n\n<p>\uc2e0\uc6a9 \uc810\uc218\uac00 \uc5c6\uc73c\uba74 \uc740\ud589\uc774 \uc704\ud5d8\uc744 \uac10\uc218\ud558\uae30 \uc2eb\uc5b4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \ub300\ucd9c \uc2e0\uccad \uc790\uccb4\uac00 \uac70\uc808\ub418\uac70\ub098, \ub354 \ub9ce\uc740 \uc11c\ub958\ub97c \uc694\uad6c\ubc1b\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc694.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \uc774\uc790\uc728\uc774 \ub192\uc544\uc9c8 \uc218 \uc788\uc5b4\uc694.<\/strong><\/h3>\n\n\n\n<p>\ub9cc\uc57d \ub300\ucd9c\uc744 \ubc1b\ub354\ub77c\ub3c4, \uc2e0\uc6a9 \uc810\uc218\uac00 \ub0ae\uac70\ub098 \uc5c6\uc73c\uba74 \uc774\uc790\uc728\uc774 \ub192\uac8c \ucc45\uc815\ub429\ub2c8\ub2e4. \uc774\uc790\uc728\uc740 \ube4c\ub9b0 \ub3c8\uc5d0 \ucd94\uac00\ub85c \ub0b4\uc57c \ud558\ub294 \ube44\uc6a9\uc73c\ub85c, <strong>\ub192\uc744\uc218\ub85d \ub9e4\ub2ec \uac1a\uc544\uc57c \ud558\ub294 \ub3c8\uc774 \ub9ce\uc544\uc9d1\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \ud2b9\uc815 \ub300\ucd9c \uc0c1\ud488\uc740 \uc544\uc608 \uc2e0\uccad\uc774 \ubd88\uac00\ub2a5\ud574\uc694.<\/strong><\/h3>\n\n\n\n<p>\ubbf8\uad6d \ub0b4 \uc2e0\uc6a9 \uae30\ub85d\uc774 \uc804\ud600 \uc5c6\uac70\ub098, \ubbf8\uad6d\uc5d0\uc11c\uc758 \uc18c\ub4dd \uc99d\ube59\uc774 \ubd88\uac00\ub2a5\ud55c \uacbd\uc6b0\uc5d0\ub294 <strong>\uc77c\ubd80 \ub300\ucd9c \uc0c1\ud488\uc5d0 \uc544\uc608 \uc811\uadfc\ud560 \uc218 \uc5c6\ub294 \uc0c1\ud669<\/strong>\uc774 \uc0dd\uae41\ub2c8\ub2e4. \ub300\ud45c\uc801\uc778 \uc608\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FHA Loan (\ubbf8 \uc5f0\ubc29\uc8fc\ud0dd\uccad \ubcf4\uc99d \ub300\ucd9c)<\/strong>:<br>\uc800\uc2e0\uc6a9\uc790\ub098 \ucd08\ubcf4 \uad6c\ub9e4\uc790\ub97c \uc704\ud55c \ub300\ucd9c\ub85c \uc54c\ub824\uc838 \uc788\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 <strong>\ucd5c\uc18c 580 \uc774\uc0c1\uc758 FICO \uc810\uc218<\/strong>\uc640 <strong>\ubbf8\uad6d \ub0b4 \uc18c\ub4dd \uc99d\ube59<\/strong>\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<br>\uc678\uad6d\uc778\uc774\ub098 \uc720\ud559\uc0dd\ucc98\ub7fc \ubbf8\uad6d \uc2e0\uc6a9 \uae30\ub85d\uc774 \uc5c6\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc2e0\uccad \uc790\uccb4\uac00 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4.<br>\uae30\uc874\uc5d0\ub294 \ube44\uc601\uc8fc\uad8c\uc790\ub3c4 \ub300\ucd9c \ubc1b\uc744 \uc218 \uc788\uc5c8\uc73c\ub098, \uc62c\ud574 5\uc6d4\ubd80\ud130\ub294 \ub300\ucd9c\uc774 \uc81c\ud55c\ub418\uac8c \uc815\ucc45\uc774 \ubcc0\uacbd\ub418\uc5c8\uc5b4\uc694!\n<ul class=\"wp-block-list\">\n<li>\ub354 \uc790\uc138\ud55c \uae00\uc740 <a href=\"https:\/\/blog.loaning.ai\/ko\/7812\/\">\ubbf8\uad6d \uc9d1\uad6c\ud558\uae30 | \ube44\uc601\uc8fc\uad8c\uc790 FHA Loan \uc790\uaca9 \ubc15\ud0c8\uacfc \ub300\ucc98\ubc95 \uacf5\uac1c (2025)<\/a>\uc5d0\uc11c \ud655\uc778\ud574\uc8fc\uc138\uc694!<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Conventional Loan (\uc77c\ubc18 \uc740\ud589 \ub300\ucd9c)<\/strong>:<br>\ub300\ubd80\ubd84\uc758 \uc740\ud589\uc740 <strong>\ubbf8\uad6d \uc2e0\uc6a9 \uc810\uc218\uc640 \uace0\uc6a9 \uc774\ub825<\/strong>\uc744 \uae30\uc900\uc73c\ub85c \uc2ec\uc0ac\ud558\uae30 \ub54c\ubb38\uc5d0, \uc2e0\uc6a9 \uc774\ub825\uc774 \uc5c6\ub294 \uc0ac\ub78c\uc740 \uc790\ub3d9 \ud0c8\ub77d\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 <strong>\uc601\uc8fc\uad8c\uc790 \uc774\uc0c1\uc774 \uc544\ub2cc \uacbd\uc6b0<\/strong> \ub300\ucd9c \uc790\uaca9\uc870\ucc28 \ub418\uc9c0 \uc54a\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<br><\/li>\n\n\n\n<li><strong>VA Loan \/ USDA Loan \ub4f1 \ud2b9\uc218 \ubaa9\uc801 \ub300\ucd9c<\/strong>:<br>\uad70 \ubcf5\ubb34\uc790, \ub18d\ucd0c \uc9c0\uc5ed \uc8fc\ubbfc \ub4f1\uc744 \uc704\ud55c \ud2b9\ubcc4 \ub300\ucd9c \uc0c1\ud488\ub4e4\uc740 <strong>\ubbf8\uad6d \uc2dc\ubbfc\uad8c \ub610\ub294 \uc77c\uc815 \uccb4\ub958 \uc694\uac74<\/strong>\uc774 \ud544\uc218\uc774\uae30 \ub54c\ubb38\uc5d0 \uc678\uad6d\uc778\uc774\ub098 \uc720\ud559\uc0dd\uc740 \ub300\uc0c1\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc774\ucc98\ub7fc \uc77c\ubd80 \ub300\ucd9c \uc0c1\ud488\uc740 \uc81c\ub3c4\uc801\uc73c\ub85c \ubbf8\uad6d \uc2e0\uc6a9 \uc774\ub825\uc774\ub098 \uccb4\ub958 \uc790\uaca9\uc744 \uc694\uad6c\ud558\uae30 \ub54c\ubb38\uc5d0, \uc2e0\uc6a9\uc774 \uc5c6\ub294 \uc678\uad6d\uc778\uc758 \uacbd\uc6b0 <strong>\uc120\ud0dd\uc9c0\uc5d0\uc11c \uc644\uc804\ud788 \uc81c\uc678<\/strong>\ub420 \uc218 \uc788\uc5b4\uc694.<\/p>\n\n\n\n<p><strong><span style=\"background-color:#B9F4D1; color:#131313;\">\ud558\uc9c0\ub9cc! \uc2e0\uc6a9 \uc810\uc218\uac00 \uc5c6\uc5b4\ub3c4 \ub300\ucd9c \ubc1b\uc744 \uc218 \uc788\ub294 \ubaa8\uae30\uc9c0 \uc0c1\ud488\ub4e4\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/span><\/strong><\/p>\n\n\n\n<p><br><br><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubaa8\uae30\uc9c0-\uc2e0\uc6a9\uc810\uc218-\uc5c6\uc774-\uac00\ub2a5\ud55c-\ub300\ucd9c-\uc720\ud615\"><strong>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774 \uac00\ub2a5\ud55c \ub300\ucd9c \uc720\ud615<\/strong><\/h1>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Non-QM \ub300\ucd9c<\/strong><\/h3>\n\n\n\n<p>Non-QM(Non-Qualified Mortgage)\uc740 \uc77c\ubc18\uc801\uc778 \ub300\ucd9c \uc694\uac74\uc744 \ucda9\uc871\ud558\uc9c0 \uc54a\uc544\ub3c4 \uc2ec\uc0ac \uac00\ub2a5\ud55c \ub300\ucd9c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong><span style=\"background-color:#B9F4D1; color:#131313;\">\ubbf8\uad6d \uc2e0\uc6a9\uc810\uc218 \ub300\uc2e0 \uc790\uc0b0, \ud604\uae08\ud750\ub984, \ud574\uc678 \uc18c\ub4dd \ub4f1\uc73c\ub85c \uc2ec\uc0ac<\/span><\/strong>\ud569\ub2c8\ub2e4. \uc774\uc790\uc728\uc740 \uc77c\ubc18 \ub300\ucd9c\ubcf4\ub2e4 \ub2e4\uc18c \ub192\uc744 \uc218 \uc788\uc9c0\ub9cc, <strong>\uc2ec\uc0ac \uae30\uc900\uc774 \uc720\uc5f0<\/strong>\ud574 \uc678\uad6d\uc778\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>DSCR Loan:<\/strong><br>\uc784\ub300 \uc218\uc775\uc774 \ub300\ucd9c \uc0c1\ud658\uc561\uc744 \uc5bc\ub9c8\ub098 \uc798 \ucee4\ubc84\ud558\ub294\uc9c0\ub97c \ub098\ud0c0\ub0b4\ub294 \uc9c0\ud45c\uc785\ub2c8\ub2e4(Debt Service Coverage Ratio).<br>\uc77c\ubc18\uc801\uc73c\ub85c 1.0 \uc774\uc0c1\uc774\uba74 \uc2b9\uc778 \uac00\ub2a5\ud569\ub2c8\ub2e4.<br>\uc790\uac00 \uac70\uc8fc\uc6a9 \uc8fc\ud0dd\uc5d0\ub294 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc73c\uba70, \ubc18\ub4dc\uc2dc <strong>\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0<\/strong>\uc774\uc5b4\uc57c \ud569\ub2c8\ub2e4.<br>\u2192 <strong>\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc744 \uc0ac\ub824\ub294 \ud55c\uad6d\uc778<\/strong>\uc5d0\uac8c \uc801\ud569<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Foreign National Loan:<\/strong><br>\ubbf8\uad6d \ub0b4 \uc2e0\uc6a9 \uc5c6\uc774\ub3c4, \ud55c\uad6d\uc758 \uc18c\ub4dd, \uc790\uc0b0, \uc608\uae08 \ub4f1\uc744 \ubc14\ud0d5\uc73c\ub85c \uc2ec\uc0ac\ud569\ub2c8\ub2e4.<br>\u2192 <strong>\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc744 \uc0ac\ub824\ub294 \ud55c\uad6d\uc778<\/strong>\uc5d0\uac8c \uc801\ud569<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc720\ud559\uc0dd\uc758 \uacbd\uc6b0:<\/strong><br>\uc720\ud559\uc0dd \ubcf8\uc778 \ub2e8\ub3c5 \uba85\uc758\ub85c \ub300\ucd9c\uc740 \uc5b4\ub835\uc9c0\ub9cc, \ubcf4\uc99d\uc778(co-signer), \ubd80\ubaa8\uc758 \uc790\uc0b0 \ubcf4\uc99d, \ub610\ub294 \ucda9\ubd84\ud55c \ub9ac\uc800\ube0c \uc790\uc0b0\uc774 \uc788\ub2e4\uba74 \uac00\ub2a5\uc131\uc774 \uc5f4\ub824 \uc788\uc2b5\ub2c8\ub2e4.<br>\ub300\ucd9c \uac00\ub2a5 \uc5ec\ubd80\ub294 <strong>\ub80c\ub354\uc640\uc758 \uac1c\ubcc4 \uc0c1\ub2f4<\/strong>\uc744 \ud1b5\ud574 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<br><\/li>\n<\/ul>\n\n\n\n<p><br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. ITIN \ub300\ucd9c<\/strong><\/h3>\n\n\n\n<p>ITIN(Individual Taxpayer Identification Number)\uc740 \ubbf8\uad6d\uc5d0\uc11c \uc138\uae08\uc744 \ub0b4\uae30 \uc704\ud574 \ubc1c\uae09\ubc1b\ub294 \ubc88\ud638\uc785\ub2c8\ub2e4. \uc0ac\ud68c\ubcf4\uc7a5\ubc88\ud638(SSN)\uac00 \uc5c6\ub294 \uc678\uad6d\uc778\ub3c4 ITIN(\ub0a9\uc138\uc790 \ubc88\ud638)\ub9cc \uc788\uc73c\uba74 \ub300\ucd9c \uc2e0\uccad\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<br>\ubbf8\uad6d \ub0b4 \uc138\uae08 \uc2e0\uace0 \uc774\ub825\uc774 \uc788\uace0, \uc77c\uc815 \uc790\uc0b0\uc774\ub098 \uc218\uc785\uc774 \uc788\ub2e4\uba74 <strong>\uc2e0\uc6a9 \uc810\uc218 \uc5c6\uc774\ub3c4 \uc2b9\uc778 \uac00\ub2a5\uc131<\/strong>\uc774 \ub192\uc2b5\ub2c8\ub2e4.<br>ITIN \ub300\ucd9c\uc740 \uc77c\ubc18\uc801\uc73c\ub85c <strong>\uc790\uac00 \uac70\uc8fc \ubaa9\uc801<\/strong>\uc774\uc5b4\uc57c \ud558\uba70, \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc5d0\ub294 \uc801\uc6a9\uc774 \uc5b4\ub824\uc6b4 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4<br> \u2192 <strong>\ubbf8\uad6d \uccb4\ub958 \uc911\uc778 \uc678\uad6d\uc778, \ube44\uc601\uc8fc\uad8c\uc790\uc5d0\uac8c \uc801\ud569<\/strong><\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \ubaa8\uae30\uc9c0 \ub80c\ub354 \ubb38\uc758<\/strong><\/h3>\n\n\n\n<p>\uc77c\ubc18 \uc740\ud589\ubcf4\ub2e4 <strong>\uc804\ubb38 \ubaa8\uae30\uc9c0 \ub80c\ub354<\/strong>\ub098 <strong>\uc18c\uaddc\ubaa8 \uae08\uc735\uae30\uad00<\/strong>\uc744 \ud1b5\ud574 \uc2e0\uccad\ud558\uba74 \uc870\uac74\uc774 \ub354 \uc720\uc5f0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br>\ud2b9\ud788 \ud55c\uad6d\uc778\uc744 \ub9ce\uc774 \ub2e4\ub904\ubcf8 \ub80c\ub354\ub294, \ud55c\uad6d \uc790\uc0b0\u00b7\uc18c\ub4dd \uae30\ubc18\uc758 \uc11c\ub958\uc5d0 \uc775\uc219\ud574 \uc2e0\uc18d\ud55c \uc2ec\uc0ac\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<br><strong><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=NoCreditscore&amp;utm_content=NoCreditscore_KR\">Loaning.ai<\/a><\/strong>\uc640 \uac19\uc740 \uc804\ubb38 \ubaa8\uae30\uc9c0 \ub80c\ub354\ub294 <strong>\uc678\uad6d\uc778 \uc804\uc6a9 \uc0c1\ud488<\/strong>\uacfc <strong>\ud55c\uae00 \uc0c1\ub2f4\uc744 \uc81c\uacf5<\/strong>\ud574 \ube44\uc601\uc8fc\uad8c\uc790\ub3c4 \uc27d\uac8c \ub300\ucd9c \uacfc\uc815\uc744 \uc9c4\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br>\u2192 <strong>\uc720\ud559\uc0dd, \ube44\uc601\uc8fc\uad8c\uc790, \uc2e0\uc6a9 \uc5c6\ub294 \uc678\uad6d\uc778 \ubaa8\ub450\uc5d0\uac8c \uc88b\uc740 \uc120\ud0dd<\/strong><\/p>\n\n\n\n<p><br><br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\ud0c0\uac9f\ubcc4-\uc694\uc57d-\ubbf8\uad6d-\ubaa8\uae30\uc9c0-\uc2e0\uc6a9\uc810\uc218-\uc5c6\uc774-\ubc1b\uc744-\uc218-\uc788\ub294-\ub300\ucd9c\uc740\"><strong>\ud0c0\uac9f\ubcc4 \uc694\uc57d &#8211; \ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774<\/strong> <strong>\ubc1b\uc744 \uc218 \uc788\ub294 \ub300\ucd9c\uc740?<\/strong><\/h3>\n\n\n\n<table style=\"border-collapse: collapse; width: 100%; text-align: center;\">\n  <thead>\n    <tr>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">\uad6c\ubd84<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">\ud65c\uc6a9 \uac00\ub2a5\ud55c \ub300\ucd9c<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">\uc8fc\uc694 \uc870\uac74<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">\ud544\uc694\ud55c \uac83<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\"><strong>\ube44\uc601\uc8fc\uad8c\uc790<\/strong><\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Foreign National, Non-QM<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">\ud574\uc678 \uc18c\ub4dd\/\uc790\uc0b0, \uccb4\ub958 \ube44\uc790<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">\ube44\uc790, \uad6d\ub0b4 \uc18c\ub4dd\/\uc790\uc0b0 \uc11c\ub958<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\"><strong>\uc720\ud559\uc0dd<\/strong><\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">\uacf5\ub3d9\ub300\ucd9c\uc790 \ubc29\uc2dd, \uc720\ud559\uc0dd\uc6a9 \ub860<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">\ubcf4\uc99d\uc778 or \uac00\uc871 \uc790\uc0b0<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">I-20, \uac00\uc871 \uc7ac\uc815 \uc11c\ub958<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\"><strong>\uc678\uad6d\uc778 \ud22c\uc790\uc790<\/strong><\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Foreign National, DSCR<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">\uc784\ub300\uc218\uc775 or \uc790\uc0b0 \uae30\ubc18<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">\uc5ec\uad8c, \ud55c\uad6d \uc790\uc0b0 \uc815\ubcf4<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p><strong>\ube44\uc601\uc8fc\uad8c\uc790<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc870\uac74<\/strong>: \uccb4\ub958 \uc790\uaca9 \uc720\uc9c0, \ud574\uc678 \uc790\uc0b0 \uc99d\ube59, \ub300\uccb4 \uc2e0\uc6a9 \uc790\ub8cc(\ub80c\ud2b8 \ub0b4\uc5ed, \uc720\ud2f8\ub9ac\ud2f0 \ub0a9\ubd80 \uc774\ub825 \ub4f1)<\/li>\n\n\n\n<li><strong>\ucd94\ucc9c \uc635\uc158<\/strong>: Non-QM \ub300\ucd9c(Foreign National Loan)<\/li>\n<\/ul>\n\n\n\n<p><strong>\uc720\ud559\uc0dd<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc870\uac74<\/strong>: \ubd80\ubaa8 \ubcf4\uc99d, \ud604\uae08 \uc790\uc0b0, \ud559\ube44 \uc1a1\uae08 \uc774\ub825 \ub4f1<\/li>\n\n\n\n<li><strong>\ucd94\ucc9c \uc635\uc158<\/strong>: \uacf5\ub3d9 \ubcf4\uc99d \ub300\ucd9c(Co-signer \ud3ec\ud568)<\/li>\n<\/ul>\n\n\n\n<p><strong>\uc678\uad6d\uc778 \ud22c\uc790\uc790<\/strong> (\ubbf8\uad6d \ub0b4 \uc138\uae08\ubcf4\uace0 \uc774\ub825\uc774 \uc5c6\ub294 \uacbd\uc6b0)<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc870\uac74<\/strong>: \ud55c\uad6d\uc5d0\uc11c\uc758 \uc790\uc0b0, \uc18c\ub4dd, \ubd80\ub3d9\uc0b0 \ubcf4\uc720 \ub0b4\uc5ed \ub4f1<\/li>\n\n\n\n<li><strong>\ucd94\ucc9c \uc635\uc158<\/strong>: Non-QM \ub300\ucd9c(Foreign National Loan\/DSCR)<\/li>\n<\/ul>\n\n\n\n<p><br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubaa8\uae30\uc9c0-\uc2e0\uc6a9\uc810\uc218-\uc5c6\uc774-\uc9d1-\uc0ac\uae30\"><strong>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774 \uc9d1 \uc0ac\uae30!<\/strong><\/h2>\n\n\n\n<p><strong><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=NoCreditscore&amp;utm_content=NoCreditscore_KR\">Loaning.ai<\/a> \ubaa8\uae30\uc9c0 \ub80c\ub354<\/strong>\ub294 \ud604\uc9c0 \uc2e0\uc6a9 \uc5c6\uc774\ub3c4 \ud55c\uad6d\uc778(\uc678\uad6d\uc778)\ub3c4 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uadf8 \uc911\uc5d0\uc11c <strong>Non-QM \ub300\ucd9c\uacfc Foreign National<\/strong> \ubaa8\uae30\uc9c0 \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc5b4\uc694!<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"966\" height=\"730\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/image-20.png\" alt=\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774\" class=\"wp-image-7957\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/image-20.png 966w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/image-20-300x227.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/image-20-768x580.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/image-20-750x567.png 750w\" sizes=\"auto, (max-width: 966px) 100vw, 966px\" \/><\/figure>\n\n\n\n<p>*<em>\uce74\uc6b4\ud2f0\ubcc4\ub85c \uae08\uc561\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud0c0\ub300\ucd9c \uae30\uad00 \ub300\ube44 <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=NoCreditscore&amp;utm_content=NoCreditscore_KR\">Loaning.ai<\/a> \uc774\uc6a9 \uc2dc \uc774\uc810<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc720\uc5f0\ud55c \uc2e0\uc6a9\uc810\uc218<\/li>\n\n\n\n<li>\ub192\uc740 \ub300\ucd9c \ud55c\ub3c4<\/li>\n\n\n\n<li>\ub0ae\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8<\/li>\n\n\n\n<li>\ucd5c\uc800 \uc218\uc900\uc758 \uc774\uc790\uc728<\/li>\n\n\n\n<li>\ub2e4\uc591\ud55c \ub300\ucd9c \uae30\uac04<\/li>\n\n\n\n<li>\uae08\ub9ac \uc120\ud0dd\uc758 \uc720\uc5f0\uc131<\/li>\n\n\n\n<li>\ud55c\uae00 \uc0c1\ub2f4 \uc11c\ube44\uc2a4<\/li>\n<\/ul>\n\n\n\n<p>\ub85c \ubbf8\uad6d\uc5d0\uc11c \ub0b4\uc9d1\ub9c8\ub828\uc758 \uafc8\uc744 \uc774\ub8e8\uc5b4 \ub4dc\ub9bd\ub2c8\ub2e4!<\/p>\n\n\n\n<p>\uc9c0\uae08, <strong><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=NoCreditscore&amp;utm_content=NoCreditscore_KR\">Loaning.ai<\/a><\/strong>\uc5d0\uc11c \ub300\ucd9c \ubc1b\uc744 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud574\ubcf4\uc138\uc694!<br>\uac1c\uc778 \uc815\ubcf4 \uc785\ub825 \uc5c6\uc774, \ud074\ub9ad\ub9cc\uc73c\ub85c <strong>\ub300\ucd9c \uc5ec\ubd80 \ubc0f \ub300\ucd9c \ud55c\ub3c4<\/strong>\uae4c\uc9c0 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"738\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250311_homebuyguide_3view4-2-1024x738.png\" alt=\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774\" class=\"wp-image-7958\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250311_homebuyguide_3view4-2-1024x738.png 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250311_homebuyguide_3view4-2-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250311_homebuyguide_3view4-2-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250311_homebuyguide_3view4-2-1536x1107.png 1536w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250311_homebuyguide_3view4-2-120x86.png 120w, 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\ud655\uc778\ud558\uae30\n      <\/a>\n    <\/div>\n\n\n\n<p><br>\ub354 \uad81\uae08\ud55c \uc810\uc774 \uc788\uac70\ub098, \ub300\ucd9c \uc2e0\uccad \ubc0f \ubb38\uc758\ub97c \uc6d0\ud558\uc2e0\ub2e4\uba74<br><strong><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=NoCreditscore&amp;utm_content=NoCreditscore_KR\">Loaning.ai<\/a><\/strong> \uc6f9 \uc0ac\uc774\ud2b8 \ud558\ub2e8\uc758 \ucc44\ud305 \ubc84\ud2bc\uc744 \ud074\ub9ad\ud574, \ud55c\uad6d\uc778 \uc0c1\ub2f4\uc6d0\uacfc \ub300\ucd9c \uc0c1\ub2f4 \ubc1b\uc544\ubcf4\uc138\uc694!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774 \ub300\ucd9c \ubc1b\uc744 \uc218 \uc788\uc744\uae4c\uc694? \ube44\uc601\uc8fc\uad8c\uc790, \uc720\ud559\uc0dd, \uc678\uad6d\uc778 \ud22c\uc790\uc790\ub3c4 \uc870\uac74\ub9cc \ub9de\ub294\ub2e4\uba74 \ubbf8\uad6d\uc5d0\uc11c \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 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