{"id":8630,"date":"2025-04-30T14:47:27","date_gmt":"2025-04-30T05:47:27","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=8630"},"modified":"2026-03-17T18:54:06","modified_gmt":"2026-03-17T09:54:06","slug":"%eb%af%b8%ea%b5%ad-%ed%81%ac%eb%a0%88%eb%94%a7%ec%a0%90%ec%88%98%eb%9e%80-%eb%af%b8%ea%b5%ad-%eb%aa%a8%ea%b8%b0%ec%a7%80-%eb%8c%80%ec%b6%9c-%eb%b0%9b%ea%b8%b0-%ec%a0%84-%ea%bc%ad-%ec%95%8c%ec%95%84","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/8630\/","title":{"rendered":"\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\ub780? \ubbf8\uad6d \ubaa8\uae30\uc9c0 \ub300\ucd9c \ubc1b\uae30 \uc804 \uaf2d \uc54c\uc544\uc57c \ud560 \ud544\uc218 \uc6a9\uc5b4"},"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\/250430_USAwiki_creditscore_th.png\" alt=\"\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\" class=\"wp-image-8631\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250430_USAwiki_creditscore_th.png 1020w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250430_USAwiki_creditscore_th-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250430_USAwiki_creditscore_th-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250430_USAwiki_creditscore_th-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/04\/250430_USAwiki_creditscore_th-750x540.png 750w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/figure>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ud06c\ub808\ub527\uc810\uc218\ub780-credit-score\"><strong>\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\ub780? (Credit Score)<\/strong><\/h1>\n\n\n\n<div style=\"background-color: #e9f7ef; padding: 16px; border-radius: 8px;\">\n  <p>\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218(Credit Score)\ub294 \uac1c\uc778\uc758 \uc2e0\uc6a9\ub3c4\ub97c \uc218\uce58\ub85c \ub098\ud0c0\ub0b8 \uc9c0\ud45c\ub85c, \ub300\ucd9c \uac00\ub2a5 \uc5ec\ubd80\uc640 \uae08\ub9ac \uacb0\uc815\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc810\uc218\ub294 300\uc810\uc5d0\uc11c 850\uc810 \uc0ac\uc774\ub85c \ub9e4\uaca8\uc9c0\uba70, \uc810\uc218\uac00 \ub192\uc744\uc218\ub85d \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc2e0\uc6a9\uc774 \ub192\ub2e4\uace0 \ud310\ub2e8\ud569\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\uac70\ub098 \ubaa8\uae30\uc9c0\ub97c \uc2e0\uccad\ud560 \ub54c, \uc774 \uc810\uc218\ub294 \uc2b9\uc778 \uc5ec\ubd80\uc5d0 \uac00\uc7a5 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uae30\uc900 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.<\/p>\n<\/div>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\uc758 \ud575\uc2ec \uac1c\ub150<\/strong><\/h2>\n\n\n\n<p>\ubbf8\uad6d\uc5d0\uc11c \ud06c\ub808\ub527\uc810\uc218\ub294 \uae08\uc735 \uc0dd\ud65c\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc544\ub798\ub294 \ud06c\ub808\ub527\uc810\uc218\uc758 \uc8fc\uc694 \ud2b9\uc9d5\uacfc \uad00\ub828 \uc815\ubcf4\ub97c \uc815\ub9ac\ud55c \ub0b4\uc6a9\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\ud06c\ub808\ub527\uc810\uc218\uc758 \uc5ed\ud560\uacfc \uc911\uc694\uc131<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\ub300\ucd9c \uc2b9\uc778<\/strong>: \ub192\uc740 \ud06c\ub808\ub527\uc810\uc218\ub294 \ub354 \ub0ae\uc740 \uc774\uc790\uc728\uacfc \uc88b\uc740 \ub300\ucd9c \uc870\uac74\uc744 \uc81c\uacf5\ubc1b\uc744 \uac00\ub2a5\uc131\uc744 \ub192\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc77c\uc0c1 \uc0dd\ud65c \uc601\ud5a5<\/strong>: \uc544\ud30c\ud2b8 \uc784\ub300, \ud734\ub300\ud3f0 \uacc4\uc57d, \uc2ec\uc9c0\uc5b4 \uc77c\ubd80 \uace0\uc6a9\uc8fc\uac00 \ud06c\ub808\ub527\uc810\uc218\ub97c \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc7ac\uc815\uc801 \uae30\ud68c<\/strong>: \uc88b\uc740 \ud06c\ub808\ub527\uc810\uc218\ub294 \uc2e0\uc6a9\uce74\ub4dc \ud55c\ub3c4 \uc99d\uac00\ub098 \ud504\ub9ac\ubbf8\uc5c4 \uae08\uc735 \uc0c1\ud488 \uc774\uc6a9\uc5d0 \uc720\ub9ac\ud569\ub2c8\ub2e4.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\ud06c\ub808\ub527\uc810\uc218 \ubc94\uc704\uc640 \uc758\ubbf8<\/strong><\/li>\n<\/ol>\n\n\n\n<table style=\"width: 100%; border-collapse: collapse;\">\n  <thead>\n    <tr style=\"background-color: #f8f8f8;\">\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\uc810\uc218 \ubc94\uc704<\/th>\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\ub4f1\uae09<\/th>\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\uc124\uba85<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">800~850<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">Excellent<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\ub9e4\uc6b0 \ub192\uc740 \uc2e0\uc6a9\ub3c4, \ucd5c\uc0c1\uc758 \uc870\uac74 \uac00\ub2a5.<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">740~799<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">Very Good<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc88b\uc740 \uc870\uac74\uc758 \ub300\ucd9c \ubc0f \uc2e0\uc6a9\uce74\ub4dc \uc2b9\uc778 \uac00\ub2a5.<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">670~739<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">Good<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\ud3c9\uade0 \uc774\uc0c1, \ub300\ubd80\ubd84 \uc2b9\uc778 \uac00\ub2a5.<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">580~669<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">Fair<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc81c\ud55c\uc801 \uc870\uac74, \ub192\uc740 \uc774\uc790\uc728 \uac00\ub2a5\uc131.<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">300~579<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">Poor<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc2b9\uc778 \uc5b4\ub824\uc6c0, \uc2e0\uc6a9 \uac1c\uc120 \ud544\uc694.<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ud06c\ub808\ub527\uc810\uc218\ub294-\uc5b4\ub5bb\uac8c-\uacc4\uc0b0\ub418\ub098\uc694\"><strong>\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\ub294 \uc5b4\ub5bb\uac8c \uacc4\uc0b0\ub418\ub098\uc694?<\/strong><\/h2>\n\n\n\n<table style=\"width: 100%; border-collapse: collapse;\">\n  <thead>\n    <tr style=\"background-color: #f8f8f8;\">\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\ud56d\ubaa9 \uad6c\uc131<\/th>\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\ube44\uc911(%)<\/th>\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\uc124\uba85<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uacb0\uc81c \uc774\ub825 (Payment History)<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">35%<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc5f0\uccb4 \uc5ec\ubd80, \uc5f0\uccb4 \uae30\uac04 \ub4f1<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc2e0\uc6a9 \uc0ac\uc6a9\ub960 (Credit Utilization)<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">30%<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\ucd1d \ud55c\ub3c4 \ub300\ube44 \uc2e4\uc81c \uc0ac\uc6a9 \ube44\uc728<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc2e0\uc6a9 \uc774\ub825 \uae30\uac04 (Length of Credit History)<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">15%<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uccab \uacc4\uc88c \uac1c\uc124 \uc774\ud6c4 \uc0ac\uc6a9 \uae30\uac04<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc2e0\uaddc \uacc4\uc88c (New Credit)<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">10%<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\ucd5c\uadfc \uac1c\uc124\ub41c \uacc4\uc88c \uc218<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc2e0\uc6a9 \uc885\ub958 (Mix of Credit)<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">10%<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc2e0\uc6a9\uce74\ub4dc, \ubaa8\uae30\uc9c0 \ub4f1 \ub2e4\uc591\ud55c \uacc4\uc88c \ubcf4\uc720 \uc5ec\ubd80<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ubaa8\uae30\uc9c0 \ub300\ucd9c \uc2dc \ud544\uc694\ud55c \ud06c\ub808\ub527\uc810\uc218\ub294?<\/strong><\/h2>\n\n\n\n<p>\ub300\ucd9c \uc0c1\ud488\uc5d0 \ub530\ub77c \uc694\uad6c\ub418\ub294 \ucd5c\uc18c \uc2e0\uc6a9\uc810\uc218\uac00 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n<table style=\"width: 100%; border-collapse: collapse;\">\n  <thead>\n    <tr style=\"background-color: #f8f8f8;\">\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\ub300\ucd9c \uc0c1\ud488<\/th>\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\ucd5c\uc18c \uc694\uad6c \uc810\uc218<\/th>\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\ud2b9\uc9d5<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">Conforming Loan<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">620<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc77c\ubc18\uc801\uc778 \ub300\ucd9c \uae30\uc900<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">FHA Loan<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">580<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc815\ubd80 \ubcf4\uc99d \ub300\ucd9c, \uc2e0\uc6a9 \ub0ae\uc740 \uc0ac\ub78c \uac00\ub2a5<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">VA Loan<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">580<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uad70\uc778, \uc7ac\ud5a5\uad70\uc778 \ub300\uc0c1<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">Jumbo Loan<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">680~700<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uace0\uc561 \ub300\ucd9c, \ub192\uc740 \uc2e0\uc6a9 \ud544\uc694<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">Foreign National Loan<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc810\uc218 \ubb34\uad00<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\ubbf8\uad6d \uc678\uad6d\uc778 \ub300\uc0c1, \ud06c\ub808\ub527\uc810\uc218 \uc5c6\uc774 \uc2e0\uccad \uac00\ub2a5<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ubbf8\uad6d\uc5d0\uc11c \ud06c\ub808\ub527\uc810\uc218\uac00 \uc911\uc694\ud55c \uc774\uc720\ub294?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ubaa8\uae30\uc9c0 \uc2b9\uc778 \uc5ec\ubd80 \uacb0\uc815<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u2192 \uc2e0\uc6a9\uc810\uc218\uac00 \ub0ae\uc73c\uba74 \ub300\ucd9c\uc774 \uac70\uc808\ub418\uac70\ub098 \ubd88\ub9ac\ud55c \uc870\uac74\uc744 \ubc1b\uc744 \uc218 \uc788\uc5b4\uc694.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc774\uc790\uc728 \ucc28\ub4f1 \uc801\uc6a9<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u2192 \uc810\uc218\uac00 \ub192\uc744\uc218\ub85d \ub354 \ub0ae\uc740 \uc774\uc790\uc728\uc744 \uc801\uc6a9\ubc1b\uc544 \uc774\uc790 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74\uc5d0 \uc810\uc218\uac00 \ub0ae\uc73c\uba74 \uae08\ub9ac\uac00 \ub192\uc544\uc838 \uc774\uc790 \ubd80\ub2f4\uc774 \ucee4\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ub80c\ud2b8\u00b7\uc790\ub3d9\ucc28 \ub9ac\uc2a4\u00b7\ubcf4\ud5d8\ub8cc\uc5d0\ub3c4 \uc601\ud5a5<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u2192 \uc810\uc218\uac00 \ub0ae\uc73c\uba74 \ubcf4\uc99d\uae08\uc774 \ub192\uc544\uc9c0\uace0 \ubcf4\ud5d8\ub8cc\ub3c4 \ub354 \ube44\uc2f8\uc9c8 \uc218 \uc788\uc5b4\uc694.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc2e0\uc6a9\uce74\ub4dc \ud55c\ub3c4 \ubc0f \ud61c\ud0dd \ucc28\uc774 \ubc1c\uc0dd<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u2192 \uc88b\uc740 \uc810\uc218\uc77c\uc218\ub85d \uce74\ub4dc \ud55c\ub3c4\uac00 \ub192\uace0, \ub2e4\uc591\ud55c \ud61c\ud0dd\uc774 \uc81c\uacf5\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><br><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\ub97c \ube60\ub974\uac8c \ub192\uc774\ub294 \ubc29\ubc95<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\uc5f0\uccb4 \uc5c6\uc774 \ub9e4\ub2ec \uc81c\ub54c \uacb0\uc81c<\/strong><br>\u2192 \uc9c0\ubd88 \uae30\ud55c\uc744 \ub193\uce58\uc9c0 \uc54a\uace0 \ucd5c\uc18c \uacb0\uc81c \uae08\uc561\uc774\ub77c\ub3c4 \ub0a9\ubd80\ud558\uc138\uc694.<\/li>\n\n\n\n<li><strong>\uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\ub960 30% \uc774\ud558\ub85c \uc720\uc9c0<\/strong><br>\u2192 \ud55c\ub3c4 \ub300\ube44 \uc0ac\uc6a9 \ube44\uc728\uc744 \ub0ae\uac8c \uc720\uc9c0\ud558\uba74 \uc810\uc218\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ubd88\ud544\uc694\ud55c \uc2e0\uaddc \uacc4\uc88c \uac1c\uc124 \uc9c0\uc591<\/strong><br>\u2192 \ub2e8\uae30\uac04\uc5d0 \uc5ec\ub7ec \uce74\ub4dc\ub098 \ub300\ucd9c\uc744 \uc2e0\uccad\ud558\uba74 \uc2e0\uc6a9\uc810\uc218\uac00 \ud558\ub77d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc624\ub798\ub41c \uacc4\uc88c \uc720\uc9c0<\/strong><br>\u2192 \uc2e0\uc6a9 \uc774\ub825\uc774 \uc624\ub798\ub420\uc218\ub85d \uae0d\uc815\uc801\uc778 \ud3c9\uac00\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc2e0\uc6a9\ub9ac\ud3ec\ud2b8 \uc8fc\uae30\uc801\uc73c\ub85c \ud655\uc778<\/strong><br>\u2192 Equifax, Experian, TransUnion\uc758 \ubb34\ub8cc \ubcf4\uace0\uc11c\ub97c \ud1b5\ud574 \uc624\ub958\ub97c \ubc1c\uacac\ud558\uace0 \uc218\uc815\ud558\uc138\uc694.<\/li>\n<\/ol>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ud06c\ub808\ub527\uc810\uc218-\uad00\ub9ac-\uc2dc-\uaf2d-\uc8fc\uc758\ud560-\uc810\"><strong>\ud06c\ub808\ub527\uc810\uc218 \uad00\ub9ac \uc2dc \uaf2d \uc8fc\uc758\ud560 \uc810<\/strong><\/h2>\n\n\n\n<table style=\"width: 100%; border-collapse: collapse;\">\n  <thead>\n    <tr style=\"background-color: #f8f8f8;\">\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\ud56d\ubaa9<\/th>\n      <th style=\"border: 1px solid #ddd; padding: 10px;\">\uc124\uba85<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc815\uae30\uc801\uc778 \uc2e0\uc6a9 \ubcf4\uace0\uc11c \ud655\uc778<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc5f0 1\ud68c \uc774\uc0c1 \ubb34\ub8cc \ubcf4\uace0\uc11c\ub97c \ubc1b\uc544 \uc624\ub958\ub97c \uccb4\ud06c\ud558\uc138\uc694. \uc791\uc740 \uc624\ub958\ub3c4 \uc810\uc218\uc5d0 \ud070 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\ub960 \uad00\ub9ac<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\ud55c\ub3c4 \ub300\ube44 30% \uc774\ud558 \uc0ac\uc6a9\uc774 \uc774\uc0c1\uc801\uc785\ub2c8\ub2e4. \ub192\uc744\uc218\ub85d \ub9ac\uc2a4\ud06c\uac00 \ud06c\ub2e4\uace0 \ud3c9\uac00\ub429\ub2c8\ub2e4.<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uacb0\uc81c \uae30\ud55c \ucca0\uc800\ud788 \uc900\uc218<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\ud55c \ubc88\uc758 \uc5f0\uccb4\ub3c4 \uc810\uc218 \ud558\ub77d\uc758 \uc6d0\uc778\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\ub3d9 \uc774\uccb4\ub97c \ud65c\uc6a9\ud574\ubcf4\uc138\uc694.<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\ubb34\ubd84\ubcc4\ud55c \uc2e0\uc6a9 \uc870\ud68c \uc790\uc81c<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\ub300\ucd9c\uc774\ub098 \uce74\ub4dc \uc2e0\uccad \uc2dc &#8220;Hard Inquiry&#8221;\uac00 \uc0dd\uae30\uba74 \uc77c\uc2dc\uc801\uc778 \uc810\uc218 \ud558\ub77d\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\ub2e4\uc591\ud55c \uc2e0\uc6a9 \ud615\ud0dc \uc720\uc9c0<\/td>\n      <td style=\"border: 1px solid #ddd; padding: 10px;\">\uc2e0\uc6a9\uce74\ub4dc \uc678\uc5d0\ub3c4 \ubaa8\uae30\uc9c0, \uc790\ub3d9\ucc28 \ud560\ubd80 \ub4f1 \ub2e4\uc591\ud55c \uc2e0\uc6a9 \uacc4\uc88c\ub97c \uc801\uc808\ud788 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q1. \ud55c\uad6d \uc2e0\uc6a9\uc810\uc218\ub294 \ubbf8\uad6d\uc5d0\uc11c \ud1b5\ud558\ub098\uc694?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc544\ub2c8\uc694, \ubbf8\uad6d\uc740 \uc790\uccb4 \ud06c\ub808\ub527 \ud3c9\uac00 \uc2dc\uc2a4\ud15c\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc77c\ubd80 \ub300\ucd9c \uae30\uad00\uc5d0\uc11c\ub294 \ud55c\uad6d \uc2e0\uc6a9\uc810\uc218\ub97c \ucc38\uace0\ud558\uc5ec \ub300\ucd9c \uc2ec\uc0ac\ub97c \uc9c4\ud589\ud560 \uc218 \uc788\uc9c0\ub9cc, \ubaa8\ub4e0 \ub80c\ub354\uac00 \uc774\ub97c \uc778\uc815\ud558\ub294 \uac83\uc740 \uc544\ub2c8\ubbc0\ub85c <strong>\uc0ac\uc804 \ud655\uc778\uc774 \ud544\uc694<\/strong>\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q2. \ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\uac00 \ub0ae\uc73c\uba74 \uc9d1\uc744 \ubabb \uc0ac\ub098\uc694?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2e0\uc6a9\ub4f1\uae09\uc774 \ub0ae\uc544\ub3c4 FHA Loan, Non-QM\ub300\ucd9c\uc774\ub098 Foreign National Loan \ub4f1 <strong>\ub300\uccb4 \uc0c1\ud488<\/strong>\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\uc5b4 \uc2e0\uc6a9 \uc774\ub825\uc774 \ubd80\uc871\ud558\uac70\ub098 \uc5c6\ub294 \uad6c\ub9e4\uc790\ub3c4 \ubbf8\uad6d \uc8fc\ud0dd \uad6c\ub9e4\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q3. \ubbf8\uad6d \uc2e0\uc6a9\uc810\uc218\uac00 \uc5c6\ub294 \uc678\uad6d\uc778\ub3c4 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub124, \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc77c\ubc18 \ub300\ucd9c\uae30\uad00\uc5d0\uc11c\ub294 <strong>\uae30\ubcf8\uc801\uc73c\ub85c 680\uc810 \uae30\uc900\uc73c\ub85c \ud3c9\uac00<\/strong>\ud558\uc9c0\ub9cc, \ubbf8\uad6d \ub0b4 \uc2e0\uc6a9\uc774\ub825\uc774 \uc5c6\ub294 \uacbd\uc6b0 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <strong><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=usawiki_creditscore&amp;utm_content=usawiki_creditscore_kr\">Loaning.ai<\/a>\ub294 \uac70\uc8fc \uad6d\uac00\uc758 \uc2e0\uc6a9\ub9ac\ud3ec\ud2b8\ub97c \uc81c\ucd9c\ud558\uba74 680\uc810 \uae30\uc900\uc73c\ub85c \uac04\uc8fc\ud558\uc5ec Foreign National Loan \uc2ec\uc0ac\uc5d0 \ud65c\uc6a9<\/strong>\ud558\ubbc0\ub85c, <strong>\uc2e0\uc6a9\uc810\uc218\uac00 \uc5c6\uc5b4\ub3c4 \ub300\ucd9c \uc2b9\uc778 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4.<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q4. \ubbf8\uad6d\uc5d0\uc11c \uc2e0\uc6a9\uc810\uc218\ub97c \uc313\uc740 \uc678\uad6d\uc778\uc740 \ub300\ucd9c \uc870\uac74\uc774 \ub354 \uc88b\uc544\uc9c0\ub098\uc694?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub9de\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c \uc2e4\uc81c \uc2e0\uc6a9 \uc774\ub825\uc744 \uac16\uace0 \uc788\uace0(\uc608\ub97c \ub4e4\uc5b4, \uc774\uc804\uc5d0 \ubbf8\uad6d\uc5d0 \uac70\uc8fc\ud558\uc5ec \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \ubc1b\uc544 \uc9d1\uc744 \uad6c\ub9e4\ud558\uace0 \ub9e4\uc6d4 \ubaa8\uae30\uc9c0\ub97c \uc0c1\ud658\ud55c \uacbd\uc6b0), \uadf8 \uc810\uc218\uac00 680\uc810 \uc774\uc0c1\uc774\ub77c\uba74 <strong>\ub354 \ub0ae\uc740 \uae08\ub9ac\ub85c \ub300\ucd9c\uc744 \ubc1b\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4.<\/strong><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=usawiki_creditscore&amp;utm_content=usawiki_creditscore_kr\"> Loaning.ai<\/a>\ub294 \uc774\ucc98\ub7fc \uc2e0\uc6a9\uc774\ub825 \ubcf4\uc720 \uc678\uad6d\uc778\uc758 \uacbd\uc6b0\ub3c4 \uac1c\ubcc4 \uc870\uac74\uc5d0 \ub530\ub77c <strong>\uae08\ub9ac \ud61c\ud0dd\uc744 \uc801\uc6a9<\/strong>\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q5. \uc678\uad6d\uc778\uc774 \ubbf8\uad6d \ub0b4\uc5d0\uc11c \uc2e0\uc6a9\uc810\uc218\ub97c \uc313\ub294 \uac00\uc7a5 \ube60\ub978 \ubc29\ubc95\uc740?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubcf4\ud1b5 <strong>Secured Credit Card \uac1c\uc124<\/strong>, <strong>\ub80c\ud2b8\ub098 \uc720\ud2f8\ub9ac\ud2f0 \uc694\uae08 \uc131\uc2e4 \ub0a9\ubd80<\/strong>, <strong>\ubbf8\uad6d \ub0b4 \uacf5\ub3d9 \uacc4\uc88c \uac1c\uc124<\/strong> \ub4f1\uc744 \ud1b5\ud574 \uc2e0\uc6a9\uc774\ub825\uc744 \uc313\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc2dc\uac04\uc774 \uac78\ub9ac\ubbc0\ub85c, \ucd08\uae30\uc5d0\ub294 <strong>\uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774\ub3c4 \uac00\ub2a5\ud55c \uc678\uad6d\uc778 \uc804\uc6a9 \ub300\ucd9c \uc0c1\ud488<\/strong>\uc744 \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/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\"><strong>\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218, \ud55c\ub208\uc5d0 \uc694\uc57d\ud558\uba74<\/strong><\/h2>\n\n\n\n<p>\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\ub294 \uae08\uc735 \uac70\ub798\uc758 \uc2e0\ub8b0\ub3c4\ub97c \uc218\uce58\ud654\ud55c \uae30\uc900\uc73c\ub85c, <strong>\ubaa8\uae30\uc9c0 \uc2b9\uc778\ubd80\ud130 \uc774\uc790\uc728\uae4c\uc9c0 \uacb0\uc815\uc9d3\ub294 \ud575\uc2ec \uc9c0\ud45c<\/strong>\uc785\ub2c8\ub2e4. \uc678\uad6d\uc778\uc774\ub77c\ub3c4 \uc810\uc218 \uc5c6\uc774 \ub300\ucd9c \uac00\ub2a5\ud55c \uc0c1\ud488\ub3c4 \uc788\uc73c\ub2c8, <strong>\ud604\uc7ac \uc0c1\ud669\uc5d0 \ub9de\ub294 \uc635\uc158\uc744 \uc815\ud655\ud788 \ud30c\uc545\ud558\ub294 \uac83<\/strong>\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=usawiki_creditscore&amp;utm_content=usawiki_creditscore_kr\">Loaning.ai<\/a>\uc5d0\uc11c\ub294 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774 \uc2e0\uccad \uac00\ub2a5\ud55c Foreign National Loan\uc744 \ud3ec\ud568\ud574\uc11c \ub2e4\uc591\ud55c \ub300\ucd9c \uc0c1\ud488\uc744 \ube44\uad50\ud558\uace0 \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4!<\/p>\n\n\n\n<p>\uad00\ub828 \ucf58\ud150\uce20 \ubcf4\ub7ec \uac00\uae30<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/blog.loaning.ai\/ko\/7794\/\">\ubbf8\uad6d \uc2e0\uc6a9\uc810\uc218, \ud55c\uad6d\uacfc \ub2e4\ub97c\uae4c? | \ud55c\uc778 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uac00\uc774\ub4dc<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/blog.loaning.ai\/ko\/7955\/\">\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2e0\uc6a9\uc810\uc218 \uc5c6\uc774 \ubc1b\ub294 \ubc95 (\ube44\uc601\uc8fc\uad8c\uc790, \uc720\ud559\uc0dd, \uc678\uad6d\uc778 \ud22c\uc790\uc790\ub97c \uc704\ud55c \uac00\uc774\ub4dc)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/blog.loaning.ai\/ko\/8471\/\">\ubaa8\uae30\uc9c0\ub780? \ubbf8\uad6d \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\ub77c\uba74 \uaf2d \uc54c\uc544\uc57c \ud560 \ud544\uc218 \uc6a9\uc5b4<\/a><\/li>\n<\/ul>\n\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\">\n<a class=\"wp-block-button__link wp-element-button\"\nhref=\"https:\/\/loaning.ai\/ko\/AIMortgageRate?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=usawiki_creditscore&#038;utm_content=usawiki_creditscore_kr\"\nstyle=\"background-color: #2AC052; color: #FFFFFF;\">\n\ud06c\ub808\ub527\uc810\uc218 \uc785\ub825\ud558\uace0 \ub0b4 \ubaa8\uae30\uc9c0 \uae08\ub9ac \ud655\uc778\ud558\uae30\n<\/a>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\ub780? (Credit Score) \ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218(Credit Score)\ub294 \uac1c\uc778\uc758 \uc2e0\uc6a9\ub3c4\ub97c \uc218\uce58\ub85c \ub098\ud0c0\ub0b8 \uc9c0\ud45c\ub85c, \ub300\ucd9c \uac00\ub2a5 \uc5ec\ubd80\uc640 \uae08\ub9ac \uacb0\uc815\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc810\uc218\ub294 300\uc810\uc5d0\uc11c 850\uc810 \uc0ac\uc774\ub85c \ub9e4\uaca8\uc9c0\uba70, \uc810\uc218\uac00 \ub192\uc744\uc218\ub85d \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc2e0\uc6a9\uc774 \ub192\ub2e4\uace0 \ud310\ub2e8\ud569\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\uac70\ub098 \ubaa8\uae30\uc9c0\ub97c \uc2e0\uccad\ud560 \ub54c, \uc774 \uc810\uc218\ub294 \uc2b9\uc778 \uc5ec\ubd80\uc5d0 \uac00\uc7a5 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uae30\uc900 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\uc758 \ud575\uc2ec \uac1c\ub150 \ubbf8\uad6d\uc5d0\uc11c \ud06c\ub808\ub527\uc810\uc218\ub294 \uae08\uc735 [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":8631,"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":[955],"tags":[],"class_list":["post-8630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-955"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ubbf8\uad6d \ud06c\ub808\ub527\uc810\uc218\ub780? 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