{"id":9140,"date":"2025-05-15T18:33:29","date_gmt":"2025-05-15T09:33:29","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=9140"},"modified":"2026-03-17T18:54:04","modified_gmt":"2026-03-17T09:54:04","slug":"%eb%af%b8%ea%b5%ad-%eb%aa%a8%ea%b8%b0%ec%a7%80-%ed%8f%ac%ec%9d%b8%ed%8a%b8%eb%9e%80-%ea%b8%88%eb%a6%ac-%eb%82%ae%ec%b6%94%ea%b3%a0-%ec%9d%b4%ec%9e%90-%ec%88%98%ec%b2%9c-%eb%8b%ac%eb%9f%ac-%ec%a4%84","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/9140\/","title":{"rendered":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95 (\uc7a5\uae30 \uac70\uc8fc\uc790\u00b7\ud22c\uc790\uc790 \ud544\ub3c5)"},"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\/05\/250515_USAwiki_Points_th.png\" alt=\"\" class=\"wp-image-9142\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th.png 1020w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th-750x540.png 750w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/figure>\n\n\n\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubaa8\uae30\uc9c0-\ud3ec\uc778\ud2b8\ub780-\ubb34\uc5c7\uc778\uac00\uc694\"><strong>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group signal-example-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div style=\"background-color: #e7f5ec; padding: 16px; border-radius: 6px; font-size: 15px; line-height: 1.6;\">\n  \ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780 \ub300\ucd9c \uae08\uc561\uc758 \uc77c\uc815 \ube44\uc728(\ubcf4\ud1b5 1%)\uc744 \uc120\ub0a9\ud574\uc11c, \ub300\ucd9c \uae08\ub9ac\ub97c \ub0ae\ucd94\ub294 \uc218\uc218\ub8cc\uc785\ub2c8\ub2e4. \n  \uc774 \ud3ec\uc778\ud2b8\ub294 \u2018\ub514\uc2a4\uce74\uc6b4\ud2b8 \ud3ec\uc778\ud2b8(Discount Point)\u2019\ub77c\uace0\ub3c4 \ubd88\ub9ac\uba70, \n  <strong>\uc7a5\uae30 \ub300\ucd9c\uc790\uc5d0\uac8c \ucd1d \uc774\uc790 \ube44\uc6a9\uc744 \uc904\uc5ec\uc8fc\ub294 \uc804\ub7b5\uc801\uc778 \uc120\ud0dd<\/strong>\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/div>\n<\/div><\/div>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1\ud3ec\uc778\ud2b8 = \ub300\ucd9c\uae08\uc758 1% \u2192 $300,000 \ub300\ucd9c \uc2dc 1\ud3ec\uc778\ud2b8\ub294 $3,000<\/li>\n\n\n\n<li>\ubcf4\ud1b5 1\ud3ec\uc778\ud2b8\ub2f9 \uc57d 0.25% \uae08\ub9ac \uc778\ud558 \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<p>\uc989, \ud3ec\uc778\ud2b8\ub97c \ub0b4\uba74 \ub9e4\ub2ec \ub0b4\uc57c \ud558\ub294 \uc774\uc790\uac00 \uc904\uc5b4\ub4e4\uace0, \ub300\ucd9c \uae30\uac04\uc774 \uae38\uc218\ub85d \uadf8 \uc808\uac10 \ud6a8\uacfc\ub294 \ub354 \ucee4\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<p><br><\/p>\n\n\n<\/p>\n<hr>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubaa8\uae30\uc9c0-\ud3ec\uc778\ud2b8\ub97c-\ubaa8\ub974\uba74-\uc0dd\uae38-\uc218-\uc788\ub294-\ubb38\uc81c\"><strong>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub97c \ubaa8\ub974\uba74 \uc0dd\uae38 \uc218 \uc788\ub294 \ubb38\uc81c<\/strong><\/h2>\n\n\n\n<p>\ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub294 \uc120\ud0dd\uc0ac\ud56d\uc774\uc9c0\ub9cc, \uc798 \ubaa8\ub974\uba74 \ub2e4\uc74c\uacfc \uac19\uc740 \uc190\ud574\ub97c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae08\ub9ac\ub9cc \ubcf4\uace0 \ub300\ucd9c\uc744 \uc120\ud0dd\ud558\uba74 \u2192 \ud3ec\uc778\ud2b8\ub97c \ud3ec\ud568\ud55c \uc9c4\uc9dc \ucd1d \ube44\uc6a9\uc744 \ub193\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ub2e8\uae30 \uac70\uc8fc\uc790\uc778\ub370 \ud3ec\uc778\ud2b8\ub97c \ub0c8\ub2e4\uba74 \u2192 \uc808\uac10 \ud6a8\uacfc\ub97c \ud68c\uc218\ud558\uc9c0 \ubabb\ud574 \uc624\ud788\ub824 \uc190\ud574\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ub80c\ub354\ub9c8\ub2e4 \uc870\uac74 \ube44\uad50 \uc5c6\uc774 \uacc4\uc57d\ud558\uba74 \u2192 \ubd88\ub9ac\ud55c \uae08\ub9ac\uc5d0 \ub192\uc740 \uc6d4 \uc0c1\ud658\uc561\uc744 \ubd80\ub2f4\ud558\uac8c \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><br><\/p>\n\n\n<\/p>\n<hr \/>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\uc5b4\ub5a4-\uc0c1\ud669\uc5d0\uc11c-\ubaa8\uae30\uc9c0-\ud3ec\uc778\ud2b8\uac00-\uc720\ub9ac\ud558\uace0-\uc5b8\uc81c-\ubd88\ub9ac\ud560\uae4c\uc694\"><strong>\uc5b4\ub5a4 \uc0c1\ud669\uc5d0\uc11c \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\uac00 \uc720\ub9ac\ud558\uace0, \uc5b8\uc81c \ubd88\ub9ac\ud560\uae4c\uc694?<\/strong><\/h2>\n\n\n\n<table>\n<thead>\n<tr><th>\uc870\uac74<\/th><th>\uc720\ub9ac\ud55c \uacbd\uc6b0<\/th><th>\ubd88\ub9ac\ud55c \uacbd\uc6b0<\/th><\/tr>\n<\/thead>\n<tbody>\n<tr><td>\uac70\uc8fc\/\ubcf4\uc720 \uae30\uac04<\/td><td>\uc7a5\uae30 \uac70\uc8fc \ub610\ub294 \uc7a5\uae30 \ud22c\uc790<\/td><td>3~4\ub144 \ub0b4 \ub9e4\ub3c4, \ub9ac\ud30c\uc774\ub0b8\uc2f1 \uc608\uc815<\/td><\/tr>\n<tr><td>\ub300\ucd9c \uad6c\uc870<\/td><td>30\ub144 \uace0\uc815\uae08\ub9ac<\/td><td>\ub2e8\uae30 \ubcc0\ub3d9\uae08\ub9ac(ARM)<\/td><\/tr>\n<tr><td>\uae08\ub9ac \uc0c1\ud669<\/td><td>\ud604\uc7ac \uae08\ub9ac\uac00 \ub192\uc740 \uc2dc\uc7a5<\/td><td>\uc774\ubbf8 \ub0ae\uc740 \uae08\ub9ac \uc870\uac74<\/td><\/tr>\n<\/tbody>\n<\/table>\n\n\n\n<p>\ud3ec\uc778\ud2b8\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \uc774\uc790 \uc808\uac10 \ud6a8\uacfc\uac00 \ucee4\uc9c0\ub294 \uad6c\uc870\uc774\uae30 \ub54c\ubb38\uc5d0, \uc7a5\uae30 \ub300\ucd9c\uc790\uc5d0\uac8c \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubc18\uba74, <strong>\ub2e8\uae30 \ubcf4\uc720 \uacc4\ud68d\uc774 \uc788\ub2e4\uba74<\/strong> \ud3ec\uc778\ud2b8\ub97c \ub0b4\uace0\ub3c4 \ud68c\uc218\ud558\uc9c0 \ubabb\ud574 \uc190\ud574\uc77c \uc218 \uc788\uc5b4\uc694.<\/p>\n\n\n\n<p><br><\/p>\n\n\n<\/p>\n<hr>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ub204\uad6c\uc5d0\uac8c-\ubaa8\uae30\uc9c0-\ud3ec\uc778\ud2b8-\uc804\ub7b5\uc774-\uc801\ud569\ud55c\uac00\uc694\"><strong>\ub204\uad6c\uc5d0\uac8c \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8 \uc804\ub7b5\uc774 \uc801\ud569\ud55c\uac00\uc694?<\/strong><\/h2>\n\n\n\n<table>\n<thead>\n<tr><th>\ub300\uc0c1<\/th><th>\ucd94\ucc9c \uc804\ub7b5<\/th><th>\uc774\uc720<\/th><\/tr>\n<\/thead>\n<tbody>\n<tr><td><strong>\uc7a5\uae30 \uac70\uc8fc \uc608\uc815 \uc2e4\uc218\uc694\uc790<\/strong><\/td><td>\ud3ec\uc778\ud2b8 1~2\uac1c \ud65c\uc6a9<\/td><td>\ub300\ucd9c \uae30\uac04 \ub0b4 \ucd1d \uc774\uc790 \ubd80\ub2f4 \uc904\uc774\uae30<\/td><\/tr>\n<tr><td><strong>\uc7a5\uae30 \uc784\ub300 \uc218\uc775\uc744 \uae30\ub300\ud558\ub294 \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc790<\/strong><\/td><td>\ud3ec\uc778\ud2b8\ub85c \uc6d4 \ub0a9\uc785\uc561 \ub0ae\ucd94\uae30<\/td><td>DSCR \uac1c\uc120, \uc218\uc775\ub960(ROI) \ud5a5\uc0c1<\/td><\/tr>\n<tr><td><strong>\ucd08\uae30 \uc790\uae08 \uc5ec\uc720 \uc788\ub294 \uc8fc\ud0dd \uad6c\ub9e4\uc790<\/strong><\/td><td>\ub2e4\uc6b4\ud398\uc774\uc640 \ud3ec\uc778\ud2b8 \ub3d9\uc2dc \ub0a9\ubd80<\/td><td>\uc7a5\uae30 \uc808\uac10 \ud6a8\uacfc \ud655\ubcf4, \uc6d4 \uc0c1\ud658\uc561 \uc548\uc815<\/td><\/tr>\n<tr><td><strong>\ub300\ucd9c \uc2ec\uc0ac \ud1b5\uacfc\uac00 \uc911\uc694\ud55c \uc2e0\uccad\uc790<\/strong><\/td><td>\ud3ec\uc778\ud2b8 \ud65c\uc6a9\ud574 \uc6d4 \ub0a9\uc785\uc561 \uc870\uc808<\/td><td>\ub0ae\uc740 DTI\ub85c \uc2b9\uc778 \uac00\ub2a5\uc131 \uc99d\uac00<\/td><\/tr>\n<\/tbody>\n<\/table>\n\n\n\n<p><\/p>\n\n\n\n<p>\ub0b4 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ud3ec\uc778\ud2b8 \uc804\ub7b5\uc774 \ub9de\ub294\uc9c0 \ud310\ub2e8\ud588\ub2e4\uba74, \uc774\uc81c\ub294 \uc5b4\ub5a4 \ub300\ucd9c \uc870\uac74\uc774 \uac00\uc7a5 \uc720\ub9ac\ud55c\uc9c0 \ube44\uad50\ud560 \ucc28\ub840\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><br><\/p>\n\n\n<\/p>\n<hr>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubaa8\uae30\uc9c0-\ub300\ucd9c-\uc5b4\ub5bb\uac8c-\ube44\uad50\ud574\uc57c-\uc720\ub9ac\ud560\uae4c\"><strong>\ubaa8\uae30\uc9c0 \ub300\ucd9c, \uc5b4\ub5bb\uac8c \ube44\uad50\ud574\uc57c \uc720\ub9ac\ud560\uae4c?<\/strong><\/h2>\n\n\n\n<p>\ub9ce\uc740 \ubd84\ub4e4\uc774 \u201c\uae08\ub9ac\ub9cc \ub0ae\uc73c\uba74 \uc88b\uc740 \ub300\ucd9c\uc774\ub2e4\u201d\ub77c\uace0 \uc0dd\uac01\ud558\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \uae08\ub9ac \uc678\uc5d0\ub3c4 APR(\uc5f0\uc774\uc728), \ud3ec\uc778\ud2b8 \ube44\uc6a9\uae4c\uc9c0 \ud568\uaed8 \ube44\uad50\ud574\uc57c \ucd1d \ub300\ucd9c \ube44\uc6a9\uc744 \uc815\ud655\ud788 \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub80c\ub354\ub9c8\ub2e4 \ud3ec\uc778\ud2b8\ub2f9 \uae08\ub9ac \uc778\ud558\uc728\uc774 \ub2e4\ub974\uace0, \uc5b4\ub5a4 \uacf3\uc740 1\ud3ec\uc778\ud2b8\uc5d0 0.25%\ub97c \ub0ae\ucdb0\uc8fc\uc9c0\ub9cc \uc5b4\ub5a4 \uacf3\uc740 0.125%\ub9cc \uc801\uc6a9\ud558\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub530\ub77c\uc11c <strong>\uae08\ub9ac + APR + \ud3ec\uc778\ud2b8 \ube44\uc6a9<\/strong>\uc744 \ubaa8\ub450 \ub530\uc838\ubcf4\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<br><br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-loaning-ai-\uc758-\uc2e4\uc81c-\ubbf8\uad6d-\ubaa8\uae30\uc9c0-\ud3ec\uc778\ud2b8-\ubc0f-\uae08\ub9ac-\ube44\uad50-\uc0ac\ub840\"><strong><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=USAwiki_points&amp;utm_content=USAwiki_points\">Loaning.ai<\/a>\uc758 \uc2e4\uc81c \ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8 \ubc0f \uae08\ub9ac \ube44\uad50 \uc0ac\ub840<\/strong><\/h3>\n\n\n\n<table>\n<thead>\n<tr><th>\ubaa8\uae30\uc9c0 \ub300\ucd9c\uae30\uad00<\/th><th>\uae08\ub9ac<\/th><th>APR<\/th><th>\ud3ec\uc778\ud2b8<\/th><\/tr>\n<\/thead>\n<tbody>\n<tr><td><strong>Loaning.ai<\/strong><\/td><td><strong>6.125%<\/strong><\/td><td><strong>6.241%<\/strong><\/td><td><strong>$6,125.00<\/strong><\/td><\/tr>\n<tr><td>S\uc0ac<\/td><td>6.250%<\/td><td>6.477%<\/td><td>$14,854.00<\/td><\/tr>\n<tr><td>R\uc0ac<\/td><td>6.375%<\/td><td>6.423%<\/td><td>$7,399.00<\/td><\/tr>\n<tr><td>W\uc0ac<\/td><td>6.625%<\/td><td>6.776%<\/td><td>$6,125.00<\/td><\/tr>\n<tr><td>C\uc0ac<\/td><td>6.625%<\/td><td>6.756%<\/td><td>$7,679.00<\/td><\/tr>\n<\/tbody>\n<\/table>\n\n\n\n<p>*\uc5ec\uae30 \ud45c\uc2dc\ub41c \uae08\ub9ac\ub294 \uc77c\ubc18\uc801\uc778 \uc870\uac74 \uae30\uc900\uc785\ub2c8\ub2e4. (2\ub144 \uc774\uc0c1 \uc138\uae08 \ubcf4\uace0, FICO 740\uc810, \uc2dc\ubbfc\uad8c\uc790, \ub2e8\ub3c5\uc8fc\ud0dd, DTI 45%, LTV 70%)<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=USAwiki_points&amp;utm_content=USAwiki_points\">Loaning.ai<\/a>\ub294 \ubbf8\uad6d 5\ub300 \ub300\ucd9c\uae30\uad00 \uc911 \uac00\uc7a5 \ub0ae\uc740 \uae08\ub9ac\uc640 APR, \ub610\ud55c \ud569\ub9ac\uc801\uc778 \ud3ec\uc778\ud2b8\ub97c \uc81c\uacf5<\/strong>\ud558\uace0 \uc788\uc5b4 \uc7a5\uae30 \ub300\ucd9c \uc2dc \uc804\uccb4 \uc0c1\ud658 \ube44\uc6a9\uc744 \uac00\uc7a5 \ud6a8\uacfc\uc801\uc73c\ub85c \uc808\uac10\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uac19\uc740 \ud3ec\uc778\ud2b8($6,125.00)\uc744 \uc9c0\ubd88\ud558\ub354\ub77c\ub3c4, Loaning.ai\ub294 6.125%\uc758 \uae08\ub9ac\uc640 6.241%\uc758 APR\uc744 \uc801\uc6a9\ud574 \uc804\uccb4 \uc0c1\ud658 \ube44\uc6a9\uc774 \uac00\uc7a5 \uc801\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ubc18\uba74 W\uc0ac\ub294 \ub3d9\uc77c\ud55c \ud3ec\uc778\ud2b8\ub97c \ubc1b\uace0\ub3c4 \ub354 \ub192\uc740 \uae08\ub9ac(6.625%)\uc640 APR(6.776%)\uc744 \uc801\uc6a9\ud574 \ucd1d \uc774\uc790 \ubd80\ub2f4\uc774 \ud06c\uac8c \uc99d\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><br><\/p>\n\n\n<\/p>\n<hr \/>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ud3ec\uc778\ud2b8-\ud65c\uc6a9-\uc2dc-\uc8fc\uc758\uc0ac\ud56d\"><strong>\ud3ec\uc778\ud2b8 \ud65c\uc6a9 \uc2dc \uc8fc\uc758\uc0ac\ud56d<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ucd08\uae30 \ube44\uc6a9 \uc5ec\uc720\uac00 \uc5c6\ub2e4\uba74 \ud3ec\uc778\ud2b8 \ub0a9\ubd80\ub294 \uc2e0\uc911\ud788 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ub80c\ub354\ub9c8\ub2e4 1\ud3ec\uc778\ud2b8\ub2f9 \uae08\ub9ac \ud560\uc778\uc728 \ub2e4\ub974\ubbc0\ub85c \uc870\uac74 \ube44\uad50\ub294 \ud544\uc218\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ud3ec\uc778\ud2b8\ub294 \ud658\ubd88\ub418\uc9c0 \uc54a\uc73c\ubbc0\ub85c \uc870\uae30 \uc0c1\ud658 \ub610\ub294 \ub2e8\uae30 \uac70\uc8fc \uc608\uc815\uc790\uc5d0\uac8c\ub294 \ubd88\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ubc18\ub4dc\uc2dc APR\uae4c\uc9c0 \ud568\uaed8 \ube44\uad50\ud574 \ucd1d \ube44\uc6a9 \uae30\uc900\uc73c\ub85c \ud310\ub2e8\ud558\uc138\uc694.<\/li>\n<\/ul>\n\n\n\n<p><br><\/p>\n\n\n<\/p>\n<hr>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\uc790\uc8fc-\ubb3b\ub294-\uc9c8\ubb38-faq\"><strong>\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 (FAQ)<\/strong><\/h2>\n\n\n\n<p><strong>Q1. \ud3ec\uc778\ud2b8\ub294 \ubb34\uc870\uac74 \ub0b4\uc57c \ud558\ub098\uc694?<\/strong><br>\n\u2192 \uc544\ub2d9\ub2c8\ub2e4. \uc120\ud0dd \uc0ac\ud56d\uc774\uba70 \uae08\ub9ac\ub97c \ub0ae\ucd94\uace0 \uc2f6\uc740 \uacbd\uc6b0\uc5d0\ub9cc \ub0b4\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>Q2. \ud3ec\uc778\ud2b8\ub294 \ud658\ubd88\ub418\ub098\uc694?<\/strong><br>\n\u2192 \uc77c\ubc18\uc801\uc73c\ub85c\ub294 \ud658\ubd88\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub2e8\uae30 \uac70\uc8fc\ub098 \uc870\uae30 \uc0c1\ud658 \uacc4\ud68d\uc774 \uc788\ub2e4\uba74 \uc720\ub9ac\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>Q3. \ud3ec\uc778\ud2b8\ub97c \ub0b4\uba74 \uae08\ub9ac\uac00 \uc5bc\ub9c8\ub098 \ub0ae\uc544\uc9c0\ub098\uc694?<\/strong><br>\n\u2192 \ubcf4\ud1b5 1\ud3ec\uc778\ud2b8\ub2f9 \uc57d 0.25% \uae08\ub9ac \uc778\ud558 \ud6a8\uacfc\uac00 \uc788\uc9c0\ub9cc, \ub80c\ub354\ub9c8\ub2e4 \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>Q4. \ud3ec\uc778\ud2b8\ub97c \ub0b4\uba74 APR\ub3c4 \ud568\uaed8 \ub0ae\uc544\uc9c0\ub098\uc694?<\/strong><br>\n\u2192 \ub124. \uae08\ub9ac\uac00 \ub0ae\uc544\uc9c0\uba74 APR\ub3c4 \ud568\uaed8 \ub0ae\uc544\uc9c0\uc9c0\ub9cc, \ucd08\uae30 \ube44\uc6a9\uc774 \ub298\uc5b4\ub098\ub294 \uc810\uc740 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><br><\/p>\n\n\n<\/p>\n<hr>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubaa8\uae30\uc9c0-\ud3ec\uc778\ud2b8-\ud55c-\ub208\uc5d0-\uc815\ub9ac\"><strong>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8, \ud55c \ub208\uc5d0 \uc815\ub9ac<\/strong><\/h2>\n\n\n\n<p>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub294 \uae08\ub9ac\ub97c \ub0ae\ucd94\uae30 \uc704\ud574 \uc120\ub0a9\ud558\ub294 \uc218\uc218\ub8cc\ub85c, <strong>\uc7a5\uae30 \uac70\uc8fc\uc790\ub098 \ud22c\uc790 \ubaa9\uc801 \ub300\ucd9c\uc790<\/strong>\uc5d0\uac8c \uc720\ub9ac\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4. \ucd08\uae30 \ube44\uc6a9 \ubd80\ub2f4\uc774 \ud06c\uc9c0 \uc54a\uace0, \ub300\ucd9c\uc744 \uc624\ub79c \uae30\uac04 \uc720\uc9c0\ud560 \uacc4\ud68d\uc774\ub77c\uba74 \ud3ec\uc778\ud2b8\ub294 \uc804\uccb4 \uc774\uc790 \ube44\uc6a9\uc744 \uc904\uc774\ub294 \ud6a8\uacfc\uc801\uc778 \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc9c0\uae08 \ub0b4\uac8c \uc720\ub9ac\ud55c \uae08\ub9ac\uc640 \ud3ec\uc778\ud2b8 \uc870\uac74\uc744 <a href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=USAwiki_points&amp;utm_content=USAwiki_points\">Loaning.ai<\/a>\ub97c \ud1b5\ud574 \uc9c1\uc811 \ube44\uad50\ud574\ubcf4\uc138\uc694!<br>\ub354 \uad81\uae08\ud55c \uc810\uc774 \uc788\uac70\ub098 \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \uc0c1\ub2f4 \ubc1b\uace0 \uc2f6\ub2e4\uba74, <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=USAwiki_points&amp;utm_content=USAwiki_points\">Loaning.ai<\/a>\uc758 \ud55c\uad6d\uc778 \uc0c1\ub2f4\uc6d0\uc5d0\uac8c \ud3b8\ud558\uac8c \ubb38\uc758\ud574\ubcf4\uc138\uc694!<\/p>\n\n\n\n<p><br><\/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\/7568\/\">\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uae08\ub9ac \ube44\uad50\ud560 \ub54c \uaf2d \ubd10\uc57c \ud560 3\uac00\uc9c0 (Rate, APR, \ud3ec\uc778\ud2b8)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/blog.loaning.ai\/ko\/9040\/\">\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uae08\ub9ac\ub780? \uc800\ub834\ud558\uac8c \ubbf8\uad6d \uc9d1 \uc0ac\ub824\uba74 \uae08\ub9ac\ubd80\ud130 \uccb4\ud06c\ud558\uc138\uc694!<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/blog.loaning.ai\/ko\/9101\/\">\ubbf8\uad6d \ubaa8\uae30\uc9c0 APR\uc774\ub780? \ucd5c\uc800\uae08\ub9ac\ubcf4\ub2e4 \uc911\uc694\ud55c \uc774\uc720 (\ub300\ucd9c \ube44\uc6a9 \uc904\uc774\ub294 \ud575\uc2ec \ud3ec\uc778\ud2b8!)<\/a><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=USAwiki_points&amp;utm_content=USAwiki_points\" style=\"background-color:#49cf7e\">\ubbf8\uad6d \uc8fc\uc694 \ub80c\ub354\uc0ac \uae08\ub9ac, APR, \ud3ec\uc778\ud2b8 \ube44\uad50\ud558\uae30<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780 \ubb34\uc5c7\uc778\uac00\uc694? \ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780 \ub300\ucd9c \uae08\uc561\uc758 \uc77c\uc815 \ube44\uc728(\ubcf4\ud1b5 1%)\uc744 \uc120\ub0a9\ud574\uc11c, \ub300\ucd9c \uae08\ub9ac\ub97c \ub0ae\ucd94\ub294 \uc218\uc218\ub8cc\uc785\ub2c8\ub2e4. \uc774 \ud3ec\uc778\ud2b8\ub294 \u2018\ub514\uc2a4\uce74\uc6b4\ud2b8 \ud3ec\uc778\ud2b8(Discount Point)\u2019\ub77c\uace0\ub3c4 \ubd88\ub9ac\uba70, \uc7a5\uae30 \ub300\ucd9c\uc790\uc5d0\uac8c \ucd1d \uc774\uc790 \ube44\uc6a9\uc744 \uc904\uc5ec\uc8fc\ub294 \uc804\ub7b5\uc801\uc778 \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4: \uc989, \ud3ec\uc778\ud2b8\ub97c \ub0b4\uba74 \ub9e4\ub2ec \ub0b4\uc57c \ud558\ub294 \uc774\uc790\uac00 \uc904\uc5b4\ub4e4\uace0, \ub300\ucd9c \uae30\uac04\uc774 \uae38\uc218\ub85d \uadf8 \uc808\uac10 \ud6a8\uacfc\ub294 \ub354 \ucee4\uc9d1\ub2c8\ub2e4. \ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub97c [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":9142,"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-9140","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 \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95<\/title>\n<meta name=\"description\" content=\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub294 \uae08\ub9ac\ub97c \ub0ae\ucd94\uae30 \uc704\ud574 \uc120\ub0a9\ud558\ub294 \uc218\uc218\ub8cc\ub85c, \uc7a5\uae30 \uac70\uc8fc\uc790\ub098 \ud22c\uc790 \ubaa9\uc801 \ub300\ucd9c\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4. \ucd1d \uc774\uc790 \ube44\uc6a9\uc744 \uc904\uc5ec\uc8fc\uae30 \ub54c\ubb38\uc774\uc8e0. \uc9c0\uae08 \ub0b4\uac8c \uc720\ub9ac\ud55c \uae08\ub9ac\uc640 \ud3ec\uc778\ud2b8 \uc870\uac74\uc744 \ube44\uad50\ud574\ubcf4\uc138\uc694!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.loaning.ai\/ko\/9140\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95 (\uc7a5\uae30 \uac70\uc8fc\uc790\u00b7\ud22c\uc790\uc790 \ud544\ub3c5)\" \/>\n<meta property=\"og:description\" content=\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub294 \uae08\ub9ac\ub97c \ub0ae\ucd94\uae30 \uc704\ud574 \uc120\ub0a9\ud558\ub294 \uc218\uc218\ub8cc\ub85c, \uc7a5\uae30 \uac70\uc8fc\uc790\ub098 \ud22c\uc790 \ubaa9\uc801 \ub300\ucd9c\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4. \ucd1d \uc774\uc790 \ube44\uc6a9\uc744 \uc904\uc5ec\uc8fc\uae30 \ub54c\ubb38\uc774\uc8e0. \uc9c0\uae08 \ub0b4\uac8c \uc720\ub9ac\ud55c \uae08\ub9ac\uc640 \ud3ec\uc778\ud2b8 \uc870\uac74\uc744 \ube44\uad50\ud574\ubcf4\uc138\uc694!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/ko\/9140\/\" \/>\n<meta property=\"og:site_name\" content=\"\ubbf8\uad6d 30\ub144 \ubaa8\uae30\uc9c0 \uae08\ub9ac | \ub85c\ub2ddAI \ube14\ub85c\uadf8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-15T09:33:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-17T09:54:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1020\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"dwlee\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"dwlee\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"5\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/\"},\"author\":{\"name\":\"dwlee\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/person\\\/142a1326a9b3c62452888d2aa1a427c5\"},\"headline\":\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95 (\uc7a5\uae30 \uac70\uc8fc\uc790\u00b7\ud22c\uc790\uc790 \ud544\ub3c5)\",\"datePublished\":\"2025-05-15T09:33:29+00:00\",\"dateModified\":\"2026-03-17T09:54:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/\"},\"wordCount\":44,\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/250515_USAwiki_Points_th.png\",\"articleSection\":[\"\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uc6a9\uc5b4\"],\"inLanguage\":\"ko-KR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/\",\"name\":\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/250515_USAwiki_Points_th.png\",\"datePublished\":\"2025-05-15T09:33:29+00:00\",\"dateModified\":\"2026-03-17T09:54:04+00:00\",\"description\":\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub294 \uae08\ub9ac\ub97c \ub0ae\ucd94\uae30 \uc704\ud574 \uc120\ub0a9\ud558\ub294 \uc218\uc218\ub8cc\ub85c, \uc7a5\uae30 \uac70\uc8fc\uc790\ub098 \ud22c\uc790 \ubaa9\uc801 \ub300\ucd9c\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4. \ucd1d \uc774\uc790 \ube44\uc6a9\uc744 \uc904\uc5ec\uc8fc\uae30 \ub54c\ubb38\uc774\uc8e0. \uc9c0\uae08 \ub0b4\uac8c \uc720\ub9ac\ud55c \uae08\ub9ac\uc640 \ud3ec\uc778\ud2b8 \uc870\uac74\uc744 \ube44\uad50\ud574\ubcf4\uc138\uc694!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/250515_USAwiki_Points_th.png\",\"contentUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/250515_USAwiki_Points_th.png\",\"width\":1020,\"height\":735,\"caption\":\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/9140\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95 (\uc7a5\uae30 \uac70\uc8fc\uc790\u00b7\ud22c\uc790\uc790 \ud544\ub3c5)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#website\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/\",\"name\":\"30 year mortgage rates | LoaningAI Blog\",\"description\":\"Compare 30 year mortgage rates in US\",\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#organization\"},\"alternateName\":\"Compare 30 year mortgage rates today in US\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#organization\",\"name\":\"30 year mortgage rates | LoaningAI Blog\",\"alternateName\":\"Compare 30 year mortgage rates in US\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo-loaning-ai-blog-light.png\",\"contentUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo-loaning-ai-blog-light.png\",\"width\":574,\"height\":130,\"caption\":\"30 year mortgage rates | LoaningAI Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/person\\\/142a1326a9b3c62452888d2aa1a427c5\",\"name\":\"dwlee\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95","description":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub294 \uae08\ub9ac\ub97c \ub0ae\ucd94\uae30 \uc704\ud574 \uc120\ub0a9\ud558\ub294 \uc218\uc218\ub8cc\ub85c, \uc7a5\uae30 \uac70\uc8fc\uc790\ub098 \ud22c\uc790 \ubaa9\uc801 \ub300\ucd9c\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4. \ucd1d \uc774\uc790 \ube44\uc6a9\uc744 \uc904\uc5ec\uc8fc\uae30 \ub54c\ubb38\uc774\uc8e0. \uc9c0\uae08 \ub0b4\uac8c \uc720\ub9ac\ud55c \uae08\ub9ac\uc640 \ud3ec\uc778\ud2b8 \uc870\uac74\uc744 \ube44\uad50\ud574\ubcf4\uc138\uc694!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.loaning.ai\/ko\/9140\/","og_locale":"ko_KR","og_type":"article","og_title":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95 (\uc7a5\uae30 \uac70\uc8fc\uc790\u00b7\ud22c\uc790\uc790 \ud544\ub3c5)","og_description":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub294 \uae08\ub9ac\ub97c \ub0ae\ucd94\uae30 \uc704\ud574 \uc120\ub0a9\ud558\ub294 \uc218\uc218\ub8cc\ub85c, \uc7a5\uae30 \uac70\uc8fc\uc790\ub098 \ud22c\uc790 \ubaa9\uc801 \ub300\ucd9c\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4. \ucd1d \uc774\uc790 \ube44\uc6a9\uc744 \uc904\uc5ec\uc8fc\uae30 \ub54c\ubb38\uc774\uc8e0. \uc9c0\uae08 \ub0b4\uac8c \uc720\ub9ac\ud55c \uae08\ub9ac\uc640 \ud3ec\uc778\ud2b8 \uc870\uac74\uc744 \ube44\uad50\ud574\ubcf4\uc138\uc694!","og_url":"https:\/\/blog.loaning.ai\/ko\/9140\/","og_site_name":"\ubbf8\uad6d 30\ub144 \ubaa8\uae30\uc9c0 \uae08\ub9ac | \ub85c\ub2ddAI \ube14\ub85c\uadf8","article_published_time":"2025-05-15T09:33:29+00:00","article_modified_time":"2026-03-17T09:54:04+00:00","og_image":[{"width":1020,"height":735,"url":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th.png","type":"image\/png"}],"author":"dwlee","twitter_card":"summary_large_image","twitter_misc":{"\uae00\uc4f4\uc774":"dwlee","\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04":"5\ubd84"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.loaning.ai\/ko\/9140\/#article","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/ko\/9140\/"},"author":{"name":"dwlee","@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/person\/142a1326a9b3c62452888d2aa1a427c5"},"headline":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95 (\uc7a5\uae30 \uac70\uc8fc\uc790\u00b7\ud22c\uc790\uc790 \ud544\ub3c5)","datePublished":"2025-05-15T09:33:29+00:00","dateModified":"2026-03-17T09:54:04+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.loaning.ai\/ko\/9140\/"},"wordCount":44,"publisher":{"@id":"https:\/\/blog.loaning.ai\/ko\/#organization"},"image":{"@id":"https:\/\/blog.loaning.ai\/ko\/9140\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th.png","articleSection":["\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uc6a9\uc5b4"],"inLanguage":"ko-KR"},{"@type":"WebPage","@id":"https:\/\/blog.loaning.ai\/ko\/9140\/","url":"https:\/\/blog.loaning.ai\/ko\/9140\/","name":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/ko\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.loaning.ai\/ko\/9140\/#primaryimage"},"image":{"@id":"https:\/\/blog.loaning.ai\/ko\/9140\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th.png","datePublished":"2025-05-15T09:33:29+00:00","dateModified":"2026-03-17T09:54:04+00:00","description":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub294 \uae08\ub9ac\ub97c \ub0ae\ucd94\uae30 \uc704\ud574 \uc120\ub0a9\ud558\ub294 \uc218\uc218\ub8cc\ub85c, \uc7a5\uae30 \uac70\uc8fc\uc790\ub098 \ud22c\uc790 \ubaa9\uc801 \ub300\ucd9c\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4. \ucd1d \uc774\uc790 \ube44\uc6a9\uc744 \uc904\uc5ec\uc8fc\uae30 \ub54c\ubb38\uc774\uc8e0. \uc9c0\uae08 \ub0b4\uac8c \uc720\ub9ac\ud55c \uae08\ub9ac\uc640 \ud3ec\uc778\ud2b8 \uc870\uac74\uc744 \ube44\uad50\ud574\ubcf4\uc138\uc694!","breadcrumb":{"@id":"https:\/\/blog.loaning.ai\/ko\/9140\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.loaning.ai\/ko\/9140\/"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/blog.loaning.ai\/ko\/9140\/#primaryimage","url":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th.png","contentUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250515_USAwiki_Points_th.png","width":1020,"height":735,"caption":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8"},{"@type":"BreadcrumbList","@id":"https:\/\/blog.loaning.ai\/ko\/9140\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blog.loaning.ai\/ko\/"},{"@type":"ListItem","position":2,"name":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\ub780? \uae08\ub9ac \ub0ae\ucd94\uace0 \uc774\uc790 \uc218\ucc9c \ub2ec\ub7ec \uc904\uc774\ub294 \ubc95 (\uc7a5\uae30 \uac70\uc8fc\uc790\u00b7\ud22c\uc790\uc790 \ud544\ub3c5)"}]},{"@type":"WebSite","@id":"https:\/\/blog.loaning.ai\/ko\/#website","url":"https:\/\/blog.loaning.ai\/ko\/","name":"30 year mortgage rates | LoaningAI Blog","description":"Compare 30 year mortgage rates in US","publisher":{"@id":"https:\/\/blog.loaning.ai\/ko\/#organization"},"alternateName":"Compare 30 year mortgage rates today in US","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.loaning.ai\/ko\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":"Organization","@id":"https:\/\/blog.loaning.ai\/ko\/#organization","name":"30 year mortgage rates | LoaningAI Blog","alternateName":"Compare 30 year mortgage rates in US","url":"https:\/\/blog.loaning.ai\/ko\/","logo":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/logo\/image\/","url":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2023\/06\/logo-loaning-ai-blog-light.png","contentUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2023\/06\/logo-loaning-ai-blog-light.png","width":574,"height":130,"caption":"30 year mortgage rates | LoaningAI Blog"},"image":{"@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/person\/142a1326a9b3c62452888d2aa1a427c5","name":"dwlee"}]}},"views":13,"_links":{"self":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts\/9140","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/comments?post=9140"}],"version-history":[{"count":2,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts\/9140\/revisions"}],"predecessor-version":[{"id":9157,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts\/9140\/revisions\/9157"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/media\/9142"}],"wp:attachment":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/media?parent=9140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/categories?post=9140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/tags?post=9140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}