{"id":2986,"date":"2025-08-29T08:46:19","date_gmt":"2025-08-28T23:46:19","guid":{"rendered":"https:\/\/wi-th.com\/?p=2986"},"modified":"2025-08-29T08:46:20","modified_gmt":"2025-08-28T23:46:20","slug":"%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af","status":"publish","type":"post","link":"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/","title":{"rendered":"\u0642\u0631\u0648\u0636 \u0645\u0632\u0627\u062f \u0627\u0644\u0628\u0646\u0627\u0621 \u0628\u0627\u0644\u0645\u0632\u0627\u062f"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">\u062c\u062f\u0648\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">\u062a\u0628\u062f\u064a\u0644<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#%EA%B1%B4%EC%B6%95%EB%AC%BC_%EA%B2%BD%EB%A7%A4%EB%8C%80%EC%B6%9C%EC%9D%B4%EB%9E%80\" >\u0645\u0627 \u0647\u0648 \u0642\u0631\u0636 \u0645\u0632\u0627\u062f \u0627\u0644\u0628\u0646\u0627\u0621\u061f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#1_%EA%B2%BD%EB%A7%A4%EB%8C%80%EC%B6%9C%EC%9D%98_%EA%B8%B0%EB%B3%B8_%EA%B5%AC%EC%A1%B0\" >1- \u0627\u0644\u0647\u064a\u0643\u0644 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0644\u0644\u0642\u0631\u0636 \u0628\u0627\u0644\u0645\u0632\u0627\u062f \u0627\u0644\u0639\u0644\u0646\u064a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#2_%EC%A3%BC%EC%9A%94_%EC%A2%85%EB%A5%98\" >2 - \u0627\u0644\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#3_%EB%8C%80%EC%B6%9C_%EC%A2%85%EB%A5%98%EB%B3%84_%ED%8A%B9%EC%A7%95\" >3- \u0645\u064a\u0632\u0627\u062a \u0643\u0644 \u0646\u0648\u0639 \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0642\u0631\u0648\u0636<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#1_%EA%B2%BD%EB%9D%BD%EC%9E%94%EA%B8%88%EB%8C%80%EC%B6%9C_%EC%A6%89%EC%8B%9C_%EC%9E%94%EA%B8%88%EB%8C%80%EC%B6%9C\" >(1) \u0642\u0631\u0636 \u0631\u0635\u064a\u062f \u0645\u064a\u0631\u064a\u062f\u064a\u0627\u0646 (\u0642\u0631\u0636 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0641\u0648\u0631\u064a)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#2_%EC%82%AC%ED%9B%84%EB%8C%80%EC%B6%9C_%EC%86%8C%EC%9C%A0%EA%B6%8C_%EC%B7%A8%EB%93%9D_%ED%9B%84\" >(2) \u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u0642\u0631\u0636 (\u0628\u0639\u062f \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0644\u0643\u064a\u0629)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#3_%EB%B8%8C%EB%A6%AC%EC%A7%80%EB%A1%A0_Bridge_Loan_%EB%8B%A8%EA%B8%B0_%EC%9E%90%EA%B8%88\" >(3) \u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0645\u0631\u062d\u0644\u064a (\u062a\u0645\u0648\u064a\u0644 \u0642\u0635\u064a\u0631 \u0627\u0644\u0623\u062c\u0644)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#4_PF%C2%B7%EC%82%AC%EC%97%85%EC%9E%90_%EA%B2%BD%EB%A7%A4%EB%8C%80%EC%B6%9C_%EB%B2%95%EC%9D%B8%C2%B7%EC%83%81%EA%B0%80%ED%86%A0%EC%A7%80\" >(4) PF - \u0642\u0631\u0636 \u0645\u0632\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 (\u0627\u0644\u0634\u0631\u0643\u0627\u062a - \u0627\u0644\u0645\u062a\u062c\u0631\/\u0627\u0644\u0623\u0631\u0636)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#4_%EB%8C%80%EC%B6%9C_%EC%A1%B0%EA%B1%B4\" >4- \u0634\u0631\u0648\u0637 \u0627\u0644\u0642\u0631\u0636<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#5_%EC%A0%88%EC%B0%A8\" >\u0665 - \u0627\ufef9\u062c\u0631\u0627\u0621<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#6_%EC%9C%84%ED%97%98%EC%9A%94%EC%86%8C_%EB%8C%80%EC%B6%9C_%EA%B1%B0%EC%A0%88%ED%95%9C%EB%8F%84_%EC%B6%95%EC%86%8C_%EC%82%AC%EC%9C%A0\" >6. \u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062e\u0637\u0631 (\u0623\u0633\u0628\u0627\u0628 \u0631\u0641\u0636 \u0627\u0644\u0642\u0631\u0636 \/ \u062a\u062e\u0641\u064a\u0636 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#7_%EC%9C%A0%EC%9D%98%EC%82%AC%ED%95%AD\" >\u0667 - \u0645\ufefb\u062d\u0638\u0627\u062a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#8_%EC%8B%A4%EC%A0%9C_%EC%98%88%EC%8B%9C_%EC%8B%9C%EB%AE%AC%EB%A0%88%EC%9D%B4%EC%85%98\" >8- \u0645\u062d\u0627\u0643\u0627\u0629 \u0645\u062b\u0627\u0644 \u0648\u0627\u0642\u0639\u064a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#9_%ED%99%9C%EC%9A%A9_%EC%A0%84%EB%9E%B5\" >9 - \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/#10_%EC%9A%94%EC%95%BD\" >10- \u0645\u0644\u062e\u0635<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EA%B1%B4%EC%B6%95%EB%AC%BC_%EA%B2%BD%EB%A7%A4%EB%8C%80%EC%B6%9C%EC%9D%B4%EB%9E%80\"><\/span>\u0645\u0627 \u0647\u0648 \u0642\u0631\u0636 \u0645\u0632\u0627\u062f \u0627\u0644\u0628\u0646\u0627\u0621\u061f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0642\u062a\u0631\u0627\u0636 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0646 \u0645\u0624\u0633\u0633\u0629 \u0645\u0627\u0644\u064a\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0639\u0642\u0627\u0631 (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0645\u0646\u0627\u0632\u0644 \u0648\u0627\u0644\u0645\u062d\u0644\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0623\u0631\u0627\u0636\u064a) \u0627\u0644\u062a\u064a \u062a\u0645 \u0627\u0644\u0641\u0648\u0632 \u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u0632\u0627\u062f \u0627\u0644\u0639\u0644\u0646\u064a \u0643\u0636\u0645\u0627\u0646.<\/li>\n\n\n\n<li>\u0628\u0634\u0643\u0644 \u0623\u0633\u0627\u0633\u064a <strong>\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u0639\u0631\u0636 \u0627\u0644\u0641\u0627\u0626\u0632<\/strong>\u0648\u0646\u0638\u0631\u064b\u0627 \u0644\u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0645\u0632\u0627\u062f\u060c \u062a\u0643\u0648\u0646 \u0646\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0636 \u0625\u0644\u0649 \u0627\u0644\u0642\u064a\u0645\u0629 (LTV) \u0623\u0642\u0644 \u0645\u0645\u0627 \u0647\u064a \u0639\u0644\u064a\u0647 \u0641\u064a \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a \u0644\u0623\u0646 \u0627\u0644\u0645\u0632\u0627\u062f \u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%EA%B2%BD%EB%A7%A4%EB%8C%80%EC%B6%9C%EC%9D%98_%EA%B8%B0%EB%B3%B8_%EA%B5%AC%EC%A1%B0\"><\/span>1- \u0627\u0644\u0647\u064a\u0643\u0644 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0644\u0644\u0642\u0631\u0636 \u0628\u0627\u0644\u0645\u0632\u0627\u062f \u0627\u0644\u0639\u0644\u0646\u064a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u063a\u0631\u0636<\/strong>:: \u062f\u0641\u0639 \u0631\u0635\u064a\u062f \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0645 \u0627\u0644\u0641\u0648\u0632 \u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u0632\u0627\u062f \u0627\u0644\u0639\u0644\u0646\u064a \u0623\u0648 \u062a\u0623\u0645\u064a\u0646 \u0623\u0645\u0648\u0627\u0644 \u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u0645\u0632\u0627\u062f.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0641\u0627\u062a<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0635\u0641\u0642\u0627\u062a \u0627\u0644\u0639\u0627\u062f\u064a\u0629\u060c \u0641\u0625\u0646 <strong>\u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0628\u0639\u062f \u062a\u0623\u0643\u064a\u062f \u0639\u0642\u062f \u0627\u0644\u0628\u064a\u0639 + \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0644\u0643\u064a\u0629<\/strong> \u2192 \u0627\u0644\u0642\u0631\u0648\u0636.<\/li>\n\n\n\n<li>\u0627\u0644\u0645\u0632\u0627\u062f \u0639\u0628\u0627\u0631\u0629 \u0639\u0646 <strong>\u0645\u0632\u0627\u062f \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u2192 \u0642\u0628\u0644 \u0646\u0642\u0644 \u0627\u0644\u0645\u0644\u0643\u064a\u0629<\/strong>\u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u0644\u0645\u0627\u0644 \u0645\u0646 \u0623\u062c\u0644 \u2192 \u0647\u064a\u0643\u0644 \u0627\u0644\u0642\u0631\u0636 \u0645\u062e\u062a\u0644\u0641.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0645\u0639\u0627\u064a\u064a\u0631 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0639\u0631\u0636 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0648\u0627\u0644\u0639\u0631\u0636 \u0627\u0644\u0641\u0627\u0626\u0632 \u0648\u0633\u0639\u0631 \u0627\u0644\u0633\u0648\u0642 \u0645\u0639\u064b\u0627 <strong>\u0628\u0623\u0642\u0644 \u0645\u0628\u0644\u063a<\/strong>\u0644\u062d\u0633\u0627\u0628 \u062d\u062f \u0627\u0644\u0642\u0631\u0636<\/li>\n\n\n\n<li>(\u0645\u062b\u0627\u0644: \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0642\u064a\u0651\u0645\u0629 500 \u0645\u0644\u064a\u0648\u0646\u060c \u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 4.5 \u0645\u0644\u064a\u0648\u0646\u060c \u0648\u0627\u0644\u0639\u0637\u0627\u0621 \u0627\u0644\u0641\u0627\u0626\u0632 3.5 \u0645\u0644\u064a\u0648\u0646 \u2190 \u0627\u0644\u0623\u0633\u0627\u0633 3.5 \u0645\u0644\u064a\u0648\u0646).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%EC%A3%BC%EC%9A%94_%EC%A2%85%EB%A5%98\"><\/span>2 - \u0627\u0644\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u0642\u0631\u0636 \u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0639\u0637\u0627\u0621 (\u0642\u0631\u0636 \u0627\u0644\u0631\u0635\u064a\u062f)<\/strong><\/li>\n\n\n\n<li><strong>\u0642\u0631\u0636 \u0644\u062a\u063a\u0637\u064a\u0629 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u062c\u062f\u064a\u062f (\u0623\u0645\u0648\u0627\u0644 \u062a\u0634\u063a\u064a\u0644 \u0625\u0636\u0627\u0641\u064a\u0629)<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0639\u0637\u0627\u0621 \u0627\u0644\u0641\u0627\u0626\u0632 \u0634\u0627\u063a\u0631 \u0623\u0648 \u0628\u0647 \u0645\u0633\u062a\u0642\u0637\u0646\u0648\u0646 <strong>\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0633\u0637\u0648\u0639<\/strong> \u0645\u0637\u0644\u0648\u0628.<\/li>\n\n\n\n<li>\u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0645\u0628\u0646\u0649 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0641\u064a \u062d\u0627\u0644\u0629 \u0633\u064a\u0626\u0629\u060c \u0641\u0633\u062a\u062d\u062a\u0627\u062c \u0623\u064a\u0636\u0627\u064b \u0625\u0644\u0649 \u0623\u0645\u0648\u0627\u0644 \u0644\u0644\u0625\u0635\u0644\u0627\u062d\u0627\u062a \u0648\u0627\u0644\u062a\u062c\u062f\u064a\u062f\u0627\u062a.<\/li>\n\n\n\n<li>\u062a\u0642\u0648\u0645 \u0628\u0639\u0636 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u062a\u0642\u062f\u064a\u0645\u0647\u0627 \u0643\u062d\u0632\u0645\u0629 \u0648\u0627\u062d\u062f\u0629.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u0642\u0631\u0636 (\u0642\u0631\u0636 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u064a\u0631\u064a\u062f\u064a)<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0628\u0639\u062f \u0623\u0646 \u062a\u0643\u0648\u0646 \u0642\u062f \u062f\u0641\u0639\u062a \u0628\u0627\u0644\u0641\u0639\u0644 \u0627\u0644\u0631\u0635\u064a\u062f \u0628\u0646\u0641\u0633\u0643 \u0648\u0623\u062e\u0630\u062a \u0627\u0644\u0645\u0644\u0643\u064a\u0629, <strong>\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0631\u0647\u0646 \u0639\u0642\u0627\u0631\u064a \u062b\u0627\u0646\u064d<\/strong>.<\/li>\n\n\n\n<li>\u0642\u062f \u062a\u0643\u0648\u0646 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0623\u0642\u0644 \u0645\u0646 \u0642\u0631\u0648\u0636 \u0627\u0644\u0631\u0635\u064a\u062f.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%EB%8C%80%EC%B6%9C_%EC%A2%85%EB%A5%98%EB%B3%84_%ED%8A%B9%EC%A7%95\"><\/span>3- \u0645\u064a\u0632\u0627\u062a \u0643\u0644 \u0646\u0648\u0639 \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0642\u0631\u0648\u0636<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%EA%B2%BD%EB%9D%BD%EC%9E%94%EA%B8%88%EB%8C%80%EC%B6%9C_%EC%A6%89%EC%8B%9C_%EC%9E%94%EA%B8%88%EB%8C%80%EC%B6%9C\"><\/span>(1) <strong>\u0642\u0631\u0636 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0641\u0648\u0631\u064a (\u0642\u0631\u0636 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0641\u0648\u0631\u064a)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0647\u062f\u0641<\/strong>:: \u0634\u062e\u0635 \u0641\u0627\u0632 \u0628\u0639\u0637\u0627\u0621 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0648\u0647\u0648 \u0639\u0644\u0649 \u0648\u0634\u0643 \u062f\u0641\u0639 \u0627\u0644\u0631\u0635\u064a\u062f.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a<\/strong>:: \u064a\u0643\u0633\u0628 \u0627\u0644\u0645\u0642\u0631\u0636 \u0628\u0639\u0636 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u0623\u0646 \u0648\u062f\u064a\u0639\u0629 \u0627\u0644\u0645\u0632\u0627\u062f \u0642\u062f \u062a\u0645 \u062f\u0641\u0639\u0647\u0627 \u0628\u0627\u0644\u0641\u0639\u0644.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0634\u0631\u0648\u0637<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629: 40-70% (\u062d\u0633\u0628 \u0646\u0648\u0639 \u0627\u0644\u0639\u0642\u0627\u0631\/\u0627\u0644\u0645\u0648\u0642\u0639\/\u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a).<\/li>\n\n\n\n<li>\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629: \u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u062a\u0643\u0648\u0646 5-9% (\u0623\u0642\u0644 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0628\u0646\u0648\u0643\u060c \u0648\u0623\u0639\u0644\u0649 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0631\u0623\u0633\u0645\u0627\u0644\u064a\u0629\/\u0628\u0646\u0648\u0643 \u0627\u0644\u0627\u062f\u062e\u0627\u0631).<\/li>\n\n\n\n<li>\u0627\u0644\u0645\u062f\u0629: \u0645\u0646 1-35 \u0633\u0646\u0629 (\u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 \u0644\u0644\u0645\u0646\u0627\u0632\u0644\u060c \u0648\u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 \u0644\u0644\u0645\u062d\u0644\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629\/\u0627\u0644\u0623\u0631\u0627\u0636\u064a).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629<\/strong>:: \u062e\u0637\u0627\u0628 \u0642\u0631\u0627\u0631 \u0642\u0628\u0648\u0644 \u0627\u0644\u0639\u0637\u0627\u0621\u060c \u0648\u0641\u0627\u062a\u0648\u0631\u0629 \u0627\u0644\u0628\u064a\u0639\u060c \u0648\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0647\u0648\u064a\u0629\u060c \u0648\u0625\u062b\u0628\u0627\u062a \u0627\u0644\u062f\u062e\u0644\u060c \u0648\u0625\u064a\u0635\u0627\u0644 \u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0639\u0637\u0627\u0621.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%EC%82%AC%ED%9B%84%EB%8C%80%EC%B6%9C_%EC%86%8C%EC%9C%A0%EA%B6%8C_%EC%B7%A8%EB%93%9D_%ED%9B%84\"><\/span>(2) <strong>\u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u0642\u0631\u0636 (\u0628\u0639\u062f \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0644\u0643\u064a\u0629)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0647\u062f\u0641<\/strong>:: \u062f\u0641\u0639 \u0627\u0644\u0631\u0635\u064a\u062f \u0645\u0646 \u062c\u064a\u0628\u0643 \u0627\u0644\u062e\u0627\u0635\u060c \u0648\u0639\u0646\u062f\u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0623\u0645\u0648\u0627\u0644 \u0625\u0636\u0627\u0641\u064a\u0629 \u0628\u0639\u062f \u0627\u0643\u062a\u0645\u0627\u0644 \u0646\u0642\u0644 \u0627\u0644\u0645\u0644\u0643\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a<\/strong>:: \u062a\u0639\u0627\u0645\u0644 \u0645\u062b\u0644 \u0627\u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629\u060c \u0648\u0644\u0643\u0646 \u064a\u062a\u0645 \u062a\u0642\u064a\u064a\u0645\u0647\u0627 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u0639\u0631\u0636 \u0627\u0644\u0641\u0627\u0626\u0632.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0634\u0631\u0648\u0637<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629: 60-80% \u0645\u062a\u0648\u0641\u0631\u0629 (\u0645\u0648\u062c\u0647 \u0646\u062d\u0648 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0635\u0631\u0641\u064a).<\/li>\n\n\n\n<li>\u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629: 4-7% (\u0642\u0631\u064a\u0628 \u0645\u0646 \u0645\u0639\u062f\u0644 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u0642\u064a\u0627\u0633\u064a).<\/li>\n\n\n\n<li>\u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0627\u062a: \u0623\u0633\u0639\u0627\u0631 \u0641\u0627\u0626\u062f\u0629 \u0645\u0646\u062e\u0641\u0636\u0629 \u0648\u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong>:: \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0642\u062a \u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0632\u0627\u062f (\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062f\u064a\u0646\u060c \u0625\u0644\u062e) \u2190 \u0642\u0631\u0648\u0636 \u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u0645\u0632\u0627\u062f.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%EB%B8%8C%EB%A6%AC%EC%A7%80%EB%A1%A0_Bridge_Loan_%EB%8B%A8%EA%B8%B0_%EC%9E%90%EA%B8%88\"><\/span>(3) <strong>\u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0645\u0631\u062d\u0644\u064a (\u062a\u0645\u0648\u064a\u0644 \u0642\u0635\u064a\u0631 \u0627\u0644\u0623\u062c\u0644)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0647\u062f\u0641<\/strong>\u0625\u0630\u0627 \u0643\u0646\u062a \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0627\u0644\u062f\u0641\u0639 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0633\u0637\u0648\u0639 \u0623\u0648 \u0627\u0644\u062a\u062c\u062f\u064a\u062f \u0623\u0648 \u0627\u0644\u062a\u062e\u0644\u064a\u0635 \u0628\u0634\u0643\u0644 \u0639\u0627\u062c\u0644.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a<\/strong>:: \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 (\u063a\u0627\u0644\u0628\u0627\u064b \u0645\u0627 \u062a\u0632\u064a\u062f \u0639\u0646 101 \u062a\u064a\u0631\u0627\u0628\u0627\u064a\u062a \u0641\u064a \u0627\u0644\u0633\u0646\u0629).<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0645\u062f\u0629<\/strong>:: \u0645\u0646 3 \u0623\u0634\u0647\u0631 \u0625\u0644\u0649 \u0633\u0646\u0629 \u0648\u0627\u062d\u062f\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong>:: \u0628\u0639\u062f \u0627\u0644\u062a\u062e\u0644\u064a\u0635\u060c \u062a\u062a\u0645 \u0645\u0637\u0627\u0628\u0642\u0629 \u0627\u0644\u0625\u064a\u062c\u0627\u0631\/\u0627\u0644\u0627\u0633\u062a\u0626\u062c\u0627\u0631 \u0648\u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647 \u0628\u0645\u062d\u0627\u062f\u062b\u0629 \u0639\u0627\u062f\u064a\u0629.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_PF%C2%B7%EC%82%AC%EC%97%85%EC%9E%90_%EA%B2%BD%EB%A7%A4%EB%8C%80%EC%B6%9C_%EB%B2%95%EC%9D%B8%C2%B7%EC%83%81%EA%B0%80%ED%86%A0%EC%A7%80\"><\/span>(4) <strong>PF - \u0642\u0631\u0636 \u0645\u0632\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 (\u0627\u0644\u0634\u0631\u0643\u0627\u062a - \u0627\u0644\u0645\u062a\u062c\u0631\/\u0627\u0644\u0623\u0631\u0636)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0647\u062f\u0641<\/strong>\u0627\u0644\u0645\u0632\u0627\u064a\u062f\u0648\u0646 \u0639\u0644\u0649 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0648\u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0648\u0627\u0644\u0623\u0631\u0627\u0636\u064a \u0648\u063a\u064a\u0631\u0647\u0627.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0634\u0631\u0648\u0637<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u0641\u064a \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628 \u0641\u064a \u0627\u0644\u0642\u0631\u0648\u0636 <strong>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631\u064a - \u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/strong> \u0627\u0644\u062a\u0642\u064a\u064a\u0645.<\/li>\n\n\n\n<li>LTV 40 \u0625\u0644\u0649 60%.<\/li>\n\n\n\n<li>\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629: 6-12% (\u0623\u0639\u0644\u0649 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062e\u0627\u0635).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong>:: \u0645\u0632\u0627\u062f \u0627\u0644\u0623\u0631\u0627\u0636\u064a \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0642\u0631\u0636 \u0627\u0644\u0628\u0646\u0627\u0621 \u2192 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u0646 \u0646\u0648\u0639 \u0627\u0644\u062a\u0646\u0645\u064a\u0629.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_%EB%8C%80%EC%B6%9C_%EC%A1%B0%EA%B1%B4\"><\/span>4- \u0634\u0631\u0648\u0637 \u0627\u0644\u0642\u0631\u0636<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0645\u0639\u0627\u064a\u064a\u0631 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629<\/strong>:: \u0627\u0633\u062a\u0646\u0627\u062f\u064b\u0627 \u0625\u0644\u0649 \u0623\u0642\u0644 \u0645\u0646 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u0632\u0627\u062f \u0648\u0627\u0644\u0639\u0637\u0627\u0621 \u0627\u0644\u0641\u0627\u0626\u0632 \u0648\u0633\u0639\u0631 \u0627\u0644\u0633\u0648\u0642.<\/li>\n\n\n\n<li><strong>LTV<\/strong>\u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a (\u0645\u0627 \u0628\u064a\u0646 40 \u0648701 \u062a\u064a\u0631\u0627\u0628\u0627\u064a\u062a \u0625\u0644\u0649 701 \u062a\u064a\u0631\u0627\u0628\u0627\u064a\u062a\u060c \u062d\u0633\u0628 \u0627\u0644\u0645\u0624\u0633\u0633\u0629).<\/li>\n\n\n\n<li><strong>\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/strong>:: \u064a\u0639\u062a\u0645\u062f \u0630\u0644\u0643 \u0639\u0644\u0649 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u062d\u0627\u0644\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u060c \u0648\u0639\u0627\u062f\u0629 \u0645\u0627 \u064a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 5 \u064891 \u062a\u064a\u0631\u0627\u063a\u0631\u0627\u0645\u0627\u064b \u0645\u0646 \u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629.<\/li>\n\n\n\n<li><strong>\u0645\u062f\u0629 \u0627\u0644\u0642\u0631\u0636<\/strong>:: \u062a\u062a\u0631\u0627\u0648\u062d \u0645\u062f\u062a\u0647 \u0645\u0646 \u0633\u0646\u0629 \u0648\u0627\u062d\u062f\u0629 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 (\u0641\u064a \u0634\u0643\u0644 \u0642\u0631\u0636 \u062a\u062c\u0633\u064a\u0631\u064a) \u0625\u0644\u0649 30 \u0633\u0646\u0629 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 (\u0644\u0644\u0625\u0633\u0643\u0627\u0646).<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_%EC%A0%88%EC%B0%A8\"><\/span>\u0665 - \u0627\ufef9\u062c\u0631\u0627\u0621<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u0627\u0644\u0641\u0648\u0632 \u0628\u0627\u0644\u0645\u0632\u0627\u062f \u2190 \u0642\u0631\u0627\u0631 \u0627\u0644\u0628\u064a\u0639 \u2190 \u062f\u0641\u0639 \u0627\u0644\u0639\u0631\u0628\u0648\u0646<\/li>\n\n\n\n<li>\u0625\u0634\u0639\u0627\u0631 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0628\u062a\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0627\u0644\u0631\u0635\u064a\u062f<\/li>\n\n\n\n<li>\u062a\u0642\u062f\u064a\u0645 \u0637\u0644\u0628 \u0645\u0631\u0627\u062c\u0639\u0629 \u0642\u0631\u0636 \u0645\u0646 \u0645\u0624\u0633\u0633\u0629 \u0645\u0627\u0644\u064a\u0629 (\u0623\u0648 \u0645\u0642\u0631\u0636 \u062e\u0627\u0635)\n<ul class=\"wp-block-list\">\n<li>\u062a\u0642\u062f\u064a\u0645 \u062e\u0637\u0627\u0628 \u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0632\u0627\u064a\u062f \u0627\u0644\u0641\u0627\u0626\u0632\u060c \u0648\u0633\u0646\u062f \u0627\u0644\u0628\u064a\u0639\u060c \u0648\u0633\u062f\u0627\u062f \u0627\u0644\u0639\u0637\u0627\u0621 \u0627\u0644\u0641\u0627\u0626\u0632\u060c \u0648\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u062a\u0646\u0641\u064a\u0630 \u0642\u0631\u0636 \u0627\u0644\u0631\u0635\u064a\u062f \u2192 \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u062d\u0643\u0645\u0629<\/li>\n\n\n\n<li>\u0646\u0642\u0644 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 + \u0648\u0636\u0639 \u0627\u0644\u062d\u062c\u0632<\/li>\n<\/ol>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_%EC%9C%84%ED%97%98%EC%9A%94%EC%86%8C_%EB%8C%80%EC%B6%9C_%EA%B1%B0%EC%A0%88%ED%95%9C%EB%8F%84_%EC%B6%95%EC%86%8C_%EC%82%AC%EC%9C%A0\"><\/span>6. \u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062e\u0637\u0631 (\u0623\u0633\u0628\u0627\u0628 \u0631\u0641\u0636 \u0627\u0644\u0642\u0631\u0636 \/ \u062a\u062e\u0641\u064a\u0636 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0627\u0646\u062a\u0647\u0627\u0643\u0627\u062a\u0627\u0644\u0628\u0646\u0627\u0621<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u062a\u0645\u062f\u064a\u062f\u0627\u062a \u063a\u064a\u0631 \u0642\u0627\u0646\u0648\u0646\u064a\u0629\u060c \u0648\u0645\u062e\u0627\u0644\u0641\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u2192 \u0644\u0627 \u064a\u0648\u062c\u062f \u0642\u0631\u0636 \u0623\u0648 \u062d\u062f \u0645\u062e\u0641\u0636 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u062d\u0642\u0648\u0642 \u0643\u0628\u0627\u0631 \u0627\u0644\u0633\u0646 \u0645\u0648\u062c\u0648\u062f\u0629<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0627\u0645\u062a\u064a\u0627\u0632\u0627\u062a \u0648\u0627\u0644\u0631\u0647\u0648\u0646 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0643\u0628\u0627\u0631 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631\u064a\u0646 \u2190 \u0627\u0644\u062a\u062d\u0648\u0637 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0628\u0646\u0648\u0643.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0645\u0634\u0643\u0644\u0627\u062a \u0627\u0644\u0633\u0637\u0648\u0639<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0642\u0636\u0627\u064a\u0627 \u0625\u062e\u0644\u0627\u0621 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0637\u0646\u064a\u0646 \u2190 \u0645\u0646\u0628\u0648\u0630\u0629 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0644\u0645\u0642\u062f\u0645 \u0627\u0644\u0639\u0637\u0627\u0621 \u0627\u0644\u0641\u0627\u0626\u0632<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0644\u0646 \u062a\u0642\u0631\u0636\u0643 \u0627\u0644\u0628\u0646\u0648\u0643 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u062a\u0635\u0646\u064a\u0641 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0634\u062e\u0635\u064a \u0645\u0646\u062e\u0641\u0636 \u2190 \u0639\u0644\u064a\u0643 \u0627\u0644\u0630\u0647\u0627\u0628 \u0625\u0644\u0649 \u0628\u0646\u0648\u0643 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0648\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0648\u0628\u0646\u0648\u0643 P2P.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0643\u0627\u0626\u0646\u0627\u062a<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u062a\u0642\u0644 \u0642\u064a\u0645\u0629 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0645\u0628\u0627\u0646\u064a \u0627\u0644\u0645\u0643\u0627\u062a\u0628 \u0648\u0627\u0644\u0623\u0631\u0627\u0636\u064a \u0639\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0646\u0627\u0632\u0644.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_%EC%9C%A0%EC%9D%98%EC%82%AC%ED%95%AD\"><\/span>\u0667 - \u0645\ufefb\u062d\u0638\u0627\u062a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0627\u0646\u062a\u0647\u0627\u0643\u0627\u062a\u0627\u0644\u0628\u0646\u0627\u0621<\/strong>:: \u0627\u062d\u062a\u0645\u0627\u0644 \u0643\u0628\u064a\u0631 \u0644\u0631\u0641\u0636 \u0627\u0644\u0642\u0631\u0636. \u0627\u0644\u062a\u0645\u062f\u064a\u062f\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u063a\u064a\u064a\u0631 \u063a\u064a\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0644\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u060c \u0648\u0645\u0627 \u0625\u0644\u0649 \u0630\u0644\u0643.<\/li>\n\n\n\n<li><strong>\u0645\u062e\u0627\u0637\u0631 \u0633\u0645\u0639\u0629 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631-\u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631<\/strong>:: \u0648\u062c\u0648\u062f \u0634\u0627\u063a\u0644 \u0647\u0648 \u0639\u064a\u0628 \u0641\u064a \u0627\u0643\u062a\u062a\u0627\u0628 \u0627\u0644\u0642\u0631\u0636. (\u064a\u062a\u0637\u0644\u0628 \u062d\u0627\u0644\u0629 \u062a\u062e\u0644\u064a\u0635)<\/li>\n\n\n\n<li><strong>\u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0644\u062d\u0642\u0648\u0642<\/strong>:: \u0639\u062f\u0645 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u0623\u0648 \u062a\u062e\u0641\u064a\u0636 \u062d\u062f\u0648\u062f\u0647 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0647\u0646\u0627\u0643 \u0627\u0645\u062a\u064a\u0627\u0632\u0627\u062a \u0623\u0648 \u0627\u0645\u062a\u064a\u0627\u0632\u0627\u062a \u0623\u0648 \u0627\u0645\u062a\u064a\u0627\u0632\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629\u060c \u0648\u0645\u0627 \u0625\u0644\u0649 \u0630\u0644\u0643.<\/li>\n\n\n\n<li><strong>\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629<\/strong>:: \u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0632\u0627\u062f\u0627\u062a \u0644\u0647\u0627 \u0645\u0639\u062f\u0644\u0627\u062a \u0641\u0627\u0626\u062f\u0629 \u0623\u0639\u0644\u0649 \u0648\u0634\u0631\u0648\u0637 \u0623\u0643\u062b\u0631 \u0635\u0631\u0627\u0645\u0629 \u0645\u0646 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u2190 \u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0623\u0645\u0631 \u0636\u0631\u0648\u0631\u064a.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_%EC%8B%A4%EC%A0%9C_%EC%98%88%EC%8B%9C_%EC%8B%9C%EB%AE%AC%EB%A0%88%EC%9D%B4%EC%85%98\"><\/span>8- \u0645\u062d\u0627\u0643\u0627\u0629 \u0645\u062b\u0627\u0644 \u0648\u0627\u0642\u0639\u064a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0648\u0636\u0639<\/strong>:: \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0642\u062f\u0631\u0629 500 \u0645\u0644\u064a\u0648\u0646 \/ \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0633\u0648\u0642\u064a 4.5 \u0645\u0644\u064a\u0648\u0646 \/ \u0627\u0644\u0639\u0631\u0636 \u0627\u0644\u0641\u0627\u0626\u0632 3.5 \u0645\u0644\u064a\u0648\u0646<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0634\u0631\u0648\u0637<\/strong>:: \u062a\u0637\u0628\u064a\u0642 LTV 70% \u0627\u0644\u0628\u0646\u0643 70% \u2192 3.5 \u0645\u0644\u064a\u0627\u0631 \u00d7 70% = <strong>245 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u0625\u0642\u0631\u0627\u0636<\/strong><\/li>\n\n\n\n<li><strong>\u062f\u0641\u0639 \u0627\u0644\u0631\u0635\u064a\u062f<\/strong>:: 35 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0648\u062f\u064a\u0639\u0629\u060c 315 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0631\u0635\u064a\u062f \u2192 245 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0642\u0631\u0636 + 70 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629.<\/li>\n\n\n\n<li><strong>\u062a\u062d\u0648\u064a\u0644 \u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u0642\u0631\u0636<\/strong>:: \u062a\u0646\u0641\u064a\u0630 \u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0628\u0639\u062f \u0627\u0644\u0627\u0646\u062a\u0647\u0627\u0621 \u0645\u0646 \u0627\u0644\u0634\u0637\u0628 \u2190 \u0645\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 280 \u0645\u0644\u064a\u0648\u0646.<\/li>\n\n\n\n<li><strong>\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631<\/strong>:: \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0633\u062a\u0626\u062c\u0627\u0631 300 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0628\u0639\u062f \u0645\u064a\u0646\u062c\u062f\u0648 \u2192 \u0647\u064a\u0643\u0644 \u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0631\u0636 + \u0647\u064a\u0643\u0644 \u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0631\u0636 \u0645\u0645\u0643\u0646.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_%ED%99%9C%EC%9A%A9_%EC%A0%84%EB%9E%B5\"><\/span>9 - \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0648\u0646<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0634\u0631\u0627\u0621 \u0645\u0646\u0632\u0644\u0643 \u0627\u0644\u062e\u0627\u0635: \u0642\u0631\u0636 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u064a\u0631\u064a\u062f\u064a \u2192 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0645\u0631\u0627\u062c\u062d\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642: \u0639\u0631\u0636 \u0645\u0646\u062e\u0641\u0636 \u2190 \u0625\u0639\u0627\u062f\u0629 \u062a\u0634\u0643\u064a\u0644 \u2190 \u0628\u064a\u0639.<\/li>\n\n\n\n<li>\u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u064a\u062b\u0627\u0642: \u062a\u0642\u0644\u064a\u0644 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0644\u062a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0627\u0644\u0645\u064a\u062b\u0627\u0642 \u0628\u0639\u062f \u0627\u0644\u0641\u0648\u0632 \u0628\u0627\u0644\u0645\u0646\u0627\u0642\u0635\u0629.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0634\u0631\u0643\u0627\u062a - \u0627\u0644\u0623\u0639\u0645\u0627\u0644 - \u0627\u0644\u0634\u0631\u0643\u0627\u062a<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0628\u0639\u062f \u0627\u0644\u0641\u0648\u0632 \u0628\u0627\u0644\u0645\u0646\u0627\u0642\u0635\u0629 \u0639\u0644\u0649 \u0645\u0628\u0646\u0649 \u0645\u0631\u0628\u062d\u060c \u0642\u0645 \u0628\u062a\u0648\u0635\u064a\u0644 PF \u2192 \u062a\u0634\u063a\u064a\u0644 \u0634\u0631\u0643\u0629 \u062a\u0623\u062c\u064a\u0631.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646<\/strong>:: \u0627\u0644\u0639\u0637\u0627\u0621 \u0628\u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u062c\u062f\u064a\u062f \u2190 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0625\u0644\u0649 \u0627\u0644\u0625\u064a\u062c\u0627\u0631\/\u0627\u0644\u0628\u064a\u0639 \u2190 \u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0631\u0636.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0648\u0646<\/strong>:: \u0627\u0633\u062a\u062e\u062f\u0645 \u0642\u0631\u0636 \u0627\u0644\u0631\u0635\u064a\u062f \u0644\u0634\u0631\u0627\u0621 \u0645\u0646\u0632\u0644\u0643 \u0627\u0644\u062e\u0627\u0635 \u0625\u0630\u0627 \u0644\u0645 \u064a\u0643\u0646 \u0644\u062f\u064a\u0643 \u0645\u0627 \u064a\u0643\u0641\u064a \u0645\u0646 \u0627\u0644\u0645\u0627\u0644.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0643\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/strong>:: \u0627\u0644\u0645\u0636\u064a \u0641\u064a \u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u0623\u062c\u064a\u0631 \u0628\u0639\u062f \u0627\u0644\u0641\u0648\u0632 \u0628\u0627\u0644\u0645\u0632\u0627\u062f \u0627\u0644\u0639\u0644\u0646\u064a \u0644\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0631\u0628\u062d\u0629 \u2190 \u0642\u0631\u0636 \u0628\u0627\u0633\u0645 \u0627\u0644\u0634\u0631\u0643\u0629.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_%EC%9A%94%EC%95%BD\"><\/span>10- \u0645\u0644\u062e\u0635<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u062a\u064f\u0639\u062f \u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0632\u0627\u062f\u0627\u062a \u0623\u0643\u062b\u0631 \u062a\u0637\u0644\u0628\u064b\u0627 \u0648\u0630\u0627\u062a \u0645\u0639\u062f\u0644\u0627\u062a \u0641\u0627\u0626\u062f\u0629 \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u0631\u0647\u0648\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629.<\/strong><\/li>\n\n\n\n<li><strong>\u062a\u062a\u0631\u0627\u0648\u062d \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629 \u0645\u0646 40 \u0625\u0644\u0649 70%<\/strong> \u2192 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0633\u0647\u0645\u064a \u0627\u0644\u0645\u0637\u0644\u0648\u0628.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u062a\u0639\u062f\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0627\u0646\u064a - \u062d\u0642\u0648\u0642 \u0627\u0644\u0637\u0631\u064a\u0642 - \u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0648\u0636\u0648\u062d<\/strong>\u064a\u062c\u0628 \u0645\u0631\u0627\u062c\u0639\u062a\u0647\u0627 \u0645\u0633\u0628\u0642\u0627\u064b.<\/li>\n\n\n\n<li><strong>\u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0645\u0646 \u0642\u0631\u0636 \u0627\u0644\u0631\u0635\u064a\u062f \u0625\u0644\u0649 \u0627\u0644\u0648\u0636\u0648\u062d\/\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0635\u0645\u064a\u0645 \u0625\u0644\u0649 \u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u0642\u0631\u0636<\/strong> \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 \u0627\u0644\u0639\u0637\u0627\u0621 \u0627\u0644\u0641\u0627\u0626\u0632 \u0623\u0642\u0644 \u0645\u0646 \u0633\u0639\u0631 \u0627\u0644\u0633\u0648\u0642 <strong>\u0636\u0645\u0627\u0646 \u0647\u0627\u0645\u0634 \u0627\u0644\u0623\u0645\u0627\u0646<\/strong>\u0648\u0644\u0647\u0630\u0627 \u0627\u0644\u0633\u0628\u0628 \u064a\u0633\u062a\u062e\u062f\u0645\u0647 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646. \u0648\u0645\u0639 \u0630\u0644\u0643 <strong>\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062d\u0642\u0648\u0642 - \u0627\u0644\u0648\u0636\u0648\u062d - \u0627\u0644\u0647\u064a\u0643\u0644\u064a\u0629 \u0627\u0644\u0645\u0633\u064a\u0626\u0629 - \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062d\u0642\u0648\u0642 - \u0627\u0644\u0648\u0636\u0648\u062d - \u0627\u0644\u0647\u064a\u0643\u0644\u064a\u0629 \u0627\u0644\u0645\u0633\u064a\u0626\u0629<\/strong>\u0623\u0646 \u062a\u0643\u0648\u0646 \u0628\u0623\u0645\u0627\u0646<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"970\" height=\"90\" src=\"https:\/\/wi-th.com\/wp-content\/uploads\/2025\/08\/in-te-ri-or_logo_1.png\" alt=\"\u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0632\u0627\u062f\u0627\u062a \u24d2 wi-th.com\" class=\"wp-image-2906\" srcset=\"\/\/wi-th.com\/wp-content\/uploads\/2025\/08\/in-te-ri-or_logo_1.png 970w, \/\/wi-th.com\/wp-content\/uploads\/2025\/08\/in-te-ri-or_logo_1-665x62.png 665w, \/\/wi-th.com\/wp-content\/uploads\/2025\/08\/in-te-ri-or_logo_1-300x28.png 300w, \/\/wi-th.com\/wp-content\/uploads\/2025\/08\/in-te-ri-or_logo_1-768x71.png 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u0643\u0644 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u24d2 \u0643\u0644 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u24d2 <a href=\"http:\/\/dknock.in-te-ri-or.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">In-The-Rear.com<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"970\" height=\"90\" src=\"https:\/\/wi-th.com\/wp-content\/uploads\/2025\/08\/dknock_banner_1.png\" alt=\"\u24d2 dknock.in-te-ri-or.com\" class=\"wp-image-2924\" srcset=\"\/\/wi-th.com\/wp-content\/uploads\/2025\/08\/dknock_banner_1.png 970w, \/\/wi-th.com\/wp-content\/uploads\/2025\/08\/dknock_banner_1-665x62.png 665w, \/\/wi-th.com\/wp-content\/uploads\/2025\/08\/dknock_banner_1-300x28.png 300w, \/\/wi-th.com\/wp-content\/uploads\/2025\/08\/dknock_banner_1-768x71.png 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u0645\u0635\u0645\u0645 \u062f\u064a\u0643\u0648\u0631 \u062f\u0627\u062e\u0644\u064a \u24d2&nbsp;<a href=\"http:\/\/dknock.in-te-ri-or.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u062f\u0643\u0646\u0648\u0643<\/a><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u0392\u00a0<a href=\"https:\/\/wi-th.com\/ar\/\">\u0627\u0644\u0623\u0639\u0634\u0627\u0628 \u0627\u0644\u0636\u0627\u0631\u0629<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>\uac74\ucd95\ubb3c \uacbd\ub9e4\ub300\ucd9c\uc774\ub780? 1. \uacbd\ub9e4\ub300\ucd9c\uc758 \uae30\ubcf8 \uad6c\uc870 2. \uc8fc\uc694 \uc885\ub958 3. \ub300\ucd9c \uc885\ub958\ubcc4 \ud2b9\uc9d5 (1) \uacbd\ub77d\uc794\uae08\ub300\ucd9c (\uc989\uc2dc \uc794\uae08\ub300\ucd9c) (2) \uc0ac\ud6c4\ub300\ucd9c (\uc18c\uc720\uad8c \ucde8\ub4dd \ud6c4) (3) \ube0c\ub9ac\uc9c0\ub860 <a href=\"https:\/\/wi-th.com\/ar\/%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9\/%d9%82%d8%b1%d9%88%d8%b6-%d9%85%d8%b2%d8%a7%d8%af-%d8%a7%d9%84%d8%a8%d9%86%d8%a7%d8%a1-%d8%a8%d8%a7%d9%84%d9%85%d8%b2%d8%a7%d8%af\/\" class=\"read-more-link\">[\ub354\ubcf4\uae30..]<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[405,406],"tags":[468,467],"class_list":["post-2986","post","type-post","status-publish","format-standard","hentry","category-405","category-406","tag-468","tag-467"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false,"woocommerce_thumbnail":false,"woocommerce_single":false,"woocommerce_gallery_thumbnail":false},"uagb_author_info":{"display_name":"wi-th","author_link":"https:\/\/wi-th.com\/ar\/author\/wi-th\/"},"uagb_comment_info":0,"uagb_excerpt":"\uac74\ucd95\ubb3c \uacbd\ub9e4\ub300\ucd9c\uc774\ub780? 1. \uacbd\ub9e4\ub300\ucd9c\uc758 \uae30\ubcf8 \uad6c\uc870 2. \uc8fc\uc694 \uc885\ub958 3. \ub300\ucd9c \uc885\ub958\ubcc4 \ud2b9\uc9d5 (1) \uacbd\ub77d\uc794\uae08\ub300\ucd9c (\uc989\uc2dc \uc794\uae08\ub300\ucd9c) (2) \uc0ac\ud6c4\ub300\ucd9c (\uc18c\uc720\uad8c \ucde8\ub4dd \ud6c4) (3) \ube0c\ub9ac\uc9c0\ub860 [\ub354\ubcf4\uae30..]","_links":{"self":[{"href":"https:\/\/wi-th.com\/ar\/wp-json\/wp\/v2\/posts\/2986","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wi-th.com\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wi-th.com\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wi-th.com\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wi-th.com\/ar\/wp-json\/wp\/v2\/comments?post=2986"}],"version-history":[{"count":0,"href":"https:\/\/wi-th.com\/ar\/wp-json\/wp\/v2\/posts\/2986\/revisions"}],"wp:attachment":[{"href":"https:\/\/wi-th.com\/ar\/wp-json\/wp\/v2\/media?parent=2986"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wi-th.com\/ar\/wp-json\/wp\/v2\/categories?post=2986"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wi-th.com\/ar\/wp-json\/wp\/v2\/tags?post=2986"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}