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< Ƽ ڿڡҵ > |
Է 2012-10-31 5:21:00 | 2012-10-31 05:21 |
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60 ̻ ࡦ" 30% ൵ "
츮 ä ƻ ε , ڿ , ҵ й ұ Ÿ `հ'̴.
մ | ȸ Ƿڷ 30 ä м ڷ 巯´.
ڿڴ. ѷ ȸ ϴ ̵ ݸ ϴ ľǵƴ.
ڿ `̺θ' 밡 ټ 50~60 ̻ ߵ Ŀ ִ. ε ڻ꿡 Ŀ ̴.
ҵ ä ˿ ϰ ִ. ħü ̵ ۿ мƴ.
ڿ ݸ 40% ڿ ڿ þ ߴ. Ȯ Ը ϱ , 3 350 ȴ. 1 29 þ.
νſ ڸũƮ(KCB) з ڿ 72õ 48õ ä ִ. 1δ 9õ700 ̴.
ڿ ä ݸ ٴ ̴. ڿ 2 3 Ŀ ֱ 44% ߴ.
"ڿڴ 2 ݸ ũ" "ڿ ȭ ȭϰ ִ" ߴ.
״ "ڿ ä ذ ȯ δ ȭ ʿ䰡 ִ" ߴ.
` ǹ 5'̶ Ⱑ ڿڰ ڿ ä ȭŰ ִ.
5 ڿ ü 1.17% 3 1.0% 3 ߴ. νäǺ 3 0.98% 0.81% 0.17%Ʈ ö.
ڿ óмҵ ä 159.2% ٷ(83.4%) Ҵ. ڿ ä 25.3%.
ް ȭε ħü Ÿ ä ߰ų յ ̺θ â ε .
ڿ 60 ̻ 2009 8 10.6% 8 13.5% Ŀ. 50 ڿڵ 29.5% 33.6% ߴ.
̵ ̺θ ڿ 1 Ѵ´. 1δ 6õ~8õ 30~40 ڿں ƴ.
ٸ ε ڻ ũٴ ִ. ް ϶ ̵鿡 `'̴.
ðⰡ ô㺸 ̵ ε ħü , ä ȯ ִ.
60 ̻ ä 5õ648, ü ä 4õ803 . ̵ ҵ ä(LTILoan To Income ratio) 200% Ѵ´.
迵 "50~60 ̻ ⱸ Ͻûȯ Ŀ Ⱑ ƿ ݻȯ ִ" ߴ.
״ "Ư 2~3б ̵ ü ϴ ϸ ȭϴ δ" ߴ.
äڴ ҵ `Ȧ' ȸ 3 ̻ äڴ 316̴. ҵ 2õ ڴ 12.6%, 3õ ϴ 38.1% Ѵ.
ҵ äڴ ֱ ߴ. ҵ 1õ~2õ äڴ 2010 26.9% þ, ٽ 16.6% ߴ.
Ⱓ ҵ 2õ~3õ äڵ 21.4%(2010) 15.5%(2011) þ.
ä å ü ä غ ȭ Ͱ ݴǴ ̴.
ҵ ä ũ ȭ, 2õ üڴ ū þ.
ҵ 1õ ä ü 2010 11.8% 2011 15.6%, 6 17.2% Ŀ.
ҵ 1õ~2õ ä ü ߵ 11.4% 15.7%, 17.4% ĸ .
ä 50 ̻ ڰ . ̵ ҵ ް ũ ̴.
ð 20% ` ' þ ð 20% ô㺸 þ Ÿ.
ƮƮ 3 20% ϶ϸ ô㺸ڴ 41õ~147õ ߴ.
ô㺸 εװ ڻ հ踦 ų ڻ ̳ʽ 츦 Ѵ.
㺸ġ(LTV) ε 60% ڻ հ踦 ڵ Եȴ.
3 ô㺸 24õ~101õ ϸ ִ ϴ ̴.
սDZԸ 163õ~475õ 117õ~166õ Ȯȴ.
ҵ Ѳ 20% ϶ ô㺸 6~197õ ϰ, սDZԸ 128õ~179õ Ŀ.
" (BIS) ڱں 12% ִ "̶ ߴ.
ݸ 1%Ʈ 谡(ݻȯ 40% ̻ ) ִ 7õ400 þ мߴ.
̻ȣ " 20% ϶ ƿ , 30% ` ó' ؾ "̶ ߴ.
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