{"id":380,"date":"2026-03-01T10:09:47","date_gmt":"2026-03-01T10:09:47","guid":{"rendered":"https:\/\/slategray-jackal-945790.hostingersite.com\/?post_type=docs&#038;p=380"},"modified":"2026-03-25T08:32:28","modified_gmt":"2026-03-25T08:32:28","password":"","slug":"%ec%99%b8%ea%b5%ad%ec%9d%b8-%ea%b8%b0%ec%88%99%ec%82%ac-%ec%8b%9d%eb%8c%80-%ec%a7%80%ec%9b%90-%eb%b9%84%ea%b3%bc%ec%84%b8-%ed%95%ad%eb%aa%a9%ec%9d%84-%ed%99%9c%ec%9a%a9%ed%95%9c-%ec%8b%a4%ec%a7%88","status":"publish","type":"docs","link":"https:\/\/slategray-jackal-945790.hostingersite.com\/docs\/%ec%99%b8%ea%b5%ad%ec%9d%b8-%ea%b8%b0%ec%88%99%ec%82%ac-%ec%8b%9d%eb%8c%80-%ec%a7%80%ec%9b%90-%eb%b9%84%ea%b3%bc%ec%84%b8-%ed%95%ad%eb%aa%a9%ec%9d%84-%ed%99%9c%ec%9a%a9%ed%95%9c-%ec%8b%a4%ec%a7%88\/","title":{"rendered":"\uc678\uad6d\uc778 \uae30\uc219\uc0ac\/\uc2dd\ub300 \uc9c0\uc6d0: \ube44\uacfc\uc138 \ud56d\ubaa9\uc744 \ud65c\uc6a9\ud55c \uc2e4\uc9c8 \uc784\uae08 \uc124\uacc4 (\uc6cc\ud06c\uc628)"},"content":{"rendered":"\n<p>\uc678\uad6d\uc778 \ucc44\uc6a9\uc5d0\uc11c \u201c\uc2e4\uc9c8 \uc784\uae08(\uc2e4\uc218\ub839)\u201d\uc744 \ub192\uc774\ub294 \uac00\uc7a5 \uc548\uc804\ud55c \ubc29\ubc95\uc740, \ubb34\ub9ac\ud558\uac8c \uae30\ubcf8\uae09\uc744 \uae4e\uac70\ub098 \uc218\ub2f9\uc744 \ucabc\uac1c\ub294 \uac83\uc774 \uc544\ub2c8\ub77c&nbsp;<strong>\ubc95\uc774 \ud5c8\uc6a9\ud558\ub294 \ube44\uacfc\uc138 \ud56d\ubaa9\uc744 \uc815\ud655\ud788 \uc124\uacc4<\/strong>\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc2dd\ub300(\ube44\uacfc\uc138)\uc640 \uae30\uc219\uc0ac(\uc219\uc18c) \uc81c\uacf5\uc740 \ud604\uc7a5 \ucc44\uc6a9\uc5d0\uc11c \ube48\ub3c4\uac00 \ub192\uace0, \uc798 \uc124\uacc4\ud558\uba74 \uc9c1\uc6d0 \ub9cc\uc871\uacfc \ube44\uc6a9 \ud6a8\uc728\uc744 \ub3d9\uc2dc\uc5d0 \uc7a1\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc694\uac74\uc744 \ub193\uce58\uba74&nbsp;<strong>\ucd5c\uc800\uc784\uae08 \uc704\ubc18, \uc784\uae08\uccb4\ubd88, 4\ub300 \ubcf4\ud5d8 \uc815\uc0b0 \uc624\ub958<\/strong>\ub85c \ub9ac\uc2a4\ud06c\uac00 \ucee4\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \uc678\uad6d\uc778 \uae09\uc5ec \uc124\uacc4, \uc65c \ube44\uacfc\uc138 \ud56d\ubaa9(\uc2dd\ub300)\ubd80\ud130 \ucc59\uaca8\uc57c \ud560\uae4c?<\/h2>\n\n\n\n<p>\uc2dd\ub300\ub294 \ub300\ud45c\uc801\uc778 \ube44\uacfc\uc138 \uadfc\ub85c\uc18c\ub4dd\uc785\ub2c8\ub2e4. \uad6d\uc138\uccad\uc740 \u201c\uc0ac\ub0b4\uae09\uc2dd \ub4f1\uc73c\ub85c \uc81c\uacf5\ubc1b\ub294 \uc2dd\uc0ac\u201d \ub610\ub294 \u201c\uc2dd\uc0ac\ub97c \uc81c\uacf5\ubc1b\uc9c0 \uc54a\ub294 \uadfc\ub85c\uc790\uac00 \ubc1b\ub294&nbsp;<strong>\uc6d4 20\ub9cc \uc6d0 \uc774\ud558 \uc2dd\uc0ac\ub300<\/strong>\u201d\ub97c \ube44\uacfc\uc138 \ud56d\ubaa9\uc73c\ub85c \uc548\ub0b4\ud569\ub2c8\ub2e4.&nbsp;<br>\ube44\uacfc\uc138\ub294 \ub2e8\uc21c\ud788 \uc18c\ub4dd\uc138\ub9cc \uc904\uc774\ub294 \ubb38\uc81c\uac00 \uc544\ub2d9\ub2c8\ub2e4. 4\ub300 \ubcf4\ud5d8\uc740 \uc6d0\uce59\uc801\uc73c\ub85c&nbsp;<strong>\ubcf4\uc218(\uacfc\uc138 \ub300\uc0c1 \uc18c\ub4dd) \uae30\uc900\uc73c\ub85c \uc0b0\uc815<\/strong>\ub418\ubbc0\ub85c, \ube44\uacfc\uc138 \ud56d\ubaa9\uc740 \ubcf4\ud5d8\ub8cc \uc0b0\uc815\uc5d0\uc11c \uc81c\uc678\ub41c\ub2e4\ub294 \uc548\ub0b4\uac00 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc989, \uc678\uad6d\uc778 \uc9c1\uc6d0\uc5d0\uac8c \u201c\ud604\uae08 \uae09\uc5ec \ucd1d\uc561\u201d\uc744 \ud06c\uac8c \ubc14\uafb8\uc9c0 \uc54a\uace0\ub3c4,&nbsp;<strong>\uc138\uae08\u00b7\ubcf4\ud5d8\ub8cc \ubd80\ub2f4\uc744 \uc904\uc5ec \uc2e4\uc218\ub839\uc744 \uc62c\ub9ac\ub294 \uad6c\uc870<\/strong>\ub97c \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. \uc2dd\ub300 \ube44\uacfc\uc138(\uc6d4 20\ub9cc \uc6d0)\uc640 \ud604\ubb3c \uae09\uc2dd\uc758 \ucc28\uc774 \ubc0f \uc801\uc6a9 \uc870\uac74<\/h2>\n\n\n\n<p>\uc2dd\ub300 \ube44\uacfc\uc138 \uc124\uacc4\uc5d0\uc11c \uac00\uc7a5 \ub9ce\uc774 \ud5f7\uac08\ub9ac\ub294 \ud3ec\uc778\ud2b8\ub294 \u201c\ud604\uae08 \uc2dd\ub300\u201d\uc640 \u201c\ud604\ubb3c \uae09\uc2dd\u201d\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ud604\ubb3c \uae09\uc2dd(\uc0ac\ub0b4\uae09\uc2dd \ub4f1)<\/strong>: \ud68c\uc0ac\uac00 \uc2dd\uc0ac\ub97c \uc81c\uacf5\ud558\ub294 \ud615\ud0dc \uc790\uccb4\uac00 \ube44\uacfc\uc138 \ubc94\uc8fc\uc5d0 \ub4e4\uc5b4\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/li>\n\n\n\n<li><strong>\ud604\uae08 \uc2dd\ub300(\uc2dd\uc0ac\ub300)<\/strong>: \uc2dd\uc0ac\ub97c \uc81c\uacf5\ubc1b\uc9c0 \uc54a\ub294 \uadfc\ub85c\uc790\uc5d0\uac8c \uc9c0\uae09\ud558\ub294 \uc2dd\uc0ac\ub300\ub294&nbsp;<strong>\uc6d4 20\ub9cc \uc6d0 \ud55c\ub3c4<\/strong>\uae4c\uc9c0 \ube44\uacfc\uc138\ub85c \ubcf4\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>\uc2e4\ubb34 \uc6d0\uce59(\ub9ac\uc2a4\ud06c \ubc29\uc9c0):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae09\uc5ec\uba85\uc138\uc11c\/\uc5f0\ubd09\uacc4\uc57d\uc11c\uc5d0&nbsp;<strong>\u201c\uc2dd\ub300(\ube44\uacfc\uc138)\u201d\ub97c \ubcc4\ub3c4 \ud56d\ubaa9\uc73c\ub85c \ubd84\ub9ac<\/strong>\ud558\uc2ed\uc2dc\uc624.<\/li>\n\n\n\n<li>\ube44\uacfc\uc138\ub294 \u201c\uba85\ubaa9\u201d\uc774 \uc544\ub2c8\ub77c \u201c\uc2e4\uc9c8\u201d\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud604\ubb3c \uae09\uc2dd\uacfc \ud604\uae08 \uc2dd\ub300\ub97c \ud63c\uc6a9\ud558\ub294 \ubc29\uc2dd\uc740 \uacfc\uc138\/\uc815\uc0b0 \ub9ac\uc2a4\ud06c\uac00 \uc0dd\uae38 \uc218 \uc788\uc73c\ub2c8, \ud68c\uc0ac \uc6b4\uc601 \ubc29\uc2dd(\uad6c\ub0b4\uc2dd\ub2f9 vs \uc678\ubd80\uc2dd\uad8c vs \ud604\uae08\uc9c0\uae09)\uc744 \uba3c\uc800 \uace0\uc815\ud558\uc2ed\uc2dc\uc624.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. \uae30\uc219\uc0ac(\uc219\uc18c) \uc81c\uacf5 \uc2dc \uae09\uc5ec \uacf5\uc81c \ud569\ubc95\uc131 \ud655\uc778\ud558\uae30<\/h2>\n\n\n\n<p>\uae30\uc219\uc0ac \uc81c\uacf5\uc740 \uc678\uad6d\uc778 \ucc44\uc6a9\uc5d0\uc11c \ub9e4\uc6b0 \uac15\ub825\ud55c \ubcf5\uc9c0\uc774\uc9c0\ub9cc, \ud68c\uc0ac\uac00 \ube44\uc6a9\uc744 \uc77c\ubd80 \uc9d5\uc218(\uacf5\uc81c)\ud558\ub294 \uc21c\uac04\ubd80\ud130&nbsp;<strong>\ub3d9\uc758\uc11c\u00b7\uc815\ubcf4\uc81c\uacf5\u00b7\uacc4\uc57d\uc11c \ubb38\uad6c<\/strong>\uac00 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ud575\uc2ec\uc774 \ub429\ub2c8\ub2e4. \uace0\uc6a9\ub178\ub3d9\ubd80\ub294 \uc678\uad6d\uc778\uadfc\ub85c\uc790 \uc219\uc2dd\ube44 \uacf5\uc81c \uad00\ub828 **\uc5c5\ubb34\uc9c0\uce68(\uc219\uc2dd\uc815\ubcf4 \uc81c\uacf5 \ubc0f \ube44\uc6a9\uc9d5\uc218)**\uc744 \ubcc4\ub3c4\ub85c \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<br>\uc989, \u201c\uad00\ud589\uc801\uc73c\ub85c \uacf5\uc81c\u201d\uac00 \uc544\ub2c8\ub77c,&nbsp;<strong>\uc9c0\uce68\uc5d0 \ub9de\ucd98 \uc11c\uba74 \ub3d9\uc758\uc640 \uc0ac\uc804 \uace0\uc9c0<\/strong>\uac00 \uc804\uc81c\ub418\uc5b4\uc57c \ubd84\uc7c1\uacfc \uac10\ub3c5 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3.1 \uc219\uc2dd\ube44 \uc81c\uacf5 \ub3d9\uc758\uc11c \uc791\uc131 \uc6d0\uce59\uacfc \ucd5c\uc800\uc784\uae08 \uc0b0\uc785 \ud55c\ub3c4<\/h3>\n\n\n\n<p>\uae30\uc219\uc0ac\ube44\u00b7\uc2dd\ub300 \uacf5\uc81c\ub97c \uc6b4\uc601\ud560 \ub54c \uae30\uc5c5\uc774 \ubc18\ub4dc\uc2dc \uc9c0\ucf1c\uc57c \ud560 \ud575\uc2ec\uc740 \ub450 \uac00\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc6d0\uce59 1: \uc11c\uba74 \ub3d9\uc758 + \uc0ac\uc804 \uace0\uc9c0<\/strong><br>\uc9c0\uce68 \ucde8\uc9c0\ub294 \u201c\uc678\uad6d\uc778\uadfc\ub85c\uc790\uc5d0\uac8c \uc219\uc2dd \uc81c\uacf5 \uc870\uac74\uacfc \ube44\uc6a9\uc9d5\uc218 \ub0b4\uc6a9\uc744 \uba85\ud655\ud788 \uc54c\ub9ac\uace0(\uc815\ubcf4\uc81c\uacf5), \ubd84\uc7c1\uc774 \uc5c6\ub3c4\ub85d \ub3d9\uc758 \uc808\ucc28\ub97c \uac16\ucd94\ub77c\u201d\ub294 \uac83\uc785\ub2c8\ub2e4.&nbsp;<\/li>\n\n\n\n<li><strong>\uc6d0\uce59 2: \ucd5c\uc800\uc784\uae08 \ub9ac\uc2a4\ud06c\ub97c \uba3c\uc800 \ucc28\ub2e8<\/strong><br>\uacf5\uc81c \ud6c4 \uc2e4\uc9c0\uae09\uc561\uc774 \ucd5c\uc800\uc784\uae08\uc5d0 \ubbf8\ub2ec\ud558\uba74, \uae30\uc219\uc0ac\ub97c \uc81c\uacf5\ud588\ub354\ub77c\ub3c4 \ub9ac\uc2a4\ud06c\uac00 \uc0ac\ub77c\uc9c0\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. (\uc774 \ubd80\ubd84\uc740 \uadc0\uc0ac \ub0b4\ubd80 \ub9c1\ud06c\ub85c **\u300c\ucd5c\uc800\uc784\uae08 \uc900\uc218 \uac00\uc774\ub4dc\u300d**\ub97c \ubc14\ub85c \uc5f0\uacb0\ud574 \u201c\uacf5\uc81c \ud6c4 \uc2e4\uc9c0\uae09\uc561 \uc810\uac80 \uccb4\ud06c\ub9ac\uc2a4\ud2b8\u201d\ub97c \ud568\uaed8 \uc81c\uacf5\ud558\ub294 \uad6c\uc131\uc774 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4.)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3.2 \uae30\uc219\uc0ac\ube44\uac00 \ud1b5\uc0c1\uc784\uae08\uc5d0 \ud3ec\ud568\ub418\uc9c0 \uc54a\uae30 \uc704\ud55c \uc870\uac74<\/h3>\n\n\n\n<p>\ud1b5\uc0c1\uc784\uae08 \ud3ec\ud568 \uc5ec\ubd80\ub294 \uc0ac\uc548\ubcc4\ub85c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ub098, \uae30\uc5c5\uc774 \uad00\ub9ac\ud574\uc57c \ud558\ub294 \ubc29\ud5a5\uc740 \uba85\ud655\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud604\uae08\uc73c\ub85c \u201c\uc815\uae30\u00b7\uc77c\ub960\u00b7\uace0\uc815\u201d \uc9c0\uae09\ub418\ub294 \uc218\ub2f9\uc740 \ud1b5\uc0c1\uc784\uae08 \uc7c1\uc810\uc774 \ucee4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uae30\uc219\uc0ac \uc81c\uacf5\uc744 \uc784\uae08\ucc98\ub7fc \uc124\uacc4(\ub300\uccb4 \uc9c0\uae09)\ud558\uba74 \uc624\ud788\ub824 \ubd84\uc7c1\uc774 \ucee4\uc9d1\ub2c8\ub2e4.<br>\ub530\ub77c\uc11c \uae30\uc219\uc0ac\ube44\ub294 **\ubcf5\ub9ac\ud6c4\uc0dd \uc81c\uacf5(\ud604\ubb3c\/\uc2e4\ube44 \uc131\uaca9)**\uc73c\ub85c \ubb38\uc11c\ud654\ud558\uace0, \ube44\uc6a9\uc9d5\uc218\ub294 \uc9c0\uce68\uc5d0 \ub9de\ucd98 \u201c\ub3d9\uc758\u00b7\uace0\uc9c0\u00b7\uc815\uc0b0\u201d \uccb4\uacc4\ub97c \uac16\ucd94\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4.\uc2e4\uc81c \uacc4\uc0b0 \uc0ac\ub840: \uc6d4 \uae09\uc5ec 250\ub9cc \uc6d0 \uae30\uc900, \ube44\uacfc\uc138 \uc2dd\ub300 \uc801\uc6a9 \uc2dc \uc808\uac10\ub418\ub294 4\ub300 \ubcf4\ud5d8\ub8cc\uc640 \uc18c\ub4dd\uc138<\/h2>\n\n\n\n<p>\uc544\ub798\ub294&nbsp;<strong>\uc6d4 \ucd1d\uc9c0\uae09 250\ub9cc \uc6d0<\/strong>\uc744 \uc804\uc81c\ub85c, \uadf8\uc911&nbsp;<strong>\uc2dd\ub300 20\ub9cc \uc6d0\uc744 \ube44\uacfc\uc138\ub85c \ubd84\ub9ac<\/strong>\ud588\uc744 \ub54c\uc758 \u201c\uadfc\ub85c\uc790 \ubd80\ub2f4\u201d \uc808\uac10 \uc608\uc2dc\uc785\ub2c8\ub2e4.<br>(\uac00\uc815: 2026\ub144 \uae30\uc900 \uad6d\ubbfc\uc5f0\uae08 \uadfc\ub85c\uc790 4.75%, \uac74\uac15\ubcf4\ud5d8 \uadfc\ub85c\uc790 3.595%, \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\ub8cc\uc728 0.9448% \uc801\uc6a9 \uad6c\uc870, \uace0\uc6a9\ubcf4\ud5d8 \uc2e4\uc5c5\uae09\uc5ec \uadfc\ub85c\uc790 0.9%\ub97c \uc0ac\uc6a9\ud588\uc2b5\ub2c8\ub2e4. \uac74\uac15\ubcf4\ud5d8\ub8cc\uc728(7.19%) \ubc0f \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\ub8cc\uc728(0.9448%)\uc740 \ubcf4\uac74\ubcf5\uc9c0\ubd80 \ubc1c\ud45c \uae30\uc900\uc785\ub2c8\ub2e4.&nbsp;)<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th class=\"has-text-align-right\" data-align=\"right\">\uc2dd\ub300 \ube44\uacfc\uc138 \ubbf8\uc801\uc6a9(\uacfc\uc138\ubcf4\uc218 250\ub9cc)<\/th><th class=\"has-text-align-right\" data-align=\"right\">\uc2dd\ub300 20\ub9cc \ube44\uacfc\uc138 \uc801\uc6a9(\uacfc\uc138\ubcf4\uc218 230\ub9cc)<\/th><th class=\"has-text-align-right\" data-align=\"right\">\uc6d4 \uc808\uac10\uc561(\uadfc\ub85c\uc790 \uae30\uc900)<\/th><\/tr><\/thead><tbody><tr><td>\uad6d\ubbfc\uc5f0\uae08(4.75%)<\/td><td class=\"has-text-align-right\" data-align=\"right\">118,750\uc6d0<\/td><td class=\"has-text-align-right\" data-align=\"right\">109,250\uc6d0<\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>9,500\uc6d0<\/strong><\/td><\/tr><tr><td>\uac74\uac15\ubcf4\ud5d8(3.595%)<\/td><td class=\"has-text-align-right\" data-align=\"right\">89,875\uc6d0<\/td><td class=\"has-text-align-right\" data-align=\"right\">82,685\uc6d0<\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>7,190\uc6d0<\/strong><\/td><\/tr><tr><td>\uc7a5\uae30\uc694\uc591(\uac74\ubcf4 \uc5f0\ub3d9)<\/td><td class=\"has-text-align-right\" data-align=\"right\">\uc57d 11,811\uc6d0<\/td><td class=\"has-text-align-right\" data-align=\"right\">\uc57d 10,866\uc6d0<\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>\uc57d 945\uc6d0<\/strong><\/td><\/tr><tr><td>\uace0\uc6a9\ubcf4\ud5d8(\uc2e4\uc5c5\uae09\uc5ec 0.9%)<\/td><td class=\"has-text-align-right\" data-align=\"right\">22,500\uc6d0<\/td><td class=\"has-text-align-right\" data-align=\"right\">20,700\uc6d0<\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>1,800\uc6d0<\/strong><\/td><\/tr><tr><td><strong>4\ub300 \ubcf4\ud5d8\ub8cc \ud569\uacc4(\uadfc\ub85c\uc790)<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\">242,936\uc6d0<\/td><td class=\"has-text-align-right\" data-align=\"right\">223,501\uc6d0<\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>\uc57d 19,435\uc6d0<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\uc18c\ub4dd\uc138(\uc6d0\ucc9c\uc9d5\uc218) \uc808\uac10<\/strong>\uc740 \uac1c\uc778\uc758 \ubd80\uc591\uac00\uc871 \uc218\u00b7\uacf5\uc81c \uc124\uc815\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ub2e4\ub9cc \uad6d\uc138\uccad\uc740 \uc6d0\ucc9c\uc9d5\uc218 \uc2dc&nbsp;<strong>\uadfc\ub85c\uc18c\ub4dd \uac04\uc774\uc138\uc561\ud45c<\/strong>\ub97c \uc0ac\uc6a9\ud558\uba70(\ube44\uacfc\uc138 \uae09\uc5ec\ub294 \uacfc\uc138 \uae09\uc5ec\uc5d0\uc11c \uc81c\uc678 \ud6c4 \uc801\uc6a9), \ud68c\uc0ac\ub294 \ud648\ud0dd\uc2a4\uc5d0\uc11c \uac04\uc774\uc138\uc561\ud45c\ub97c \uc870\ud68c\ud558\ub3c4\ub85d \uc548\ub0b4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<br>\u2192 \uc2e4\ubb34\uc801\uc73c\ub85c\ub294 \u201c\uc2dd\ub300 20\ub9cc \ube44\uacfc\uc138\u201d \uc801\uc6a9 \uc2dc, \uc704 \ud45c\uc758 4\ub300 \ubcf4\ud5d8 \uc808\uac10(\uc57d 1.9\ub9cc \uc6d0) +&nbsp;<strong>\uc18c\ub4dd\uc138\u00b7\uc9c0\ubc29\uc18c\ub4dd\uc138 \ucd94\uac00 \uc808\uac10<\/strong>\uc774 \ub354\ud574\uc838 \uc2e4\uc218\ub839 \uac1c\uc120 \ud6a8\uacfc\uac00 \ucee4\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. \ube44\uad50 \ud14c\uc774\ube14: \uc2dd\ub300\/\uae30\uc219\uc0ac \uc124\uacc4\uc758 \ud569\ubc95 vs \ub9ac\uc2a4\ud06c<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\ud56d\ubaa9<\/th><th>\ud569\ubc95\u00b7\uc548\uc815 \uc124\uacc4(\uad8c\uc7a5)<\/th><th>\ub9ac\uc2a4\ud06c \uc124\uacc4(\uc9c0\uc591)<\/th><\/tr><\/thead><tbody><tr><td>\uc2dd\ub300<\/td><td>\ube44\uacfc\uc138 \uc694\uac74\uc5d0 \ub9de\ucdb0 \uc6d4 20\ub9cc \ud55c\ub3c4 \ubd84\ub9ac&nbsp;<\/td><td>\uae09\uc5ec\uc5d0 \uc11e\uc5b4 \uc9c0\uae09(\uba85\uc138\uc11c \ubd88\uba85\ud655)<\/td><\/tr><tr><td>4\ub300 \ubcf4\ud5d8<\/td><td>\ube44\uacfc\uc138 \ud56d\ubaa9\uc740 \uc0b0\uc815\uc5d0\uc11c \uc81c\uc678\ub418\ub3c4\ub85d \uc815\ud655 \ubd84\ub958&nbsp;<\/td><td>\ube44\uacfc\uc138\ub97c \uacfc\uc138\ubcf4\uc218\ub85c \uc2e0\uace0\ud574 \uacfc\ub2e4 \uacf5\uc81c\/\uc815\uc0b0 \uc624\ub958<\/td><\/tr><tr><td>\uae30\uc219\uc0ac \uacf5\uc81c<\/td><td>\uc9c0\uce68 \uae30\ubc18 \uc815\ubcf4\uc81c\uacf5\u00b7\uc11c\uba74\ub3d9\uc758\u00b7\uc815\uc0b0 \uccb4\uacc4&nbsp;<\/td><td>\ub3d9\uc758\uc11c \uc5c6\uc774 \uad00\ud589 \uacf5\uc81c(\ubd84\uc7c1\/\uac10\ub3c5 \ub9ac\uc2a4\ud06c)<\/td><\/tr><tr><td>\ucd5c\uc800\uc784\uae08<\/td><td>\uacf5\uc81c \ud6c4 \uc2e4\uc9c0\uae09\uc561\uc774 \uae30\uc900 \uc774\uc0c1\uc778\uc9c0 \uc120\uc81c \uc810\uac80<\/td><td>\u201c\uae30\uc219\uc0ac \uc81c\uacf5\ud588\uc73c\ub2c8 \uad1c\ucc2e\ub2e4\u201d \uc624\ud574<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><a href=\"https:\/\/workon.net\/guide\/docs\/4%eb%8c%80-%eb%b3%b4%ed%97%98-%ea%b0%80%ec%9e%85%ec%99%b8%ea%b5%ad%ec%9d%b8-%ea%b5%ad%ec%a0%81-%eb%b9%84%ec%9e%90%eb%b3%84-%ec%9d%98%eb%ac%b4-%ea%b0%80%ec%9e%85-%ec%97%ac%eb%b6%80-%ec%b4%9d%ec%a0%95\/\" target=\"_blank\" rel=\"noopener\">&#8216;4\ub300 \ubcf4\ud5d8 \uc758\ubb34 \uac00\uc785 \uc5ec\ubd80&#8217;<\/a><\/strong><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">&#8216;<a href=\"https:\/\/workon.net\/guide\/docs\/%ec%b5%9c%ec%a0%80%ec%9e%84%ea%b8%88-%ec%a4%80%ec%88%98-%ec%99%b8%ea%b5%ad%ec%9d%b8-%ec%a7%81%ec%9b%90%eb%8f%84-%eb%8f%99%ec%9d%bc%ed%95%98%ea%b2%8c-%ec%a0%81%ec%9a%a9%eb%90%98%eb%82%98%ec%9a%94\/\" target=\"_blank\" rel=\"noopener\">\ucd5c\uc800\uc784\uae08 \uc900\uc218: \uc678\uad6d\uc778 \uc9c1\uc6d0\ub3c4 \ub3d9\uc77c\ud558\uac8c \uc801\uc6a9\ub418\ub098\uc694?<\/a><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">CTA: \u201c\uc2e4\uc9c8 \uc784\uae08\u201d\uc740 \uc62c\ub9ac\uace0, \ub9ac\uc2a4\ud06c\ub294 \uc904\uc774\uc2ed\uc2dc\uc624 \u2014 WorkOn \ube44\uc790\ud5c8\ube0c<\/h2>\n\n\n\n<p>\uc678\uad6d\uc778 \uc778\ub825\uc758 \uae30\uc219\uc0ac\/\uc2dd\ub300 \uc124\uacc4\ub294 \ubcf5\uc9c0 \uc815\ucc45\uc774 \uc544\ub2c8\ub77c\u00a0<strong>\uc784\uae08\u00b7\uc138\ubb34\u00b7\ubcf4\ud5d8\u00b7\ucd9c\uc785\uad6d \ub9ac\uc2a4\ud06c\ub97c \ub3d9\uc2dc\uc5d0 \ub2e4\ub8e8\ub294 \uacbd\uc601 \uc758\uc0ac\uacb0\uc815<\/strong>\uc785\ub2c8\ub2e4.<br><a href=\"https:\/\/workon.net\/ko\/\" data-type=\"link\" data-id=\"https:\/\/workon.net\/ko\/\" target=\"_blank\" rel=\"noopener\">WorkOn \uc6cc\ud06c\uc628<\/a>\uc740 \uae30\uc5c5 \uad00\uc810\uc5d0\uc11c<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ube44\uacfc\uc138 \uc2dd\ub300(\uc6d4 20\ub9cc) \uc801\uc6a9 \uac00\ub2a5 \uc5ec\ubd80 \uc810\uac80 \ubc0f \uae09\uc5ec\ud56d\ubaa9 \uc124\uacc4<\/li>\n\n\n\n<li>\uae30\uc219\uc0ac \uc81c\uacf5\/\uacf5\uc81c \uc6b4\uc601\uc758 \ubb38\uc11c\ud654(\ub3d9\uc758\uc11c\u00b7\uacc4\uc57d\uc11c \ubb38\uad6c\u00b7\uc815\uc0b0 \uccb4\uacc4)<\/li>\n\n\n\n<li>\uc0ac\ub0b4 \ucf58\ud150\uce20 \uc5f0\uacc4:&nbsp;<strong>\u300c4\ub300 \ubcf4\ud5d8 \uc758\ubb34 \uac00\uc785 \uc5ec\ubd80\u300d<\/strong>,&nbsp;<strong>\u300c\ucd5c\uc800\uc784\uae08 \uc900\uc218 \uac00\uc774\ub4dc\u300d<\/strong>&nbsp;\ub9c1\ud06c\ud615 \uccb4\ud06c\ub9ac\uc2a4\ud2b8 \uad6c\uc131<br>\uae4c\uc9c0 \u201c\ubc14\ub85c \uc801\uc6a9 \uac00\ub2a5\ud55c \ud15c\ud50c\ub9bf\u201d\uc73c\ub85c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud0a4\uc6cc\ub4dc(\ud574\uc2dc\ud0dc\uadf8)<\/h2>\n\n\n\n<p>#\uc678\uad6d\uc778\uae30\uc219\uc0ac #\uc678\uad6d\uc778\uc2dd\ub300 #\uc2dd\ub300\ube44\uacfc\uc13820\ub9cc\uc6d0 #\ud604\ubb3c\uae09\uc2dd #\uae30\uc219\uc0ac\ube44\uacf5\uc81c #\uc219\uc2dd\ube44\ub3d9\uc758\uc11c #4\ub300\ubcf4\ud5d8 #\uadfc\ub85c\uc18c\ub4dd\uc138 #\ucd5c\uc800\uc784\uae08\uc900\uc218 #\uae09\uc5ec\uc124\uacc4 #WorkOn#\uc6cc\ud06c\uc628<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc678\uad6d\uc778 \ucc44\uc6a9\uc5d0\uc11c \u201c\uc2e4\uc9c8 \uc784\uae08(\uc2e4\uc218\ub839)\u201d\uc744 \ub192\uc774\ub294 \uac00\uc7a5 \uc548\uc804\ud55c \ubc29\ubc95\uc740, \ubb34\ub9ac\ud558\uac8c \uae30\ubcf8\uae09\uc744 \uae4e\uac70\ub098 \uc218\ub2f9\uc744 \ucabc\uac1c\ub294 \uac83\uc774 \uc544\ub2c8\ub77c&nbsp;\ubc95\uc774 \ud5c8\uc6a9\ud558\ub294 \ube44\uacfc\uc138 \ud56d\ubaa9\uc744 \uc815\ud655\ud788 \uc124\uacc4\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc2dd\ub300(\ube44\uacfc\uc138)\uc640 \uae30\uc219\uc0ac(\uc219\uc18c) \uc81c\uacf5\uc740 \ud604\uc7a5 \ucc44\uc6a9\uc5d0\uc11c \ube48\ub3c4\uac00 \ub192\uace0, \uc798 \uc124\uacc4\ud558\uba74 \uc9c1\uc6d0 \ub9cc\uc871\uacfc \ube44\uc6a9 \ud6a8\uc728\uc744 \ub3d9\uc2dc\uc5d0 \uc7a1\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc694\uac74\uc744 \ub193\uce58\uba74&nbsp;\ucd5c\uc800\uc784\uae08 \uc704\ubc18, \uc784\uae08\uccb4\ubd88, 4\ub300 \ubcf4\ud5d8 \uc815\uc0b0 \uc624\ub958\ub85c \ub9ac\uc2a4\ud06c\uac00 \ucee4\uc9d1\ub2c8\ub2e4. 1. \uc678\uad6d\uc778 \uae09\uc5ec \uc124\uacc4, \uc65c \ube44\uacfc\uc138 \ud56d\ubaa9(\uc2dd\ub300)\ubd80\ud130 \ucc59\uaca8\uc57c \ud560\uae4c? \uc2dd\ub300\ub294 \ub300\ud45c\uc801\uc778 \ube44\uacfc\uc138 \uadfc\ub85c\uc18c\ub4dd\uc785\ub2c8\ub2e4. \uad6d\uc138\uccad\uc740 \u201c\uc0ac\ub0b4\uae09\uc2dd \ub4f1\uc73c\ub85c \uc81c\uacf5\ubc1b\ub294 \uc2dd\uc0ac\u201d \ub610\ub294 \u201c\uc2dd\uc0ac\ub97c \uc81c\uacf5\ubc1b\uc9c0 \uc54a\ub294 \uadfc\ub85c\uc790\uac00 \ubc1b\ub294&nbsp;\uc6d4 20\ub9cc \uc6d0 \uc774\ud558 \uc2dd\uc0ac\ub300\u201d\ub97c \ube44\uacfc\uc138 \ud56d\ubaa9\uc73c\ub85c \uc548\ub0b4\ud569\ub2c8\ub2e4.&nbsp;\ube44\uacfc\uc138\ub294 \ub2e8\uc21c\ud788 \uc18c\ub4dd\uc138\ub9cc \uc904\uc774\ub294 \ubb38\uc81c\uac00 \uc544\ub2d9\ub2c8\ub2e4. 4\ub300 \ubcf4\ud5d8\uc740 \uc6d0\uce59\uc801\uc73c\ub85c&nbsp;\ubcf4\uc218(\uacfc\uc138 \ub300\uc0c1 \uc18c\ub4dd) \uae30\uc900\uc73c\ub85c \uc0b0\uc815\ub418\ubbc0\ub85c, \ube44\uacfc\uc138 \ud56d\ubaa9\uc740 \ubcf4\ud5d8\ub8cc \uc0b0\uc815\uc5d0\uc11c \uc81c\uc678\ub41c\ub2e4\ub294 \uc548\ub0b4\uac00 \uc788\uc2b5\ub2c8\ub2e4.&nbsp; \uc989, \uc678\uad6d\uc778 \uc9c1\uc6d0\uc5d0\uac8c \u201c\ud604\uae08 \uae09\uc5ec \ucd1d\uc561\u201d\uc744 \ud06c\uac8c \ubc14\uafb8\uc9c0 \uc54a\uace0\ub3c4,&nbsp;\uc138\uae08\u00b7\ubcf4\ud5d8\ub8cc \ubd80\ub2f4\uc744 \uc904\uc5ec \uc2e4\uc218\ub839\uc744 \uc62c\ub9ac\ub294 \uad6c\uc870\ub97c \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. 2. \uc2dd\ub300 \ube44\uacfc\uc138(\uc6d4 20\ub9cc \uc6d0)\uc640 \ud604\ubb3c \uae09\uc2dd\uc758 \ucc28\uc774 \ubc0f \uc801\uc6a9 \uc870\uac74 \uc2dd\ub300 \ube44\uacfc\uc138 \uc124\uacc4\uc5d0\uc11c \uac00\uc7a5 \ub9ce\uc774 \ud5f7\uac08\ub9ac\ub294 \ud3ec\uc778\ud2b8\ub294 \u201c\ud604\uae08 \uc2dd\ub300\u201d\uc640 \u201c\ud604\ubb3c \uae09\uc2dd\u201d\uc785\ub2c8\ub2e4. \uc2e4\ubb34 \uc6d0\uce59(\ub9ac\uc2a4\ud06c \ubc29\uc9c0): 3. \uae30\uc219\uc0ac(\uc219\uc18c) \uc81c\uacf5 \uc2dc \uae09\uc5ec \uacf5\uc81c \ud569\ubc95\uc131 \ud655\uc778\ud558\uae30 \uae30\uc219\uc0ac \uc81c\uacf5\uc740 \uc678\uad6d\uc778 \ucc44\uc6a9\uc5d0\uc11c \ub9e4\uc6b0 \uac15\ub825\ud55c \ubcf5\uc9c0\uc774\uc9c0\ub9cc, \ud68c\uc0ac\uac00 \ube44\uc6a9\uc744 \uc77c\ubd80 \uc9d5\uc218(\uacf5\uc81c)\ud558\ub294 \uc21c\uac04\ubd80\ud130&nbsp;\ub3d9\uc758\uc11c\u00b7\uc815\ubcf4\uc81c\uacf5\u00b7\uacc4\uc57d\uc11c \ubb38\uad6c\uac00 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ud575\uc2ec\uc774 \ub429\ub2c8\ub2e4. \uace0\uc6a9\ub178\ub3d9\ubd80\ub294 \uc678\uad6d\uc778\uadfc\ub85c\uc790 \uc219\uc2dd\ube44 \uacf5\uc81c \uad00\ub828 **\uc5c5\ubb34\uc9c0\uce68(\uc219\uc2dd\uc815\ubcf4 \uc81c\uacf5 \ubc0f \ube44\uc6a9\uc9d5\uc218)**\uc744 \ubcc4\ub3c4\ub85c \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;\uc989, \u201c\uad00\ud589\uc801\uc73c\ub85c \uacf5\uc81c\u201d\uac00 \uc544\ub2c8\ub77c,&nbsp;\uc9c0\uce68\uc5d0 \ub9de\ucd98 \uc11c\uba74 \ub3d9\uc758\uc640 \uc0ac\uc804 \uace0\uc9c0\uac00 \uc804\uc81c\ub418\uc5b4\uc57c \ubd84\uc7c1\uacfc \uac10\ub3c5 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. 3.1 \uc219\uc2dd\ube44 \uc81c\uacf5 \ub3d9\uc758\uc11c \uc791\uc131 \uc6d0\uce59\uacfc \ucd5c\uc800\uc784\uae08 \uc0b0\uc785 \ud55c\ub3c4 \uae30\uc219\uc0ac\ube44\u00b7\uc2dd\ub300 \uacf5\uc81c\ub97c \uc6b4\uc601\ud560 \ub54c \uae30\uc5c5\uc774 \ubc18\ub4dc\uc2dc \uc9c0\ucf1c\uc57c \ud560 \ud575\uc2ec\uc740 \ub450 \uac00\uc9c0\uc785\ub2c8\ub2e4. 3.2 \uae30\uc219\uc0ac\ube44\uac00 \ud1b5\uc0c1\uc784\uae08\uc5d0 \ud3ec\ud568\ub418\uc9c0 \uc54a\uae30 \uc704\ud55c \uc870\uac74 \ud1b5\uc0c1\uc784\uae08 \ud3ec\ud568 \uc5ec\ubd80\ub294 \uc0ac\uc548\ubcc4\ub85c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ub098, \uae30\uc5c5\uc774 \uad00\ub9ac\ud574\uc57c \ud558\ub294 \ubc29\ud5a5\uc740 \uba85\ud655\ud569\ub2c8\ub2e4. 4.\uc2e4\uc81c \uacc4\uc0b0 \uc0ac\ub840: \uc6d4 \uae09\uc5ec 250\ub9cc \uc6d0 \uae30\uc900, \ube44\uacfc\uc138 \uc2dd\ub300 \uc801\uc6a9 \uc2dc \uc808\uac10\ub418\ub294 4\ub300 \ubcf4\ud5d8\ub8cc\uc640 \uc18c\ub4dd\uc138 \uc544\ub798\ub294&nbsp;\uc6d4 \ucd1d\uc9c0\uae09 250\ub9cc \uc6d0\uc744 \uc804\uc81c\ub85c, \uadf8\uc911&nbsp;\uc2dd\ub300 20\ub9cc \uc6d0\uc744 \ube44\uacfc\uc138\ub85c \ubd84\ub9ac\ud588\uc744 \ub54c\uc758 \u201c\uadfc\ub85c\uc790 \ubd80\ub2f4\u201d \uc808\uac10 \uc608\uc2dc\uc785\ub2c8\ub2e4.(\uac00\uc815: 2026\ub144 \uae30\uc900 \uad6d\ubbfc\uc5f0\uae08 \uadfc\ub85c\uc790 4.75%, \uac74\uac15\ubcf4\ud5d8 \uadfc\ub85c\uc790 3.595%, \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\ub8cc\uc728 0.9448% \uc801\uc6a9 \uad6c\uc870, \uace0\uc6a9\ubcf4\ud5d8 \uc2e4\uc5c5\uae09\uc5ec \uadfc\ub85c\uc790 0.9%\ub97c \uc0ac\uc6a9\ud588\uc2b5\ub2c8\ub2e4. \uac74\uac15\ubcf4\ud5d8\ub8cc\uc728(7.19%) \ubc0f \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\ub8cc\uc728(0.9448%)\uc740 \ubcf4\uac74\ubcf5\uc9c0\ubd80 \ubc1c\ud45c \uae30\uc900\uc785\ub2c8\ub2e4.&nbsp;) \uad6c\ubd84 \uc2dd\ub300 \ube44\uacfc\uc138 \ubbf8\uc801\uc6a9(\uacfc\uc138\ubcf4\uc218 250\ub9cc) \uc2dd\ub300 20\ub9cc \ube44\uacfc\uc138 \uc801\uc6a9(\uacfc\uc138\ubcf4\uc218 230\ub9cc) \uc6d4 \uc808\uac10\uc561(\uadfc\ub85c\uc790 \uae30\uc900) \uad6d\ubbfc\uc5f0\uae08(4.75%) 118,750\uc6d0 109,250\uc6d0 9,500\uc6d0 \uac74\uac15\ubcf4\ud5d8(3.595%) 89,875\uc6d0 82,685\uc6d0 7,190\uc6d0 \uc7a5\uae30\uc694\uc591(\uac74\ubcf4 \uc5f0\ub3d9) \uc57d 11,811\uc6d0 \uc57d 10,866\uc6d0 \uc57d 945\uc6d0 \uace0\uc6a9\ubcf4\ud5d8(\uc2e4\uc5c5\uae09\uc5ec 0.9%) 22,500\uc6d0 20,700\uc6d0 1,800\uc6d0 4\ub300 \ubcf4\ud5d8\ub8cc \ud569\uacc4(\uadfc\ub85c\uc790) 242,936\uc6d0 223,501\uc6d0 \uc57d 19,435\uc6d0 \uc18c\ub4dd\uc138(\uc6d0\ucc9c\uc9d5\uc218) \uc808\uac10\uc740 \uac1c\uc778\uc758 \ubd80\uc591\uac00\uc871 \uc218\u00b7\uacf5\uc81c \uc124\uc815\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ub2e4\ub9cc 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