{"id":1096,"date":"2026-10-29T23:24:39","date_gmt":"2026-10-29T14:24:39","guid":{"rendered":"https:\/\/joafinance.com\/?p=1096"},"modified":"2026-10-21T23:26:11","modified_gmt":"2026-10-21T14:26:11","slug":"jeonse-guarantee-insurance-hug","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=1096","title":{"rendered":"\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8 \uac00\uc785\uc870\uac74\uacfc \ubcf4\uc99d\ub8cc \ucd1d\uc815\ub9ac (HUG \uc804\uc138\ubcf4\uc99d\uae08\ubc18\ud658\ubcf4\uc99d)"},"content":{"rendered":"<p>\uc804\uc138\ub85c \uc9d1\uc744 \uad6c\ud560 \ub54c \uac00\uc7a5 \ud070 \uac71\uc815\uc740 \uacc4\uc57d\uc774 \ub05d\ub09c \ub4a4 \ubcf4\uc99d\uae08\uc744 \uc81c\ub54c \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\ub290\ub0d0\uc785\ub2c8\ub2e4. \ucd5c\uadfc \uae61\ud1b5\uc804\uc138\uc640 \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uac00 \ub298\uba74\uc11c, \ubcf4\uc99d\uae08\uc744 \uc9c0\ud0a4\ub294 \uc548\uc804\uc7a5\uce58\ub85c \uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\uc744 \ucc3e\ub294 \uc784\ucc28\uc778\uc774 \ub9ce\uc544\uc84c\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uac00\uc785\uc870\uac74\uacfc \ubcf4\uc99d\ub8cc \uae30\uc900\uc774 \uc790\uc8fc \ubc14\ub00c\uc5b4 \ud5f7\uac08\ub9ac\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 HUG\ub97c \uc911\uc2ec\uc73c\ub85c \uaf2d \uc54c\uc544\uc57c \ud560 \ud575\uc2ec\uc744 \ucc28\uadfc\ucc28\uadfc \uc815\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<h2>\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\uc774\ub780 \ubb34\uc5c7\uc778\uac00<\/h2>\n<p>\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\uc740 \uc9d1\uc8fc\uc778\uc774 \uc804\uc138 \uacc4\uc57d \uc885\ub8cc \ud6c4 \ubcf4\uc99d\uae08\uc744 \ub3cc\ub824\uc8fc\uc9c0 \ubabb\ud560 \ub54c, \ubcf4\uc99d\uae30\uad00\uc774 \uc784\ucc28\uc778\uc5d0\uac8c \ubcf4\uc99d\uae08\uc744 \ub300\uc2e0 \uc9c0\uae09\ud558\uace0 \uc774\ud6c4 \uc9d1\uc8fc\uc778\uc5d0\uac8c \uad6c\uc0c1\uad8c\uc744 \ud589\uc0ac\ud558\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \uc815\uc2dd \uba85\uce6d\uc740 \uc804\uc138\ubcf4\uc99d\uae08\ubc18\ud658\ubcf4\uc99d\uc774\uba70, \ud604\uc7ac \uc8fc\ud0dd\ub3c4\uc2dc\ubcf4\uc99d\uacf5\uc0ac(HUG)\uc640 SGI\uc11c\uc6b8\ubcf4\uc99d, \ud55c\uad6d\uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac(HF) \uc138 \uae30\uad00\uc774 \ube44\uc2b7\ud55c \uc0c1\ud488\uc744 \uc6b4\uc601\ud569\ub2c8\ub2e4. \uc774 \uac00\uc6b4\ub370 \uac00\uc785 \ub300\uc0c1\uc774 \ub113\uace0 \ubcf4\uc99d\ub8cc\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc544 \uac00\uc7a5 \ub9ce\uc774 \uc774\uc6a9\ub418\ub294 \uacf3\uc774 HUG\uc785\ub2c8\ub2e4. \ubcf4\uc99d \ub300\uc0c1 \uc8fc\ud0dd\uc740 \uc544\ud30c\ud2b8, \uc5f0\ub9bd\u00b7\ub2e4\uc138\ub300, \ub2e8\ub3c5\u00b7\ub2e4\uac00\uad6c, \uc8fc\uac70\uc6a9 \uc624\ud53c\uc2a4\ud154 \ub4f1\uc785\ub2c8\ub2e4.<\/p>\n<h3>\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\uacfc \uc804\uc138\uc790\uae08\ub300\ucd9c\ubcf4\uc99d\uc758 \ucc28\uc774<\/h3>\n<p>\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8(\ubcf4\uc99d\uae08\ubc18\ud658\ubcf4\uc99d)\uc740 &#8216;\ub0b4 \ubcf4\uc99d\uae08\uc744 \ub3cc\ub824\ubc1b\uae30 \uc704\ud55c&#8217; \ubcf4\uc7a5\uc774\uace0, \uc804\uc138\uc790\uae08\ub300\ucd9c\ubcf4\uc99d\uc740 &#8216;\uc740\ud589\uc5d0\uc11c \uc804\uc138 \ub300\ucd9c\uc744 \ubc1b\uae30 \uc704\ud55c&#8217; \ubcf4\uc99d\uc774\ub77c\ub294 \uc810\uc774 \uac00\uc7a5 \ud070 \ucc28\uc774\uc785\ub2c8\ub2e4. \uc774\ub984\uc774 \ube44\uc2b7\ud574 \ud63c\ub3d9\ud558\uae30 \uc27d\uc9c0\ub9cc \ubaa9\uc801\uacfc \uac00\uc785 \uc8fc\uccb4\uac00 \ub2e4\ub985\ub2c8\ub2e4. \ubcf4\uc99d\uae08\ubc18\ud658\ubcf4\uc99d\uc740 \uc784\ucc28\uc778\uc774 \uc9c1\uc811 \uac00\uc785\ud574 \uacc4\uc57d \ub9cc\ub8cc \uc2dc \ubc18\ud658\uc744 \ubcf4\uc7a5\ubc1b\uace0, \ub300\ucd9c\ubcf4\uc99d\uc740 \uc804\uc138\uc790\uae08\uc744 \ube4c\ub9b4 \ub54c \uae08\uc735\uae30\uad00\uc774 \uc694\uad6c\ud558\ub294 \ub2f4\ubcf4 \uc131\uaca9\uc785\ub2c8\ub2e4. \uc804\uc138\u00b7\uc6d4\uc138\uc758 \uae30\ubcf8 \uac1c\ub150\ubd80\ud130 \uc815\ub9ac\ud558\uace0 \uc2f6\ub2e4\uba74 <a href=\"https:\/\/joafinance.com\/?p=428\">\uc804\uc138\u00b7\uc6d4\uc138\u00b7\ubc18\uc804\uc138\uc758 \ub73b\uacfc \ucc28\uc774<\/a>\ub97c \uba3c\uc800 \uc77d\uc5b4 \ub450\uba74 \uc774\ud574\uac00 \ube60\ub985\ub2c8\ub2e4.<\/p>\n<h2>\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8 \uac00\uc785\uc870\uac74 (HUG \uae30\uc900)<\/h2>\n<p><iframe title=\"\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8 \uac00\uc785\uc870\uac74, \uc2e0\uccad\ubc29\ubc95 2025 \uc644\ubcbd\uc815\ub9ac!\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/x1Hv9FibnVA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>\ucd9c\ucc98: <a href=\"https:\/\/www.youtube.com\/watch?v=x1Hv9FibnVA\" target=\"_blank\" rel=\"noopener\">\uc138\uc774\ud504\ud648\uc988TV<\/a><\/p>\n<p>HUG \uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8 \uac00\uc785\uc870\uac74\uc758 \ud575\uc2ec\uc740 \ubcf4\uc99d\uae08 \ud55c\ub3c4\uc640 \uad8c\ub9ac\uad00\uacc4, \uc2e0\uccad \uae30\ud55c\uc785\ub2c8\ub2e4. \uc804\uc138\ubcf4\uc99d\uae08\uc740 \uc218\ub3c4\uad8c 7\uc5b5 \uc6d0, \uadf8 \uc678 \uc9c0\uc5ed\uc740 5\uc5b5 \uc6d0 \uc774\ud558\uc5ec\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c \uc804\uc138 \uacc4\uc57d \uae30\uac04\uc774 1\ub144 \uc774\uc0c1\uc774\uc5b4\uc57c \ud558\uace0, \uacc4\uc57d \uae30\uac04\uc758 2\ubd84\uc758 1\uc774 \uc9c0\ub098\uae30 \uc804\uc5d0 \uc2e0\uccad\ud574\uc57c \ud569\ub2c8\ub2e4. \uc784\ub300\uc778\uc774 \ub4f1\uae30\ubd80\uc0c1 \uc2e4\uc81c \uc18c\uc720\uc790\uc5ec\uc57c \ud558\uba70, \uc555\ub958\u00b7\uac00\uc555\ub958 \uac19\uc740 \uad8c\ub9ac \uce68\ud574\uac00 \uc5c6\uc5b4\uc57c \ud558\uace0 \uc704\ubc18\uac74\ucd95\ubb3c\uc740 \uac00\uc785\uc774 \uc81c\ud55c\ub429\ub2c8\ub2e4. \uc784\ub300\uc778\uc758 \uad6d\uc138\u00b7\uc9c0\ubc29\uc138 \uccb4\ub0a9 \uc5ec\ubd80\ub3c4 \uc2ec\uc0ac \ub300\uc0c1\uc785\ub2c8\ub2e4.<\/p>\n<h3>\ubcf4\uc99d \ud55c\ub3c4\uc640 \uc8fc\ud0dd\uac00\uaca9 \uc0b0\uc815 \uae30\uc900<\/h3>\n<p>\ubcf4\uc99d \ud55c\ub3c4\ub294 &#8216;\uc8fc\ud0dd\uac00\uaca9 \u00d7 90% \u2212 \uc120\uc21c\uc704 \ucc44\uad8c&#8217;\uc73c\ub85c \uacc4\uc0b0\ud558\uba70, \uc774 \uae08\uc561\uc744 \ub118\ub294 \ubcf4\uc99d\uae08\uc740 \uac00\uc785\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. 2024\ub144\ubd80\ud130 \uae30\uc874 100%\uc5d0\uc11c 90%\ub85c \uae30\uc900\uc774 \uac15\ud654\ub418\uc5b4 \uc694\uac74\uc774 \ub354 \uae4c\ub2e4\ub85c\uc6cc\uc84c\uc2b5\ub2c8\ub2e4. \uc120\uc21c\uc704 \ucc44\uad8c(\uadfc\uc800\ub2f9 \ub4f1)\uc740 \ub2f4\ubcf4\uac00\uc561\uc758 60% \uc774\ub0b4\uc5ec\uc57c \ud569\ub2c8\ub2e4. \ube4c\ub77c\ucc98\ub7fc \uc2dc\uc138 \ud30c\uc545\uc774 \uc5b4\ub824\uc6b4 \uc8fc\ud0dd\uc740 \uacf5\uc2dc\uac00\uaca9\uc744 \ubc14\ud0d5\uc73c\ub85c \uc8fc\ud0dd\uac00\uaca9\uc744 \uc0b0\uc815\ud558\ubbc0\ub85c, \uc804\uc138\uac00\uac00 \uacf5\uc2dc\uac00\uaca9\uc5d0 \ube44\ud574 \uc9c0\ub098\uce58\uac8c \ub192\uc73c\uba74 \uac00\uc785\uc774 \uac70\uc808\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacc4\uc57d \uc804\uc5d0\ub294 <a href=\"https:\/\/www.khug.or.kr\/hug\/web\/ig\/dr\/igdr000001.jsp\" target=\"_blank\" rel=\"noopener\">HUG \uc804\uc138\ubcf4\uc99d\uae08\ubc18\ud658\ubcf4\uc99d \uc548\ub0b4<\/a>\uc5d0\uc11c \ubcf8\uc778\uc758 \uac00\uc785 \uac00\ub2a5 \uc5ec\ubd80\ub97c \ubbf8\ub9ac \ud655\uc778\ud558\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n<div class=\"aiplatform-element\" style=\"border:1px solid #e2e8f0;border-left:4px solid #d97706;border-radius:8px;background:#f8fafc;color:#1e293b;padding:18px 22px;margin:28px 0\">\n<p style=\"font-weight:700;font-size:1.05em;margin:0 0 10px\">\uac00\uc785\uc870\uac74 \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/p>\n<div>\n<p>HUG \uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\uc744 \uc2e0\uccad\ud558\uae30 \uc804\uc5d0 \uc544\ub798 \ud56d\ubaa9\uc744 \ud558\ub098\uc529 \ud655\uc778\ud558\uba74 \uac00\uc785 \uac00\ub2a5\uc131\uc744 \ubbf8\ub9ac \uac00\ub2a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc804\uc138\ubcf4\uc99d\uae08\uc774 \uc218\ub3c4\uad8c 7\uc5b5 \uc6d0, \uadf8 \uc678 \uc9c0\uc5ed 5\uc5b5 \uc6d0 \uc774\ud558\uc778\uac00<\/li>\n<li>\uc804\uc138 \uacc4\uc57d \uae30\uac04\uc774 1\ub144 \uc774\uc0c1\uc778\uac00<\/li>\n<li>\uacc4\uc57d \uae30\uac04\uc758 2\ubd84\uc758 1\uc774 \uc9c0\ub098\uae30 \uc804\uc5d0 \uc2e0\uccad\ud558\ub294\uac00<\/li>\n<li>&#8216;\uc8fc\ud0dd\uac00\uaca9 \u00d7 90% \u2212 \uc120\uc21c\uc704 \ucc44\uad8c&#8217; \ud55c\ub3c4 \uc548\uc5d0 \ubcf4\uc99d\uae08\uc774 \ub4e4\uc5b4\uc624\ub294\uac00<\/li>\n<li>\uc120\uc21c\uc704 \ucc44\uad8c(\uadfc\uc800\ub2f9 \ub4f1)\uc774 \ub2f4\ubcf4\uac00\uc561\uc758 60% \uc774\ub0b4\uc778\uac00<\/li>\n<li>\ub4f1\uae30\ubd80\uc0c1 \uc555\ub958\u00b7\uac00\uc555\ub958 \ub4f1 \uad8c\ub9ac \uce68\ud574\uac00 \uc5c6\ub294\uac00<\/li>\n<li>\uc784\ub300\uc778\uc774 \ub4f1\uae30\ubd80\uc0c1 \uc2e4\uc81c \uc18c\uc720\uc790\uc774\uba70 \uad6d\uc138\u00b7\uc9c0\ubc29\uc138 \uccb4\ub0a9\uc774 \uc5c6\ub294\uac00<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8 \ubcf4\uc99d\ub8cc\ub294 \uc5bc\ub9c8\uc77c\uae4c<\/h2>\n<p><iframe title=\"HUG \ubc95\ub960\uace0\ubb38\uc774 \uc9c1\uc811 \uc124\uba85\ud574 \uc8fc\ub294 \uc804\uc138\ubcf4\uc99d\uae08 \ubc18\ud658\ubcf4\uc99d\uc81c\ub3c4!! \ubcf4\uc99d\ubcf4\ud5d8\ub8cc \ud560\uc778 \ubc1b\ub294\ubc29\ubc95!!(\ube68\ub9ac\uc2e0\uccad\ud558\uc138\uc694)\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/EJeGE3j8U8Q?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>\ucd9c\ucc98: <a href=\"https:\/\/www.youtube.com\/watch?v=EJeGE3j8U8Q\" target=\"_blank\" rel=\"noopener\">\ub3c4\uc2dc\uc640\uc0ac\ub78c \uc774\uc2b9\ud0dc\uc758 \uc0ac\ub78c\uc0ac\ub294 \ubc95<\/a><\/p>\n<p>\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8 \ubcf4\uc99d\ub8cc\ub294 &#8216;\ubcf4\uc99d\uae08\uc561 \u00d7 \ubcf4\uc99d\ub8cc\uc728 \u00d7 \ubcf4\uc99d\uae30\uac04 \uc77c\uc218 \u00f7 365&#8217;\ub85c \uacc4\uc0b0\ud569\ub2c8\ub2e4. \ubcf4\uc99d\ub8cc\uc728\uc740 \uc8fc\ud0dd \uc720\ud615\uacfc \ucc44\uad8c\ube44\uc728\uc5d0 \ub530\ub77c \ucc28\ub4f1 \uc801\uc6a9\ub418\uba70, \uc544\ud30c\ud2b8\ub294 \uc5f0 0.097%\uc5d0\uc11c 0.164% \uc0ac\uc774, \uc544\ud30c\ud2b8 \uc678 \uc8fc\ud0dd\uc740 \uc5f0 0.111%\uc5d0\uc11c 0.211% \uc0ac\uc774\uc785\ub2c8\ub2e4. \uac19\uc740 \ubcf4\uc99d\uae08\uc774\ub77c\ub3c4 \uc544\ud30c\ud2b8\uac00 \uc704\ud5d8\uc774 \ub0ae\uac8c \ud3c9\uac00\ub418\uc5b4 \uc694\uc728\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uc120\uc21c\uc704 \ucc44\uad8c\uc774 \ub2f4\ubcf4\uac00\uc561\uc758 50%\ub97c \ub118\uc73c\uba74 \ubcf4\uc99d\ub8cc\uac00 10% \ud560\uc99d\ub429\ub2c8\ub2e4.<\/p>\n<h3>\ubcf4\uc99d\ub8cc \ud560\uc778 \ub300\uc0c1 \ud655\uc778\ud558\uae30<\/h3>\n<p>\uac00\uad6c \uc720\ud615\uc5d0 \ub530\ub77c \ubcf4\uc99d\ub8cc \ud560\uc778\uc774 \uc801\uc6a9\ub418\ubbc0\ub85c \ubcf8\uc778\uc774 \ub300\uc0c1\uc778\uc9c0 \uba3c\uc800 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4. HUG \uae30\uc900\uc73c\ub85c \ub2e4\uc790\ub140 \uac00\uad6c\ub294 40%, \ud55c\ubd80\ubaa8 \uac00\uad6c\uc640 \uace0\ub839\uc790 1\uc778 \uac00\uad6c\ub294 \ucd5c\ub300 60% \ud560\uc778\uc744 \ubc1b\uc744 \uc218 \uc788\uace0, \uc804\uc790\uacc4\uc57d\uc73c\ub85c \uccb4\uacb0\ud558\uba74 3%\uac00 \ucd94\uac00\ub85c \ud560\uc778\ub429\ub2c8\ub2e4. \uc800\uc18c\ub4dd\u00b7\uc2e0\ud63c\ubd80\ubd80 \ub4f1 \uc0ac\ud68c\ubc30\ub824\uacc4\uce35\ub3c4 \ud560\uc778 \ub300\uc0c1\uc5d0 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uccad\ub144 \uc784\ucc28\uc778\uc774\ub77c\uba74 \uc804\uc138 \uc790\uae08 \ub9c8\ub828\uc5d0 \ub3c4\uc6c0\uc774 \ub418\ub294 <a href=\"https:\/\/joafinance.com\/?p=347\">\uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1\uc790 \uc6b0\ub300 \uc800\ucd95\uacf5\uc81c\uc758 \uccad\ub144 \uc804\uc138\ub300\ucd9c \ud61c\ud0dd<\/a>\ub3c4 \ud568\uaed8 \uc0b4\ud3b4\ubcf4\uba74 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<div class=\"aiplatform-element\" style=\"border:1px solid #e2e8f0;border-left:4px solid #d97706;border-radius:8px;background:#f8fafc;color:#1e293b;padding:18px 22px;margin:28px 0\">\n<p style=\"font-weight:700;font-size:1.05em;margin:0 0 10px\">\ubcf4\uc99d\ub8cc\uc728 \ube44\uad50\ud45c<\/p>\n<div>\n<p>HUG \uc804\uc138\ubcf4\uc99d\uae08\ubc18\ud658\ubcf4\uc99d\uc758 \uc5f0\uac04 \ubcf4\uc99d\ub8cc\uc728 \uc608\uc2dc\uc785\ub2c8\ub2e4. \ubcf4\uc99d\uae30\uac04 1\ub144 \ucd08\uacfc 2\ub144 \uc774\ud558, \ucc44\uad8c\ube44\uc728 \uad6c\uac04\ubcc4 \uae30\uc900\uc774\uba70 \uc8fc\ud0dd \uc720\ud615\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\ucc44\uad8c\ube44\uc728<\/th>\n<th>\uc544\ud30c\ud2b8<\/th>\n<th>\uc544\ud30c\ud2b8 \uc678 \uc8fc\ud0dd<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>70% \uc774\ud558<\/td>\n<td>\uc5f0 0.102%<\/td>\n<td>\uc5f0 0.117%<\/td>\n<\/tr>\n<tr>\n<td>80% \uc774\ud558<\/td>\n<td>\uc5f0 0.124%<\/td>\n<td>\uc5f0 0.151%<\/td>\n<\/tr>\n<tr>\n<td>80% \ucd08\uacfc<\/td>\n<td>\uc5f0 0.146%<\/td>\n<td>\uc5f0 0.184%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uc2e4\uc81c \ubcf4\uc99d\ub8cc\ub294 &#8216;\ubcf4\uc99d\uae08\uc561 \u00d7 \ubcf4\uc99d\ub8cc\uc728 \u00d7 \ubcf4\uc99d\uae30\uac04 \uc77c\uc218 \u00f7 365&#8217;\ub85c \uacc4\uc0b0\ud558\uba70, \uc120\uc21c\uc704 \ucc44\uad8c\uc774 \ub2f4\ubcf4\uac00\uc561\uc758 50%\ub97c \ub118\uc73c\uba74 10% \ud560\uc99d\uc774 \ubd99\uc2b5\ub2c8\ub2e4.<\/p>\n<\/div>\n<\/div>\n<h2>\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8 \uc2e0\uccad \ubc29\ubc95\uacfc \ud544\uc694 \uc11c\ub958<\/h2>\n<p><iframe title=\"HUG \ube44\ub300\uba74 \uc804\uc138\ubcf4\uc99d\uae08\ubc18\ud658\ubcf4\uc99d \uac00\uc785 \uc808\ucc28 \uc548\ub0b4 (\ub124\uc774\ubc84\ubd80\ub3d9\uc0b0, \uce74\uce74\uc624\ud398\uc774)\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/bf3hVvD5VuY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>\ucd9c\ucc98: <a href=\"https:\/\/www.youtube.com\/watch?v=bf3hVvD5VuY\" target=\"_blank\" rel=\"noopener\">HUG \uc8fc\ud0dd\ub3c4\uc2dc\ubcf4\uc99d\uacf5\uc0ac \/ HUGTV<\/a><\/p>\n<p>\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\uc740 \uc740\ud589 \ucc3d\uad6c \ubc29\ubb38\ubfd0 \uc544\ub2c8\ub77c \ubaa8\ubc14\uc77c\ub85c\ub3c4 \uac04\ud3b8\ud558\uac8c \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. HUG \uc548\uc2ec\uc804\uc138App\uacfc \ub124\uc774\ubc84\ubd80\ub3d9\uc0b0, \uce74\uce74\uc624\ud398\uc774, \ud1a0\uc2a4 \ub4f1 \uae08\uc735 \uc571, \uadf8\ub9ac\uace0 \uc704\ud0c1\uc740\ud589\uc5d0\uc11c \uc2e0\uccad\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc808\ucc28\ub294 \uac00\uc785 \uac00\ub2a5 \uc5ec\ubd80 \ud655\uc778 \u2192 \uc2e0\uccad \uc815\ubcf4 \uc785\ub825 \u2192 \uc11c\ub958 \uc81c\ucd9c\uacfc \ubcf4\uc99d\ub8cc \uacb0\uc81c \u2192 \uc2ec\uc0ac\uc640 \ubcf4\uc99d\uc11c \ubc1c\uae09 \uc21c\uc73c\ub85c \uc9c4\ud589\ub429\ub2c8\ub2e4. \uc790\uc138\ud55c \ub2e8\uacc4\ub294 <a href=\"https:\/\/www.khug.or.kr\/hug\/web\/ig\/dr\/igdr000002.jsp\" target=\"_blank\" rel=\"noopener\">HUG\uac00 \uc548\ub0b4\ud558\ub294 \uc2e0\uccad \uc808\ucc28<\/a>\uc5d0\uc11c \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\uc2e0\uccad \uc804 \uc900\ube44\ud574\uc57c \ud560 \uc11c\ub958<\/h3>\n<p>\uc2e0\uccad \uc2dc\uc5d0\ub294 \ud655\uc815\uc77c\uc790\ub97c \ubc1b\uc740 \uc804\uc138\uacc4\uc57d\uc11c\uc640 \ubcf4\uc99d\uae08 \uc644\ub0a9\uc744 \ud655\uc778\ud560 \uc218 \uc788\ub294 \uc11c\ub958, \ub4f1\uae30\uc0ac\ud56d\uc99d\uba85\uc11c(\ub4f1\uae30\ubd80\ub4f1\ubcf8), \uc8fc\ubbfc\ub4f1\ub85d\ub4f1\ubcf8 \ub4f1\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ud560\uc778\uc744 \ubc1b\uc73c\ub824\uba74 \ub2e4\uc790\ub140\u00b7\ud55c\ubd80\ubaa8 \ub4f1\uc744 \uc99d\uba85\ud558\ub294 \uc11c\ub958\ub3c4 \ud568\uaed8 \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4. \ubc1c\uae09 \uc11c\ub958\ub294 \ubcf4\ud1b5 1\uac1c\uc6d4 \uc774\ub0b4 \ubc1c\uae09\ubd84\uc744 \uc694\uad6c\ud558\ubbc0\ub85c \uc2e0\uccad \uc9c1\uc804\uc5d0 \ub5bc\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc804\uc138 \uacc4\uc57d\uc744 \uc5f0\uc7a5\ud558\ub294 \uacbd\uc6b0\ub77c\uba74 <a href=\"https:\/\/joafinance.com\/?p=256\">\uc804\uc138\uacc4\uc57d \uc5f0\uc7a5 \uc2dc \uc784\ub300\ucc28 \uc2e0\uace0 \uc808\ucc28<\/a>\ub97c \ud568\uaed8 \ucc59\uaca8 \ub450\uba74 \uc7ac\uac00\uc785\uacfc \ud655\uc815\uc77c\uc790 \uad00\ub9ac\uac00 \uc218\uc6d4\ud569\ub2c8\ub2e4.<\/p>\n<h2>\uacb0\ub860<\/h2>\n<p>\uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\uc740 \ubcf4\uc99d\uae08\uc744 \ub3cc\ub824\ubc1b\uc9c0 \ubabb\ud560 \uc704\ud5d8\uc744 \uc904\uc5ec \uc8fc\ub294 \ub300\ud45c\uc801\uc778 \uc548\uc804\uc7a5\uce58\uc785\ub2c8\ub2e4. \uac00\uc785\uc870\uac74\uacfc \ubcf4\uc99d \ud55c\ub3c4, \ubcf4\uc99d\ub8cc\uc728\uc740 \uc8fc\ud0dd \uc720\ud615\uacfc \uacc4\uc57d \uc870\uac74\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ubbc0\ub85c, \uacc4\uc57d \uc804\uc5d0 HUG \uc548\ub0b4\uc640 \ucde8\uae09 \uae30\uad00\uc744 \ud1b5\ud574 \ubcf8\uc778\uc758 \uac00\uc785 \uac00\ub2a5 \uc5ec\ubd80\ub97c \ubbf8\ub9ac \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ubcf4\uc99d\ub8cc \ud560\uc778 \ub300\uc0c1\uc5d0 \ud574\ub2f9\ud558\ub294\uc9c0\ub3c4 \ud568\uaed8 \uc0b4\ud3b4\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>\u203b \uc774 \uae00\uc740 \uc77c\ubc18\uc801\uc778 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\uba70, \ubcf4\uc99d \uac00\uc785 \uac00\ub2a5 \uc5ec\ubd80\uc640 \ubcf4\uc99d\ub8cc, \ud560\uc778 \uc870\uac74\uc740 \uc2e0\uccad \uc2dc\uc810\uacfc \uac1c\ubcc4 \uc2ec\uc0ac \uacb0\uacfc\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uac00\uc785 \uc804\uc5d0\ub294 HUG \ub610\ub294 \ucde8\uae09 \uae08\uc735\uae30\uad00\uc758 \ucd5c\uc2e0 \uc548\ub0b4\ub97c \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<div class=\"aiplatform-element\" style=\"border:1px solid #e2e8f0;border-left:4px solid #d97706;border-radius:8px;background:#f8fafc;color:#1e293b;padding:18px 22px;margin:28px 0\">\n<p style=\"font-weight:700;font-size:1.05em;margin:0 0 10px\">\ucc38\uace0 \uc790\ub8cc<\/p>\n<ul>\n<li><a href=\"https:\/\/www.khug.or.kr\/hug\/web\/ig\/dr\/igdr000001.jsp\" rel=\"nofollow noopener\" target=\"_blank\">\uc8fc\ud0dd\ub3c4\uc2dc\ubcf4\uc99d\uacf5\uc0ac(HUG) \uc804\uc138\ubcf4\uc99d\uae08\ubc18\ud658\ubcf4\uc99d \uc548\ub0b4<\/a><\/li>\n<li><a href=\"https:\/\/www.khug.or.kr\/hug\/web\/ig\/dr\/igdr000002.jsp\" rel=\"nofollow noopener\" target=\"_blank\">\uc8fc\ud0dd\ub3c4\uc2dc\ubcf4\uc99d\uacf5\uc0ac(HUG) \uc804\uc138\ubcf4\uc99d\uae08\ubc18\ud658\ubcf4\uc99d \uc2e0\uccad \uc548\ub0b4<\/a><\/li>\n<\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\uc804\uc138\ub85c \uc9d1\uc744 \uad6c\ud560 \ub54c \uac00\uc7a5 \ud070 \uac71\uc815\uc740 \uacc4\uc57d\uc774 \ub05d\ub09c \ub4a4 \ubcf4\uc99d\uae08\uc744 \uc81c\ub54c \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\ub290\ub0d0\uc785\ub2c8\ub2e4. \ucd5c\uadfc \uae61\ud1b5\uc804\uc138\uc640 \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uac00 \ub298\uba74\uc11c, \ubcf4\uc99d\uae08\uc744 \uc9c0\ud0a4\ub294 \uc548\uc804\uc7a5\uce58\ub85c \uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\uc744 \ucc3e\ub294 \uc784\ucc28\uc778\uc774 \ub9ce\uc544\uc84c\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uac00\uc785\uc870\uac74\uacfc \ubcf4\uc99d\ub8cc \uae30\uc900\uc774 \uc790\uc8fc \ubc14\ub00c\uc5b4 \ud5f7\uac08\ub9ac\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 HUG\ub97c \uc911\uc2ec\uc73c\ub85c \uaf2d \uc54c\uc544\uc57c \ud560 \ud575\uc2ec\uc744 \ucc28\uadfc\ucc28\uadfc \uc815\ub9ac\ud569\ub2c8\ub2e4. \uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\uc774\ub780 \ubb34\uc5c7\uc778\uac00 \uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\uc740 \uc9d1\uc8fc\uc778\uc774 \uc804\uc138 \uacc4\uc57d \uc885\ub8cc \ud6c4 \ubcf4\uc99d\uae08\uc744 \ub3cc\ub824\uc8fc\uc9c0 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1099,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-1096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-housing-and-real-estate"],"_links":{"self":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/1096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1096"}],"version-history":[{"count":1,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/1096\/revisions"}],"predecessor-version":[{"id":1102,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/1096\/revisions\/1102"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/1099"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1096"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1096"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}