{"id":113,"date":"2025-09-02T18:46:56","date_gmt":"2025-09-02T09:46:56","guid":{"rendered":"https:\/\/joafinance.com\/?p=113"},"modified":"2026-03-24T23:58:52","modified_gmt":"2026-03-24T14:58:52","slug":"%ec%a3%bc%ed%9c%b4%ec%88%98%eb%8b%b9-%ea%b3%84%ec%82%b0%eb%b2%95%ea%b3%bc-%ec%a1%b0%ea%b1%b4-%ec%b4%9d%ec%a0%95%eb%a6%ac-2025%eb%85%84-%ec%b5%9c%ec%8b%a0-%ea%b3%84%ec%82%b0%ea%b8%b0","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=113","title":{"rendered":"\uc8fc\ud734\uc218\ub2f9 \uacc4\uc0b0\ubc95\uacfc \uc870\uac74 \ucd1d\uc815\ub9ac \u2013 2025\ub144 \ucd5c\uc2e0 \uacc4\uc0b0\uae30"},"content":{"rendered":"\n<p>\uc54c\ubc14\uc0dd\uacfc \uc9c1\uc7a5\uc778 \ubaa8\ub450 \ub193\uce58\uba74 \uc190\ud574\uc778 \uc8fc\ud734\uc218\ub2f9\uc5d0 \ub300\ud55c \uc870\uac74, \uacc4\uc0b0\ubc95, \uc2e0\uace0\ubc29\ubc95\uae4c\uc9c0 \uaf3c\uaf3c\ud558\uac8c \uc54c\ub824\ub4dc\ub9bd\ub2c8\ub2e4. 2025\ub144 \ucd5c\uc800\uc2dc\uae09, 2026\ub144 \ucd5c\uc800\uc2dc\uae09 \uc815\ubcf4\uc640 \uc2e4\uc804 \uacc4\uc0b0 \uc608\uc2dc, \uadf8\ub9ac\uace0 \ubb34\ub8cc \uacc4\uc0b0\uae30 \ud65c\uc6a9\ubc95\uae4c\uc9c0 \ud55c\ub208\uc5d0 \ud655\uc778\ud574\ubcf4\uc138\uc694.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc8fc\ud734\uc218\ub2f9\uc774\ub780?<\/h2>\n\n\n\n<p>1\uc8fc\ub2f9\uc548 \uc18c\uc815\uadfc\ub85c\uc77c\uc744 \uac1c\uadfc\ud558\uace0 \uc77c\uc815\uc2dc\uac04 \uc774\uc0c1 \uadfc\ubb34\ud560 \uacbd\uc6b0 \ubd80\uc5ec\ub418\ub294 \uc720\uae09\ud734\uc77c\uc758 \uc784\uae08\uc73c\ub85c \uadfc\ub85c\uae30\uc900\ubc95 \uc81c 55\uc870\uc5d0 \uadfc\uac70\ud558\uc5ec \uc77c\ud55c\ub0a0\uc5d0 1\uc77c\uce58 \uc784\uae08\uc744 \ub354 \uc8fc\ub294 \uac83\uc785\ub2c8\ub2e4. \uc8fc\ud734\uc218\ub2f9\uc744 \ubc1b\uc73c\uba74 \uc6d4\uae09\uc758 20%\uac00 \uc99d\uac00\ud558\uace0 5\uc77c\uc744 \uadfc\ubb34\ud574\ub3c4 6\uc77c\uce58 \uae09\uc5ec\ub97c \uc8fc\uba70 \uc57d 30\ub9cc\uc6d0\uc758 \uc6d4\uae09\uc744 \ub354 \uc8fc\uae30 \ub54c\ubb38\uc5d0 \ub193\uce58\uba74 \uc190\ud574\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc544\ub974\ubc14\uc774\ud2b8 \uc8fc\ud734\uc218\ub2f9 \uc870\uac74<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXepazcfn5DmG7UEACzXY9UmNsaSfIJE4ODGjwUotsGXhyuqsYNQnsb4_UcZhkXDFas19cp5CyV1Otriqe070iYQXGNmu4GBn0Dqel-4q_7AZsdDKJjl2iSKVtheTRR9c0F-vtCoaZNifaQ0x820rwdNiWq700M?key=PiJ_5tlVMF0LjFhK6kbr2g\" alt=\"\"\/><\/figure>\n\n\n\n<p>(\uc0ac\uc9c4\ucd9c\ucc98: <a href=\"https:\/\/www.edujin.co.kr\/news\/articleView.html?idxno=41275\" target=\"_blank\" rel=\"noopener\">\uc5d0\ub4c0\uc9c4<\/a>)<\/p>\n\n\n\n<p>\uc8fc\ud734\uc218\ub2f9\uc740 \ubaa8\ub4e0 \uc544\ub974\ubc14\uc774\ud2b8\uc5d0\uac8c \ubb34\uc870\uac74 \uc9c0\uae09\ub418\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc544\ub974\ubc14\uc774\ud2b8 \uc8fc\ud734\uc218\ub2f9 \uc870\uac74\uc774 \uc815\ud655\ud558\uac8c \uc815\ud574\uc838\uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ubc95\uc801\uc73c\ub85c \uadfc\ub85c\uae30\uc900\ubc95 55\uc870\uc5d0 \ub098\uc640\uc788\ub294 \ub0b4\uc6a9\uc778\ub370, \uc77c\uc8fc\uc77c \ub3d9\uc548 \uc815\ud574\uc9c4 \uadfc\ubb34\uc77c\uc744 \ub300 \ucc44\uc6e0\uc73c\uba74 \uc720\uae09 \ud734\uc77c\uc744 \uc918\uc57c\ud558\ub294 \uac83\uc774\uc8e0. \uc870\uae08 \ub354 \uc790\uc138\ud55c \uc9c0\uae09 \uc870\uac74\uc740 \uc544\ub798\uc640 \uac14\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc8fc 15\uc2dc\uac04 \uc774\uc0c1 \uadfc\ubb34<\/h3>\n\n\n\n<p>\uc77c\uc8fc\uc77c\ub3d9\uc548 \ucd1d \uadfc\ub85c\uc2dc\uac04\uc774 15\uc2dc\uac04 \uc774\uc0c1\uc774\uc5b4\uc57c \ud558\uba70 \ud558\ub8e8 3\uc2dc\uac04\uc529 \uc8fc 5\uc77c \uadfc\ubb34\ud55c\ub2e4\uba74 \ucd1d 15\uc2dc\uac04\uc774\ubbc0\ub85c \uc870\uac74\uc5d0 \ub9de\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\uc8fc\uc77c\ub3d9\uc548 \ucd9c\uadfc<\/h3>\n\n\n\n<p>\uc815\ud574\uc9c4 \uc18c\uc815 \uadfc\ub85c\uc77c \ubaa8\ub450 \ucd9c\uadfc\ud574 \uacb0\uadfc\uc774 \uc5c6\ub2e4\uba74 \uc8fc\ud734 \uc218\ub2f9\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8, \uc0ac\uc5c5\uc8fc\uac00 \uc9c0\uc815\ud55c \ud734\ubb34\uc77c\uc774\ub098 \ubc95\uc801\uc778 \uacf5\ud734\uc77c\uc5d0\ub294 \uacb0\uadfc\uc73c\ub85c \ubcf4\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uadfc\ub85c\uacc4\uc57d\uc11c \ud655\uc778\ud544\uc218<\/h3>\n\n\n\n<p>\uad6c\ub450\ub85c \uacc4\uc57d\ub9cc\ud558\uc9c0 \ub9d0\uace0 \uadfc\ub85c \uacc4\uc57d\uc11c\ub97c \uc791\uc131\ud558\uace0 \uba85\ud655\ud788 \uadfc\ubb34 \uc870\uac74\uc5d0 \uae30\ub85d\ud574\ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ud559\uc0dd, \ub2e8\uae30 \uc54c\ubc14, \ud30c\ud2b8 \ud0c0\uc774\uba38 \ubaa8\ub450 \ud3ec\ud568\ub418\uba70 4\uc778 \uc774\ud558 \uc0ac\uc5c5\uc7a5\ub3c4 \uc608\uc678\uc5c6\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. \ud2b9\ud788 \uadfc\ub85c\uacc4\uc57d\uc11c\uc5d0\ub294 \uc8fc\ud734\uc218\ub2f9 \ud3ec\ud568\uc5ec\ubd80, \uc815\ud655\ud55c \uadfc\ubb34\uc2dc\uac04, \uc694\uc77c, \uae09\uc5ec \uc9c0\uae09\uc77c \ubc0f \ubc29\uc2dd\uc774 \uae30\uc7ac\ub418\uc5b4\uc788\uc74c\uc744 \ud655\uc778\ud574\uc8fc\uc138\uc694. \ubc18\ub4dc\uc2dc \uc11c\uba74\uacc4\uc57d\uc744 \ud574\uc57c\uc9c0 \ubd88\uc774\uc775\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc8fc 14\uc2dc\uac04 \uadfc\ubb34 &gt; \ubbf8\uc9c0\uae09<\/li>\n\n\n\n<li>\uc911\uac04 \ubb34\ub2e8\uacb0\uadfc &gt; \ubbf8\uc9c0\uae09\uc73c\ub85c \ubabb \ub098\uac14\uc73c\uba74 \ubcd1\uac00 \ucc98\ub9ac \ud574\uc57c\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>15\uc2dc\uac04 \uc774\uc0c1 + \uac1c\uadfc &gt; \uc9c0\uae09\ub300\uc0c1<\/li>\n\n\n\n<li>\ud574\ub2f9 \uc8fc\uac00 \ub05d\ub098\uba74 \ub2e4\uc74c \uc8fc\uc5d0\ub3c4 \uacc4\uc18d \uc77c\uc744 \ud574\uc57c\ud568(\uc774\ubc88\uc8fc \uc77c\ud558\uace0 \ub2e4\uc74c\uc8fc\uc5d0 \uadf8\ub9cc\ub450\uba74 \uc548\ub428)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\uc54c\ubc14 \uc8fc\ud734\uc218\ub2f9 \uacc4\uc0b0\ubc95<\/h2>\n\n\n\n<p>\uc774\uc81c \uac00\uc7a5 \uc911\uc694\ud55c \uacc4\uc0b0\ubc95\uc744 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc9c1\uc811 \uacc4\uc0b0\ud560 \uacbd\uc6b0 \uc544\ub798\uc640 \uac19\uc73c\uba70 \uc77c\ubc18\uc801\uc73c\ub85c \ub124\uc774\ubc84\ub098 \uc54c\ubc14\ubaac \uacc4\uc0b0\uae30\ub97c \uc0ac\uc6a9\ud558\uba74 \ub354 \uc27d\uace0 \uac04\ud3b8\ud558\uac8c \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc54c\ubc14 \uc8fc\ud734\uc218\ub2f9 \uacc4\uc0b0\ubc95 = (1\uc8fc \uadfc\ub85c\uc2dc\uac04 \/ \uc18c\uc815\uadfc\ub85c\uc77c\uc218) x \uc2dc\uae09<\/p>\n\n\n\n<p>\uc2dc\uae09\uc774 10,030\uc6d0\uc778\uacbd\uc6b0 \ud558\ub8e8 \uadfc\ub85c\uc2dc\uac04 6\uc2dc\uac04, \uc8fc 5\uc77c \uadfc\ubb34\ud558\uac8c\ub418\uba74&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc8fc\uae09 \uae30\ubcf8\uae09 : 10,030 x 6\uc2dc\uac04 = 60,180\uc6d0<\/li>\n\n\n\n<li>\uc8fc\ud734\uc218\ub2f9: 10,030 x 6\uc2dc\uac04 = 60,180\uc6d0<\/li>\n\n\n\n<li>\ucd1d \uc8fc\uae09: 301,000 + 60,180 = 361,180\uc6d0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\uc544\ub974\ubc14\uc774\ud2b8 \uc2dc\uae09<\/h3>\n\n\n\n<p>2025\ub144 \ucd5c\uc800\uc2dc\uae09\uc740 10,030\uc6d0\uc774\uace0 2026\ub144 \ucd5c\uc800\uc2dc\uae09\uc740 10,320\uc73c\ub85c \ud655\uc815\ub418\uc5c8\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\uad6c\ubd84<\/td><td>2025\ub144<\/td><td>2026\ub144<\/td><td>\uc778\uc0c1\uc561<\/td><td>\uc778\uc0c1\ub960<\/td><\/tr><tr><td>\uc2dc\uae09<\/td><td>10,030<\/td><td>10,320\uc6d0<\/td><td>+290\uc6d0<\/td><td>2.9%<\/td><\/tr><tr><td>\uc6d4\uae09<\/td><td>2,096,270<\/td><td>2,156,880\uc6d0<\/td><td>+60,610\uc6d0<\/td><td>2.9%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\uc8fc\ud734\uc218\ub2f9 \uc2e0\uace0\ubc95<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXeJ0dC-5lPNZjXWxPwrn78GQ62LJyUATZMM5aqu_L-VBuNPlY6ew4Uyf0P5F5yXHPkqjRkS9WI-zeVjLqBF1eqNEBr4IR3pGVJ2PJrvictQrUXE_sc4DPw23ldJksIIJ-RnErWHDscnoZlIHOvU6nrdD3HS9A?key=PiJ_5tlVMF0LjFhK6kbr2g\" alt=\"\"\/><\/figure>\n\n\n\n<p>(\uc0ac\uc9c4\ucd9c\ucc98: <a href=\"https:\/\/shiftee.io\/ko\/blog\/article\/five-hr-legal-facts-every-employer-must-know-when-hiring-part-time-workers\" target=\"_blank\" rel=\"noopener\">shiftee<\/a>)<\/p>\n\n\n\n<p>\uc544\ub974\ubc14\uc774\ud2b8\ub294 \uc6a9\ub3c8\uc744 \ubc84\ub294 \ub3c8\ubc84\ub294 \uc218\ub2e8\uc744 \ub118\uc5b4 \uc0ac\ud68c\uacbd\ud5d8\uc758 \uc2dc\uc791\uc785\ub2c8\ub2e4. \uadf8\ub798\uc11c \ubc95\uc801\uc73c\ub85c \uad8c\ub9ac\ub97c \ubcf4\uc7a5\ud574\uc8fc\uc5b4\uc57c\ud558\uc9c0\uc694. \uc2a4\uc2a4\ub85c \uc544\ub974\ubc14\uc774\ud2b8 \uc8fc\ud734\uc218\ub2f9 \uacc4\uc0b0\ubc95\uc744 \uc801\uc6a9\ud574 \ud655\uc778\ud558\uba70 \uc9c0\ucf1c\uc9c0\uc9c0 \uc54a\uc73c\uba74 \uad8c\ub9ac\ub97c \ud1b5\ud574 \uc9c0\ucf1c\uc57c \ud569\ub2c8\ub2e4. \uc8fc\ud734\uc218\ub2f9\uc740 \uc120\ud0dd\uc774 \uc544\ub2c8\ub77c \uc758\ubb34\ub77c\ub294 \uac83\uc785\ub2c8\ub2e4. \ubd88\ud589\ud558\uac8c\ub3c4 \uc77c\ubd80 \uc0ac\uc5c5\uc8fc\ub294 \uc8fc\ud734\uc218\ub2f9 \uc9c0\uae09 \uc758\ubb34\ub97c \uc54c\uba74\uc11c\ub3c4 \uc9c0\uae09\ud558\uc9c0 \uc54a\uac70\ub098 \uc544\uc608 \uc81c\ub3c4\ub97c \ubaa8\ub974\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70 \uc774\ub7f4\ub54c\ub294 \uc8fc\uc800\ud558\uc9c0 \ub9d0\uace0 \uc815\uc2dd \uc808\ucc28\ub97c \ud1b5\ud574 \uc77c\ud55c \uc0ac\ub78c\uc758 \uad8c\ub9ac\ub97c \uc9c0\ucf1c\uc57c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uace0\uc6a9\ub178\ub3d9\ubd80 1350 \uace0\uac1d\uc0c1\ub2f4\uc13c\ud130\uc5d0 \uc804\ud654 \uc0c1\ub2f4<\/li>\n\n\n\n<li>\uc775\uba85\uc73c\ub85c \uc0c1\ub2f4 \uac00\ub2a5\ud574 \uad6c\uccb4\uc801\uc73c\ub85c \uc548\ub0b4\ub97c \ubc1b\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uace0\uc6a9\ub178\ub3d9\ubd80 \uc804\uc790 \ubbfc\uc6d0\uc13c\ud130 \uc628\ub77c\uc778\uc2e0\uace0<\/li>\n\n\n\n<li>\uc9d1\uc5d0\uc11c \uc27d\uac8c \uc2e0\uccad\uac00\ub2a5\ud558\uba70, \uc99d\uac70 \uc790\ub8cc\ub97c \ucca8\ubd80\ud558\uba74 \ud6e8\uc52c \ube60\ub974\uac8c \uc9c4\ud589\uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uace0\uc6a9\ub178\ub3d9\uccad \uc9c1\uc811\ubc29\ubb38\ud574 \uc9c4\uc815\uc11c\ub97c \uc81c\ucd9c\ud558\uba74 \uadfc\ub85c\uac10\ub3c5\uad00\uc774 \uc0ac\uc2e4 \ud655\uc778\ud6c4 \uc8fc\uc0ac\ub97c \uc2e4\uc2dc\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud544\uc694\ud55c \uc11c\ub958<\/h3>\n\n\n\n<p>\uadfc\ub85c\uacc4\uc57d\uc11c, \ucd9c\ud1f4\uadfc \uae30\ub85d, \uae09\uc5ec \uba85\uc138\uc11c, \ud1b5\uc7a5\uc774\uccb4\ub0b4\uc5ed \ub4f1 \uac1d\uad00\uc801\uc778 \uc790\ub8cc\ub97c \uc81c\ucd9c\ud574\uc57c\ud569\ub2c8\ub2e4. \uc5c6\uc73c\uba74 \uc5b4\uca54 \uc218 \uc5c6\uc9c0\ub9cc \uc788\uc73c\uba74 \uc788\uc744 \uc218\ub85d \uc88b\uace0 \uc8fc\ud734\uc218\ub2f9 \uc2e0\uace0\ubc95 \uc808\ucc28\uc5d0\uc11c \ub354 \ube60\ub974\uace0 \uc815\ud655\ud558\uac8c \uad8c\ub9ac\ub97c \ub418\ucc3e\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uc54c\ubc14\uc0dd\ub4e4\uc774 \ub2e8\uc21c\ud788 \ub3c8\uc744 \ubc8c\uace0\uc790 \uc77c\ud558\uace0 \uc788\uc9c0\ub9cc \uc774\uac83\uc740 \uc0ac\ud68c\uc0dd\ud65c\uc744 \uc2dc\uc791\uc774\uc790 \uccab\uac78\uc74c\uc785\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \uc815\ub2f9\ud558\uac8c \uad8c\ub9ac\ub97c \uc694\uccad\ud558\uace0 \uadfc\ub85c\ud658\uacbd\uc5d0\uc11c\ub3c4 \ubd88\uc774\uc775\uc744 \ubc1b\uc544\uc11c\ub294 \uc548\ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc54c\ubc14 \uc2dc\uae09 \uacc4\uc0b0\uae30 \ud65c\uc6a9<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXe3cAegoNYx2kpzI43yyMX1G9Yw4hCuuZ2Z9ZJ4aI43FZZLW1JIkHGc4FRVx9vg_wWQnZUk51ZUDmgmI5pEG2cut3vzzZ5U6mB7nnKtNk_C4jYsRI_J1RGRaGND7E-Bf8bA4g2dZ9kO78qJ6MOlGVb-grpD1E4?key=PiJ_5tlVMF0LjFhK6kbr2g\" alt=\"\"\/><\/figure>\n\n\n\n<p>(\uc0ac\uc9c4\ucd9c\ucc98: <a href=\"https:\/\/ourcalc.com\/%EC%A3%BC%ED%9C%B4%EC%88%98%EB%8B%B9-%EA%B3%84%EC%82%B0%EA%B8%B0\/\" target=\"_blank\" rel=\"noopener\">OurCalc-\uc628\ub77c\uc778 \uacc4\uc0b0\uae30<\/a>)<\/p>\n\n\n\n<p>\uc694\uc998 \ub124\uc774\ubc84, \uc815\ubd80 \uace0\uc6a9\ub178\ub3d9\ubd80, \uc54c\ubc14 \uad00\ub828 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ubb34\ub8cc\ub85c \uc81c\uacf5\ub418\ub294 \uc2dc\uae09 \uacc4\uc0b0\uae30\uc640 \uc8fc\ud734\uc218\ub2f9 \uacc4\uc0b0\uae30 \uc0ac\uc6a9 \uae30\ub2a5\uc744 \uc27d\uac8c \ucc3e\uc544 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc29\ubc95\uc740 \ub2e4\uc74c\uacfc \uac19\uc73c\uba70 \uacc4\uc0b0\uae30 \ud65c\uc6a9\ud55c \uacb0\uacfc\ub294 \ucc38\uace0\uc6a9\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \uc785\ub825\uac12\ub9cc \uc815\ud655\ud558\uba74 \uc2e4\uc81c \uc9c0\uae09 \uae30\uc900\uacfc \uc720\uc0ac\ud558\uac8c \uc801\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uadfc\ubb34\ud55c \uc2dc\uac04 \uc785\ub825<\/li>\n\n\n\n<li>2025\ub144 \ucd5c\uc800\uc2dc\uae09 \ud655\uc778<\/li>\n\n\n\n<li>\uadfc\ubb34\uc694\uc77c, \uadfc\ubb34 \ud615\ud0dc \uc120\ud0dd\ud558\uba74 \uc790\ub3d9\uc73c\ub85c \ucd1d \uae09\uc5ec + \uc8fc\ud734 \uc218\ub2f9 \uae08\uc561 \ud655\uc778 \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ub124\uc774\ubc84 \uc8fc\ud734\uc218\ub2f9 \uacc4\uc0b0\uae30<\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXd3AudZOkrxyl1ED9Gv7GwBowc46A9OCWRX98jleVlbqVHgCFi4cAIEX58iA5OOlNQFjyltb-JWtxXGdEh2wskQDmuz7iy3ZW0yAV0p__whWbg3VT9J7lmifGCmba9r7RC7PQxyO6iisA4P5kKhgY9jKkTTYyQ?key=PiJ_5tlVMF0LjFhK6kbr2g\" alt=\"\"\/><\/figure>\n\n\n\n<p>(\uc0ac\uc9c4\ucd9c\ucc98: <a href=\"https:\/\/search.naver.com\/search.naver?sm=tab_hty.top&amp;where=nexearch&amp;ssc=tab.nx.all&amp;query=%EC%A3%BC%ED%9C%B4%EC%88%98%EB%8B%B9+%EA%B3%84%EC%82%B0%EA%B8%B0&amp;oquery=%EC%A3%BC%ED%9C%B4%EC%88%98%EB%8B%B9&amp;tqi=j60gIsqX5E0ss70QxL0ssssssQh-178151&amp;ackey=2dzxwgkh\" target=\"_blank\" rel=\"noopener\">\ub124\uc774\ubc84<\/a>)<\/p>\n\n\n\n<p>\uc8fc\uae09\uc774 \uc5bc\ub9c8\ub098 \ub420\uc9c0 \ubaa8\ub974\uaca0\ub2e4\uba74 \ub124\uc774\ubc84 \uc8fc\ud734\uc218\ub2f9 \uacc4\uc0b0\uae30\ub97c \uac80\uc0c9\ud574 \ud65c\uc6a9\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uac00\uc7a5 \ub300\ud45c\uc801\uc778 \uacc4\uc0b0\uae30\ub85c \uac80\uc0c9\uc5d4\uc9c4\uc5d0 \uac80\uc0c9\ud574 \ube60\ub974\uac8c \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc54c\ubc14\ubaac \uc8fc\ud734\uc218\ub2f9 \uacc4\uc0b0\uae30<\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXcIET6q8apVm9WnqTqyIWtwwiQpBmpJ9V8SFOYARbOf03aWhHSXnpsFMpXM1E929wj0nR6zv9kWIzp67DoOadJ6_OPJjE_VTMouk5Ii2_Q85eE5-ZDuyF3w6y2-tPLRp4LmiGBVaKXht9WB4f-m9gujBWs6iQ?key=PiJ_5tlVMF0LjFhK6kbr2g\" alt=\"\"\/><\/figure>\n\n\n\n<p>(\uc0ac\uc9c4\ucd9c\ucc98: <a href=\"https:\/\/m.alba.co.kr\/story\/CalculatorHoliday.asp\" target=\"_blank\" rel=\"noopener\">\uc54c\ubc14\ubaac<\/a>)<\/p>\n\n\n\n<p>\uc54c\ubc14\ubaac \uc8fc\ud734\uc218\ub2f9 \uacc4\uc0b0\uae30\ub294 \uc544\ub974\ubc14\uc774\ud2b8 \uadfc\ub85c\uc790\uac00 \uae09\uc5ec \uad8c\ub9ac\ub97c \uc810\uac80\ud558\uace0 \uc815\ub2f9\ud55c \uc694\uad6c\ub97c \ud560 \uc218 \uc788\ub3c4\ub85d \uc6f9\uc0ac\uc774\ud2b8 \ub0b4\uc5d0\uc11c \uc774\uc6a9\ud560 \uc218 \uc788\ub294 \uae30\ub2a5\uc785\ub2c8\ub2e4. \uc54c\ubc14\ubaac\uc5d0 \uc811\uc18d\ud574 \uac04\ud3b8\uc54c\ubc14 \ub0b4 \uae09\uc5ec\uacc4\uc0b0\uae30\ub97c \ud1b5\ud574 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uadfc\ubb34\uc2dc\uac04\uacfc \uc2dc\uae09 \ub4f1 \uc870\uac74\uc744 \ub123\uc5b4 \uacc4\uc0b0\ud558\uba74 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc2e4\uc804 \uae09\uc5ec \uacc4\uc0b0 \uc608\uc2dc<\/h2>\n\n\n\n<p>\ud3b8\uc758\uc810 \uc544\ub974\ubc14\uc774\ud2b8(\uc8fc 20\uc2dc\uac04)<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae30\ubcf8 \uc8fc\uae09: 20\uc2dc\uac04 x 10,320\uc6d0 = 206,400\uc6d0&nbsp;<\/li>\n\n\n\n<li>\uc8fc\ud734\uc218\ub2f9: 41,280\uc6d0<\/li>\n\n\n\n<li>\ucd1d \uc8fc\uae09: 247,680\uc6d0<\/li>\n<\/ul>\n\n\n\n<p>\uc815\uaddc\uc9c1(\uc8fc 40\uc2dc\uac04)<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae30\ubcf8 \uc6d4\uae09: 174\uc2dc\uac04 x 10,320\uc6d0 = 1,795,680\uc6d0&nbsp;<\/li>\n\n\n\n<li>\uc8fc\ud734 \ud3ec\ud568 \uc6d4\uae09: 2,156,880\uc6d0<\/li>\n<\/ul>\n\n\n\n<p>\ud30c\ud2b8\ud0c0\uc784(\uc8fc 30\uc2dc\uac04)<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae30\ubcf8 \uc8fc\uae09: 309,600\uc6d0&nbsp;<\/li>\n\n\n\n<li>\uc8fc\ud734\uc218\ub2f9: 61,920\uc6d0<\/li>\n\n\n\n<li>\ucd1d \uc8fc\uae09: 371,520\uc6d0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\uacf5\uc81c\ub418\ub294 \uc138\uae08 \ud56d\ubaa9\ub4e4<\/h2>\n\n\n\n<p>\uadfc\ub85c\uacc4\uc57d\uc11c\uc640 \uc2e4\uc218\ub839\uc561\uc758 \ucc28\uc774\uac00 \ubc1c\uc0dd\ud558\ub294\ub370\uc694. \uadfc\ub85c\uacc4\uc57d\uc11c\uc5d0 \uba85\uc2dc\ud558\ub294 \uae08\uc561\uc740 \uc138\uae08 \uacf5\uc81c \uc804 \uae08\uc561\uc774\ubbc0\ub85c \uc2e4\uc81c \uc218\ub839\ud560\ub300\ub294 \uadfc\ub85c\uc18c\ub4dd\uc138, \uc9c0\ubc29\uc18c\ub4dd\uc138, 4\ub300\ubcf4\ud5d8\uc774 \uacf5\uc81c\ub429\ub2c8\ub2e4. \uc2dc\uae09\uc5d0 \uc8fc\ud734\uc218\ub2f9\uc744 \ud3ec\ud568\ud55c \ub4a4 \uc2e4\uc81c \uc9c0\uae09\ub418\ub294 \uae08\uc561\uc740 \uc5ec\ub7ec \uc138\uae08\uc774 \uacf5\uc81c\ub41c \uc138\ud6c4 \uae08\uc561\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc18c\ub4dd\uc138 : \uae09\uc5ec\uc5d0 \ub530\ub77c \ub204\uc9c4\uc138\uc728 \uc801\uc6a9\ub418\uba70 \uc77c\ubc18\uc801\uc73c\ub85c \uc6d4 120\ub9cc\uc6d0 \uc774\ud558\uc2dc \ube44\uacfc\uc138<\/li>\n\n\n\n<li>\uc9c0\ubc29 \uc18c\ub4dd\uc138: \uc18c\ub4dd\uc138\uc758 10% \ucd94\uac00 \ubd80\uacfc<\/li>\n\n\n\n<li>4\ub300\ubcf4\ud5d8 : \uc8fc 15\uc2dc\uac04 \uc774\uc0c1 \uadfc\ubb34\uc2dc \uc801\uc6a9&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\ub9c8\ubb34\ub9ac<\/h2>\n\n\n\n<p>\uc8fc\ud734\uc218\ub2f9\uc740 \uadfc\ub85c\uc790\uc758 \uc815\ub2f9\ud55c \uad8c\ub9ac\uc774\uc790 \uadfc\ubb34 \uc2dc\uac04\uc5d0 \ub300\ud55c \ubcf4\uc0c1\uc785\ub2c8\ub2e4. \uac04\ub2e8\ud55c \uc870\uac74\uc774 \ucda9\uc871\ub418\uba74 \ubc1b\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \ub193\uce58\uc9c0 \ub9d0\uace0 \uaf2d \ucc59\uaca8\uac00\uc138\uc694. \uc774\ubc88\uae00\uc744 \ud1b5\ud574 \uc8fc\ud734\uc218\ub2f9\uc758 \ubaa8\ub4e0\uac83\uc744 \uc774\ud574\ud558\uace0 \uc815\ud655\ud558\uac8c \uacc4\uc0b0\ud574\ubcf4\uc168\uae38 \ud76c\ub9dd\ud569\ub2c8\ub2e4. \ub9cc\uc57d \uc0ac\uc5c5\uc8fc\uac00 \uc8fc\ud734\uc218\ub2f9\uc744 \uc9c0\uae09\ud558\uc9c0 \uc54a\uc73c\uba74 \uace0\uc6a9\ub178\ub3d9\ubd80\uc5d0 \uc2e0\uace0\ud574\uc11c \uad8c\ub9ac\ub97c \uc9c0\ud0a4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4. \uc55e\uc73c\ub85c\ub3c4 \uc54c\ubc14\uc640 \uc9c1\uc7a5\uc0dd\ud65c\uc5d0\uc11c \ub2f9\ub2f9\ud558\uace0 \ub611\ub611\ud55c \uadfc\ub85c\uc790\uac00 \ub418\uc2dc\uae38 \uc751\uc6d0\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n<div class=\"swell-block-postLink\">\t\t\t<div class=\"p-blogCard -external\" data-type=\"type3\" data-onclick=\"clickLink\">\n\t\t\t\t<div class=\"p-blogCard__inner\">\n\t\t\t\t\t<span class=\"p-blogCard__caption\">\uad00\ub828 \uae30\uc0ac<\/span>\n\t\t\t\t\t<div class=\"p-blogCard__thumb c-postThumb\"><figure class=\"c-postThumb__figure\"><img decoding=\"async\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/joafinance.com-G-18.png\" alt=\"\" class=\"c-postThumb__img u-obf-cover\" width=\"320\" height=\"180\"><\/figure><\/div>\t\t\t\t\t<div class=\"p-blogCard__body\">\n\t\t\t\t\t\t<a class=\"p-blogCard__title\" href=\"https:\/\/joafinance.com\/?p=294\" target=\"_blank\" rel=\"noopener noreferrer\">\ud30c\ud0b9\ud1b5\uc7a5 \uc21c\uc704 2026 \u2013 \uad6d\ub0b4 CMA \uae08\ub9ac \ube44\uad50 &amp; \ucd94\ucc9c \uacc4\uc88c \ud55c\ub208\uc5d0 &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\uc5ec\uc720 \uc790\uae08\uc774 \uc0dd\uae30\uba74 \u2018\uc5b4\ub514\uc5d0 \ub123\uc5b4\ub450\ub294 \uac8c \uc88b\uc744\uae4c\u2019\ub77c\ub294 \uace0\ubbfc\uc744 \ud558\uac8c \ub418\uc8e0?<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\uc54c\ubc14\uc0dd\uacfc \uc9c1\uc7a5\uc778 \ubaa8\ub450 \ub193\uce58\uba74 \uc190\ud574\uc778 \uc8fc\ud734\uc218\ub2f9\uc5d0 \ub300\ud55c \uc870\uac74, \uacc4\uc0b0\ubc95, \uc2e0\uace0\ubc29\ubc95\uae4c\uc9c0 \uaf3c\uaf3c\ud558\uac8c \uc54c\ub824\ub4dc\ub9bd\ub2c8\ub2e4. 2025\ub144 \ucd5c\uc800\uc2dc\uae09, 2026\ub144 \ucd5c\uc800\uc2dc\uae09 \uc815\ubcf4\uc640 \uc2e4\uc804 \uacc4\uc0b0 \uc608\uc2dc, \uadf8\ub9ac\uace0 \ubb34\ub8cc \uacc4\uc0b0\uae30 \ud65c\uc6a9\ubc95\uae4c\uc9c0 \ud55c\ub208\uc5d0 \ud655\uc778\ud574\ubcf4\uc138\uc694.&nbsp; \uc8fc\ud734\uc218\ub2f9\uc774\ub780? 1\uc8fc\ub2f9\uc548 \uc18c\uc815\uadfc\ub85c\uc77c\uc744 \uac1c\uadfc\ud558\uace0 \uc77c\uc815\uc2dc\uac04 \uc774\uc0c1 \uadfc\ubb34\ud560 \uacbd\uc6b0 \ubd80\uc5ec\ub418\ub294 \uc720\uae09\ud734\uc77c\uc758 \uc784\uae08\uc73c\ub85c \uadfc\ub85c\uae30\uc900\ubc95 \uc81c 55\uc870\uc5d0 \uadfc\uac70\ud558\uc5ec \uc77c\ud55c\ub0a0\uc5d0 1\uc77c\uce58 \uc784\uae08\uc744 \ub354 \uc8fc\ub294 \uac83\uc785\ub2c8\ub2e4. \uc8fc\ud734\uc218\ub2f9\uc744 \ubc1b\uc73c\uba74 \uc6d4\uae09\uc758 20%\uac00 \uc99d\uac00\ud558\uace0 5\uc77c\uc744 \uadfc\ubb34\ud574\ub3c4 6\uc77c\uce58 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":114,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-113","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-9"],"_links":{"self":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/113","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=113"}],"version-history":[{"count":2,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/113\/revisions"}],"predecessor-version":[{"id":757,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/113\/revisions\/757"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/114"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=113"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=113"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=113"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}