<div style="text-align:left;"><font face="맑은 고딕"><img src="http://thimg.todayhumor.co.kr/upfile/201802/15182330814a202db0a68e40b6bf7d8e7f8834a2a4__mn482991__w1103__h1089__f155381__Ym201802.png" width="800" height="790" alt="제목 없음11.png" class="chimg_photo" style="border:none;" filesize="155381"></font></div> <div style="text-align:left;"><font face="맑은 고딕"><br></font></div> <div style="text-align:left;"><font face="맑은 고딕">1.</font></div> <div style="text-align:left;"><font face="맑은 고딕">부동산 시장에 이상기운이 감지되고 있습니다. 그동안 실거주 혹은 갭투자로 준공 후 미분양이 저점을 찍었었는데,</font></div> <div style="text-align:left;"><font face="맑은 고딕">12월을 "준공 후 미분양"이 변곡점을 찍고 상승하고 있습니다. </font></div> <div style="text-align:left;"><font face="맑은 고딕"><br></font></div> <div style="text-align:left;"><font face="맑은 고딕">2018년 입주 물량을 가늠하여 보면, 미분양 주택 수는 지속적으로 상승할 게 자명합니다. 즉, 부동산 패러다임이 변화하고 있습니다.</font></div> <div style="text-align:left;"><font face="맑은 고딕">이러는 와중에도 건설사들은 분양을 계속 하고 있습니다(분양 하지 않으면 도산하므로,) 하지만 청약 미분양이 될 확률이 높을 것 같네요.</font></div> <div style="text-align:left;"><font face="맑은 고딕"><br></font></div> <div style="text-align:left;"><font face="맑은 고딕">대우건설 및 부영주택의 몰락으로 미루어 보아, 건설 시장의 파란이 예상됩니다. 대한민국 부동산 시장이 암흑기로 접어 드네요.</font></div> <div style="text-align:left;"><font face="맑은 고딕"><br></font></div> <div style="text-align:left;"> <div style="text-align:left;"><font face="맑은 고딕"><img src="http://thimg.todayhumor.co.kr/upfile/201802/1518233965d30f5eb6a3204b46af596504d750a0d3__mn482991__w1071__h909__f158892__Ym201802.png" width="800" height="679" alt="제목 없음111.png" class="chimg_photo" style="border:none;" filesize="158892"></font></div><font face="맑은 고딕"><br></font></div><font face="맑은 고딕">최근 관심있게 보고 있는 김포 구래동의 모습입니다. 얼마전까지도 부동산 거래가 활발했습니다. 하지만 입주 시점이 다가오자, 최초 투기자본은</font> <div><font face="맑은 고딕">빠져나가고 물려있는 사람이 많다고 보여집니다.</font></div> <div><font face="맑은 고딕"><br></font></div> <div><font face="맑은 고딕">빨간색 음영은, 마이너스피가 나왔거나 앞으로 마이너스피가 나올 아파트 단지의 모습입니다. 한 신도시에 이정도로 문제가 되는 아파트가 많으면,</font></div> <div><span style="font-size:9pt;"><font face="맑은 고딕">투자 손실로 이어지게 되고, 투자자들의 손실은 결국 전염병처럼 주변 아파트에 까지 퍼져나가죠. </font></span></div> <div><span style="font-size:9pt;"><font face="맑은 고딕"> </font></span></div> <div><span style="font-size:9pt;"><font face="맑은 고딕">그 밑에 인천 가정지구의 입주 물량으로 인해, 주변 아파트와 청라지구의 전세 가격이 두달 만에 -5000 정도 하락하였습니다. 이는 무시못할 수치 변화이므로 부동산 포트폴리오를 점검해야할 시기입니다.</font></span></div> <div><font face="맑은 고딕"><br></font></div> <div> <p style="line-height:70%;margin-left:40pt;margin-right:5pt;text-indent:-40pt;text-align:center;font-weight:bold;font-size:14pt;"><font face="맑은 고딕"><u><span style="font-size:14pt;">국내은행 원화대출</span></u><u><span lang="en-us" style="letter-spacing:0pt;vertical-align:super;font-size:14pt;">*</span></u><u><span lang="en-us" style="font-size:14pt;"> </span></u><u><span style="font-size:14pt;">부문별 연체율</span></u><u><span lang="en-us" style="letter-spacing:0pt;vertical-align:super;font-size:14pt;">**</span></u><u><span lang="en-us" style="font-size:14pt;"> </span></u><u><span style="font-size:14pt;">추이</span></u></font></p> <p style="line-height:110%;margin-left:30.2pt;text-indent:-30.2pt;text-align:right;letter-spacing:-.2pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:-.2pt;">(</span><span style="letter-spacing:-.2pt;">단위 </span><span lang="en-us" style="letter-spacing:-.2pt;">: %)</span></font></p> <table style="border-collapse:collapse;border-left:none;border-bottom:none;border-right:none;"><tbody><tr><td colspan="2" rowspan="2" style="width:79.42pt;height:22pt;padding:1.41pt;border-top:1.7pt solid rgb(0,0,0);border-left:none;border-bottom:.25pt solid rgb(0,0,0);border-right:.85pt solid rgb(0,0,0);background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><span style="font-size:11pt;"><font face="맑은 고딕">구 분</font></span></p></td> <td colspan="2" style="width:73.6pt;height:11pt;padding:1.41pt;border-width:1.7pt .56pt .28pt .28pt;border-style:solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">'</span><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">13</span><span style="font-size:11pt;">년</span></font></p></td> <td colspan="2" style="width:73.6pt;height:11pt;padding:1.41pt;border-top:1.7pt solid rgb(0,0,0);border-left:none;border-bottom:.28pt solid rgb(0,0,0);border-right:.28pt solid rgb(0,0,0);background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">'</span><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">14</span><span style="font-size:11pt;">년</span></font></p></td> <td colspan="2" style="width:73.6pt;height:11pt;padding:1.41pt;border-width:1.7pt .25pt .28pt .28pt;border-style:solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">'</span><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">15</span><span style="font-size:11pt;">년</span></font></p></td> <td colspan="2" style="width:73.6pt;height:11pt;padding:1.41pt;border-width:1.7pt .28pt .28pt .25pt;border-style:solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">'16</span><span style="font-size:11pt;">년</span></font></p></td> <td colspan="3" style="width:110.4pt;height:11pt;padding:1.41pt;border-width:1.7pt 1.98pt .56pt .28pt;border-style:solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">'17</span><span style="font-size:11pt;">년</span></font></p></td></tr><tr><td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:.28pt .28pt .25pt;border-style:solid dotted solid solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">9</span><span style="font-size:11pt;">말</span></font></p></td> <td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:.28pt .56pt .25pt .28pt;border-style:solid solid solid dotted;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">12</span><span style="font-size:11pt;">말</span></font></p></td> <td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:.28pt .28pt .25pt .56pt;border-style:solid dotted solid solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">9</span><span style="font-size:11pt;">말</span></font></p></td> <td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:.28pt .28pt .25pt;border-style:solid solid solid dotted;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;vertical-align:super;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">12</span><span style="font-size:11pt;">말</span></font></p></td> <td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:.28pt .28pt .25pt;border-style:solid dotted solid solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">9</span><span style="font-size:11pt;">말</span></font></p></td> <td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:.28pt .25pt .25pt .28pt;border-style:solid solid solid dotted;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">12</span><span style="font-size:11pt;">말</span></font></p></td> <td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:.28pt .28pt .25pt .25pt;border-style:solid dotted solid solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">9</span><span style="font-size:11pt;">말</span></font></p></td> <td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:.28pt .28pt .25pt;border-style:solid solid solid dotted;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">12</span><span style="font-size:11pt;">말</span></font></p></td> <td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:.28pt .28pt .25pt;border-style:solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">7</span><span style="font-size:11pt;">말</span></font></p></td> <td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:.56pt 1.7pt .25pt .28pt;border-style:solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;font-weight:bold;vertical-align:super;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;">8</span><span style="font-size:11pt;">말</span></font></p></td> <td style="width:36.8pt;height:11pt;padding:1.41pt;border-width:1.7pt 1.7pt .25pt;border-style:solid;border-color:#000000;background:#ccffff;" valign="middle"> <p style="text-align:center;letter-spacing:0pt;vertical-align:super;font-size:11pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-weight:bold;font-size:11pt;">9</span><span style="font-weight:bold;font-size:11pt;">말</span><span lang="en-us" style="letter-spacing:0pt;vertical-align:super;font-size:11pt;">P</span></font></p></td></tr><tr><td colspan="2" style="width:79.42pt;height:16.67pt;padding:1.41pt 1.41pt 1.41pt 0pt;border-top:.25pt solid rgb(0,0,0);border-left:none;border-bottom:none;border-right:.85pt solid rgb(0,0,0);" valign="middle"> <p style="font-weight:bold;font-size:11pt;"><span style="font-size:11pt;"><font face="맑은 고딕">기업대출</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt .28pt .28pt;border-style:solid dotted dotted solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.99</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt .56pt .28pt .28pt;border-style:solid solid dotted dotted;border-color:#000000;" valign="middle"> <p class="2" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.86 </font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt .28pt .28pt .56pt;border-style:solid dotted dotted solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">1.07</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt .28pt .28pt;border-style:solid solid dotted dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.77</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt .28pt .28pt;border-style:solid dotted dotted solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.86</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt .25pt .28pt .28pt;border-style:solid solid dotted dotted;border-color:#000000;" valign="middle"> <p class="4" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.78</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt .28pt .28pt .25pt;border-style:solid dotted dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">1.21</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt .28pt .28pt;border-style:solid solid dotted dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.66 </font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt .28pt .28pt;border-style:solid solid dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.67</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt 1.7pt .28pt .28pt;border-style:solid solid dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.69</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.25pt 1.7pt .28pt;border-style:solid solid dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-weight:bold;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.58</font></span></p></td></tr><tr><td style="width:4.24pt;height:16.67pt;padding:1.41pt 1.41pt 1.41pt 0pt;border-top:none;border-left:none;border-bottom:none;border-right:.28pt dotted rgb(0,0,0);" valign="middle"> <p style="font-weight:bold;font-size:11pt;"><span style="font-size:11pt;"><font face="맑은 고딕">   </font></span></p><p></p></td> <td style="width:75.18pt;height:16.67pt;padding:1.41pt 1.41pt 1.41pt 0pt;border-width:.28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p style="font-weight:bold;font-size:11pt;"><span style="font-size:11pt;"><font face="맑은 고딕">대기업</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.79</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .56pt .28pt .28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p class="5" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.81 </font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .28pt .56pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.90</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.57</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">1.00</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .25pt .28pt .28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.92</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .28pt .25pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">2.67</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.77</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.58</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt 1.7pt .28pt .28pt;border-style:dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.56</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt 1.7pt;border-style:dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-weight:bold;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.40</font></span></p></td></tr><tr><td style="width:4.24pt;height:16.67pt;padding:1.41pt 1.41pt 1.41pt 0pt;border-top:none;border-left:none;border-bottom:.25pt solid rgb(0,0,0);border-right:.28pt dotted rgb(0,0,0);" valign="middle"> <p style="font-weight:bold;font-size:11pt;"><span style="font-size:11pt;"><font face="맑은 고딕">   </font></span></p><p></p></td> <td style="width:75.18pt;height:16.67pt;padding:1.41pt 1.41pt 1.41pt 0pt;border-top:.28pt dotted rgb(0,0,0);border-left:.28pt dotted rgb(0,0,0);border-bottom:none;border-right:.85pt solid rgb(0,0,0);" valign="middle"> <p style="font-weight:bold;font-size:11pt;"><span style="font-size:11pt;"><font face="맑은 고딕">중소기업</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .28pt .85pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">1.06</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .56pt .28pt .28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p class="5" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.88 </font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .28pt .56pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">1.13</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.84</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.82</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .25pt .28pt .28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.73</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .28pt .25pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.79</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.63 </font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.69</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt 1.7pt .28pt .28pt;border-style:dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.73</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt 1.7pt;border-style:dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-weight:bold;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.63</font></span></p></td></tr><tr><td colspan="2" style="width:79.42pt;height:16.67pt;padding:1.41pt 1.41pt 1.41pt 0pt;border-top:.25pt solid rgb(0,0,0);border-left:none;border-bottom:none;border-right:.28pt solid rgb(0,0,0);" valign="middle"> <p style="font-weight:bold;font-size:11pt;"><span style="font-size:11pt;"><font face="맑은 고딕">가계대출</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt .28pt;border-style:solid dotted dotted solid;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.83</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .56pt .28pt .28pt;border-style:solid solid dotted dotted;border-color:#000000;" valign="middle"> <p class="5" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.63 </font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt .28pt .56pt;border-style:solid dotted dotted solid;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.59</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt .28pt;border-style:solid solid dotted dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.49</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt .28pt;border-style:solid dotted dotted solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.39</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .25pt .28pt .28pt;border-style:solid solid dotted dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.33</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt .28pt .25pt;border-style:solid dotted dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.30</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt .28pt;border-style:solid solid dotted dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.26</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt .28pt;border-style:solid solid dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.26</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt 1.7pt .28pt .28pt;border-style:solid solid dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.28</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt 1.7pt .28pt;border-style:solid solid dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-weight:bold;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.25</font></span></p></td></tr><tr><td rowspan="2" style="width:4.24pt;height:33.34pt;padding:1.41pt 1.41pt 1.41pt 0pt;border-top:none;border-left:none;border-bottom:.56pt double rgb(0,0,0);border-right:.28pt dotted rgb(0,0,0);" valign="middle"> <p style="font-weight:bold;font-size:11pt;"><span style="font-size:11pt;"><font face="맑은 고딕">   </font></span></p><p></p></td> <td style="width:75.18pt;height:16.67pt;padding:1.41pt 1.41pt 1.41pt 0pt;border-width:.28pt .28pt .56pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p style="font-weight:bold;font-size:11pt;"><span style="font-size:11pt;"><font face="맑은 고딕">주택담보대출</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.80</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .56pt .28pt .28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p class="2" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.58 </font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .28pt .56pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.50</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.41</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.32</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .25pt .28pt .28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.27</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .28pt .25pt;border-style:dotted dotted dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.24</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted solid dotted dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.19 </font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt;border-style:dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.19</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt 1.7pt .28pt .28pt;border-style:dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.19</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt 1.7pt;border-style:dotted solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-weight:bold;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.18</font></span></p></td></tr><tr><td style="width:75.18pt;height:16.67pt;padding:1.41pt 1.41pt 1.41pt 0pt;border-width:.56pt .28pt;border-style:dotted solid double dotted;border-color:#000000;" valign="middle"> <p style="letter-spacing:-1.4pt;font-weight:bold;font-size:11pt;"><span style="letter-spacing:-1.4pt;font-size:11pt;"><font face="맑은 고딕">가계신용대출 등</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .56pt;border-style:dotted dotted double solid;border-color:#000000;" valign="middle"> <p class="4" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.91</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .56pt .56pt .28pt;border-style:dotted solid double dotted;border-color:#000000;" valign="middle"> <p class="2" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.73 </font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .56pt .56pt;border-style:dotted dotted double solid;border-color:#000000;" valign="middle"> <p class="4" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.80</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .56pt;border-style:dotted solid double dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.67</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .56pt;border-style:dotted dotted double solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.58</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .25pt .56pt .28pt;border-style:dotted solid double dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.48</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .56pt .25pt;border-style:dotted dotted double solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.46</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .56pt;border-style:dotted solid double dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.41</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt .28pt .56pt;border-style:dotted solid double;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.45</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt 1.7pt .56pt .28pt;border-style:dotted solid double;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.48</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.28pt 1.7pt .56pt;border-style:dotted solid double;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-weight:bold;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.40</font></span></p></td></tr><tr><td colspan="2" style="width:79.42pt;height:16.67pt;padding:1.41pt 1.41pt 1.41pt 0pt;border-top:.56pt double rgb(0,0,0);border-left:none;border-bottom:1.7pt solid rgb(0,0,0);border-right:.85pt solid rgb(0,0,0);" valign="middle"> <p style="font-weight:bold;font-size:11pt;"><span style="font-size:11pt;"><font face="맑은 고딕">원화대출 계</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt 1.7pt;border-style:double dotted solid solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.91</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .56pt 1.7pt .28pt;border-style:double solid solid dotted;border-color:#000000;" valign="middle"> <p class="2" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.76 </font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt 1.7pt .56pt;border-style:double dotted solid solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.86</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt 1.7pt;border-style:double solid solid dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.64</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt 1.7pt;border-style:double dotted solid solid;border-color:#000000;" valign="middle"> <p class="1" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.66</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .25pt 1.7pt .28pt;border-style:double solid solid dotted;border-color:#000000;" valign="middle"> <p class="3" style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">0.58</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt 1.7pt .25pt;border-style:double dotted solid solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.80</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt 1.7pt;border-style:double solid solid dotted;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.47</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt .28pt 1.7pt;border-style:double solid solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.48</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt 1.7pt 1.7pt .28pt;border-style:double solid solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.50</font></span></p></td> <td style="width:36.8pt;height:16.67pt;padding:1.42pt;border-width:.56pt 1.7pt 1.7pt;border-style:double solid solid;border-color:#000000;" valign="middle"> <p style="line-height:120%;margin-right:5pt;text-align:right;letter-spacing:0pt;font-weight:bold;font-size:11pt;"><span lang="en-us" style="letter-spacing:0pt;font-size:11pt;"><font face="맑은 고딕">0.43</font></span></p></td></tr></tbody></table><font face="맑은 고딕"><br></font></div> <div><font face="맑은 고딕"><br></font></div> <div> <p class="1" style="text-align:center;font-weight:bold;font-size:14pt;"><u><span style="font-size:14pt;"><font face="맑은 고딕">저축은행 대출차주 업종별 연체율 현황</font></span></u></p> <p class="1" style="text-align:right;letter-spacing:0pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;">(</span>단위 <span lang="en-us" style="letter-spacing:0pt;">: %, %p)</span></font></p> <table style="border-collapse:collapse;border-left:none;border-bottom:none;border-right:none;"><tbody><tr><td colspan="3" style="width:211.36pt;height:23.31pt;border-top:1.7pt solid rgb(0,0,0);border-left:none;border-bottom:.25pt solid rgb(0,0,0);border-right:.25pt solid rgb(0,0,0);background:#e0e5fa;" valign="middle"> <p class="2" style="line-height:110%;text-align:center;font-weight:bold;"><font face="맑은 고딕">구분</font></p></td> <td style="width:93.16pt;height:23.31pt;border-top:1.7pt solid rgb(0,0,0);border-left:none;border-bottom:.56pt solid rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);background:#e0e5fa;" valign="middle"> <p class="3" style="line-height:110%;text-align:center;letter-spacing:0pt;font-weight:bold;font-size:10pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:12pt;">’</span><span lang="en-us" style="letter-spacing:0pt;">16.12</span>말<span lang="en-us" style="letter-spacing:0pt;font-size:10pt;">(A)</span></font></p></td> <td style="width:93.16pt;height:23.31pt;border-width:2.55pt 2.55pt .28pt;border-style:solid;border-color:#0000ff;background:#e0e5fa;" valign="middle"> <p class="3" style="line-height:110%;text-align:center;letter-spacing:0pt;font-weight:bold;font-size:10pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:12pt;">’</span><span lang="en-us" style="letter-spacing:0pt;">17.9</span>말<span lang="en-us" style="letter-spacing:0pt;font-size:10pt;">(B)</span></font></p></td> <td style="width:84.67pt;height:23.31pt;border-top:1.7pt solid rgb(0,0,0);border-left:2.55pt solid rgb(0,0,255);border-bottom:.28pt solid rgb(0,0,0);border-right:none;background:#e0e5fa;" valign="middle"> <p class="4" style="line-height:110%;letter-spacing:0pt;font-weight:bold;"><font face="맑은 고딕"><span style="font-size:11pt;">증감</span><span lang="en-us" style="letter-spacing:0pt;">(B-A)</span></font></p></td></tr><tr><td colspan="3" style="width:211.36pt;height:20.48pt;border-top:.56pt solid rgb(0,0,0);border-left:none;border-bottom:none;border-right:.25pt solid rgb(0,0,0);" valign="middle"> <p class="5" style="line-height:110%;text-align:justify;font-weight:bold;font-size:12pt;"><span style="font-size:12pt;"><font face="맑은 고딕">총여신</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-top:.56pt solid rgb(0,0,0);border-left:none;border-bottom:.56pt solid rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);" valign="middle"> <p class="6" style="margin-right:3pt;text-align:center;letter-spacing:0pt;font-weight:bold;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">5.8</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-width:.28pt 2.55pt .56pt;border-style:solid;border-color:#000000;background:#fafabf;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:center;letter-spacing:0pt;font-weight:bold;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">4.8</font></span></p></td> <td style="width:84.67pt;height:20.48pt;border-top:.28pt solid rgb(0,0,0);border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt solid rgb(0,0,0);border-right:none;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;font-weight:bold;"><font face="맑은 고딕"><span style="letter-spacing:0pt;">△</span><span lang="en-us" style="letter-spacing:0pt;">1.0</span></font></p></td></tr><tr><td style="width:41.33pt;height:20.48pt;border-top:none;border-left:none;border-bottom:none;border-right:.56pt solid rgb(0,0,0);" valign="middle"> <p class="8" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><span style="letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕">　</font></span></p></td> <td colspan="2" style="width:170.03pt;height:20.48pt;border-top:.56pt solid rgb(0,0,0);border-left:none;border-bottom:none;border-right:.25pt solid rgb(0,0,0);" valign="middle"> <p class="9" style="line-height:110%;text-align:justify;font-weight:bold;font-size:12pt;"><span style="font-size:12pt;"><font face="맑은 고딕">기업대출</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:none;border-bottom:.56pt dotted rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);" valign="middle"> <p class="10" style="margin-right:3pt;letter-spacing:0pt;font-weight:bold;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">6.1</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt dotted rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);background:#fafabf;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;font-weight:bold;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">5.2</font></span></p></td> <td style="width:84.67pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt dotted rgb(0,0,0);border-right:none;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;font-weight:bold;"><font face="맑은 고딕"><span style="letter-spacing:0pt;">△</span><span lang="en-us" style="letter-spacing:0pt;">0.9</span></font></p></td></tr><tr><td style="width:41.33pt;height:20.48pt;border-top:none;border-left:none;border-bottom:none;border-right:.56pt solid rgb(0,0,0);" valign="middle"> <p class="8" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><span style="letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕">　</font></span></p></td> <td style="width:32.84pt;height:20.48pt;border-top:none;border-left:none;border-bottom:none;border-right:.56pt dotted rgb(0,0,0);" valign="middle"> <p class="11" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><span style="letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕">　</font></span></p></td> <td style="width:137.19pt;height:20.48pt;border-top:.56pt dotted rgb(0,0,0);border-left:none;border-bottom:.56pt dotted rgb(0,0,0);border-right:.25pt solid rgb(0,0,0);" valign="middle"> <p class="12" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:12pt;">(</span><span style="font-size:12pt;">건설업</span><span lang="en-us" style="letter-spacing:0pt;font-size:12pt;">)</span></font></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:none;border-bottom:.56pt dotted rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);" valign="middle"> <p class="13" style="margin-right:3pt;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">7.6</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt dotted rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);background:#fafabf;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">5.2</font></span></p></td> <td style="width:84.67pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt dotted rgb(0,0,0);border-right:none;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;"><font face="맑은 고딕"><span style="letter-spacing:0pt;">△</span><span lang="en-us" style="letter-spacing:0pt;">2.4</span></font></p></td></tr><tr><td style="width:41.33pt;height:20.48pt;border-top:none;border-left:none;border-bottom:none;border-right:.56pt solid rgb(0,0,0);" valign="middle"> <p class="8" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><span style="letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕">　</font></span></p></td> <td style="width:32.84pt;height:20.48pt;border-top:none;border-left:none;border-bottom:none;border-right:.56pt dotted rgb(0,0,0);" valign="middle"> <p class="11" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><span style="letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕">　</font></span></p></td> <td style="width:137.19pt;height:20.48pt;border-top:.56pt dotted rgb(0,0,0);border-left:none;border-bottom:.56pt dotted rgb(0,0,0);border-right:.25pt solid rgb(0,0,0);" valign="middle"> <p class="12" style="line-height:110%;text-align:justify;letter-spacing:-.2pt;font-size:12pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:-.2pt;font-size:12pt;">(</span><span style="letter-spacing:-.2pt;font-size:12pt;">부동산업 및 임대업</span><span lang="en-us" style="letter-spacing:-.2pt;font-size:12pt;">)</span></font></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:none;border-bottom:.56pt dotted rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);" valign="middle"> <p class="13" style="margin-right:3pt;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">4.4</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt dotted rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);background:#fafabf;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">3.2</font></span></p></td> <td style="width:84.67pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt dotted rgb(0,0,0);border-right:none;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;"><font face="맑은 고딕"><span style="letter-spacing:0pt;">△</span><span lang="en-us" style="letter-spacing:0pt;">1.2</span></font></p></td></tr><tr><td style="width:41.33pt;height:20.48pt;border-top:none;border-left:none;border-bottom:none;border-right:.56pt solid rgb(0,0,0);" valign="middle"> <p class="8" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><span style="letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕">　</font></span></p></td> <td style="width:32.84pt;height:20.48pt;border-top:none;border-left:none;border-bottom:.56pt solid rgb(0,0,0);border-right:.56pt dotted rgb(0,0,0);" valign="middle"> <p class="14" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><span style="letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕">　</font></span></p></td> <td style="width:137.19pt;height:20.48pt;border-top:.56pt dotted rgb(0,0,0);border-left:none;border-bottom:.56pt solid rgb(0,0,0);border-right:.25pt solid rgb(0,0,0);" valign="middle"> <p class="15" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:12pt;">(PF</span><span style="font-size:12pt;">대출</span><span lang="en-us" style="letter-spacing:0pt;font-size:12pt;">)</span></font></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:none;border-bottom:.56pt solid rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);" valign="middle"> <p class="16" style="margin-right:3pt;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">11.7</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt solid rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);background:#fafabf;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">8.5</font></span></p></td> <td style="width:84.67pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt solid rgb(0,0,0);border-right:none;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;"><font face="맑은 고딕"><span style="letter-spacing:0pt;">△</span><span lang="en-us" style="letter-spacing:0pt;">3.2</span></font></p></td></tr><tr><td style="width:41.33pt;height:20.48pt;border-top:none;border-left:none;border-bottom:none;border-right:.56pt solid rgb(0,0,0);" valign="middle"> <p class="8" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><span style="letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕">　</font></span></p></td> <td colspan="2" style="width:170.03pt;height:20.48pt;border-top:.56pt solid rgb(0,0,0);border-left:none;border-bottom:none;border-right:.25pt solid rgb(0,0,0);" valign="middle"> <p class="9" style="line-height:110%;text-align:justify;font-weight:bold;font-size:12pt;"><span style="font-size:12pt;"><font face="맑은 고딕">가계대출</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:none;border-bottom:.56pt dotted rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);" valign="middle"> <p class="10" style="margin-right:3pt;letter-spacing:0pt;font-weight:bold;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">5.5</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt dotted rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);background:#fafabf;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;font-weight:bold;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">4.5</font></span></p></td> <td style="width:84.67pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.56pt dotted rgb(0,0,0);border-right:none;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;font-weight:bold;"><font face="맑은 고딕"><span style="letter-spacing:0pt;">△</span><span lang="en-us" style="letter-spacing:0pt;">1.0</span></font></p></td></tr><tr><td style="width:41.33pt;height:20.48pt;border-top:none;border-left:none;border-bottom:none;border-right:.56pt solid rgb(0,0,0);" valign="middle"> <p class="8" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><span style="letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕">　</font></span></p></td> <td style="width:32.84pt;height:20.48pt;border-top:none;border-left:none;border-bottom:none;border-right:.56pt dotted rgb(0,0,0);" valign="middle"> <p class="14" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><span style="letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕">　</font></span></p></td> <td style="width:137.19pt;height:20.48pt;border-top:.56pt dotted rgb(0,0,0);border-left:none;border-bottom:.56pt dotted rgb(0,0,0);border-right:.25pt solid rgb(0,0,0);" valign="middle"> <p class="15" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:12pt;">(</span><span style="font-size:12pt;">주택담보대출</span><span lang="en-us" style="letter-spacing:0pt;font-size:12pt;">)</span></font></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:none;border-bottom:.28pt dotted rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);" valign="middle"> <p class="17" style="margin-right:3pt;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">3.1</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.28pt dotted rgb(0,0,0);border-right:2.55pt solid rgb(0,0,255);background:#fafabf;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">1.9</font></span></p></td> <td style="width:84.67pt;height:20.48pt;border-top:none;border-left:2.55pt solid rgb(0,0,255);border-bottom:.28pt dotted rgb(0,0,0);border-right:none;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;"><font face="맑은 고딕"><span style="letter-spacing:0pt;">△</span><span lang="en-us" style="letter-spacing:0pt;">1.2</span></font></p></td></tr><tr><td style="width:41.33pt;height:20.48pt;border-top:none;border-left:none;border-bottom:1.7pt solid rgb(0,0,0);border-right:.56pt solid rgb(0,0,0);" valign="middle"> <p class="8" style="line-height:110%;text-align:justify;font-size:12pt;"><span style="font-size:12pt;"><font face="맑은 고딕">   </font></span></p><p></p></td> <td style="width:32.84pt;height:20.48pt;border-top:none;border-left:none;border-bottom:1.7pt solid rgb(0,0,0);border-right:.28pt dotted rgb(0,0,0);" valign="middle"> <p class="14" style="line-height:110%;text-align:justify;font-size:12pt;"><span style="font-size:12pt;"><font face="맑은 고딕">   </font></span></p><p></p></td> <td style="width:137.19pt;height:20.48pt;border-width:.56pt .28pt 1.7pt;border-style:dotted solid solid dotted;border-color:#000000;" valign="middle"> <p class="15" style="line-height:110%;text-align:justify;letter-spacing:0pt;font-size:12pt;"><font face="맑은 고딕"><span lang="en-us" style="letter-spacing:0pt;font-size:12pt;">(</span><span style="font-size:12pt;">가계신용대출</span><span lang="en-us" style="letter-spacing:0pt;font-size:12pt;">)</span></font></p></td> <td style="width:93.16pt;height:20.48pt;border-width:.28pt 2.55pt 1.7pt .28pt;border-style:dotted solid solid;border-color:#000000;" valign="middle"> <p class="17" style="margin-right:3pt;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">8.2</font></span></p></td> <td style="width:93.16pt;height:20.48pt;border-width:.28pt 2.55pt 2.55pt;border-style:dotted solid solid;border-color:#000000;background:#fafabf;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;"><span lang="en-us" style="letter-spacing:0pt;"><font face="맑은 고딕">6.4</font></span></p></td> <td style="width:84.67pt;height:20.48pt;border-top:.28pt dotted rgb(0,0,0);border-left:2.55pt solid rgb(0,0,255);border-bottom:1.7pt solid rgb(0,0,0);border-right:none;" valign="middle"> <p class="7" style="margin-right:3pt;text-align:right;letter-spacing:0pt;"><font face="맑은 고딕"><span style="letter-spacing:0pt;">△</span><span lang="en-us" style="letter-spacing:0pt;">1.8</span></font></p></td></tr></tbody></table><font face="맑은 고딕"><br></font></div> <div> <div><font face="맑은 고딕">2.</font></div> <div><font face="맑은 고딕">대출 연체율은 지속적으로 하락하고 있는 모습입니다. 이걸 보고 의문이 들었습니다. 금리는 인상 중인데 왜 연체율은</font></div> <div><font face="맑은 고딕">하락하고 있는 걸까하고 말입니다. 저는 일종의 후행지표로 생각하고 있습니다.</font></div> <div><font face="맑은 고딕"><br></font></div> <div><font face="맑은 고딕">현재 디딤돌/보금자리론 대출의 연체율을 알 수 없으므로</font></div> <div><span style="font-size:9pt;"><font face="맑은 고딕">집단대출과 제 2금융권(저축은행) 대출의 연체율이 상승하는 지를 민감하게 반응해야 합니다. 이때는 부동산 하락/침체가 </font></span></div> <div><span style="font-size:9pt;"><font face="맑은 고딕">명확해지는 시기이므로, 보유자산의 일정부분을 금이나 달러로 전환해야 될 시기입니다. </font></span></div> <div><span style="font-size:9pt;"><font face="맑은 고딕"><br></font></span></div> <div><span style="font-size:9pt;"><font face="맑은 고딕">3.</font></span></div> <div><font face="맑은 고딕">간혹, HUG가 보증하는, <span style="font-weight:bold;color:#6a6a6a;font-size:small;">전세금안심대출</span><span style="color:#545454;font-size:small;">보증 이 있으므로 </span></font></div> <div><span style="color:#545454;font-size:small;"><font face="맑은 고딕">'내 전세금은 안전해' 라고 생각하는 분들이 계신데, 이는 위험한 생각입니다.</font></span></div> <div><span style="color:#545454;font-size:small;"><font face="맑은 고딕"><br></font></span></div> <div><span style="color:#545454;font-size:small;"><font face="맑은 고딕">HUG 는 자기자본 8조에 전세 보증을 400조를 하고 있으므로 2% 의 부실채권 발생시, 나머지 392조의 전세금은 보증할 수 없습니다.</font></span></div> <div><span style="color:#545454;font-family:'맑은 고딕';font-size:small;">천문학적이라 와닿지 않으므로, 비유적으로 표현해 볼 때,</span></div> <div><span style="color:#545454;font-family:'맑은 고딕';font-size:small;">자산 8억을 가지고 있는 사람이 400억 대출을 받은 셈입니다. </span></div> <div><font color="#545454" face="맑은 고딕" size="2"><br></font></div> <div><span style="color:#545454;font-size:small;"><font face="맑은 고딕"><br></font></span></div> <div><span style="color:#545454;font-size:small;"><font face="맑은 고딕"><br></font></span></div> <div><span style="font-size:9pt;"><font face="맑은 고딕"> </font></span></div></div>