<div><span>현재 국민은행 전세자금대출을 받은 상황입니다</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">.(</font></span><span>버팀목 아닌 일반 은행전세자금대출입니다</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">.)</font></span></div> <div><span>대출금은 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">1</font></span><span>억 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">5</font></span><span>천이구요</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">. </font></span></div> <div><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">6</font></span><span>개월 변동금리로 금리는 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">2.94%</font></span><span>입니다</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">.</font></span></div> <div><span>원리금균등상환 방식으로 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">3</font></span><span>년 거치에 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">10</font></span><span>년 상환</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">. </font></span><span>중도 상환 수수료 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">0.7% </font></span><span>입니다</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">.</font></span></div> <div> <p></p></div> <div><span>질문 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">1. </font></span><span>원리금 균등상환으로 대출받아도 매달 이자 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">+ 100</font></span><span>만원씩 갚을 수 있나요</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">?</font></span></div> <div><font face="굴림"><span lang="en-us" style="font-family:'함초롬바탕';"> </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';">- </span></font><span>일단 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">3</font></span><span>년 거치 상태라 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">3</font></span><span>년 동안은 이자만 갚는 방식인데</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">, </font></span><span>원리금 균등상황으로 대출 진행한 상황이라도 매달 이자에 더해서 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">(</font></span><span>중도상환 수수료만 내면</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">) 100</font></span><span>만원정도 원금을 추가로 갚아 나갈 수 있나요</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">?</font></span></div> <div><span>만약 원금 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">100</font></span><span>만원을 추가로 갚아나갈 수 있다면 중도상황 수수료는 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">100</font></span><span>만원에 대한 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">0.7% </font></span><span>인 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">7000</font></span><span>원이 부과되는 것이 맞나요</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">?</font></span></div> <div> <p></p></div> <div><span>질문</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">2. </font></span><span>만약 질문 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">1</font></span><span>이 가능하다고 할 경우 어떤 것이 더 효율적일까요</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">?</font></span></div> <div><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">- </font></span><span>선택</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">1. (3</font></span><span>년 거치 기간동안</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">) </font></span><span>매달 이자</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">+100</font></span><span>만원을 갚아 나간다</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">.</font></span></div> <div><span lang="en-us" style="font-family:'함초롬바탕';"><font face="굴림"> </font></span><span>선택</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">2. 3</font></span><span>년동안 이자만 내고 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">100</font></span><span>만원은 적금과 같은 저축을 하고 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">3</font></span><span>년 거치 이후 이자</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">+</font></span><span>원금을 갚아나간다</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">.</font></span></div> <div> <p></p></div> <div><span>선택</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">1</font></span><span>과 선택</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">2</font></span><span>중 어떤 것이 더 효율적일까요</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">? </font></span><span>개인적인 생각으로는 거치기간 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">3</font></span><span>년 동안 원금 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">100</font></span><span>만원씩 갚아나가면 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">3</font></span><span>년후 원금이 </span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">3500</font></span><span>만원 이상 줄어들게 되어 더 부담이 없어질 것 같은데</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">... </font></span><span>또 어떻게 생각하면 아닌 것 같기도 하고</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">...</font></span></div> <div> <p></p></div> <div><span>어떤 선택이 더 나을까요</span><span lang="en-us" style="letter-spacing:0pt;font-family:'함초롬바탕';"><font face="굴림">?</font></span></div> <div> <p></p></div> <div> <p></p></div>
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