Conventional 3% ๋‹ค์šดํ”„๋กœ๊ทธ๋žจ
(30๋…„,25๋…„,20๋…„,15๋…„,10๋…„ ๊ณ ์ •ํ”„๋กœ๊ทธ๋žจ) 

3%๋‹ค์šดํ•˜๊ณ  ์ฃผํƒ์„ ๊ตฌ์ž…ํ• ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ์ค‘์‚ฐ์ธต์„ ์œ„ํ•œ ํ”„๋กœ๊ทธ๋žจ์œผ๋กœ ์—ฐ์†Œ๋“์ด ์ค‘์‚ฐ์ธต์†Œ๋“์— ์†ํ•˜์—ฌ์•ผ๋งŒ ํ•ฉ๋‹ˆ๋‹ค ์—ฐ์†Œ๋“์˜ ๊ธฐ์ค€์€ ์ž์‹ ์ด ๊ตฌ์ž…ํ•˜๋ ค๋Š” ์ง‘ ์ฃผ์†Œ์˜ ์นด์šดํ‹ฐ ์ค‘๊ฐ„์†Œ๋“์„ ๋”ฐ๋ฆ…๋‹ˆ๋‹ค. ์นด์šดํ‹ฐ๋ณ„ ์ค‘๊ฐ„์†Œ๋“์€ ์•„๋ž˜์˜ web site์—์„œ ํ™•์ธ ๊ฐ€๋Šฅํ•˜๋ฉฐ Area Median Income์˜ 80%๋ฅผ ๋„˜์ง€ ๋ง์•„์•ผ ์‹ ์ฒญ์ž๊ฒฉ์ด ๋ฉ๋‹ˆ๋‹ค.


Area Median Income Lookup Tool (fanniemae.com)

Conventional 5% ๋‹ค์šดํ”„๋กœ๊ทธ๋žจ
(30๋…„,25๋…„,20๋…„,15๋…„,10๋…„ ๊ณ ์ •ํ”„๋กœ๊ทธ๋žจ) 

๋ฏธ๋‹ˆ๋ฉˆ 5%๋‹ค์šดํ•˜๊ณ  ์ฃผํƒ์„ ๊ตฌ์ž…ํ• ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. 20%๋ฏธ๋งŒ์œผ๋กœ ๋‹ค์šดํŽ˜์ดํ•  ๊ฒฝ์šฐ PMI(์œต์ž๋ณดํ—˜)๋ฅผ ์ผ์ •๊ธฐ๊ฐ„ ์›”ํŽ˜์ด๋จผํŠธ์— ํฌํ•จํ•ด์„œ ๊ฐ™์ด ๋‚ด์•ผํ•ฉ๋‹ˆ๋‹ค. PMI๋Š” ์˜ต์…˜์— ๋”ฐ๋ผ Borrower Paid MI , Lender Paid MIํ”„๋กœ๊ทธ๋žจ์œผ๋กœ ๋‚˜๋‰ฉ๋‹ˆ๋‹ค.


BPMI์˜ ๊ฒฝ์šฐ Equity๊ฐ€ 20% ๋„๋‹ฌ์‹œ์— PMI๊ฐ€ ์†Œ๋ฉธ๋œ๋‹ค๋Š” ์žฅ์ ์ด ์žˆ์ง€๋งŒ ๋‹ค์†Œ LPMI๋ณด๋‹ค ์ „์ฒด์ ์ธ ์›”ํŽ˜์ด๋จผํŠธ๊ฐ€ ์กฐ๊ธˆ ๋” ๋น„์‹ธ๋‹ค๋Š” ๊ฒƒ์ด ๋‹จ์ ์ž…๋‹ˆ๋‹ค. LPMI์˜ ๊ฒฝ์šฐ BPMIํ”„๋กœ๊ทธ๋žจ๋ณด๋‹ค ์ „์ฒด์ ์ธ ์›”ํŽ˜์ด๋จผํŠธ๊ฐ€ ๋‹ค์†Œ ์ ๊ฒŒ ๋“ค์ง€๋งŒ ์›”ํŽ˜์ด๋จผํŠธ๊ฐ€ ์ƒํ™˜๊ธฐ๊ฐ„๋‚ด๋‚ด ๋‚ฎ์•„์ง€์ง€์•Š๊ณ  ๊ทธ๋Œ€๋กœ๋ผ๋Š” ๊ฒƒ์ด ๋‹จ์ ์ž…๋‹ˆ๋‹ค. BPMI,LPMI๋Š” ๊ฐœ์ธ์˜ ์ฒ˜ํ•œ ์ƒํ™ฉ๊ณผ ๋ฏธ๋ž˜์˜ ๊ฑฐ์ฃผ๊ธฐ๊ฐ„์— ๋”ฐ๋ผ ์ž์‹ ์—๊ฒŒ ๊ฐ€์žฅ ์•Œ๋งž์€ ํ”„๋กœ๊ทธ๋žจ์„ ์„ ํƒํ• ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.

Conventional 20%์ด์ƒ ๋‹ค์šดํ”„๋กœ๊ทธ๋žจ
(30๋…„,25๋…„,20๋…„,15๋…„,10๋…„ ๊ณ ์ •ํ”„๋กœ๊ทธ๋žจ)

์œ„์˜ ๋‘ ํ”„๋กœ๊ทธ๋žจ๊ณผ ๋‹ฌ๋ฆฌ ์›ํ• ๊ฒฝ์šฐ ์€ํ–‰์— ์—์Šคํฌ๋กœ ์–ด์นด์šดํŠธ๋ฅผ ์…‹์—…ํ•˜์ง€ ์•Š๊ณ  ์žฌ์‚ฐ์„ธ์™€ ๋ณดํ—˜๋ฃŒ๋ฅผ ์ง์ ‘ ๋‚ฉ๋ถ€ํ• ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.( ๋‹น์—ฐํžˆ ์—์Šคํฌ๋กœ๋ฅผ ์…‹์—…ํ•˜๊ณ  ๋ณดํ—˜๋ฃŒ์™€ ์žฌ์‚ฐ์„ธ๋ฅผ ์›”ํŽ˜์ด๋จผํŠธ์— ํฌํ•จ์‹œํ‚ฌ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.)

FHA ์œต์ž

Conventional๋ณด๋‹ค ์‹ ์ฒญ์ž๊ฒฉ์กฐ๊ฑด์ด ์™„ํ™”๋œ ํ”„๋กœ๊ทธ๋žจ์ž…๋‹ˆ๋‹ค. ํฌ๋ ˆ๋”ง ์ ์ˆ˜, ๋‹ค์šดํŽ˜์ด๋จผํŠธ , ํฌ์–ดํด๋กœ์ ธ( 4๋…„๋‚ด ์—†์œผ๋ฉด ok) , ๋ฑ…ํฌ๋Ÿฝ์‹œ (2๋…„์ด๋‚ด ์—†์œผ๋ฉด ok / Chapter13์˜ ๊ฒฝ์šฐ 1๋…„) ๋“ฑ์˜ ์š”๊ตฌ์กฐ๊ฑด์ด ์ปจ๋ฒค์…”๋„์œต์ž์™€ ๋น„๊ตํ–ˆ์„๋•Œ ๋” ๊ด€๋Œ€ํ•ฉ๋‹ˆ๋‹ค. ๊ทธ๋Ÿฌ๋‚˜ ์œต์ž๊ธˆ์•ก์— 1.75% Government Fee๊ฐ€ ํ•ฉ์ณ์ ธ ์œต์ž๊ธˆ์•ก์ด ์กฐ๊ธˆ ๋Š˜์–ด๋‚œ๋‹ค๋Š” ๋‹จ์ ์ด ์žˆ์Šต๋‹ˆ๋‹ค. (1.75% Government Fee๋Š” ์œต์ž๊ธˆ์•ก์— ํ•ฉ์น˜์ง€์•Š๊ณ  ์ง์ ‘์ง€๋ถˆ๋„ ๊ฐ€๋Šฅํ•ฉ๋‹ˆ๋‹ค.) 


PMI ๋˜ํ•œ ์ปจ๋ฒค์…”๋…ˆ ์œต์ž์™€ ๋น„๊ตํ–ˆ์„๋•Œ ๊ธˆ์•ก์ด ๋‹ค์†Œ ๋†’์œผ๋ฉฐ 10%์ด์ƒ์„ ๋‹ค์šดํ•˜๋ฉด 11๋…„๋™์•ˆ ๋‚ด์•ผํ•˜๊ณ  , 10%์ดํ•˜ ๋‹ค์šด์‹œ Lifetime๊ธฐ๊ฐ„๋™์•ˆ PMI๋ฅผ ๋‚ด์•ผ๋งŒ ํ•ฉ๋‹ˆ๋‹ค. FHA๋กœ ์ฃผํƒ์„ ๊ตฌ์ž…ํ•œ ๊ฒฝ์šฐ ์ผ์ •๊ธฐ๊ฐ„์ด ์ง€๋‚˜๋ฉด ์ปจ๋ฒค์…”๋„ํ”„๋กœ๊ทธ๋žจ์œผ๋กœ ์žฌ์œต์ž ํ•˜์‹œ๋Š” ๊ฒƒ์ด ์ข‹์Šต๋‹ˆ๋‹ค.

VA ์œต์ž

VA ์œต์ž๋Š” the Department of Veteran Affairs๋ณด์ฆํ•˜๋Š” ๋ชจ๊ธฐ์ง€์ž…๋‹ˆ๋‹ค. ์ด ํ”„๋กœ๊ทธ๋žจ์€ ์ €๊ธˆ๋ฆฌ ๋ฐ 0%๋‹ค์šดํŽ˜์ด๋จผํŠธ๋ฅผ ํฌํ•จํ•˜์—ฌ ๊ตฐ ์ฐธ์ „ ์šฉ์‚ฌ์—๊ฒŒ ํƒ์›”ํ•œ ํ˜œํƒ์„ ์ œ๊ณตํ•ฉ๋‹ˆ๋‹ค. ์ด ํ”„๋กœ๊ทธ๋žจ์€ ์žฌํ–ฅ ๊ตฐ์ธ๋“ค์ด ์•„๋ฉ”๋ฆฌ์นธ ๋“œ๋ฆผ์˜ ์ฃผํƒ ์†Œ์œ ๋ฅผ ์‹คํ˜„ํ•˜๋„๋ก ๋•๊ธฐ ์œ„ํ•ด ๊ณ ์•ˆ๋˜์—ˆ์Šต๋‹ˆ๋‹ค.

๋‹ค์–‘ํ•œ ํ”„๋กœ๊ทธ๋žจ์ด ์žˆ์œผ๋‹ˆ ๋ฌธ์˜ ๋ฐ”๋ž๋‹ˆ๋‹ค.

๋ฏธ๊ตญ์— ์‚ด๋ฉด์„œ ๋ฐ˜๋“œ์‹œ ๊ฒฝํ—˜ํ•˜๊ฒŒ ๋˜๋Š” ์ฃผํƒ์œต์ž!
์–ด๋ ต๊ฒŒ ๋А๊ปด์งˆ์ˆ˜ ์žˆ๋Š” ์ฃผํƒ์œต์ž๋ฅผ ์‰ฝ๊ณ  ์นœ์ ˆํ•˜๊ฒŒ ๋ฐฐ๋ คํ•˜๋ฉฐ ์•ˆ๋‚ดํ•ด๋“œ๋ฆฝ๋‹ˆ๋‹ค. Dr.Mortgage๋ฅผ ๊ฒฝํ—˜ ํ•˜์‹  ๋งŽ์€ ๋ถ„๋“ค์ด ์ ๊ทน์ ์œผ๋กœ ์ฃผ๋ณ€๋ถ„๋“ค์„ ์†Œ๊ฐœํ•ด์ฃผ์‹ญ๋‹ˆ๋‹ค. 

์œ ์šฉํ•œ ํŒ

๋ฏธ๋ฆฌ ์•Œ์•„๋‘๋ฉด ๋„์›€๋˜๋Š” ์ฃผํƒ์œต์ž, ๋ถ€๋™์‚ฐ 
๊ด€๋ จ ์ •๋ณด๋ฅผ ๊ณต์œ ํ•˜๋Š” ๊ฒŒ์‹œํŒ์ž…๋‹ˆ๋‹ค.


์ƒ๋‹ด์‹ ์ฒญ

๋น„๋ฐ€ ๊ฒŒ์‹œ๊ธ€์„ ํ†ตํ•ด ์–ธ์ œ๋“  ์ฃผํƒ์œต์ž ๊ด€๋ จ ๊ถ๊ธˆํ•˜์‹  ์ ์„ ์งˆ๋ฌธํ•˜์‹ค์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ๊ถ๊ธˆํ•˜์‹  ์ ์ด ์žˆ์œผ์‹  ๋ถ„์€ ๊ธ€์„ ๋‚จ๊ฒจ์ฃผ์„ธ์š”. 

๋ฏธ๊ตญ์— ์‚ด๋ฉด์„œ ๋ฐ˜๋“œ์‹œ ๊ฒฝํ—˜ํ•˜๊ฒŒ ๋˜๋Š” ์ฃผํƒ์œต์ž!
์–ด๋ ต๊ฒŒ ๋А๊ปด์งˆ์ˆ˜ ์žˆ๋Š” ์ฃผํƒ์œต์ž๋ฅผ ์‰ฝ๊ณ  ์นœ์ ˆํ•˜๊ฒŒ ๋ฐฐ๋ คํ•˜๋ฉฐ ์•ˆ๋‚ดํ•ด๋“œ๋ฆฝ๋‹ˆ๋‹ค. 
Dr.Mortgage๋ฅผ ๊ฒฝํ—˜ ํ•˜์‹  ๋งŽ์€ ๋ถ„๋“ค์ด ์ ๊ทน์ ์œผ๋กœ ์ฃผ๋ณ€๋ถ„๋“ค์„ ์†Œ๊ฐœํ•ด์ฃผ์‹ญ๋‹ˆ๋‹ค. 

์œ ์šฉํ•œ ํŒ

๋ฏธ๋ฆฌ ์•Œ์•„๋‘๋ฉด ๋„์›€๋˜๋Š” ์ฃผํƒ์œต์ž, 
๋ถ€๋™์‚ฐ ๊ด€๋ จ ์ •๋ณด๋ฅผ ๊ณต์œ ํ•˜๋Š” ๊ฒŒ์‹œํŒ์ž…๋‹ˆ๋‹ค.

์ƒ๋‹ด์‹ ์ฒญ

๋น„๋ฐ€ ๊ฒŒ์‹œ๊ธ€์„ ํ†ตํ•ด ์–ธ์ œ๋“  ์ฃผํƒ์œต์ž ๊ด€๋ จ ๊ถ๊ธˆํ•˜์‹  ์ ์„ ์งˆ๋ฌธํ•˜์‹ค์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ๊ถ๊ธˆํ•˜์‹  ์ ์ด ์žˆ์œผ์‹  ๋ถ„์€ ๊ธ€์„ ๋‚จ๊ฒจ์ฃผ์„ธ์š”. 

์นด์นด์˜คํ†ก ์ฑ„๋„ ์ฑ„ํŒ…ํ•˜๊ธฐ ๋ฒ„ํŠผ