{"id":64,"date":"2026-08-15T09:38:53","date_gmt":"2026-08-15T13:38:53","guid":{"rendered":"https:\/\/balancekim.com\/mortgage\/?page_id=64"},"modified":"2026-08-21T08:36:04","modified_gmt":"2026-08-21T12:36:04","slug":"how-much","status":"publish","type":"page","link":"https:\/\/balancekim.com\/mortgage\/ko\/how-much\/","title":{"rendered":"\uc5bc\ub9c8\uae4c\uc9c0 \ubc1b\uc744 \uc218 \uc788\ub098"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\uac04\ub2e8\ud55c \ub300\ub2f5\uc740 \ud604\uc7ac \uc774\uc790\uc728\uc5d0\uc11c \uc5f0\ubd09\uc758 4\ubc30 \uc548\ud30e \uc815\ub3c4\ub85c \uc0dd\uac01\ud558\uc2ed\uc2dc\uc624. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">*** <a href=\"https:\/\/balancekim.com\/mortgage\/ko\/how-much-i-earn\/\" data-type=\"page\" data-id=\"128\">Click here&nbsp;<\/a><em>\uc67c\ucabd\uc744 \ud074\ub9ad\ud558\uba74 \ub2e4\uc74c \uc0ac\ud56d\uc744 \uacc4\uc0b0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/em><strong>\uc5b4\ub5a4 \uae08\uc561\uc758 \uc9d1\uc744 \uc0ac\uae30 \uc704\ud574 \ud544\uc694\ud55c \uc5f0\ubd09<\/strong><em>&gt;<\/em><\/p>\n\n\n\n<div style=\"height:43px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Calculator<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.zillow.com\/mortgage-calculator\/house-affordability\/\" target=\"_blank\" rel=\"noreferrer noopener\">Affordability Calculator<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc704 \ub9c1\ud06c\ub97c \ud074\ub9ad\ud558\uc2dc\uba74 \uc0c8 \ucc3d\uc5d0 \uc785\ub825\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud604\uc7ac \ucc3d\uc758 \uc124\uba85\uc744 \ubcf4\uc2dc\uba74\uc11c \uc785\ub825\ud574 \ubcf4\uc138\uc694.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"585\" height=\"804\" src=\"https:\/\/balancekim.com\/mortgage\/wp-content\/uploads\/2026\/08\/mortgageformyhome-affordabilitycalculator.jpg\" alt=\"Mortgageformyhome Affordabilitycalculator\" class=\"wp-image-98\" title=\"\uc5bc\ub9c8\uae4c\uc9c0 \ubc1b\uc744 \uc218 \uc788\ub098\" srcset=\"https:\/\/balancekim.com\/mortgage\/wp-content\/uploads\/2026\/08\/mortgageformyhome-affordabilitycalculator.jpg 585w, https:\/\/balancekim.com\/mortgage\/wp-content\/uploads\/2026\/08\/mortgageformyhome-affordabilitycalculator-218x300.jpg 218w, https:\/\/balancekim.com\/mortgage\/wp-content\/uploads\/2026\/08\/mortgageformyhome-affordabilitycalculator-9x12.jpg 9w\" sizes=\"auto, (max-width: 585px) 100vw, 585px\" \/><\/figure>\n\n\n\n<div style=\"height:48px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\ub0b4\uc6a9 \uc785\ub825 <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Annual income \uc5f0\ubd09\uc744 \uc785\ub825\ud558\uc2ed\uc2dc\uc624.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Monthly debts \ud604\uc7ac \ub9e4\ub2ec \uace0\uc815\uc801\uc73c\ub85c \ub098\uac00\ub294 \uc9c0\ucd9c\uc744 \uc785\ub825\ud558\uc138\uc694. \uc2e0\uc6a9\uce74\ub4dc\uc5d0 \uc124\uc815\ub41c \ucd5c\uc18c \ud398\uc774\uba3c\ud2b8 \uae08\uc561, \uc790\ub3d9\ucc28\ub860, \ud559\uc0dd\ub860 \ub4f1\uc785\ub2c8\ub2e4. \ub2e8 \ub80c\ud2b8\uc640 \uc720\ud2f8\ub9ac\ud2f0\ub294 \uc785\ub825\uce58 \uc54a\uc2b5\ub2c8\ub2e4. \uc774 \uae08\uc561\uc774 \ud06c\uc9c0 \uc54a\uc73c\uba74 \ub860 \uae08\uc561\uc5d0 \uc601\ud5a5\uc744 \ub07c\uce58\uc9c0 \uc54a\uc9c0\ub9cc \uc608\ub97c \ub4e4\uc5b4 \uba87 \ucc9c\ubd88\uc529 \ub41c\ub2e4\uba74 \ub860 \uae08\uc561\uc5d0 \uacb0\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ub07c\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Down payment \ub2e4\uc6b4 \ud398\uc774 \uae08\uc561\uc744 \uc785\ub825\ud558\uc138\uc694. \ucd5c\uc18c \uc9d1 \uac12\uc758 20% \uc774\uc0c1 \ud639\uc740 30%\ub97c \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Debt-to-income DTI\ub780 \ucd1d \uc778\ucef4\uc5d0\uc11c \ub860\uc744 \ud3ec\ud568\ud55c \ubaa8\ub4e0 \ube5a\uc758 \ube44\uc728\uc785\ub2c8\ub2e4. \uadf8\ub0e5 40%\ub97c \uc785\ub825\ud558\uc2ed\uc2dc\uc624.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc624\ub978\ucabd \ub9c1\ud06c\ub97c \ud074\ub9ad\ud574 \uc774\uc790\uc728\uc744 \ud655\uc778\ud558\uc138\uc694. <a href=\"https:\/\/balancekim.com\/mortgage\/ko\/todays-rates\/\" data-type=\"page\" data-id=\"60\" target=\"_blank\" rel=\"noreferrer noopener\">Click here to check today\u2019s current rates <\/a>\ud655\uc778\ud55c \uc774\uc790\uc728\uc744 \uc785\ub825\ud558\uc138\uc694.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loan Term \ubcf4\ud1b5 30\ub144\uc774 \uae30\ubcf8\uc785\ub2c8\ub2e4. 360\uac1c\uc6d4\uc774 \ub418\uaca0\uc8e0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Include PMI \uc5ec\uae30\uc5d0\uc11c PMI\ub780 \ub2e4\uc6b4 \ud398\uc774\uac00 20% \ubbf8\ub9cc\uc77c\ub54c \ub0b4\uc57c \ud558\ub294 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\uc785\ub2c8\ub2e4. \ub2e4\uc6b4 \ud398\uc774\uac00 20%\ub97c \ub118\uc73c\uba74 \ub0b4\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. 20% \ubbf8\ub9cc\uc774\ub77c\uba74 \uccb4\ud06c\ud558\uc2ed\uc2dc\uc624.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Include taxes\/insurance \uc9d1\uc5d0 \uad00\ud55c \ud0dd\uc2a4\uc640 \uc9d1 \ubcf4\ud5d8 \uae08\uc561\uc744 \ud3ec\ud568\ud560 \uac83\uc774\ub0d0 \uc544\ub2c8\ub0d0\uc774\ubbc0\ub85c \uc774\uac83\uc740 \uaf2d \uc120\ud0dd \ud558\uc2ed\uc2dc\uc624. \uc774\uac8c \uc120\ud0dd\ub418\uc5b4\uc57c \uc815\ud655\ud55c \uc561\uc218\uac00 \ub098\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Property tax \ub294 \uacc4\uc0b0\uc774 \ubcf5\uc7a1\ud558\ub2c8\uae4c \uadf8\ub0e5 default \ub85c \ub0a8\uaca8\ub450\uc138\uc694. \ud639\uc740 \ub300\ub7b5 \uc9d1\uac12\uc758 1%\ub97c \uc785\ub825\ud558\uc138\uc694.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Home insurance \uc774\ub294 \uc9c1\uc811 \ubcf4\ud5d8\ud68c\uc0ac\uc5d0 \uc5f0\ub77d\ud574\uc11c \ud655\uc778\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub300\ub7b5 2bed \uc544\ud30c\ud2b8\uc758 \uacbd\uc6b0 \uc5f0 $1,500 \uc815\ub3c4\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">HOA Dues\ub780 \uad00\ub9ac\ube44\ub97c \ub73b\ud558\uba70 \ucf58\ub3c4 \ud0c0\uc6b4\ud558\uc6b0\uc2a4 \ubfd0\uc544\ub2c8\ub77c HOA\uac00 \uad6c\uc131\ub41c \ub3d9\ub124\uc758 \uac1c\uc778 \uc8fc\ud0dd\ub4e4\uae4c\uc9c0 \ubaa8\ub450 \ud3ec\ud568\ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<div style=\"height:38px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ubaa8\ub4e0 \ud56d\ubaa9\uc744 \uc785\ub825\ud558\uba74 \uc624\ub978\ucabd\uc5d0 \uc790\ub3d9\uc73c\ub85c \uc22b\uc790\uac00 \ub739\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \ub728\ub294 \uae08\uc561 You can afford a house up to $000,000. \uc774 \uae08\uc561\uc774 \ub0b4 \uc5f0\ubd09\uc73c\ub85c \uc0b4 \uc218 \uc788\ub294 \uc9d1 \uae08\uc561\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\uc74c \uae00&nbsp;<strong>\u201cYou can afford a house up to $000,000\u201d<\/strong>&nbsp;\uc774 \ubc14\ub85c \uac1c\uc778 \uc18c\ub4dd\uc744 \uadfc\uac70\ub85c \uacc4\uc0b0\ud55c \uc9d1\uc758 \ub9e5\uc2dc\uba48 \uae08\uc561\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc704 \uae08\uc561\uc740 \uc9d1\uac12\uc785\ub2c8\ub2e4. \ub860 \uae08\uc561\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc774 \uae08\uc561\uc5d0\uc11c \uc704\uc5d0 \uc785\ub825\ud55c \ub2e4\uc6b4\ud398\uc774 \uae08\uc561\uc744 \ube7c\uba74 \ubc1b\uc744 \uc218 \uc788\ub294 \ub860 \uae08\uc561\uc774 \ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>The simple answer is that you can generally expect to borrow arround 4 times your annual income. *** Click here&nbsp;to find out: &lt;What should my annual income be to buy a home at a certain price?&gt; Calculator Affordability Calculator Click the link above to open the calculator in a new window. Please fill it out&hellip;&nbsp;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"class_list":["post-64","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/64","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/comments?post=64"}],"version-history":[{"count":9,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/64\/revisions"}],"predecessor-version":[{"id":212,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/64\/revisions\/212"}],"wp:attachment":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/media?parent=64"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}