{"id":3116,"date":"2026-10-08T14:12:55","date_gmt":"2026-10-08T05:12:55","guid":{"rendered":"https:\/\/historyandfood.com\/?p=3116"},"modified":"2026-10-08T14:12:58","modified_gmt":"2026-10-08T05:12:58","slug":"jeonse-loan-refinancing-guide","status":"publish","type":"post","link":"https:\/\/historyandfood.com\/en\/jeonse-loan-refinancing-guide\/","title":{"rendered":"\ud83c\udfe0 \uc2a4\ub9c8\ud2b8\ud3f0 5\ubd84 \ucef7! \uc804\uc138\ub300\ucd9c \uac08\uc544\ud0c0\uae30(\ub300\ud658\ub300\ucd9c) \uc870\uac74 \ubc0f \uc774\uc790 \ud655 \uc904\uc774\ub294 \uc644\ubcbd \uac00\uc774\ub4dc"},"content":{"rendered":"<style>.kb-table-of-content-nav.kb-table-of-content-id3116_b4d3df-1b .kb-table-of-content-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);border-top:3px solid var(--global-palette2, #2B6CB0);border-right:3px solid var(--global-palette2, #2B6CB0);border-bottom:3px solid var(--global-palette2, #2B6CB0);border-left:3px solid var(--global-palette2, #2B6CB0);border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);}.kb-table-of-content-nav.kb-table-of-content-id3116_b4d3df-1b .kb-table-of-contents-title-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id3116_b4d3df-1b .kb-table-of-contents-title{font-size:28px;font-weight:regular;font-style:normal;}.kb-table-of-content-nav.kb-table-of-content-id3116_b4d3df-1b .kb-table-of-content-wrap .kb-table-of-content-list{line-height:2em;font-weight:regular;font-style:normal;margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kb-table-of-content-nav.kb-table-of-content-id3116_b4d3df-1b .kb-table-of-content-wrap{border-top:3px solid var(--global-palette2, #2B6CB0);border-right:3px solid var(--global-palette2, #2B6CB0);border-bottom:3px solid var(--global-palette2, #2B6CB0);border-left:3px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 1024px){.kb-table-of-content-nav.kb-table-of-content-id3116_b4d3df-1b .kb-table-of-contents-title{font-size:28px;}}@media all and (max-width: 767px){.kb-table-of-content-nav.kb-table-of-content-id3116_b4d3df-1b .kb-table-of-content-wrap{border-top:3px solid var(--global-palette2, #2B6CB0);border-right:3px solid var(--global-palette2, #2B6CB0);border-bottom:3px solid var(--global-palette2, #2B6CB0);border-left:3px solid var(--global-palette2, #2B6CB0);}.kb-table-of-content-nav.kb-table-of-content-id3116_b4d3df-1b .kb-table-of-contents-title{font-size:28px;}}<\/style>\n\n\n<p class=\"wp-block-paragraph\">\uc548\ub155\ud558\uc138\uc694, \uc5ec\ub7ec\ubd84\uc758 \uc2a4\ub9c8\ud2b8\ud55c \ube44\uc988\ub2c8\uc2a4\u00b7\uc0dd\ud65c \ud050\ub808\uc774\ud130 HFood\uc785\ub2c8\ub2e4. \ud83e\udd85\u2728<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc48 [\uc740\ud1f4\/\uae08\uc735 \ubcf5\uc9c0 \uc2dc\ub9ac\uc988 \ub2e4\uc2dc\ubcf4\uae30]<br><a href=\"https:\/\/historyandfood.com\/mandatory-retirement-pension-irp-guide\/\">\ud83d\udc49 IRP \ud544\uc218 \uc2dc\ub300: \ub0b4 \ud1f4\uc9c1\uae08 \uc9c0\ud0a4\ub294 2026\ub144 \ud1f4\uc9c1\uc5f0\uae08 \uc758\ubb34\ud654 \ucd1d\uc815\ub9ac<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub178\ud6c4 \uc790\uc0b0\uc744 \ubd88\ub9ac\uae30 \uc704\ud574 \ud22c\uc790 \uc218\uc775\ub960\uc744 1% \uc62c\ub9ac\ub294 \uac83\ubcf4\ub2e4 \ud6e8\uc52c \uc27d\uace0 \ud655\uc2e4\ud55c \uc7ac\ud14c\ud06c\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\ub85c &#8216;\uc9c0\uae08 \ub2f9\uc7a5 \uc0c8\uc5b4\ub098\uac00\ub294 \ub300\ucd9c \uc774\uc790 1%\ub97c \uc904\uc774\ub294 \uac83&#8217;\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc804\uc138\ubcf4\uc99d\uae08\uc740 \ub2e8\uc704\uac00 \uc5b5\ub300\uc5d0 \ub2ec\ud558\uae30 \ub54c\ubb38\uc5d0, \uae08\ub9ac\ub97c \ub2e8 1%\ub9cc \ub0ae\ucdb0\ub3c4 1\ub144\uc5d0 \uc218\ubc31\ub9cc \uc6d0\uc758 \uc0dd\ub3c8\uc744 \uc544\ub084 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\uc804\uc5d0\ub294 \ub300\ucd9c\uc744 \uac08\uc544\ud0c0\ub824\uba74 \ubc18\ucc28\ub97c \ub0b4\uace0 \uc740\ud589\uc744 \ub3cc\uc544\ub2e4\ub2c8\uba70 \ubcf5\uc7a1\ud55c \uc11c\ub958\ub97c \ub5bc\uc57c \ud588\uc9c0\ub9cc, \uc774\uc81c\ub294 \uc2a4\ub9c8\ud2b8\ud3f0 \ud130\uce58 \uba87 \ubc88\uc73c\ub85c \uac00\uc7a5 \uc2fc \uc740\ud589\uc73c\ub85c \ub300\ucd9c\uc744 \uc62e\uaca8\ud0c0\ub294 &#8216;\uc628\ub77c\uc778 \uc804\uc138\ub300\ucd9c \ub300\ud658\ub300\ucd9c&#8217; \uc2dc\ub300\uac00 \uc5f4\ub838\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc624\ub298\uc740 \ubb3b\uc9c0\ub3c4 \ub530\uc9c0\uc9c0\ub3c4 \ub9d0\uace0 \ub2f9\uc7a5 \uc870\ud68c\ud574 \ubd10\uc57c \ud560 \uc804\uc138\ub300\ucd9c \uac08\uc544\ud0c0\uae30\uc758 \uc790\uaca9 \uc870\uac74\uacfc \uc8fc\uc758\uc0ac\ud56d\uc744 \uac00\uc7a5 \uc27d\uac8c \ud480\uc5b4\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/jeonse-loan-refinancing-smart.jpg\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"630\" src=\"https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/jeonse-loan-refinancing-smart.jpg\" alt=\"\uc2a4\ub9c8\ud2b8\ud3f0 \uc571\uc744 \ud1b5\ud574 \ub192\uc740 \uc804\uc138\ub300\ucd9c \uc774\uc790\uc728\uc774 \ub69d \ub5a8\uc5b4\uc9c0\ub294 \uadf8\ub798\ud504\ub97c \ud655\uc778\ud558\uba70 \ud658\ud558\uac8c \uc6c3\uace0 \uc788\ub294 \ubd80\ubd80\uc758 \ubaa8\uc2b5. \uc628\ub77c\uc778 \ub300\ud658\ub300\ucd9c \uc778\ud504\ub77c\uc758 \ud3b8\ub9ac\ud568\uc744 \uc2dc\uac01\ud654\" class=\"wp-image-3117\" srcset=\"https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/jeonse-loan-refinancing-smart.jpg 1200w, https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/jeonse-loan-refinancing-smart-300x158.jpg 300w, https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/jeonse-loan-refinancing-smart-1024x538.jpg 1024w, https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/jeonse-loan-refinancing-smart-768x403.jpg 768w, https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/jeonse-loan-refinancing-smart-18x9.jpg 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcf1 1. \uc804\uc138\ub300\ucd9c \uac08\uc544\ud0c0\uae30, \ub300\uccb4 \uc5b4\ub5bb\uac8c \ud558\ub294 \uac74\uac00\uc694?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc815\ubd80\uac00 \uc8fc\ub3c4\ud558\uc5ec \uad6c\ucd95\ud55c &#8216;\uc628\ub77c\uc778 \ub300\ud658\ub300\ucd9c \uc778\ud504\ub77c&#8217; \ub355\ubd84\uc5d0, \uc774\uc81c \uc18c\ube44\uc790\ub294 \uc740\ud589\uc5d0 \uc9c1\uc811 \uac08 \ud544\uc694\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ub124\uc774\ubc84\ud398\uc774, \ud1a0\uc2a4, \uce74\uce74\uc624\ud398\uc774 \uac19\uc740 \uae08\uc735 \ube44\uad50 \ud50c\ub7ab\ud3fc \uc571\uc774\ub098 \uac1c\ubcc4 \uc740\ud589 \uc571\uc5d0 \uc811\uc18d\ud574 &#8216;\uc804\uc138\ub300\ucd9c \uac08\uc544\ud0c0\uae30&#8217; \uba54\ub274\ub97c \ub204\ub974\uae30\ub9cc \ud558\uba74 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\uc571\uc5d0\uc11c \ub9c8\uc774\ub370\uc774\ud130 \ub3d9\uc758\ub97c \ud558\uba74, \ub0b4\uac00 \ud604\uc7ac \ubc1b\uace0 \uc788\ub294 \uc804\uc138\ub300\ucd9c\uc758 \uae08\ub9ac\uc640 \ub0a8\uc740 \uc6d0\uae08\uc774 \uc790\ub3d9\uc73c\ub85c \ub739\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc218\uc2ed \uac1c\uc758 \ub2e4\ub978 \uc740\ud589\ub4e4\uc774 \uc81c\uc2dc\ud558\ub294 &#8216;\ub354 \uc2fc \uae08\ub9ac&#8217;\uc758 \ub300\ucd9c \uc0c1\ud488\ub4e4\uc774 \ucb49 \ub9ac\uc2a4\ud2b8\uc5c5 \ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uac00\uc7a5 \uc870\uac74\uc774 \uc88b\uc740 \uc740\ud589\uc744 \uc120\ud0dd\ud574 \uac08\uc544\ud0c0\uae30\ub97c \uc2e0\uccad\ud558\uba74, \uc0c8\ub85c\uc6b4 \uc740\ud589\uc774 \uae30\uc874 \uc740\ud589\uc758 \ub300\ucd9c\uae08\uc744 \ub300\uc2e0 \uac1a\uc544\uc8fc\uace0(\ub300\ud658), \ub098\ub294 \uc55e\uc73c\ub85c \uc0c8 \uc740\ud589\uc5d0 \ub354 \uc2fc \uc774\uc790\ub9cc \ub0b4\uba74 \ub05d\uc785\ub2c8\ub2e4.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">\u23f3 2. \uc544\ubb34 \ub54c\ub098 \ub418\ub098\uc694? &#8216;\ud0c0\uc774\ubc0d(\uc2dc\uae30)&#8217; \uc870\uac74 \ud655\uc778 \ud544\uc218<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc544\uc27d\uac8c\ub3c4 \uc804\uc138\ub300\ucd9c\uc740 \uc6d0\ud560 \ub54c \ub9e4\uc77c\ub9e4\uc77c \uac08\uc544\ud0c8 \uc218 \uc788\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uaddc\uc81c\uc0c1 \ub300\ud658\uc774 \uac00\ub2a5\ud55c &#8216;\ud0c0\uc774\ubc0d&#8217;\uc774 \uc5c4\uaca9\ud558\uac8c \uc815\ud574\uc838 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uac08\uc544\ud0c0\uae30 \uac00\ub2a5 \uc2dc\uae30: \uae30\uc874 \uc804\uc138\ub300\ucd9c\uc744 \ubc1b\uc740 \uc9c0 &#8216;3\uac1c\uc6d4\uc774 \uc9c0\ub09c \uc2dc\uc810&#8217;\ubd80\ud130, \uc804\uc138 \uacc4\uc57d \uae30\uac04\uc758 &#8216;\uc808\ubc18(1\/2)\uc774 \uc9c0\ub098\uae30 \uc804&#8217;\uae4c\uc9c0\ub9cc \uac08\uc544\ud0c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<ul class=\"wp-block-list\">\n<li>(\uc608\uc2dc) 2\ub144(24\uac1c\uc6d4)\uc9dc\ub9ac \uc804\uc138 \uacc4\uc57d\uc774\ub77c\uba74, \ub300\ucd9c \uc2e4\ud589 3\uac1c\uc6d4 \ud6c4\ubd80\ud130 12\uac1c\uc6d4 \ucc28\uac00 \ub418\uae30 \uc804\uae4c\uc9c0\ub9cc \uc628\ub77c\uc778 \uac08\uc544\ud0c0\uae30\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\uacc4\uc57d \uac31\uc2e0(\uc5f0\uc7a5) \uc2dc\uae30: \ub9cc\uc57d \uc704 \uc2dc\uae30\ub97c \ub193\ucce4\ub354\ub77c\ub3c4 \uae30\ud68c\ub294 \ub610 \uc788\uc2b5\ub2c8\ub2e4. \uc804\uc138 \ub9cc\uae30 2\uac1c\uc6d4 \uc804\ubd80\ud130 \ub9cc\uae30 15\uc77c \uc804\uae4c\uc9c0, \uc989 &#8216;\uc804\uc138 \uacc4\uc57d\uc744 \uc5f0\uc7a5(\uac31\uc2e0)\ud558\ub294 \ud0c0\uc774\ubc0d&#8217;\uc5d0\ub3c4 \uac08\uc544\ud0c0\uae30\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/loan-transfer-caution-check.jpg\"><img decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/loan-transfer-caution-check-1024x538.jpg\" alt=\"\ub300\ucd9c \ud55c\ub3c4 \uc720\uc9c0, \ub3d9\uc77c \ubcf4\uc99d\uae30\uad00 \ud655\uc778 \ub4f1 \uc804\uc138\ub300\ucd9c\uc744 \uc548\uc804\ud558\uac8c \uac08\uc544\ud0c0\uae30 \uc704\ud574 \ubc18\ub4dc\uc2dc \ud655\uc778\ud574\uc57c \ud560 \ud544\uc218 \uccb4\ud06c\ub9ac\uc2a4\ud2b8\ub97c \uc810\uac80\ud558\ub294 \uac1c\ub150 \uc774\ubbf8\uc9c0.\" class=\"wp-image-3118\" srcset=\"https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/loan-transfer-caution-check-1024x538.jpg 1024w, https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/loan-transfer-caution-check-300x158.jpg 300w, https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/loan-transfer-caution-check-768x403.jpg 768w, https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/loan-transfer-caution-check-18x9.jpg 18w, https:\/\/historyandfood.com\/wp-content\/uploads\/2026\/10\/loan-transfer-caution-check.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u26a0\ufe0f 3. \uc2e0\uccad \uc804 \ubc18\ub4dc\uc2dc \uccb4\ud06c\ud574\uc57c \ud560 3\uac00\uc9c0 \ud568\uc815 (\uc8fc\uc758\uc0ac\ud56d)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;\ubb34\uc870\uac74 \uc2fc \uc774\uc790\ub85c \uc62e\uaca8\uc57c\uc9c0!&#8221; \ud558\uace0 \ub35c\ucee5 \uc2e0\uccad\ud558\uae30 \uc804\uc5d0, \uc544\ub798 3\uac00\uc9c0 \uc870\uac74\uc5d0 \uac78\ub9ac\uc9c0 \uc54a\ub294\uc9c0 \ud655\uc778\ud574\uc57c \uc2e0\uccad \uac70\uc808\uc758 \ub0ad\ud328\ub97c \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2460 \ub300\ucd9c \ud55c\ub3c4 \uc99d\uac00 \ubd88\uac00 (\uae08\uc561 \uc720\uc9c0)<br>\uac08\uc544\ud0c0\uae30\ub97c \ud560 \ub54c\ub294 &#8216;\uae30\uc874 \uc804\uc138\ub300\ucd9c\uc758 \ub0a8\uc740 \uc794\uc561&#8217;\ub9cc\ud07c\ub9cc \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc790\ub97c \ub0ae\ucd94\ub294 \ubaa9\uc801\uc774\uc9c0, \uac08\uc544\ud0c0\uba74\uc11c \uc2ac\uca4d \ub300\ucd9c\uae08\uc744 \ub354 \ub298\ub824\uc11c \ubc1b\uc744 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. (\ub2e8, \uc804\uc138 \uac31\uc2e0 \uc2dc \uc9d1\uc8fc\uc778\uc774 \ubcf4\uc99d\uae08\uc744 \uc62c\ub824\ub2ec\ub77c\uace0 \ud55c \uacbd\uc6b0\uc5d0\ub294 \uadf8 \uc99d\uc561\ubd84\ub9cc\ud07c\uc740 \ucd94\uac00 \ub300\ucd9c\uc774 \ud5c8\uc6a9\ub429\ub2c8\ub2e4.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2461 \ubcf4\uc99d\uae30\uad00\uc774 \uac19\uc544\uc57c \uc774\ub3d9 \uac00\ub2a5 (\u2605\uac00\uc7a5 \uc911\uc694)<br>\uc804\uc138\ub300\ucd9c\uc740 \uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac(HF), \uc8fc\ud0dd\ub3c4\uc2dc\ubcf4\uc99d\uacf5\uc0ac(HUG), \uc11c\uc6b8\ubcf4\uc99d\ubcf4\ud5d8(SGI) \ub4f1 \ubcf4\uc99d\uae30\uad00\uc744 \ub07c\uace0 \ubc1b\uc2b5\ub2c8\ub2e4. \ub300\ud658\uc744 \ud560 \ub54c\ub294 \ubc18\ub4dc\uc2dc &#8216;\ub3d9\uc77c\ud55c \ubcf4\uc99d\uae30\uad00&#8217;\uc744 \uc774\uc6a9\ud558\ub294 \ub300\ucd9c \uc0c1\ud488\uc73c\ub85c\ub9cc \uac08\uc544\ud0c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. (\uc608: HUG \ub300\ucd9c \u2794 HUG \ub300\ucd9c \uac00\ub2a5 \/ HUG \ub300\ucd9c \u2794 HF \ub300\ucd9c \ubd88\uac00)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2462 \ubc84\ud300\ubaa9 \uc804\uc138\ub300\ucd9c \ub4f1 \uc815\ucc45 \uae08\uc735\uc740 \ub300\uc0c1 \uc81c\uc678<br>\uc774\ubbf8 \uad6d\uac00\uc5d0\uc11c \ucd08\uc800\uae08\ub9ac\ub85c \uc9c0\uc6d0\ud574 \uc8fc\ub294 \ub514\ub524\ub3cc, \ubc84\ud300\ubaa9 \uc804\uc138\uc790\uae08\ub300\ucd9c\uc744 \uc774\uc6a9 \uc911\uc774\uc2e0 \ubd84\ub4e4\uc740 \uc628\ub77c\uc778 \ub300\ud658\ub300\ucd9c \uc778\ud504\ub77c\ub97c \ud1b5\ud574 \uc77c\ubc18 \uc2dc\uc911\uc740\ud589 \ub300\ucd9c\ub85c \uac08\uc544\ud0c8 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. (\uc0ac\uc2e4 \uc774\ubbf8 \uae08\ub9ac\uac00 \uac00\uc7a5 \ub0ae\uae30 \ub54c\ubb38\uc5d0 \uac08\uc544\ud0c8 \uc774\uc720\ub3c4 \uc5c6\uc2b5\ub2c8\ub2e4.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcb0 [\uad00\ub828 \uafc0\ud301] \ub300\ucd9c \uc774\uc790 \uc544\ub080 \ub3c8, \uc774\ub807\uac8c \uad74\ub9ac\uc154\uc57c \ub178\ud6c4\uac00 \ud3b8\uc548\ud569\ub2c8\ub2e4!<br>\uc804\uc138\ub300\ucd9c \uac08\uc544\ud0c0\uae30\ub85c \ub9e4\uc6d4 \uc544\ub080 10~20\ub9cc \uc6d0\uc758 \ud53c \uac19\uc740 \ud604\uae08! \uadf8\ub0e5 \uc0dd\ud65c\ube44\ub85c \ub179\uc774\uc9c0 \ub9c8\uc2dc\uace0 **&#8217;IRP(\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08)&#8217;**\uc5d0 \ud22c\uc790\ud574 \uc138\uc561\uacf5\uc81c\uc640 \ub178\ud6c4 \uc790\uae08 \ub450 \ub9c8\ub9ac \ud1a0\ub07c\ub97c \uc7a1\uc73c\uc138\uc694!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfe6 [\ub178\ud6c4 \ubc29\ud328\ub9c9 IRP \ud22c\uc790 \uafc0\ud301]<br><a href=\"https:\/\/historyandfood.com\/mandatory-retirement-pension-irp-guide\/\">\ud83d\udc49 \ub0b4 \ud1f4\uc9c1\uae08 \uc9c0\ud0a4\ub294 2026\ub144 \ud1f4\uc9c1\uc5f0\uae08 \uc758\ubb34\ud654 \ubc0f IRP \uc2e4\uc804 \uc6b4\uc6a9\ubc95<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub300\ucd9c\uc740 \ud55c \ubc88 \ubc1b\uc73c\uba74 \ub05d\uc774 \uc544\ub2c8\ub77c, \uacc4\uc18d\ud574\uc11c \ub354 \uc88b\uc740 \uc870\uac74\uc73c\ub85c \uac08\uc544\uc785\uc5b4\uc57c \ud558\ub294 &#8216;\uae08\uc735 \uc1fc\ud551&#8217;\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc624\ub298 \ud1f4\uadfc\uae38\uc5d0 \uc2a4\ub9c8\ud2b8\ud3f0\uc744 \uc5f4\uace0 \ub0b4 \uc804\uc138\ub300\ucd9c \uae08\ub9ac\uac00 \ub2e4\ub978 \uc740\ud589\ubcf4\ub2e4 \ube44\uc2f8\uc9c0 \uc54a\uc740\uc9c0 \ub2e8 5\ubd84\ub9cc \ud22c\uc790\ud574 \uc870\ud68c\ud574 \ubcf4\uc138\uc694. \uadf8 5\ubd84\uc758 \ud130\uce58 \uba87 \ubc88\uc774 \uc5ec\ub7ec\ubd84\uc758 \uacc4\uc88c\uc5d0 \ub9e4\ub144 \uc218\ubc31\ub9cc \uc6d0\uc758 \uc5ec\uc733\ub3c8\uc744 \ub9cc\ub4e4\uc5b4 \uc904 \uac83\uc785\ub2c8\ub2e4!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udd78\ufe0f [K-\ucf58\ud150\uce20 \uc778\uc0ac\uc774\ud2b8] \ub354 \ub9ce\uc740 \ubd84\uc11d \ub9ac\ud3ec\ud2b8 \ubcf4\uae30<br>\ud83d\udcb0 [\uc790\ubcf8\uacfc \uacbd\uc81c] K-\ucf58\ud150\uce20 \uc8fc\uc2dd \ubc0f \uc81c\uc791\ube44 \ubd84\uc11d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/historyandfood.com\/en\/tempest-k-drama-jun-jihyun-kang-dongwon-kakao-ent-stock\/\">\ud83d\udd17 [[\uc8fc\uc2dd\/\ud22c\uc790 \ubd84\uc11d] \uac15\ub3d9\uc6d0X\uc804\uc9c0\ud604 \u300a\ubd81\uadf9\uc131\u300b \uc218\ubc31\uc5b5 \uc81c\uc791\ube44 \uc2e4\uccb4\uc640 \uce74\uce74\uc624\uc5d4\ud130 \ubc38\ub958\uccb4\uc778\uc758 \ube44\ubc00] (\ubd81\uadf9\uc131 1\ud3b8 \ub9c1\ud06c)<br><\/a><a href=\"https:\/\/historyandfood.com\/studio-dragon-stock-kim-ji-won-queen-of-tears-valuation\/\">\ud83d\udd17 [[\uc8fc\uc2dd\/\ud22c\uc790 \ubd84\uc11d] \u300a\ub208\ubb3c\uc758 \uc5ec\uc655\u300b \uae40\uc9c0\uc6d0 \uc774\ud399\ud2b8: \uc2a4\ud29c\ub514\uc624\ub4dc\ub798\uace4 \uc8fc\uac00 \uc804\ub9dd\uacfc \uc218\uc775 \uad6c\uc870] (\ub208\ubb3c\uc758 \uc5ec\uc655 1\ud3b8 \ub9c1\ud06c)<br><\/a><a href=\"https:\/\/historyandfood.com\/movie-swarm-gunche-smilegate-game-ip-showbox-stock\/\">\ud83d\udd17 [[\uc8fc\uc2dd\/\ud22c\uc790 \ubd84\uc11d] \uc601\ud654 \u300a\uad70\uccb4\u300b 170\uc5b5 \uc81c\uc791\ube44\uc758 \uc2e4\uccb4: \uc2a4\ub9c8\uc77c\uac8c\uc774\ud2b8\uc758 \uc880\ube44 \uac8c\uc784\ud654 \uc57c\ub9dd] (\uad70\uccb4 1\ud3b8 \ub9c1\ud06c)<br><\/a><a href=\"https:\/\/historyandfood.com\/netflix-wonderfools-cha-eun-woo-salary-roi\/\">\ud83d\udd17 [[\uacbd\uc81c \ubd84\uc11d] \ub137\ud50c\ub9ad\uc2a4 \u300a\uc6d0\ub354\ud480\uc2a4\u300b \ucc28\uc740\uc6b0 \ubab8\uac12\uc758 \uc2e4\uccb4\uc640 \ubc15\uc740\ube48 \uc5ed\ub300\uae09 \ucd9c\uc5f0\ub8cc \ubd84\uc11d]<br><\/a><a href=\"https:\/\/historyandfood.com\/squid-game-season-2-production-cost-lee-jung-jae-salary\/\">\ud83d\udd17 [[\uacbd\uc81c \ubd84\uc11d] \uc624\uc9d5\uc5b4\uac8c\uc784 \uc2dc\uc98c2 1,000\uc5b5 \uc81c\uc791\ube44\uc758 \uc2e4\uccb4, \uc774\uc815\uc7ac 10\uc5b5 \ucd9c\uc5f0\ub8cc\uc758 \uacbd\uc81c\ud559]<br><\/a><a href=\"https:\/\/historyandfood.com\/squid-game-season-2-stock-market-investment-outlook\/\">\ud83d\udd17 [[\uc8fc\uc2dd\/\ud22c\uc790 \ubd84\uc11d] \uc624\uc9d5\uc5b4\uac8c\uc784 \uc2dc\uc98c 2\uc640 K-\uc5d4\ud130\uc8fc\uc758 \ud5a5\ubc29: \ub137\ud50c\ub9ad\uc2a4 \uc8fc\uac00\uc640 \uad00\ub828\uc8fc \uc218\uae09 \uc2e4\uccb4]<br><\/a><a href=\"https:\/\/historyandfood.com\/omniscient-reader-movie-production-cost-smilegate-investment\/\">\ud83d\udd17 [[\uacbd\uc81c \ubd84\uc11d] \uc601\ud654 \u300a\uc804\uc9c0\uc801 \ub3c5\uc790 \uc2dc\uc810\u300b 300\uc5b5 \uc81c\uc791\ube44\uc758 \uc2e4\uccb4\uc640 \uac8c\uc784\uc0ac \uc2a4\ub9c8\uc77c\uac8c\uc774\ud2b8\uc758 \uc57c\ub9dd]<br><\/a><a href=\"https:\/\/historyandfood.com\/omniscient-reader-ip-game-monetization-stock-analysis\/\">\ud83d\udd17 [[\uc8fc\uc2dd\/\ud22c\uc790 \ubd84\uc11d] \uc804\ub3c5\uc2dc \uc601\ud654\ud654\uc758 \uc9c4\uc9dc \ubaa9\uc801: \uc2a4\ub9c8\uc77c\uac8c\uc774\ud2b8\uc758 IP \uac8c\uc784\ud654\uc640 \uad00\ub828\uc8fc \ubc38\ub958\uc5d0\uc774\uc158]<br><\/a><a href=\"https:\/\/historyandfood.com\/slowly-and-strongly-netflix-budget-cast-salary\/\">\ud83d\udd17 [[\uacbd\uc81c \ubd84\uc11d] \ub137\ud50c\ub9ad\uc2a4 \u2018\ucc9c\ucc9c\ud788 \uac15\ub82c\ud558\uac8c\u2019 \uc81c\uc791\ube44\uc758 \ube44\ubc00: \uc1a1\ud61c\uad50\u00b7\uacf5\uc720 \ucd9c\uc5f0\ub8cc\ub294 \uc5bc\ub9c8\uc77c\uae4c?]<br><\/a><a href=\"https:\/\/historyandfood.com\/white-scandal-netflix-budget-cast-salary\/\">\ud83d\udd17 [[\uacbd\uc81c \ubd84\uc11d] \ub137\ud50c\ub9ad\uc2a4 \u2018\ud558\uc580 \uc2a4\uce94\ub4e4\u2019 \uc81c\uc791\ube44\uc758 \ube44\ubc00: \ud1b1\uc2a4\ud0c0\ub4e4\uc758 \uc9c4\uc9dc \ubab8\uac12\uc740?]<br><\/a><a href=\"https:\/\/historyandfood.com\/all-of-us-are-dead-season-2-budget-cast-salary\/\">\ud83d\udd17 [[\uacbd\uc81c \ubd84\uc11d] \ub137\ud50c\ub9ad\uc2a4 \u2018\uc9c0\uc6b0\ud559 \uc2dc\uc98c 2\u2019 \uc81c\uc791\ube44\uc758 \ube44\ubc00: \ud3ed\ub4f1\ud55c \uc8fc\uc5f0 \ubc30\uc6b0\ub4e4\uc758 \ucd9c\uc5f0\ub8cc\ub294?]<br><\/a><a href=\"https:\/\/historyandfood.com\/netflix-donggung-production-cost-cast-salary\/\">\ud83d\udd17 [\ub3d9\uad81 \uc81c\uc791\ube44: \ub137\ud50c\ub9ad\uc2a4 \uc218\ubc31\uc5b5 \ud22c\uc790 \uc774\uc720\uc640 \uc870\uc2b9\uc6b0 \ub0a8\uc8fc\ud601 \ucd9c\uc5f0\ub8cc \ubd84\uc11d]<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfac K-\uc624\uceec\ud2b8 \ub300\uc791 [\ub3d9\uad81] \uc644\ubcbd \ud574\ubd80\ud558\uae30<br><a href=\"https:\/\/historyandfood.com\/netflix-k-drama-donggung-cast-plot-preview\/\">\ud83d\udd17 [[\uc2dc\ub9ac\uc988 01] \ub137\ud50c\ub9ad\uc2a4 &#8216;\ub3d9\uad81&#8217; \uc904\uac70\ub9ac: \ub0a8\uc8fc\ud601X\uc870\uc2b9\uc6b0, \uad81\uad90\uc758 \uc800\uc8fc\ub97c \ud30c\ud5e4\uce58\ub2e4]<br><\/a><a href=\"https:\/\/historyandfood.com\/netflix-donggung-leaked-scenario-true-villain-spoiler\/\">\ud83d\udd17 [[\uc2dc\ub9ac\uc988 02] [\ub3d9\uad81 \uacb0\ub9d0 \uc2a4\ud3ec] \ub137\ud50c\ub9ad\uc2a4 \uc720\ucd9c \uc2dc\ub098\ub9ac\uc624: \uc870\uc2b9\uc6b0\uc758 \ub054\ucc0d\ud55c \ube44\ubc00\uacfc \ud751\ub9c9 \uc815\uccb4]<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udd25 \uc9c0\uae08 \uac00\uc7a5 \ub728\uac70\uc6b4 K-\ucf58\ud150\uce20 &amp; \ub137\ud50c\ub9ad\uc2a4 \uc2e0\uc791<br><\/strong><a href=\"https:\/\/historyandfood.com\/slowly-and-strongly-netflix-cast-plot-summary\/\">\ud83d\udd17 [[\uc2dc\ub9ac\uc988 01] \ub137\ud50c\ub9ad\uc2a4 &#8216;\ucc9c\ucc9c\ud788 \uac15\ub82c\ud558\uac8c&#8217; \ub4f1\uc7a5\uc778\ubb3c \uc904\uac70\ub9ac: \uc1a1\ud61c\uad50 \ud30c\uaca9 \uc20f\ucef7\uacfc \uacf5\uc720\uc758 \uc5ed\ub300\uae09 \ub9cc\ub0a8]<br><\/a><a href=\"https:\/\/historyandfood.com\/slowly-and-strongly-leaked-ending-spoiler\/\">\ud83d\udd17 [[\uc2dc\ub9ac\uc988 02] [\ub3c5\uc810 \uc2a4\ud3ec] \ucc9c\ucc9c\ud788 \uac15\ub82c\ud558\uac8c \uacb0\ub9d0 \uc720\ucd9c? \ub178\ud76c\uacbd \uc791\uac00\uac00 \uadf8\ub9ac\ub294 \uc5f0\uc608\uacc4 \uc794\ud639\uc0ac]<br><\/a><a href=\"https:\/\/historyandfood.com\/21st-century-grand-duchess-leaked-ending-villain\/\">\ud83d\udd17 [[\ub3c5\uc810 \uc2a4\ud3ec] 21\uc138\uae30 \ub300\uad70\ubd80\uc778 \uacb0\ub9d0 \uc720\ucd9c: \uc774\uc548\ub300\uad70\uc744 \ub178\ub9ac\ub294 \u2018\uc9c4\uc9dc \ud751\ub9c9\u2019\uc758 \uc18c\ub984 \ub3cb\ub294 \uc815\uccb4]<br><\/a><a href=\"https:\/\/historyandfood.com\/netflix-love-affair-cast-plot-ending\/\">\ud83d\udd17 [\ub137\ud50c\ub9ad\uc2a4 \ub7ec\ube0c \uc5b4\ud398\uc5b4 \ub4f1\uc7a5\uc778\ubb3c \ubc0f \uc904\uac70\ub9ac: \uc774\ub3d9\uc6b1 \uc815\uc720\ubbf8\uc758 \ucda9\uaca9\uc801 \uacb0\ub9d0 \uc608\uce21(3\uac00\uc9c0 \ub5a1\ubc25)]<\/a><br><a href=\"https:\/\/historyandfood.com\/white-scandal-netflix-cast-plot-summary\/\">\ud83d\udd17 [[\uc2dc\ub9ac\uc988 01] \ub137\ud50c\ub9ad\uc2a4 &#8216;\ud558\uc580 \uc2a4\uce94\ub4e4&#8217; \ub4f1\uc7a5\uc778\ubb3c \uc904\uac70\ub9ac: \uc704\ud5d8\ud55c \uac00\uc9dc \uc5f0\uc560\uc758 \uc2dc\uc791]<\/a><br><a href=\"https:\/\/historyandfood.com\/all-of-us-are-dead-season-2-leaked-survivors-ending\/\">\ud83d\udd17 [[\uc2dc\ub9ac\uc988 02] [\ub3c5\uc810 \uc2a4\ud3ec] \uc9c0\uc6b0\ud559 \uc2dc\uc98c 2 \uc720\ucd9c \uacb0\ub9d0: \ucd5c\uc885 \uc0dd\uc874\uc790 \uba85\ub2e8\uacfc \ucda9\uaca9\uc801 \ubc18\uc804 ]<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83c\udfae \ub9c8\ucf00\ud130\uc758 \ucd94\ucc9c: \uc624\ub298\uc758 \uc26c\uc5b4\uac00\uae30 (\ub300\ubc15 \uafc0\uc7bc \ubcf4\uc7a5!)<br><\/strong>\uae34\uc7a5\uac10 \ub118\uce58\ub294 \uc2a4\ub9b4\ub7ec\uc5d0 \uc9c0\uce58\uc168\ub2e4\uba74, \uac00\ubccd\uac8c \uba38\ub9ac\ub97c \uc2dd\ud790 \uc218 \uc788\ub294 \uafc0\uc7bc \ubaa8\ubc14\uc77c \uac8c\uc784 \ud558\ub098\ub97c \ucd94\ucc9c\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<br><a href=\"https:\/\/loadmama.historyandfood.com\/\">\ud83d\udd17 [[\ub5a1\ubcf6\uc774\ub85c \uac8c\uc784\uc774 \ub098\uc654\ub2e4\uace0 \ud569\ub2c8\ub2e4. \ud55c\ubc88 \ubcfc\uae4c\uc694? (\ub300\ubc15 \uafc0\uc7bc)]]<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub9e4\ub2ec \uc740\ud589\uc5d0 \ubc14\uce58\ub294 \ubf08\uc544\ud508 \uc804\uc138\ub300\ucd9c \uc774\uc790, \uc2a4\ub9c8\ud2b8\ud3f0 5\ubd84\uc774\uba74 \ud655 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4! \uc740\ud589 \ubc29\ubb38 \uc5c6\uc774 \uac00\uc7a5 \uc2fc \uc774\uc790\ub85c \ub300\ucd9c\uc744 \uc62e\uae30\ub294 &#8216;\uc628\ub77c\uc778 \uc804\uc138\ub300\ucd9c \uac08\uc544\ud0c0\uae30(\ub300\ud658\ub300\ucd9c)&#8217; \uc870\uac74\ubd80\ud130 \ubd88\uc774\uc775\uc744 \ud53c\ud558\ub294 \uc8fc\uc758\uc0ac\ud56d, \ubcf4\uc99d\uae30\uad00\ubcc4 \ud575\uc2ec \uafc0\ud301\uae4c\uc9c0 \uc644\ubcbd\ud558\uac8c \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"author":1,"featured_media":3117,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kadence_starter_templates_imported_post":true,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[1907,2586],"tags":[2357,2668,2670,2671,2673,2672,2669],"class_list":["post-3116","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gov-subsidies-finance","category-senior-retirement-subsidies","tag-hfood","tag-2668","tag-2670","tag-2671","tag-2673","tag-2672","tag-2669"],"_links":{"self":[{"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/posts\/3116","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/comments?post=3116"}],"version-history":[{"count":1,"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/posts\/3116\/revisions"}],"predecessor-version":[{"id":3119,"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/posts\/3116\/revisions\/3119"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/media\/3117"}],"wp:attachment":[{"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/media?parent=3116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/categories?post=3116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/historyandfood.com\/en\/wp-json\/wp\/v2\/tags?post=3116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}