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relative;\n}\n.lc-native-inner {\n  display: flex; align-items: center; justify-content: space-between; gap: 12px;\n  padding: 16px 16px; background: linear-gradient(135deg, #0f2556, #1f5eff);\n}\n.lc-native-text-title { font-size: 15px; font-weight: 800; color: #fff; }\n.lc-native-text-sub { font-size: 12px; color: rgba(255,255,255,.75); margin-top: 3px; }\n.lc-native-cta {\n  flex-shrink: 0; background: #fff; color: var(--primary);\n  border-radius: 10px; padding: 9px 14px; font-size: 13px; font-weight: 800;\n  transition: opacity .15s;\n}\n.lc-native-cta:hover { opacity: .9; }\n.lc-native-badge { position: absolute; top: 6px; right: 10px; font-size: 10px; color: rgba(255,255,255,.5); }\n\n\/* \ub3c4\uc6c0\ub9d0 *\/\n.lc-help {\n  background: #f8fbff; border: 1px solid #d9e7ff; border-radius: 12px;\n  padding: 13px 16px; margin-top: 14px; font-size: 14px; color: #3b5175; line-height: 1.65;\n}\n\n\/* \u2500\u2500 \uacb0\uacfc \uc601\uc5ed \u2500\u2500 *\/\n.lc-result-placeholder {\n  min-height: 260px; border: 2px dashed #c8d8f0; border-radius: 18px;\n  background: #f8fbff; display: flex; flex-direction: column;\n  align-items: center; justify-content: center; text-align: center; color: var(--muted);\n  padding: 24px; transition: all .3s;\n}\n.lc-result-placeholder .ico { font-size: 44px; margin-bottom: 12px; opacity: .7; }\n.lc-result-placeholder p { font-size: 15px; line-height: 1.6; }\n\n.lc-result { display: none; }\n.lc-result.show { display: block; animation: fadeUp .35s ease; }\n@keyframes fadeUp { from { opacity:0; transform:translateY(12px); } to { opacity:1; transform:translateY(0); } }\n\n\/* \uc6d4 \ub0a9\uc785\uae08 \uac15\uc870 *\/\n.lc-result-hero {\n  background: linear-gradient(135deg, var(--primary-soft), #ddeaff);\n  border: 1.5px solid var(--primary-mid); border-radius: 16px;\n  padding: 22px; margin-bottom: 16px; text-align: center;\n}\n.lc-result-hero-label {\n  font-size: 12px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase;\n  color: var(--primary); margin-bottom: 8px;\n}\n.lc-result-hero-val {\n  font-size: 42px; font-weight: 900; color: var(--primary); letter-spacing: -.06em; line-height: 1;\n}\n.lc-result-hero-sub { font-size: 13px; color: var(--sub); margin-top: 6px; }\n\n\/* \uacb0\uacfc \ud589 *\/\n.lc-result-rows { margin-bottom: 16px; }\n.lc-result-row {\n  display: flex; justify-content: space-between; align-items: center;\n  padding: 11px 0; border-bottom: 1px solid #edf2f8; font-size: 15px;\n}\n.lc-result-row:last-child { border-bottom: none; }\n.lc-result-row .k { color: var(--sub); font-weight: 500; }\n.lc-result-row .v { font-weight: 800; }\n.lc-result-row .v.warn { color: var(--warn); }\n.lc-result-row .v.success { color: var(--success); }\n.lc-result-row .v.primary { color: var(--primary); }\n\n\/* \ucc28\ud2b8 \ubc14 *\/\n.lc-chart { margin-top: 4px; }\n.lc-chart-title { font-size: 12px; font-weight: 700; color: var(--muted); margin-bottom: 10px; letter-spacing: .06em; text-transform: uppercase; }\n.lc-bar-bg { height: 16px; border-radius: 999px; background: #dce6f5; overflow: hidden; display: flex; }\n.lc-bar-p { height: 100%; background: linear-gradient(90deg, var(--primary), #4b7eff); transition: width .6s cubic-bezier(.4,0,.2,1); }\n.lc-bar-i { height: 100%; background: linear-gradient(90deg, var(--warn), #fbbf24); flex: 1; transition: width .6s; }\n.lc-legend { display: flex; gap: 18px; margin-top: 8px; font-size: 13px; color: var(--sub); flex-wrap: wrap; }\n.lc-dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; margin-right: 5px; vertical-align: middle; }\n\n\/* \uc2dc\ub098\ub9ac\uc624 \ube44\uad50 *\/\n.lc-scenario { margin-top: 18px; }\n.lc-scenario-title { font-size: 13px; font-weight: 800; color: var(--sub); margin-bottom: 10px; letter-spacing: .06em; text-transform: uppercase; }\n.lc-scenario-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 8px; }\n.lc-scenario-card {\n  border: 1.5px solid var(--line); border-radius: 12px; padding: 12px;\n  background: #fff; text-align: center; cursor: pointer; transition: all .15s;\n}\n.lc-scenario-card:hover { border-color: var(--primary-mid); background: var(--primary-soft); }\n.lc-scenario-card.active-sc { border-color: var(--primary); background: var(--primary-soft); }\n.lc-scenario-card .sc-year { font-size: 18px; font-weight: 900; color: var(--text); }\n.lc-scenario-card .sc-monthly { font-size: 13px; font-weight: 700; color: var(--primary); margin-top: 3px; }\n.lc-scenario-card .sc-interest { font-size: 11px; color: var(--warn); font-weight: 700; margin-top: 2px; }\n\n\/* \u2500\u2500 \uc0c1\ud658 \uc2a4\ucf00\uc904 \u2500\u2500 *\/\n.lc-schedule-toggle {\n  width: 100%; min-height: 52px; border: 2px solid #c7d3e6; background: #fff;\n  border-radius: var(--radius-sm); font-size: 15px; font-weight: 800; color: #415067;\n  cursor: pointer; display: flex; justify-content: space-between; align-items: center;\n  padding: 0 18px; transition: border-color .15s, color .15s;\n  font-family: var(--font);\n}\n.lc-schedule-toggle:hover { border-color: var(--primary); color: var(--primary); }\n.lc-schedule-wrap { display: none; margin-top: 14px; border-radius: 14px; overflow: hidden; border: 1px solid var(--line); background: #fff; }\n.lc-schedule-wrap.open { display: block; animation: fadeUp .3s ease; }\n\n\/* \uc2a4\ucf00\uc904 \ud544\ud130 *\/\n.lc-schedule-filter {\n  display: flex; gap: 8px; padding: 14px 16px; background: #f8fafd;\n  border-bottom: 1px solid var(--line); flex-wrap: wrap; align-items: center;\n}\n.lc-filter-label { font-size: 13px; font-weight: 700; color: var(--sub); margin-right: 4px; }\n.lc-filter-btn {\n  min-height: 34px; padding: 0 14px; border: 1.5px solid #d1ddf0; border-radius: 999px;\n  background: #fff; font-size: 13px; font-weight: 700; color: var(--sub); cursor: pointer;\n  transition: all .15s; font-family: var(--font);\n}\n.lc-filter-btn:hover, .lc-filter-btn.active-f { border-color: var(--primary); background: var(--primary-soft); color: var(--primary); }\n\n.lc-table-wrap { overflow-x: auto; max-height: 460px; overflow-y: auto; }\n.lc-table { width: 100%; min-width: 620px; border-collapse: collapse; }\n.lc-table thead th {\n  position: sticky; top: 0; background: #f2f7ff; color: #5a6b82;\n  font-size: 12px; letter-spacing: .07em; text-transform: uppercase;\n  padding: 12px 14px; border-bottom: 2px solid var(--primary-mid); text-align: right; font-weight: 800;\n}\n.lc-table thead th:first-child { text-align: left; }\n.lc-table tbody td { padding: 11px 14px; border-bottom: 1px solid #edf2f8; font-size: 14px; color: #415067; text-align: right; }\n.lc-table tbody td:first-child { text-align: left; font-weight: 700; color: var(--text); }\n.lc-table tbody tr:last-child td { border-bottom: none; }\n.lc-table tbody tr:hover td { background: #f8fbff; }\n.lc-table .td-monthly { font-weight: 800; color: var(--primary); }\n.lc-table .td-low-principal { color: #9ca3af; }\n.lc-table tfoot td {\n  padding: 12px 14px; background: #f2f7ff; font-size: 13px; font-weight: 800;\n  border-top: 2px solid var(--primary-mid); text-align: right; color: var(--text);\n}\n.lc-table tfoot td:first-child { text-align: left; color: var(--primary); }\n\n\/* \uc2a4\ucf00\uc904 \ub2e4\uc6b4\ub85c\ub4dc *\/\n.lc-schedule-actions { display: flex; gap: 10px; padding: 14px 16px; border-top: 1px solid var(--line); background: #fafbfd; }\n.lc-dl-btn {\n  min-height: 38px; padding: 0 16px; border: 1.5px solid #d1ddf0; border-radius: 10px;\n  background: #fff; font-size: 13px; font-weight: 700; color: var(--sub); cursor: pointer;\n  transition: all .15s; font-family: var(--font);\n}\n.lc-dl-btn:hover { border-color: var(--primary); color: var(--primary); }\n\n\/* \u2500\u2500 \ucf58\ud150\uce20 \u2500\u2500 *\/\n.lc-content h2 { font-size: 26px; font-weight: 900; letter-spacing: -.04em; margin-bottom: 14px; }\n.lc-content h3 { font-size: 20px; font-weight: 800; letter-spacing: -.03em; margin: 24px 0 10px; }\n.lc-content p { font-size: 16px; color: #374151; margin-bottom: 14px; }\n.lc-content ul { padding-left: 20px; }\n.lc-content li { font-size: 16px; color: #374151; margin-bottom: 8px; }\n.lc-formula {\n  background: #f0f7ff; border-left: 5px solid var(--primary);\n  padding: 16px 20px; border-radius: 0 14px 14px 0; margin: 16px 0;\n  font-size: 16px; color: #1e3a6e; font-weight: 700;\n}\n.lc-callout {\n  background: #fffbeb; border: 1px solid #fde68a; border-radius: 14px;\n  padding: 14px 18px; margin: 16px 0; font-size: 15px; color: #78350f;\n}\n.lc-callout strong { color: #b45309; }\n\n\/* \u2500\u2500 FAQ \u2500\u2500 *\/\n.lc-faq details { border: 1.5px solid var(--line); border-radius: 14px; overflow: hidden; margin-bottom: 8px; background: #fff; }\n.lc-faq details[open] { border-color: var(--primary-mid); }\n.lc-faq summary {\n  cursor: pointer; list-style: none; padding: 17px 18px;\n  font-size: 16px; font-weight: 800; color: var(--text);\n  display: flex; justify-content: space-between; align-items: center; gap: 10px;\n}\n.lc-faq summary::-webkit-details-marker { display: none; }\n.lc-faq summary::after { content: '\uff0b'; font-size: 18px; color: var(--primary); flex-shrink: 0; }\n.lc-faq details[open] summary::after { content: '\uff0d'; }\n.lc-faq .ans { padding: 0 18px 18px; font-size: 15px; color: #455064; line-height: 1.75; }\n\n\/* \u2500\u2500 \ud558\ub2e8 \ub124\ube44 \u2500\u2500 *\/\n.lc-bottom-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; }\n.lc-bottom-grid a {\n  background: linear-gradient(135deg, var(--primary), var(--accent));\n  color: #fff; border-radius: 14px; padding: 16px 12px;\n  text-align: center; font-size: 14px; font-weight: 800; transition: transform .15s;\n}\n.lc-bottom-grid a:hover { transform: translateY(-2px); }\n\n\/* \u2500\u2500 \uc0ac\uc774\ub4dc\ubc14 \u2500\u2500 *\/\n.lc-side .sticky { position: sticky; top: 68px; }\n.lc-side-box { background: #fff; border: 1.5px solid var(--line); border-radius: 18px; box-shadow: var(--shadow); overflow: hidden; margin-bottom: 16px; }\n.lc-side-head { font-size: 12px; font-weight: 800; color: var(--muted); letter-spacing: .1em; text-transform: uppercase; padding: 11px 16px; border-bottom: 1px solid var(--line); background: #fafbfd; }\n.lc-side-links a {\n  display: flex; align-items: center; gap: 8px;\n  padding: 13px 16px; border-bottom: 1px solid #f0f4fb;\n  font-size: 14px; font-weight: 700; color: #1f2937; transition: background .1s, color .1s;\n}\n.lc-side-links a:last-child { border-bottom: none; }\n.lc-side-links a:hover { background: var(--primary-soft); color: var(--primary); }\n.lc-side-links a.current { color: var(--primary); background: var(--primary-soft); }\n.lc-side-links .stag { margin-left: auto; font-size: 10px; font-weight: 800; background: #fff0f0; color: #dc2626; border-radius: 999px; padding: 2px 7px; }\n\n\/* \uae08\ub9ac \uc815\ubcf4 \ubc15\uc2a4 *\/\n.lc-rate-box { padding: 16px; }\n.lc-rate-item { display: flex; justify-content: space-between; align-items: center; padding: 9px 0; border-bottom: 1px solid #f0f4fb; font-size: 14px; }\n.lc-rate-item:last-child { border-bottom: none; }\n.lc-rate-name { color: var(--sub); font-weight: 600; }\n.lc-rate-val { font-weight: 800; color: var(--primary); }\n.lc-rate-note { font-size: 11px; color: var(--muted); margin-top: 10px; text-align: right; }\n\n\/* \u2500\u2500 \ubc18\uc751\ud615 \u2500\u2500 *\/\n@media (max-width: 1060px) { .lc-layout { grid-template-columns: 1fr; } .lc-side { display: none; } }\n@media (max-width: 820px) {\n  .lc-calc-layout { grid-template-columns: 1fr; }\n  .lc-hero h1 { font-size: 32px; }\n  .lc-hero-stat { display: none; }\n}\n@media (max-width: 600px) {\n  .lc-hero { padding: 26px 20px; }\n  .lc-hero h1 { font-size: 28px; }\n  .lc-card { padding: 18px; }\n  .lc-result-hero-val { font-size: 34px; }\n  .lc-scenario-grid { grid-template-columns: repeat(3,1fr); }\n  .lc-bottom-grid { grid-template-columns: repeat(2,1fr); }\n}\n<\/style>\n\n<div class=\"lc-wrap\">\n\n  <!-- \ud5e4\ub354 -->\n  <header class=\"lc-top\">\n    <div class=\"lc-top-inner\">\n      <a href=\"\/\" class=\"lc-logo\">Calc<em>Hub<\/em><\/a>\n      <div class=\"lc-top-right\">\n        <span class=\"lc-top-tag\">\ubb34\ub8cc \uacc4\uc0b0\uae30<\/span>\n        <span class=\"lc-top-tag\">\ubaa8\ubc14\uc77c \ucd5c\uc801\ud654<\/span>\n      <\/div>\n    <\/div>\n  <\/header>\n\n  <!-- \ud0ed -->\n  <nav class=\"lc-tabs-wrap\" aria-label=\"\uae08\uc735 \uacc4\uc0b0\uae30 \uba54\ub274\">\n    <div class=\"lc-tabs\">\n      <a href=\"\/finance\/\" class=\"lc-tab\">\ud83d\udcb0 \uae08\uc735 \ud648<\/a>\n      <a href=\"\/finance\/loan-calculator\/\" class=\"lc-tab active\">\ud83d\udcca \ub300\ucd9c \uacc4\uc0b0\uae30<\/a>\n      <a href=\"\/finance\/interest-calculator\/\" class=\"lc-tab\">\ud83d\udcb5 \uc774\uc790 \uacc4\uc0b0\uae30<\/a>\n      <a href=\"\/finance\/compound-interest-calculator\/\" class=\"lc-tab\">\ud83d\udcc8 \ubcf5\ub9ac \uacc4\uc0b0\uae30<\/a>\n      <a href=\"\/finance\/savings-calculator\/\" class=\"lc-tab\">\ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30<\/a>\n      <a href=\"\/finance\/investment-return-calculator\/\" class=\"lc-tab\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30<\/a>\n      <a href=\"\/finance\/pension-calculator\/\" class=\"lc-tab\">\ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30<\/a>\n      <a href=\"\/finance\/card-installment-calculator\/\" class=\"lc-tab\">\ud83d\udcb3 \uce74\ub4dc \ud560\ubd80 \uacc4\uc0b0\uae30<\/a>\n    <\/div>\n  <\/nav>\n\n  <div class=\"lc-con\">\n\n    <!-- \ube75\uac00\ub8e8 -->\n    <nav class=\"lc-bc\" aria-label=\"breadcrumb\">\n      <a href=\"\/\">\ud648<\/a> <a href=\"\/\">\ud648<\/a> &gt; <a href=\"\/\">\uacc4\uc0b0\uae30<\/a> &gt; <a href=\"\/finance\/\">\uae08\uc735 \uacc4\uc0b0\uae30<\/a>gt; <a href=\"\/finance\/\">\uae08\uc735 \uacc4\uc0b0\uae30<\/a> &gt; <strong>\ub300\ucd9c \uacc4\uc0b0\uae30<\/strong>\n    <\/nav>\n\n    <!-- \ud788\uc5b4\ub85c -->\n    <section class=\"lc-hero\" aria-labelledby=\"lc-hero-title\">\n      <div class=\"lc-hero-inner\">\n        <div>\n          <h1 id=\"lc-hero-title\">\n            <small>\ubb34\ub8cc \u00b7 \uc989\uc2dc \uacc4\uc0b0 \u00b7 \uc2a4\ucf00\uc904 \uc81c\uacf5<\/small>\n            \ub300\ucd9c \uacc4\uc0b0\uae30\n          <\/h1>\n          <p class=\"lc-hero-desc\">\ub300\ucd9c \uae08\uc561, \uc5f0\uc774\uc790\uc728, \uc0c1\ud658 \uae30\uac04\uc744 \uc785\ub825\ud558\uba74 \uc6d4 \ub0a9\uc785\uae08\u00b7\ucd1d \uc774\uc790\u00b7\uc6d4\ubcc4 \uc0c1\ud658 \uc2a4\ucf00\uc904\uc744 \ubc14\ub85c \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/p>\n          <div class=\"lc-hero-pills\">\n            <span class=\"lc-pill\">\ud83d\udcca \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658<\/span>\n            <span class=\"lc-pill\">\ud83d\udccb \uc6d4\ubcc4 \uc2a4\ucf00\uc904<\/span>\n            <span class=\"lc-pill\">\ud83d\udd04 \uae30\uac04\ubcc4 \ube44\uad50<\/span>\n            <span class=\"lc-pill\">\ud83d\udce5 CSV \ub2e4\uc6b4\ub85c\ub4dc<\/span>\n          <\/div>\n        <\/div>\n        <div class=\"lc-hero-stat\">\n          <div class=\"lc-hero-stat-num\">0\uc6d0<\/div>\n          <div class=\"lc-hero-stat-label\">\uc774\uc6a9 \uc694\uae08<\/div>\n        <\/div>\n      <\/div>\n    <\/section>\n\n    <!-- \uc0c1\ub2e8 \uad11\uace0 -->\n    <div class=\"lc-ad-wrap\" style=\"margin:18px 0 22px;text-align:center;\">\n      <div class=\"lc-ad-label\">\uad11\uace0<\/div>\n      <ins class=\"adsbygoogle\"\n           style=\"display:block\"\n           data-ad-client=\"ca-pub-9333078688270478\"\n           data-ad-slot=\"2135520075\"\n           data-ad-format=\"horizontal\"\n           data-full-width-responsive=\"true\"><\/ins>\n    <\/div>\n\n    <div class=\"lc-layout\">\n      <main class=\"lc-main\">\n\n        <!-- \u2605 \uacc4\uc0b0\uae30 \ubcf8\uccb4 -->\n        <section class=\"lc-card\" aria-labelledby=\"calc-title\">\n          <div class=\"lc-calc-layout\">\n\n            <!-- \uc785\ub825 -->\n            <div>\n              <div class=\"lc-sec-label\">\ud83d\udcdd \ub300\ucd9c \uc815\ubcf4 \uc785\ub825<\/div>\n\n              <!-- \ub300\ucd9c \uae08\uc561 -->\n              <div class=\"lc-field\">\n                <div class=\"lc-label\">\n                  <span>\ub300\ucd9c \uae08\uc561<\/span>\n                  <span class=\"lc-live\" id=\"amountLive\">3,000\ub9cc\uc6d0<\/span>\n                <\/div>\n                <div class=\"lc-input-wrap\">\n                  <input class=\"lc-input\" id=\"lcAmount\" type=\"text\" value=\"30,000,000\" inputmode=\"numeric\" autocomplete=\"off\">\n                  <span class=\"lc-unit\">\uc6d0<\/span>\n                <\/div>\n                <div class=\"lc-range-wrap\">\n                  <input class=\"lc-range\" id=\"lcAmountRange\" type=\"range\" min=\"10000\" max=\"1000000000\" step=\"10000\" value=\"30000000\">\n                  <div class=\"lc-range-marks\"><span>1\ub9cc<\/span><span>2.5\uc5b5<\/span><span>5\uc5b5<\/span><span>7.5\uc5b5<\/span><span>10\uc5b5<\/span><\/div>\n                <\/div>\n              <\/div>\n\n              <!-- \uc5f0 \uc774\uc790\uc728 -->\n              <div class=\"lc-field\">\n                <div class=\"lc-label\">\n                  <span>\uc5f0 \uc774\uc790\uc728<\/span>\n                  <span class=\"lc-live\" id=\"rateLive\">4.5%<\/span>\n                <\/div>\n                <div class=\"lc-input-wrap\">\n                  <input class=\"lc-input\" id=\"lcRate\" type=\"text\" value=\"4.5\" inputmode=\"decimal\" autocomplete=\"off\">\n                  <span class=\"lc-unit\">%<\/span>\n                <\/div>\n                <div class=\"lc-range-wrap\">\n                  <input class=\"lc-range\" id=\"lcRateRange\" type=\"range\" min=\"0.1\" max=\"25\" step=\"0.1\" value=\"4.5\">\n                  <div class=\"lc-range-marks\"><span>0.1%<\/span><span>6%<\/span><span>12%<\/span><span>18%<\/span><span>25%<\/span><\/div>\n                <\/div>\n              <\/div>\n\n              <!-- \uc0c1\ud658 \uae30\uac04 -->\n              <div class=\"lc-field\">\n                <div class=\"lc-label\">\n                  <span>\uc0c1\ud658 \uae30\uac04<\/span>\n                  <span class=\"lc-live\" id=\"yearsLive\">20\ub144<\/span>\n                <\/div>\n                <div class=\"lc-input-wrap\">\n                  <input class=\"lc-input\" id=\"lcYears\" type=\"text\" value=\"20\" inputmode=\"numeric\" autocomplete=\"off\">\n                  <span class=\"lc-unit\">\ub144<\/span>\n                <\/div>\n                <div class=\"lc-range-wrap\">\n                  <input class=\"lc-range\" id=\"lcYearsRange\" type=\"range\" min=\"1\" max=\"50\" step=\"1\" value=\"20\">\n                  <div class=\"lc-range-marks\"><span>1\ub144<\/span><span>12\ub144<\/span><span>25\ub144<\/span><span>37\ub144<\/span><span>50\ub144<\/span><\/div>\n                <\/div>\n              <\/div>\n\n              <!-- \uc0c1\ud658 \ubc29\uc2dd -->\n              <div class=\"lc-field\">\n                <div class=\"lc-label\"><span>\uc0c1\ud658 \ubc29\uc2dd<\/span><\/div>\n                <div class=\"lc-type-tabs\">\n                  <button class=\"lc-type-tab active\" id=\"typeEqual\" onclick=\"setType('equal')\">\n                    \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658\n                    <small>\ub9e4\ub2ec \ub3d9\uc77c \uae08\uc561 \ub0a9\uc785<\/small>\n                  <\/button>\n                  <button class=\"lc-type-tab\" id=\"typePrincipal\" onclick=\"setType('principal')\">\n                    \uc6d0\uae08\uade0\ub4f1\uc0c1\ud658\n                    <small>\ucd08\uae30 \ub0a9\uc785 \ub192\uace0 \uac10\uc18c<\/small>\n                  <\/button>\n                <\/div>\n              <\/div>\n\n              <button class=\"lc-calc-btn\" onclick=\"calcLoan()\">\ud83d\udcca \uacc4\uc0b0\ud558\uae30<\/button>\n\n              <!-- \ub124\uc774\ud2f0\ube0c \uad11\uace0 -->\n              <a href=\"#\" class=\"lc-native\" rel=\"nofollow sponsored noopener\" target=\"_blank\">\n                <div class=\"lc-native-inner\">\n                  <div>\n                    <div class=\"lc-native-text-title\">\ud83d\udca1 \ub0b4 \uc870\uac74\uc5d0 \ub9de\ub294 \ub300\ucd9c \uae08\ub9ac \ube44\uad50<\/div>\n                    <div class=\"lc-native-text-sub\">\uc2dc\uc911 \uc740\ud589\u00b7\uc778\ud130\ub137 \uc740\ud589 \uae08\ub9ac\ub97c \ud55c \ubc88\uc5d0 \ube44\uad50\ud558\uc138\uc694<\/div>\n                  <\/div>\n                  <span class=\"lc-native-cta\">\ud655\uc778\ud558\uae30<\/span>\n                <\/div>\n                <span class=\"lc-native-badge\">\uad11\uace0<\/span>\n              <\/a>\n\n              <div class=\"lc-help\">\n                \ud83d\udca1 <strong>\uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658<\/strong>\uc740 \ub9e4\ub2ec \uac19\uc740 \uae08\uc561\uc744 \ub0a9\uc785\ud569\ub2c8\ub2e4. <strong>\uc6d0\uae08\uade0\ub4f1\uc0c1\ud658<\/strong>\uc740 \ucd08\ubc18 \ub0a9\uc785\uae08\uc774 \ub192\uc9c0\ub9cc \ucd1d \uc774\uc790\uac00 \uc801\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uae08\uc735\uc0ac \uc870\uac74\uacfc \ucc28\uc774\uac00 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n              <\/div>\n            <\/div>\n\n            <!-- \uacb0\uacfc -->\n            <div>\n              <div class=\"lc-sec-label\">\ud83d\udcc8 \uacc4\uc0b0 \uacb0\uacfc<\/div>\n\n              <div class=\"lc-result-placeholder\" id=\"lcPlaceholder\">\n                <div class=\"ico\">\ud83d\udd22<\/div>\n                <p>\ub300\ucd9c \uc815\ubcf4\ub97c \uc785\ub825\ud55c \ub4a4<br><strong>\uacc4\uc0b0\ud558\uae30<\/strong> \ubc84\ud2bc\uc744 \ub20c\ub7ec\uc8fc\uc138\uc694.<\/p>\n              <\/div>\n\n              <div class=\"lc-result\" id=\"lcResult\">\n                <!-- \uc6d4 \ub0a9\uc785\uae08 \uac15\uc870 -->\n                <div class=\"lc-result-hero\">\n                  <div class=\"lc-result-hero-label\" id=\"lcResultHeroLabel\">\uc6d4 \ub0a9\uc785\uae08 (\uc6d0\ub9ac\uae08\uade0\ub4f1)<\/div>\n                  <div class=\"lc-result-hero-val\" id=\"lcMonthly\">\u2014<\/div>\n                  <div class=\"lc-result-hero-sub\" id=\"lcResultHeroSub\">\u2014<\/div>\n                <\/div>\n\n                <!-- \uc138\ubd80 \uacb0\uacfc -->\n                <div class=\"lc-result-rows\">\n                  <div class=\"lc-result-row\"><span class=\"k\">\ucd1d \ub0a9\uc785\uae08<\/span><span class=\"v primary\" id=\"lcTotal\">\u2014<\/span><\/div>\n                  <div class=\"lc-result-row\"><span class=\"k\">\ucd1d \uc774\uc790<\/span><span class=\"v warn\" id=\"lcTotalInterest\">\u2014<\/span><\/div>\n                  <div class=\"lc-result-row\"><span class=\"k\">\ub300\ucd9c \uc6d0\uae08<\/span><span class=\"v\" id=\"lcPrincipal\">\u2014<\/span><\/div>\n                  <div class=\"lc-result-row\"><span class=\"k\">\uc774\uc790 \ube44\uc911<\/span><span class=\"v\" id=\"lcInterestRatio\">\u2014<\/span><\/div>\n                  <div class=\"lc-result-row\"><span class=\"k\">\uc6d0\uae08 \ub300\ube44 \uc774\uc790<\/span><span class=\"v warn\" id=\"lcInterestMultiple\">\u2014<\/span><\/div>\n                <\/div>\n\n                <!-- \ube44\uc728 \ucc28\ud2b8 -->\n                <div class=\"lc-chart\">\n                  <div class=\"lc-chart-title\">\uc6d0\uae08 vs \uc774\uc790 \ube44\uc728<\/div>\n                  <div class=\"lc-bar-bg\">\n                    <div class=\"lc-bar-p\" id=\"lcBarP\" style=\"width:50%\"><\/div>\n                    <div class=\"lc-bar-i\" id=\"lcBarI\"><\/div>\n                  <\/div>\n                  <div class=\"lc-legend\">\n                    <span><span class=\"lc-dot\" style=\"background:var(--primary)\"><\/span>\uc6d0\uae08 <strong id=\"lcPPercent\">\u2014<\/strong><\/span>\n                    <span><span class=\"lc-dot\" style=\"background:var(--warn)\"><\/span>\uc774\uc790 <strong id=\"lcIPercent\">\u2014<\/strong><\/span>\n                  <\/div>\n                <\/div>\n\n                <!-- \uae30\uac04\ubcc4 \uc2dc\ub098\ub9ac\uc624 \ube44\uad50 -->\n                <div class=\"lc-scenario\">\n                  <div class=\"lc-scenario-title\">\u2696 \uae30\uac04\ubcc4 \ub0a9\uc785\uae08 \ube44\uad50<\/div>\n                  <div class=\"lc-scenario-grid\" id=\"lcScenarios\"><\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n\n          <\/div><!-- \/lc-calc-layout -->\n\n          <!-- \uc778\ud53c\ub4dc \uad11\uace0 (\uacc4\uc0b0\uae30 \uce74\ub4dc \ub0b4\ubd80 \ud558\ub2e8) -->\n          <div style=\"margin-top:20px;text-align:center;\">\n            <div style=\"font-size:10px;color:var(--muted);text-align:center;letter-spacing:.08em;margin-bottom:2px;\">\uad11\uace0<\/div>\n            <ins class=\"adsbygoogle\"\n                 style=\"display:block\"\n                 data-ad-layout=\"in-article\"\n                 data-ad-format=\"fluid\"\n                 data-ad-client=\"ca-pub-9333078688270478\"\n                 data-ad-slot=\"5631911954\"><\/ins>\n          <\/div>\n        <\/section>\n\n        <!-- \uc0c1\ud658 \uc2a4\ucf00\uc904 -->\n        <section class=\"lc-card\" aria-label=\"\uc6d4\ubcc4 \uc0c1\ud658 \uc2a4\ucf00\uc904\">\n          <button class=\"lc-schedule-toggle\" onclick=\"toggleSchedule()\" aria-expanded=\"false\" id=\"scheduleToggle\">\n            <span>\ud83d\udccb \uc6d4\ubcc4 \uc0c1\ud658 \uc2a4\ucf00\uc904 \ubcf4\uae30<\/span>\n            <span id=\"scheduleArrow\" style=\"font-size:13px;\">\u25bc<\/span>\n          <\/button>\n\n          <div class=\"lc-schedule-wrap\" id=\"lcSchedule\">\n            <div class=\"lc-schedule-filter\">\n              <span class=\"lc-filter-label\">\ud45c\uc2dc:<\/span>\n              <button class=\"lc-filter-btn active-f\" onclick=\"filterSchedule('all', this)\">\uc804\uccb4<\/button>\n              <button class=\"lc-filter-btn\" onclick=\"filterSchedule('yearly', this)\">\uc5f0\uac04 \uc694\uc57d<\/button>\n              <button class=\"lc-filter-btn\" onclick=\"filterSchedule('first', this)\">\ucc98\uc74c 12\uac1c\uc6d4<\/button>\n              <button class=\"lc-filter-btn\" onclick=\"filterSchedule('last', this)\">\ub9c8\uc9c0\ub9c9 12\uac1c\uc6d4<\/button>\n            <\/div>\n            <div class=\"lc-table-wrap\">\n              <table class=\"lc-table\" aria-label=\"\uc0c1\ud658 \uc2a4\ucf00\uc904 \ud45c\">\n                <thead>\n                  <tr>\n                    <th>\ud68c\ucc28<\/th>\n                    <th>\uc6d4 \ub0a9\uc785\uae08<\/th>\n                    <th>\uc6d0\uae08 \uc0c1\ud658<\/th>\n                    <th>\uc774\uc790<\/th>\n                    <th>\uc794\uc5ec \uc6d0\uae08<\/th>\n                  <\/tr>\n                <\/thead>\n                <tbody id=\"lcScheduleBody\"><\/tbody>\n                <tfoot id=\"lcScheduleFoot\"><\/tfoot>\n              <\/table>\n            <\/div>\n            <div class=\"lc-schedule-actions\">\n              <button class=\"lc-dl-btn\" onclick=\"downloadCSV()\">\ud83d\udce5 CSV \ub2e4\uc6b4\ub85c\ub4dc<\/button>\n              <button class=\"lc-dl-btn\" onclick=\"copyTable()\">\ud83d\udccb \ubcf5\uc0ac<\/button>\n            <\/div>\n          <\/div>\n        <\/section>\n\n        <!-- \uc911\uac04 \uad11\uace0 -->\n        <div class=\"lc-ad-wrap\" style=\"text-align:center;padding:4px 0;\">\n          <div class=\"lc-ad-label\">\uad11\uace0<\/div>\n          <ins class=\"adsbygoogle\"\n               style=\"display:block\"\n               data-ad-format=\"autorelaxed\"\n               data-ad-client=\"ca-pub-9333078688270478\"\n               data-ad-slot=\"9989959361\"><\/ins>\n        <\/div>\n\n        <!-- \uc548\ub0b4 \ucf58\ud150\uce20 -->\n        <section class=\"lc-card lc-content\" id=\"guide\" aria-labelledby=\"guide-title\">\n          <h2 id=\"guide-title\">\ub300\ucd9c \uacc4\uc0b0\uae30 \uc0ac\uc6a9\ubc95 \ubc0f \uacc4\uc0b0 \uc6d0\ub9ac<\/h2>\n          <p>\ub300\ucd9c \uacc4\uc0b0\uae30\ub294 \uae08\uc735 \uae30\uad00\uc5d0\uc11c \ub3c8\uc744 \ube4c\ub838\uc744 \ub54c \ub9e4\ub2ec \uc5bc\ub9c8\ub97c \uac1a\uc544\uc57c \ud558\ub294\uc9c0, \uc804\uccb4 \uae30\uac04 \ub3d9\uc548 \ucd1d \uc774\uc790\ub294 \uc5bc\ub9c8\uc778\uc9c0\ub97c \ubbf8\ub9ac \ud655\uc778\ud560 \uc218 \uc788\ub294 \ub3c4\uad6c\uc785\ub2c8\ub2e4. \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, \uc2e0\uc6a9\ub300\ucd9c, \uc804\uc138\ub300\ucd9c, \uc790\ub3d9\ucc28 \ud560\ubd80 \ub4f1 \uc0c1\ud658 \uae30\uac04\uc774 \uc815\ud574\uc9c4 \ubaa8\ub4e0 \ub300\ucd9c\uc5d0 \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n          <h3>\uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658 \uacc4\uc0b0 \uacf5\uc2dd<\/h3>\n          <div class=\"lc-formula\">\uc6d4 \ub0a9\uc785\uae08 = \ub300\ucd9c\uc6d0\uae08 \u00d7 \uc6d4\uc774\uc790\uc728 \u00f7 (1 \u2212 (1 + \uc6d4\uc774\uc790\uc728)^\u2212\uc0c1\ud658\uac1c\uc6d4\uc218)<\/div>\n          <p>\uc6d4\uc774\uc790\uc728 = \uc5f0\uc774\uc790\uc728 \u00f7 12. \uc608\ub97c \ub4e4\uc5b4 \uc5f0 4.5%\ub77c\uba74 \uc6d4\uc774\uc790\uc728\uc740 4.5% \u00f7 12 = 0.375%\uc785\ub2c8\ub2e4. \ub9e4\ub2ec \ub0a9\uc785\ud558\ub294 \uae08\uc561\uc740 \uace0\uc815\ub418\uc9c0\ub9cc, \ucd08\ubc18\uc5d0\ub294 \uc774\uc790 \ube44\uc911\uc774 \ub192\uace0 \ud6c4\ubc18\uc73c\ub85c \uac08\uc218\ub85d \uc6d0\uae08 \uc0c1\ud658 \ube44\uc911\uc774 \ucee4\uc9d1\ub2c8\ub2e4.<\/p>\n\n          <h3>\uc6d0\uae08\uade0\ub4f1\uc0c1\ud658\uc774\ub780?<\/h3>\n          <p>\uc6d0\uae08\uc744 \ub9e4\ub2ec \ub3d9\uc77c\ud55c \uae08\uc561\uc73c\ub85c \uc0c1\ud658\ud558\uace0, \uc794\uc5ec \uc6d0\uae08\uc5d0 \ub300\ud55c \uc774\uc790\ub97c \ucd94\uac00\ub85c \ub0a9\uc785\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ucd08\ubc18 \ub0a9\uc785\uae08\uc774 \ub192\uc9c0\ub9cc \uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \uc904\uc5b4\ub4e4\uba70, \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658\ubcf4\ub2e4 \ucd1d \uc774\uc790\uac00 \uc801\uc2b5\ub2c8\ub2e4.<\/p>\n          <div class=\"lc-callout\">\n            <strong>\ud83d\udca1 \uc5b4\ub5a4 \ubc29\uc2dd\uc774 \uc720\ub9ac\ud560\uae4c\uc694?<\/strong> \ucd1d \uc774\uc790 \uc808\uac10 \u2192 \uc6d0\uae08\uade0\ub4f1\uc0c1\ud658. \uc6d4 \uc608\uc0b0 \uad00\ub9ac \ud3b8\uc758 \u2192 \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658. \ucd08\uae30 \ud604\uae08 \uc5ec\uc720\uac00 \uc788\ub2e4\uba74 \uc6d0\uae08\uade0\ub4f1\uc0c1\ud658\uc744 \uace0\ub824\ud574\ubcf4\uc138\uc694.\n          <\/div>\n\n          <h3>\ub300\ucd9c \uae08\ub9ac\uc640 \uae30\uac04\uc758 \uad00\uacc4<\/h3>\n          <p>\uac19\uc740 \uae08\uc561\uc744 \ube4c\ub9ac\ub354\ub77c\ub3c4 \uae30\uac04\uc744 \ub298\ub9ac\uba74 \uc6d4 \ub0a9\uc785\uae08\uc740 \uc904\uc9c0\ub9cc \ucd1d \uc774\uc790\ub294 \ud06c\uac8c \uc99d\uac00\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 3\uc5b5 \uc6d0\uc744 \uc5f0 4% \uae08\ub9ac\ub85c \ube4c\ub9b4 \ub54c, 20\ub144 \uc0c1\ud658 \uc2dc \ucd1d \uc774\uc790\ub294 \uc57d 1.32\uc5b5 \uc6d0\uc774\uc9c0\ub9cc 30\ub144 \uc0c1\ud658 \uc2dc \uc57d 2.15\uc5b5 \uc6d0\uc73c\ub85c \ub298\uc5b4\ub0a9\ub2c8\ub2e4.<\/p>\n\n          <h3>\uc911\ub3c4\uc0c1\ud658 \ud65c\uc6a9 \uc804\ub7b5<\/h3>\n          <ul>\n            <li>\ucd08\uae30 \uba87 \ub144 \uac04\uc740 \uc774\uc790 \ube44\uc911\uc774 \ub192\uc73c\ubbc0\ub85c \ube60\ub978 \uc911\ub3c4\uc0c1\ud658\uc774 \uc774\uc790 \uc808\uac10\uc5d0 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4.<\/li>\n            <li>\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc(\ubcf4\ud1b5 \ub300\ucd9c \ud6c4 3\ub144 \uc774\ub0b4 0.5~1.5%)\uc640 \uc808\uc57d \uc774\uc790\ub97c \ube44\uad50\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n            <li>\uc6d4\ubcc4 \uc2a4\ucf00\uc904\uc758 \uc794\uc5ec \uc6d0\uae08\uc744 \ud655\uc778\ud574 \ud2b9\uc815 \ud68c\ucc28\uc5d0\uc11c\uc758 \uc911\ub3c4\uc0c1\ud658 \ud6a8\uacfc\ub97c \uacc4\uc0b0\ud574\ubcf4\uc138\uc694.<\/li>\n          <\/ul>\n\n          <h3>DSR(\ucd1d\ubd80\ucc44\uc6d0\ub9ac\uae08\uc0c1\ud658\ube44\uc728)\ub780?<\/h3>\n          <p>DSR\uc740 \uc5f0\uac04 \ucd1d \ubd80\ucc44 \uc6d0\ub9ac\uae08 \uc0c1\ud658\uc561\uc774 \uc5f0\uac04 \uc18c\ub4dd\uc758 \uba87 %\uc778\uc9c0\ub97c \ub098\ud0c0\ub0b4\ub294 \uc9c0\ud45c\uc785\ub2c8\ub2e4. 2023\ub144 \uc774\ud6c4 \uaddc\uc81c\uc5d0 \ub530\ub77c DSR 40% \ucd08\uacfc \uc2dc \ub300\ucd9c\uc774 \uc81c\ud55c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uacc4\uc0b0\uae30\uc758 \uc6d4 \ub0a9\uc785\uae08 \uacb0\uacfc\ub97c \ud65c\uc6a9\ud574 \uc790\uc2e0\uc758 DSR\uc744 \ucd94\uc815\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n        <\/section>\n\n        <!-- FAQ -->\n        <section class=\"lc-card lc-faq\" id=\"faq\" aria-labelledby=\"faq-title\">\n          <h2 style=\"font-size:24px;font-weight:900;letter-spacing:-.04em;margin-bottom:16px;\" id=\"faq-title\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n\n          <details open>\n            <summary>\uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/summary>\n            <div class=\"ans\">\ub9e4\ub2ec \ub0a9\uc785\ud558\ub294 \ucd1d \uae08\uc561\uc774 \uc77c\uc815\ud55c \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ucd08\ubc18\uc5d0\ub294 \uc774\uc790 \ube44\uc911\uc774 \ub192\uace0 \uc2dc\uac04\uc774 \uac08\uc218\ub85d \uc6d0\uae08 \uc0c1\ud658 \ube44\uc911\uc774 \ucee4\uc9d1\ub2c8\ub2e4. \ub300\ubd80\ubd84\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, \uc2e0\uc6a9\ub300\ucd9c\uc5d0\uc11c \uae30\ubcf8\uc73c\ub85c \uc0ac\uc6a9\ub418\ub294 \ubc29\uc2dd\uc73c\ub85c \ub9e4\ub2ec \ub3d9\uc77c\ud55c \uae08\uc561\uc744 \ub0a9\uc785\ud558\ubbc0\ub85c \uac00\uacc4 \uc608\uc0b0 \uacc4\ud68d\uc5d0 \ud3b8\ub9ac\ud569\ub2c8\ub2e4.<\/div>\n          <\/details>\n\n          <details>\n            <summary>\ub300\ucd9c \uae30\uac04\uc774 \uae38\uba74 \ubb34\uc870\uac74 \uc720\ub9ac\ud55c\uac00\uc694?<\/summary>\n            <div class=\"ans\">\uc544\ub2d9\ub2c8\ub2e4. \uae30\uac04\uc774 \uae38\uba74 \uc6d4 \ub0a9\uc785\uae08\uc740 \uc904\uc5b4\ub4e4\uc9c0\ub9cc \ucd1d \uc774\uc790 \ubd80\ub2f4\uc740 \ud06c\uac8c \ub298\uc5b4\ub0a9\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 3\uc5b5 \uc6d0\uc744 \uc5f0 4.5%\ub85c \ube4c\ub9b4 \ub54c 20\ub144 \uc0c1\ud658\ubcf4\ub2e4 30\ub144 \uc0c1\ud658\uc744 \uc120\ud0dd\ud558\uba74 \uc6d4 \ub0a9\uc785\uae08\uc740 \uc904\uc9c0\ub9cc \ucd1d \uc774\uc790\uac00 \uc218\ucc9c\ub9cc \uc6d0 \ub354 \ub298\uc5b4\ub0a9\ub2c8\ub2e4. \ud604\uae08 \ud750\ub984 \uc5ec\uc720\uac00 \uc788\ub2e4\uba74 \uae30\uac04\uc744 \uc904\uc774\ub294 \uac83\uc774 \ucd1d \ube44\uc6a9 \uba74\uc5d0\uc11c \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/div>\n          <\/details>\n\n          <details>\n            <summary>\uc6d0\uae08\uade0\ub4f1\uc0c1\ud658\uc774 \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658\ubcf4\ub2e4 \uc720\ub9ac\ud55c\uac00\uc694?<\/summary>\n            <div class=\"ans\">\ucd1d \uc774\uc790 \uce21\uba74\uc5d0\uc11c\ub294 \uc6d0\uae08\uade0\ub4f1\uc0c1\ud658\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4. \ucd08\uae30\uc5d0 \ub354 \ub9ce\uc740 \uc6d0\uae08\uc744 \uc0c1\ud658\ud558\uae30 \ub54c\ubb38\uc5d0 \ub0a8\uc740 \uc6d0\uae08\uc774 \ube68\ub9ac \uc904\uc5b4 \uc774\uc790 \ubd80\ub2f4\uc774 \ub0ae\uc544\uc9d1\ub2c8\ub2e4. \ub2e8, \ucd08\uae30 \ub0a9\uc785\uae08\uc774 \ub192\uc73c\ubbc0\ub85c \uc18c\ub4dd\uc774 \ucda9\ubd84\ud55c \uacbd\uc6b0 \uc801\ud569\ud569\ub2c8\ub2e4. \ucd08\uae30 \ud604\uae08 \uc5ec\uc720\uac00 \ubd80\uc871\ud558\ub2e4\uba74 \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658\uc774 \uc548\uc815\uc801\uc778 \uc120\ud0dd\uc785\ub2c8\ub2e4.<\/div>\n          <\/details>\n\n          <details>\n            <summary>\uc2e4\uc81c \ub300\ucd9c \uae08\uc561\uacfc \uacc4\uc0b0 \uacb0\uacfc\uac00 \uc65c \ub2e4\ub97c \uc218 \uc788\ub098\uc694?<\/summary>\n            <div class=\"ans\">\uc2e4\uc81c \uae08\uc735\uc0ac \uc0c1\ud488\uc5d0\ub294 \uc6b0\ub300\uae08\ub9ac, \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc, \uac70\uce58\uae30\uac04(\uc774\uc790\ub9cc \ub0a9\uc785\ud558\ub294 \uae30\uac04), \ucde8\uae09 \uc218\uc218\ub8cc, \uc2e4\ud589\uc77c \uc774\uc790 \uacc4\uc0b0 \ubc29\uc2dd \ub4f1\uc774 \ubc18\uc601\ub429\ub2c8\ub2e4. \uc774 \uacc4\uc0b0\uae30\ub294 \uc21c\uc218 \uc6d0\ub9ac\uae08 \uae30\uc900\uc758 \uc608\uc0c1\uce58\ub97c \uc81c\uacf5\ud558\uba70, \ucd5c\uc885 \uc870\uac74\uc740 \ubc18\ub4dc\uc2dc \uae08\uc735\uc0ac\uc5d0\uc11c \ud655\uc778\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/div>\n          <\/details>\n\n          <details>\n            <summary>\uc911\ub3c4\uc0c1\ud658\uc744 \ud558\uba74 \uc5bc\ub9c8\ub098 \uc774\uc790\ub97c \uc544\ub084 \uc218 \uc788\ub098\uc694?<\/summary>\n            <div class=\"ans\">\uc6d4\ubcc4 \uc0c1\ud658 \uc2a4\ucf00\uc904\uc5d0\uc11c \ud2b9\uc815 \ud68c\ucc28\uc758 \uc794\uc5ec \uc6d0\uae08\uc744 \ud655\uc778\ud55c \ub4a4, \ud574\ub2f9 \uc794\uc5ec \uc6d0\uae08\uc744 \uc0c8\ub85c\uc6b4 \ub300\ucd9c \uae08\uc561\uc73c\ub85c \uc785\ub825\ud558\uace0 \ub0a8\uc740 \uae30\uac04\uc73c\ub85c \uacc4\uc0b0\ud558\uba74 \uc774\uc790 \uc808\uc57d \ud6a8\uacfc\ub97c \ucd94\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc2e4\uc81c \uc0c1\ud488\uc758 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uc870\uac74(\ubcf4\ud1b5 \ub300\ucd9c \ud6c4 3\ub144 \uc774\ub0b4 0.5~1.5%)\ub3c4 \ud568\uaed8 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/div>\n          <\/details>\n\n          <details>\n            <summary>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uacfc \uc2e0\uc6a9\ub300\ucd9c, \uc5b4\ub5a4 \uae30\uc900\uc73c\ub85c \uae30\uac04\uc744 \uc124\uc815\ud574\uc57c \ud558\ub098\uc694?<\/summary>\n            <div class=\"ans\">\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 \ucd5c\uc7a5 30~40\ub144\uae4c\uc9c0 \uc124\uc815 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc6d4 \ub0a9\uc785\uae08\uc744 \uc18c\ub4dd\uc758 30~40% \uc774\ub0b4\ub85c \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc778 \uad8c\uace0\uc785\ub2c8\ub2e4. \uc2e0\uc6a9\ub300\ucd9c\uc740 \ubcf4\ud1b5 1~7\ub144 \uc774\ub0b4\ub85c \uc124\uc815\ud558\uba70, \uae08\ub9ac\uac00 \ub192\uc744\uc218\ub85d \uae30\uac04\uc774 \uae38\uc5b4\uc9c8 \ub54c \ucd1d \uc774\uc790 \ubd80\ub2f4\uc774 \uae09\uaca9\ud788 \ub298\uc5b4\ub098\ubbc0\ub85c \uac00\ub2a5\ud558\uba74 \uc9e7\uac8c \uc124\uc815\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/div>\n          <\/details>\n        <\/section>\n\n        <!-- \ub2e4\ub978 \uacc4\uc0b0\uae30 -->\n        <section class=\"lc-card\" aria-label=\"\ub2e4\ub978 \uae08\uc735 \uacc4\uc0b0\uae30\">\n          <h2 style=\"font-size:22px;font-weight:900;letter-spacing:-.04em;margin-bottom:14px;\">\ub2e4\ub978 \uae08\uc735 \uacc4\uc0b0\uae30<\/h2>\n          <div class=\"lc-bottom-grid\">\n            <a href=\"\/finance\/interest-calculator\/\">\ud83d\udcb5 \uc774\uc790 \uacc4\uc0b0\uae30<\/a>\n            <a href=\"\/finance\/compound-interest-calculator\/\">\ud83d\udcc8 \ubcf5\ub9ac \uacc4\uc0b0\uae30<\/a>\n            <a href=\"\/finance\/savings-calculator\/\">\ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30<\/a>\n            <a href=\"\/finance\/investment-return-calculator\/\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775<\/a>\n            <a href=\"\/finance\/pension-calculator\/\">\ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30<\/a>\n            <a href=\"\/finance\/card-installment-calculator\/\">\ud83d\udcb3 \uce74\ub4dc \ud560\ubd80<\/a>\n          <\/div>\n        <\/section>\n\n      <\/main><!-- \/lc-main -->\n\n      <!-- \uc0ac\uc774\ub4dc\ubc14 -->\n      <aside class=\"lc-side\" aria-label=\"\uc0ac\uc774\ub4dc \uba54\ub274\">\n        <div class=\"sticky\">\n\n          <!-- \uae08\ub9ac \ucc38\uace0 \uc815\ubcf4 -->\n          <div class=\"lc-side-box\">\n            <div class=\"lc-side-head\">\ud83d\udccc \uae08\ub9ac \ucc38\uace0 (2025\ub144 \uae30\uc900)<\/div>\n            <div class=\"lc-rate-box\">\n              <div class=\"lc-rate-item\"><span class=\"lc-rate-name\">\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c (\ubcc0\ub3d9)<\/span><span class=\"lc-rate-val\">3.8~5.5%<\/span><\/div>\n              <div class=\"lc-rate-item\"><span class=\"lc-rate-name\">\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c (\uace0\uc815)<\/span><span class=\"lc-rate-val\">3.9~5.8%<\/span><\/div>\n              <div class=\"lc-rate-item\"><span class=\"lc-rate-name\">\uc804\uc138\ub300\ucd9c<\/span><span class=\"lc-rate-val\">3.5~5.0%<\/span><\/div>\n              <div class=\"lc-rate-item\"><span class=\"lc-rate-name\">\uc2e0\uc6a9\ub300\ucd9c (1\ub4f1\uae09)<\/span><span class=\"lc-rate-val\">4.0~7.0%<\/span><\/div>\n              <div class=\"lc-rate-item\"><span class=\"lc-rate-name\">\uc2e0\uc6a9\ub300\ucd9c (\ud3c9\uade0)<\/span><span class=\"lc-rate-val\">6.0~12.0%<\/span><\/div>\n              <p class=\"lc-rate-note\">\u203b \ucc38\uace0\uc6a9 \uc218\uce58\uc774\uba70 \uae08\uc735\uc0ac\u00b7\uc2e0\uc6a9\ub4f1\uae09\uc5d0 \ub530\ub77c \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n            <\/div>\n          <\/div>\n\n          <!-- \uc0ac\uc774\ub4dc \uad11\uace0 300x250 -->\n          <div class=\"lc-side-box\">\n            <div class=\"lc-side-head\">\uad11\uace0<\/div>\n            <div style=\"padding:8px;text-align:center;\">\n              <ins class=\"adsbygoogle\"\n                   style=\"display:inline-block;width:284px;height:250px\"\n                   data-ad-client=\"ca-pub-9333078688270478\"\n                   data-ad-slot=\"9260530731\"><\/ins>\n            <\/div>\n          <\/div>\n\n          <!-- \ub9c1\ud06c \uba54\ub274 -->\n          <div class=\"lc-side-box\">\n            <div class=\"lc-side-head\">\uae08\uc735 \uacc4\uc0b0\uae30 \ubaa9\ub85d<\/div>\n            <div class=\"lc-side-links\">\n              <a href=\"\/finance\/loan-calculator\/\" class=\"current\">\ud83d\udcca \ub300\ucd9c \uacc4\uc0b0\uae30<span class=\"stag\">\ud604\uc7ac<\/span><\/a>\n              <a href=\"\/finance\/interest-calculator\/\">\ud83d\udcb5 \uc774\uc790 \uacc4\uc0b0\uae30<\/a>\n              <a href=\"\/finance\/compound-interest-calculator\/\">\ud83d\udcc8 \ubcf5\ub9ac \uacc4\uc0b0\uae30<\/a>\n              <a href=\"\/finance\/savings-calculator\/\">\ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30<\/a>\n              <a href=\"\/finance\/investment-return-calculator\/\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30<\/a>\n              <a href=\"\/finance\/pension-calculator\/\">\ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30<\/a>\n              <a href=\"\/finance\/card-installment-calculator\/\">\ud83d\udcb3 \uce74\ub4dc \ud560\ubd80 \uacc4\uc0b0\uae30<\/a>\n            <\/div>\n          <\/div>\n\n          <!-- \uc0ac\uc774\ub4dc \uad11\uace0 300x600 -->\n          <div class=\"lc-side-box\">\n            <div class=\"lc-side-head\">\uad11\uace0<\/div>\n            <div style=\"padding:8px;text-align:center;\">\n              <ins class=\"adsbygoogle\"\n                   style=\"display:inline-block;width:284px;height:600px\"\n                   data-ad-client=\"ca-pub-9333078688270478\"\n                   data-ad-slot=\"7387846757\"><\/ins>\n            <\/div>\n          <\/div>\n\n        <\/div>\n      <\/aside>\n\n    <\/div><!-- \/lc-layout -->\n  <\/div><!-- \/lc-con -->\n<\/div><!-- \/lc-wrap -->\n\n<!-- ===================== JAVASCRIPT ===================== -->\n<script>\n(function(){\n  'use strict';\n\n  \/* \u2500\u2500 \uc720\ud2f8 \u2500\u2500 *\/\n  function parseNum(v){ return parseFloat(String(v).replace(\/[^0-9.]\/g,'')) || 0; }\n  function fmtWon(n){ return Math.round(n).toLocaleString('ko-KR') + '\uc6d0'; }\n  function fmtKor(n){\n    n = Math.round(n);\n    if(n >= 100000000){ var e=Math.floor(n\/100000000), m=Math.floor((n%100000000)\/10000); return m>0?e+'\uc5b5 '+m.toLocaleString('ko-KR')+'\ub9cc\uc6d0':e+'\uc5b5\uc6d0'; }\n    if(n >= 10000){ return Math.floor(n\/10000).toLocaleString('ko-KR')+'\ub9cc\uc6d0'; }\n    return n.toLocaleString('ko-KR')+'\uc6d0';\n  }\n  function fmtPct(n){ return n.toFixed(1)+'%'; }\n\n  \/* \u2500\u2500 \uc2ac\ub77c\uc774\ub354 \uadf8\ub77c\ub514\uc5b8\ud2b8 \uc5c5\ub370\uc774\ud2b8 \u2500\u2500 *\/\n  function updateRangeGradient(el){\n    var min=parseFloat(el.min)||0, max=parseFloat(el.max)||100, val=parseFloat(el.value)||0;\n    var pct = ((val-min)\/(max-min)*100).toFixed(1);\n    el.style.setProperty('--val', pct+'%');\n  }\n\n  \/* \u2500\u2500 \uc785\ub825 \uc694\uc18c \u2500\u2500 *\/\n  var amountEl    = document.getElementById('lcAmount');\n  var amountRange = document.getElementById('lcAmountRange');\n  var rateEl      = document.getElementById('lcRate');\n  var rateRange   = document.getElementById('lcRateRange');\n  var yearsEl     = document.getElementById('lcYears');\n  var yearsRange  = document.getElementById('lcYearsRange');\n\n  var amountLive = document.getElementById('amountLive');\n  var rateLive   = document.getElementById('rateLive');\n  var yearsLive  = document.getElementById('yearsLive');\n\n  \/* \u2500\u2500 \ud604\uc7ac \uc0c1\ud658 \ubc29\uc2dd \u2500\u2500 *\/\n  var repayType = 'equal'; \/\/ 'equal' | 'principal'\n\n  window.setType = function(t){\n    repayType = t;\n    document.getElementById('typeEqual').classList.toggle('active', t==='equal');\n    document.getElementById('typePrincipal').classList.toggle('active', t==='principal');\n  };\n\n  \/* \u2500\u2500 \uae08\uc561 sync \u2500\u2500\n     AMOUNT_MIN : \uc2ac\ub77c\uc774\ub354 min(1,000,000)\uacfc \ub3d9\uc77c\ud558\uac8c \uc720\uc9c0\n     input  \uc774\ubca4\ud2b8: \uc785\ub825 \ud544\ub4dc\ub294 \uc790\uc720 \uc785\ub825 \ud5c8\uc6a9, \ub77c\uc774\ube0c \ub77c\ubca8\u00b7\uc2ac\ub77c\uc774\ub354\ub9cc \uac31\uc2e0\n                   \uc2ac\ub77c\uc774\ub354\ub294 range min(100\ub9cc) \uc774\ud558\ub85c \ub0b4\ub824\uac00\uc9c0 \uc54a\uac8c \ubcc4\ub3c4 \ubcf4\uc815\n     blur   \uc774\ubca4\ud2b8: \ucd5c\uc19f\uac12(100\ub9cc)\u00b7\ucd5c\ub313\uac12(10\uc5b5) \ud074\ub7a8\ud504 \ud6c4 \ucc9c\ub2e8\uc704 \ucf64\ub9c8 \ud3ec\ub9f7 \ud655\uc815  *\/\n\n  var AMOUNT_MIN = 10000;      \/\/ 1\ub9cc - \uc2ac\ub77c\uc774\ub354 min \uacfc \ubc18\ub4dc\uc2dc \ub3d9\uc77c\n  var AMOUNT_MAX = 1000000000; \/\/ 10\uc5b5\n\n  function updateAmountLive(){\n    var raw = parseNum(amountEl.value);\n    if(raw > 0){\n      \/\/ \ub77c\uc774\ube0c \ub77c\ubca8: \ud604\uc7ac \uc785\ub825\uac12 \uadf8\ub300\ub85c \ud45c\uc2dc (\ud074\ub7a8\ud504 \uc5c6\uc74c)\n      amountLive.textContent = fmtKor(Math.min(raw, AMOUNT_MAX));\n      \/\/ \uc2ac\ub77c\uc774\ub354: range min \uc774\ud558\ub85c \uc124\uc815\ud558\uba74 \ube0c\ub77c\uc6b0\uc800\uac00 min\uc73c\ub85c \uace0\uc815\uc2dc\ud0a4\ubbc0\ub85c \uba85\uc2dc\uc801\uc73c\ub85c \ubcf4\uc815\n      amountRange.value = Math.max(AMOUNT_MIN, Math.min(raw, AMOUNT_MAX));\n      updateRangeGradient(amountRange);\n    }\n  }\n  function finalizeAmount(){\n    \/\/ blur \uc2dc \ucd5c\uc19f\uac12 100\ub9cc \/ \ucd5c\ub313\uac12 10\uc5b5\uc73c\ub85c \ud655\uc815\n    var v = Math.max(AMOUNT_MIN, Math.min(AMOUNT_MAX, parseNum(amountEl.value)));\n    amountRange.value = v;\n    amountEl.value = Math.round(v).toLocaleString('ko-KR');\n    amountLive.textContent = fmtKor(v);\n    updateRangeGradient(amountRange);\n  }\n  function syncAmountFromRange(){\n    var v = parseNum(amountRange.value);\n    amountEl.value = Math.round(v).toLocaleString('ko-KR');\n    amountLive.textContent = fmtKor(v);\n    updateRangeGradient(amountRange);\n  }\n\n  function updateRateLive(){\n    var raw = parseNum(rateEl.value);\n    if(raw > 0){\n      var clamped = Math.min(raw, 25);\n      rateRange.value = clamped;\n      rateLive.textContent = clamped.toFixed(1)+'%';\n      updateRangeGradient(rateRange);\n    }\n  }\n  function finalizeRate(){\n    var v = Math.max(0.1, Math.min(25, parseNum(rateEl.value)));\n    rateRange.value = v; rateEl.value = v.toFixed(1);\n    rateLive.textContent = v.toFixed(1)+'%';\n    updateRangeGradient(rateRange);\n  }\n  function syncRateFromRange(){\n    var v = parseNum(rateRange.value);\n    rateEl.value = v.toFixed(1);\n    rateLive.textContent = v.toFixed(1)+'%';\n    updateRangeGradient(rateRange);\n  }\n\n  function updateYearsLive(){\n    var raw = Math.round(parseNum(yearsEl.value));\n    if(raw > 0){\n      var clamped = Math.min(raw, 50);\n      yearsRange.value = clamped;\n      yearsLive.textContent = clamped+'\ub144';\n      updateRangeGradient(yearsRange);\n    }\n  }\n  function finalizeYears(){\n    var v = Math.max(1, Math.min(50, Math.round(parseNum(yearsEl.value))));\n    yearsRange.value = v; yearsEl.value = v;\n    yearsLive.textContent = v+'\ub144';\n    updateRangeGradient(yearsRange);\n  }\n  function syncYearsFromRange(){\n    var v = Math.round(parseNum(yearsRange.value));\n    yearsEl.value = v;\n    yearsLive.textContent = v+'\ub144';\n    updateRangeGradient(yearsRange);\n  }\n\n  \/* \ud3ec\ucee4\uc2a4 \uc2dc \ucf64\ub9c8 \uc81c\uac70 \u2192 \uc22b\uc790\ub9cc \ub0a8\uaca8 \ucee4\uc11c \uc704\uce58 \uc790\uc720\ub86d\uac8c *\/\n  amountEl.addEventListener('focus', function(){ this.value = parseNum(this.value) || ''; });\n  amountEl.addEventListener('input', updateAmountLive);\n  amountEl.addEventListener('blur',  finalizeAmount);\n  amountRange.addEventListener('input', syncAmountFromRange);\n\n  rateEl.addEventListener('focus', function(){ this.value = parseNum(this.value) || ''; });\n  rateEl.addEventListener('input', updateRateLive);\n  rateEl.addEventListener('blur',  finalizeRate);\n  rateRange.addEventListener('input', syncRateFromRange);\n\n  yearsEl.addEventListener('focus', function(){ this.value = parseNum(this.value) || ''; });\n  yearsEl.addEventListener('input', updateYearsLive);\n  yearsEl.addEventListener('blur',  finalizeYears);\n  yearsRange.addEventListener('input', syncYearsFromRange);\n\n  \/* \ucd08\uae30\uac12 \uc138\ud305 *\/\n  finalizeAmount(); finalizeRate(); finalizeYears();\n\n  \/* \u2500\u2500 \uc2a4\ucf00\uc904 \uc804\uccb4 \ub370\uc774\ud130 \uc800\uc7a5 \u2500\u2500 *\/\n  var scheduleData = [];\n  var filterMode = 'all';\n\n  \/* \u2500\u2500 \ud575\uc2ec \uacc4\uc0b0 \ub85c\uc9c1 \u2500\u2500 *\/\n  function calcMonthlyEqual(principal, monthlyRate, months){\n    return principal * monthlyRate \/ (1 - Math.pow(1+monthlyRate,-months));\n  }\n\n  window.calcLoan = function(){\n    \/* \uacc4\uc0b0 \uc804 blur \ucc98\ub9ac: \ud3ec\ucee4\uc2a4\uac00 \ub0a8\uc544\uc788\uc744 \uacbd\uc6b0 \ucf64\ub9c8\u00b7\ud074\ub7a8\ud504 \ubbf8\ucc98\ub9ac \uc0c1\ud0dc\uc77c \uc218 \uc788\uc73c\ubbc0\ub85c \uba85\uc2dc\uc801\uc73c\ub85c \ud655\uc815 *\/\n    finalizeAmount(); finalizeRate(); finalizeYears();\n\n    var principal   = parseNum(amountEl.value);\n    var annualRate  = parseNum(rateEl.value);\n    var years       = Math.round(parseNum(yearsEl.value));\n    var months      = years * 12;\n    var monthlyRate = annualRate \/ 100 \/ 12;\n\n    if(principal < AMOUNT_MIN){\n      alert('\ub300\ucd9c \uae08\uc561\uc740 \ucd5c\uc18c 100\ub9cc \uc6d0 \uc774\uc0c1\uc774\uc5b4\uc57c \ud569\ub2c8\ub2e4.'); return;\n    }\n    if(principal<=0 || annualRate<=0 || months<=0){\n      alert('\ub300\ucd9c \uae08\uc561, \uc774\uc790\uc728, \uc0c1\ud658 \uae30\uac04\uc744 \uc62c\ubc14\ub974\uac8c \uc785\ub825\ud574\uc8fc\uc138\uc694.'); return;\n    }\n\n    scheduleData = [];\n    var totalPayment = 0, totalInterest = 0;\n\n    \/* \uc6d0\ub9ac\uae08\uade0\ub4f1 *\/\n    if(repayType === 'equal'){\n      var monthly = calcMonthlyEqual(principal, monthlyRate, months);\n      var balance = principal;\n      for(var i=1; i<=months; i++){\n        var interest  = balance * monthlyRate;\n        var paidP     = monthly - interest;\n        balance      -= paidP;\n        if(balance < 0.01) balance = 0;\n        totalPayment += monthly;\n        totalInterest += interest;\n        scheduleData.push({ round:i, monthly:monthly, principal:paidP, interest:interest, balance:balance });\n      }\n      \/* \uacb0\uacfc \ud45c\uc2dc *\/\n      document.getElementById('lcResultHeroLabel').textContent = '\uc6d4 \ub0a9\uc785\uae08 (\uc6d0\ub9ac\uae08\uade0\ub4f1)';\n      document.getElementById('lcMonthly').textContent = fmtWon(monthly);\n      document.getElementById('lcResultHeroSub').textContent = years+'\ub144 '+months+'\uac1c\uc6d4 \u00b7 '+annualRate.toFixed(1)+'% \uace0\uc815';\n    }\n    \/* \uc6d0\uae08\uade0\ub4f1 *\/\n    else {\n      var paidPFixed = principal \/ months;\n      var balance2   = principal;\n      var firstMonthly = 0;\n      for(var j=1; j<=months; j++){\n        var interest2   = balance2 * monthlyRate;\n        var monthly2    = paidPFixed + interest2;\n        balance2       -= paidPFixed;\n        if(balance2 < 0.01) balance2 = 0;\n        totalPayment  += monthly2;\n        totalInterest += interest2;\n        scheduleData.push({ round:j, monthly:monthly2, principal:paidPFixed, interest:interest2, balance:balance2 });\n        if(j===1) firstMonthly = monthly2;\n      }\n      var lastMonthly = scheduleData[scheduleData.length-1].monthly;\n      document.getElementById('lcResultHeroLabel').textContent = '\uccab \ub2ec \ub0a9\uc785\uae08 (\uc6d0\uae08\uade0\ub4f1)';\n      document.getElementById('lcMonthly').textContent = fmtWon(firstMonthly);\n      document.getElementById('lcResultHeroSub').textContent = '\ub9c8\uc9c0\ub9c9 \ub2ec: '+fmtWon(lastMonthly)+' \u00b7 '+years+'\ub144';\n    }\n\n    var iRatio = (totalInterest \/ totalPayment) * 100;\n    var pRatio = (principal \/ totalPayment) * 100;\n    var iMultiple = (totalInterest \/ principal * 100).toFixed(1);\n\n    \/* \uacb0\uacfc DOM \uc5c5\ub370\uc774\ud2b8 *\/\n    document.getElementById('lcTotal').textContent         = fmtWon(totalPayment);\n    document.getElementById('lcTotalInterest').textContent = fmtWon(totalInterest);\n    document.getElementById('lcPrincipal').textContent     = fmtWon(principal);\n    document.getElementById('lcInterestRatio').textContent = fmtPct(iRatio);\n    document.getElementById('lcInterestMultiple').textContent = '\uc6d0\uae08\uc758 '+iMultiple+'%';\n    document.getElementById('lcBarP').style.width          = pRatio.toFixed(1)+'%';\n    document.getElementById('lcPPercent').textContent      = fmtPct(pRatio);\n    document.getElementById('lcIPercent').textContent      = fmtPct(iRatio);\n\n    \/* \ud50c\ub808\uc774\uc2a4\ud640\ub354 \u2192 \uacb0\uacfc *\/\n    document.getElementById('lcPlaceholder').style.display = 'none';\n    var r = document.getElementById('lcResult');\n    r.classList.remove('show');\n    void r.offsetWidth;\n    r.classList.add('show');\n\n    \/* \uc2dc\ub098\ub9ac\uc624 \ube44\uad50 *\/\n    renderScenarios(principal, annualRate, years);\n\n    \/* \uc2a4\ucf00\uc904 \ub80c\ub354\ub9c1 *\/\n    renderSchedule(filterMode);\n\n    \/* \uad11\uace0 \ucd08\uae30\ud654 *\/\n    try{ (adsbygoogle=window.adsbygoogle||[]).push({}); }catch(e){}\n  };\n\n  \/* \u2500\u2500 \uc2dc\ub098\ub9ac\uc624 \ube44\uad50 \u2500\u2500 *\/\n  function renderScenarios(principal, annualRate, selectedYears){\n    var scenarios = [10, 20, 30].map(function(y){\n      if(y > 50) return null;\n      var m = y*12, r = annualRate\/100\/12;\n      var mp = calcMonthlyEqual(principal, r, m);\n      var ti = mp*m - principal;\n      return { y:y, mp:mp, ti:ti };\n    }).filter(Boolean);\n\n    var html = '';\n    scenarios.forEach(function(s){\n      var active = s.y === selectedYears ? 'active-sc' : '';\n      html += '<div class=\"lc-scenario-card '+active+'\" onclick=\"applyScenario('+s.y+')\">'\n            + '<div class=\"sc-year\">'+s.y+'\ub144<\/div>'\n            + '<div class=\"sc-monthly\">'+fmtWon(s.mp)+'\/\uc6d4<\/div>'\n            + '<div class=\"sc-interest\">\uc774\uc790 '+fmtKor(s.ti)+'<\/div>'\n            + '<\/div>';\n    });\n    document.getElementById('lcScenarios').innerHTML = html;\n  }\n\n  window.applyScenario = function(y){\n    yearsEl.value = y;\n    syncYearsFromInput();\n    calcLoan();\n    window.scrollTo({ top: document.getElementById('lcAmount').getBoundingClientRect().top + window.scrollY - 80, behavior: 'smooth' });\n  };\n\n  \/* \u2500\u2500 \uc2a4\ucf00\uc904 \ub80c\ub354\ub9c1 \u2500\u2500 *\/\n  function renderSchedule(mode){\n    if(!scheduleData.length) return;\n    var data = scheduleData;\n    var showYearly = false;\n\n    if(mode === 'yearly'){\n      showYearly = true;\n      \/* \uc5f0\uac04 \uc694\uc57d *\/\n      var yearlyMap = {};\n      data.forEach(function(d){\n        var yr = Math.ceil(d.round\/12);\n        if(!yearlyMap[yr]) yearlyMap[yr] = { year:yr, monthly:d.monthly, totalMonthly:0, totalPrincipal:0, totalInterest:0, balance:0 };\n        yearlyMap[yr].totalMonthly   += d.monthly;\n        yearlyMap[yr].totalPrincipal += d.principal;\n        yearlyMap[yr].totalInterest  += d.interest;\n        yearlyMap[yr].balance         = d.balance;\n      });\n      data = Object.values(yearlyMap);\n    } else if(mode === 'first'){\n      data = scheduleData.slice(0, 12);\n    } else if(mode === 'last'){\n      data = scheduleData.slice(-12);\n    }\n\n    var totalMonthlySum = 0, totalPrincipalSum = 0, totalInterestSum = 0;\n    scheduleData.forEach(function(d){ totalMonthlySum+=d.monthly; totalPrincipalSum+=d.principal; totalInterestSum+=d.interest; });\n\n    var rows = '';\n    data.forEach(function(d){\n      if(showYearly){\n        rows += '<tr>'\n              + '<td>'+d.year+'\ub144\ucc28<\/td>'\n              + '<td class=\"td-monthly\">'+fmtWon(d.totalMonthly)+'<\/td>'\n              + '<td>'+fmtWon(d.totalPrincipal)+'<\/td>'\n              + '<td>'+fmtWon(d.totalInterest)+'<\/td>'\n              + '<td>'+fmtWon(d.balance)+'<\/td>'\n              + '<\/tr>';\n      } else {\n        rows += '<tr>'\n              + '<td>'+d.round+'\ud68c\ucc28<\/td>'\n              + '<td class=\"td-monthly\">'+fmtWon(d.monthly)+'<\/td>'\n              + '<td>'+fmtWon(d.principal)+'<\/td>'\n              + '<td>'+fmtWon(d.interest)+'<\/td>'\n              + '<td>'+fmtWon(d.balance)+'<\/td>'\n              + '<\/tr>';\n      }\n    });\n\n    document.getElementById('lcScheduleBody').innerHTML = rows;\n    document.getElementById('lcScheduleFoot').innerHTML =\n      '<tr><td>\ud569\uacc4<\/td><td>'+fmtWon(totalMonthlySum)+'<\/td><td>'+fmtWon(totalPrincipalSum)+'<\/td><td>'+fmtWon(totalInterestSum)+'<\/td><td>\u2014<\/td><\/tr>';\n  }\n\n  window.filterSchedule = function(mode, btn){\n    filterMode = mode;\n    document.querySelectorAll('.lc-filter-btn').forEach(function(b){ b.classList.remove('active-f'); });\n    btn.classList.add('active-f');\n    renderSchedule(mode);\n  };\n\n  \/* \u2500\u2500 \uc2a4\ucf00\uc904 \ud1a0\uae00 \u2500\u2500 *\/\n  window.toggleSchedule = function(){\n    var box   = document.getElementById('lcSchedule');\n    var arrow = document.getElementById('scheduleArrow');\n    var btn   = document.getElementById('scheduleToggle');\n    var open  = box.classList.toggle('open');\n    arrow.textContent = open ? '\u25b2' : '\u25bc';\n    btn.setAttribute('aria-expanded', open);\n    if(open && !scheduleData.length){\n      calcLoan();\n    }\n  };\n\n  \/* \u2500\u2500 CSV \ub2e4\uc6b4\ub85c\ub4dc \u2500\u2500 *\/\n  window.downloadCSV = function(){\n    if(!scheduleData.length){ alert('\uba3c\uc800 \uacc4\uc0b0\ud558\uae30\ub97c \ub20c\ub7ec\uc8fc\uc138\uc694.'); return; }\n    var rows = [['\ud68c\ucc28','\uc6d4\ub0a9\uc785\uae08(\uc6d0)','\uc6d0\uae08\uc0c1\ud658(\uc6d0)','\uc774\uc790(\uc6d0)','\uc794\uc5ec\uc6d0\uae08(\uc6d0)']];\n    scheduleData.forEach(function(d){\n      rows.push([d.round, Math.round(d.monthly), Math.round(d.principal), Math.round(d.interest), Math.round(d.balance)]);\n    });\n    var csv = rows.map(function(r){ return r.join(','); }).join('\\n');\n    var bom = '\\uFEFF';\n    var blob = new Blob([bom+csv], {type:'text\/csv;charset=utf-8;'});\n    var url  = URL.createObjectURL(blob);\n    var a    = document.createElement('a');\n    a.href = url; a.download = '\ub300\ucd9c\uc0c1\ud658\uc2a4\ucf00\uc904.csv';\n    document.body.appendChild(a); a.click();\n    document.body.removeChild(a); URL.revokeObjectURL(url);\n  };\n\n  \/* \u2500\u2500 \ud14c\uc774\ube14 \ubcf5\uc0ac \u2500\u2500 *\/\n  window.copyTable = function(){\n    if(!scheduleData.length){ alert('\uba3c\uc800 \uacc4\uc0b0\ud558\uae30\ub97c \ub20c\ub7ec\uc8fc\uc138\uc694.'); return; }\n    var lines = ['\ud68c\ucc28\\t\uc6d4\ub0a9\uc785\uae08\\t\uc6d0\uae08\uc0c1\ud658\\t\uc774\uc790\\t\uc794\uc5ec\uc6d0\uae08'];\n    scheduleData.forEach(function(d){\n      lines.push(d.round+'\\t'+Math.round(d.monthly)+'\\t'+Math.round(d.principal)+'\\t'+Math.round(d.interest)+'\\t'+Math.round(d.balance));\n    });\n    navigator.clipboard.writeText(lines.join('\\n')).then(function(){ alert('\ud074\ub9bd\ubcf4\ub4dc\uc5d0 \ubcf5\uc0ac\ub418\uc5c8\uc2b5\ub2c8\ub2e4.'); }).catch(function(){ alert('\ubcf5\uc0ac\uc5d0 \uc2e4\ud328\ud588\uc2b5\ub2c8\ub2e4.'); });\n  };\n\n  \/* \u2500\u2500 \uad11\uace0 \ucd08\uae30\ud654 \u2500\u2500 *\/\n  document.addEventListener('DOMContentLoaded', function(){\n    try{\n      document.querySelectorAll('.adsbygoogle').forEach(function(ad){\n        if(!ad.getAttribute('data-adsbygoogle-status')){ (adsbygoogle=window.adsbygoogle||[]).push({}); }\n      });\n    }catch(e){}\n  });\n\n})();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>CalcHub \ubb34\ub8cc \uacc4\uc0b0\uae30 \ubaa8\ubc14\uc77c \ucd5c\uc801\ud654 \ud83d\udcb0 \uae08\uc735 \ud648 \ud83d\udcca \ub300\ucd9c \uacc4\uc0b0\uae30 \ud83d\udcb5 \uc774\uc790 \uacc4\uc0b0\uae30 \ud83d\udcc8 \ubcf5\ub9ac \uacc4\uc0b0\uae30 \ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30 \ud83d\udcbc \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30 \ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30 \ud83d\udcb3 \uce74\ub4dc \ud560\ubd80 \uacc4\uc0b0\uae30 \ud648 \ud648 &gt; \uacc4\uc0b0\uae30 &gt; \uae08\uc735 \uacc4\uc0b0\uae30gt; \uae08\uc735 \uacc4\uc0b0\uae30 &gt; \ub300\ucd9c \uacc4\uc0b0\uae30 \ubb34\ub8cc \u00b7 \uc989\uc2dc \uacc4\uc0b0 \u00b7 \uc2a4\ucf00\uc904 \uc81c\uacf5 \ub300\ucd9c \uacc4\uc0b0\uae30 \ub300\ucd9c \uae08\uc561, \uc5f0\uc774\uc790\uc728,&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"disable","_kad_post_title":"hide","_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":true,"_kad_post_footer":true,"_kad_post_classname":"","footnotes":""},"class_list":["post-73","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages\/73","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/comments?post=73"}],"version-history":[{"count":10,"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages\/73\/revisions"}],"predecessor-version":[{"id":196,"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages\/73\/revisions\/196"}],"wp:attachment":[{"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/media?parent=73"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}