<![CDATA[
<P><STRONG><FONT color=#000000>빌라의 가격은 천차 만별</FONT></STRONG></P>
<P> </P>
<P>빌라의 가격은 참 천차만별이죠...</P>
<P>같은 건물에서도 1층이랑 2층이랑 가격이 다르고....</P>
<P>2층이랑 3층이랑 가격이 다르고...</P>
<P>101호랑 102호랑 가격이 다르고...</P>
<P> </P>
<P>만약에 옆 건물 같으면....</P>
<P>아예... 다른 세상 이야기가 되고....</P>
<P> </P>
<P> </P>
<P><FONT color=#000000><STRONG>아파트는 비교적 단순</STRONG></FONT></P>
<P>그에 비하면.... 아파트는 비교적 단순합니다.</P>
<P> </P>
<P>내가 원하는 아파트 단지의 부동산 한 군데 들러서</P>
<P>원하는 평수(예, 25평) 가격을 알아보면...</P>
<P>쫙~ 나옵니다...</P>
<P> </P>
<P>그 중에 가장 싼거... 고르면 되죠....</P>
<P> </P>
<P>아니면, 향이나 층을 약간 고려해서...</P>
<P>조금 고민하면... 그래도 대충 답이 나오잖아요...</P>
<P> </P>
<P>같은 값이면 저층 보다는 로얄층, 동향보다는 남향... 이런식으로...</P>
<P> </P>
<P>예를 들면 이런 거죠....</P>
<P>분당 구미동 무지개마을에서 25평 아파트를 본다면....</P>
<P>무지개 주공 4단지와 12단지가 있는데....</P>
<P>일반적으로 4단지를 더 선호하더라...</P>
<P> </P>
<P>그래서... 같은 25평일 때, 4단지가 12단지보다 조금 더 비싸구요...</P>
<P> </P>
<P>자금 사정상 조금 더 싼 12단지를 보기로 했다면...</P>
<P>12단지에서 25평으로 남향, 동향, 서향이 있는데</P>
<P>당연히 가격을 보면 남향 > 동향 > 서향 이렇습니다.</P>
<P> </P>
<P>그리고 같은 남향에서 본다면 저층(4층 이하)이 상대적으로 좀 저렴하겠죠....</P>
<P> </P>
<P><FONT color=#000000>그렇게 해서 범위를 좁혀 가다 보니까....</FONT></P>
<P> </P>
<P>남향에 5층 이상으로 3건을 찾았는데....</P>
<P>2억 7천, 2억 6천800, 2억 6천750....</P>
<P>이렇다 하면.... 이제 답이 대충 나오는 겁니다....</P>
<P> </P>
<P>3건 중 가장 싼 거는.... 2억 6천750이 되는 거죠....</P>
<P>그래서 2억 6천750을 고르면 되는데....</P>
<P> </P>
<P><FONT style="BACKGROUND-COLOR: #dae8f6" color=#000000>여기서 고려할 점은....</FONT></P>
<P><FONT style="BACKGROUND-COLOR: #dae8f6" color=#000000>이 가격에서... 향후 오르겠느냐... 떨어지겠느냐....</FONT></P>
<P><FONT style="BACKGROUND-COLOR: #dae8f6" color=#000000>즉, 투자 가치가 있느냐... 하는 걸 생각해야 하는 겁니다...</FONT></P>
<P> </P>
<P> </P>
<P><FONT color=#000000>어떻게 보면... 주식 투자와도 비슷합니다.</FONT></P>
<P> </P>
<P>삼성전자 주식이 있다고 할 때....</P>
<P>그게 A는 70만원에 팔고, B는 69만원, C는 75만원을 부른다면...?</P>
<P> </P>
<P>당근... B의 69만원짜리를 사겠죠....</P>
<P> </P>
<P>여기서 고려할 점은....</P>
<P>이 가격에서... 향후 오르겠느냐... 떨어지겠느냐... 하는 거....^^</P>
<P>(아까 위에서 아파트 최종 고려할 점.... 그거죠...?^^)</P>
<P> </P>
<P> </P>
<P> </P>
<P><STRONG><FONT color=#000000>근데... 빌라는....</FONT></STRONG> 물건이 이런식으로 나옵니다.</P>
<P> </P>
<P>대지 6평 전용 12평 방 2개 거실 겸 주방 1억 3천만원</P>
<P>대지 5평 전용 10평 방 2개 거실 겸 주방 1억 2천만원</P>
<P>대지 10평 전용 18평 방 3개 화장실 2개 거실 분리형 주방 1억 9천만원.</P>
<P> </P>
<P> </P>
<P>대체... 어떤 놈이 싼 걸까요...?</P>
<P> </P>
<P>단순 가격만 봐서는.... 1억 2천짜리가 싸지만....</P>
<P>건물 면적이나 대지 지분을 봤을 때는 1억 3천짜리가 1억 2천보다 싸게 느껴지구요....</P>
<P>지분당 가격만 봤을 때는 1억 9천짜리가 젤 싸게 보이걸랑요.</P>
<P> </P>
<P> </P>
<P>이건 마치.....</P>
<P><FONT style="BACKGROUND-COLOR: #dae8f6" color=#000000>삼성전자 70만원하고 포스코 50만원 중에 뭐가 더 싼가...?</FONT></P>
<P>하고 묻는 거와 같습니다.</P>
<P> </P>
<P> </P>
<P><STRONG><FONT color=#000000>빌라도 아파트처럼 규격을 한번 정해보자.</FONT></STRONG></P>
<P> </P>
<P>빌라를 그냥 놓고 보면... 헷갈리기만 하고... 도대체가 정신이 없어집니다.</P>
<P> </P>
<P>그래서... 빌라도 아파트처럼... 좀 규격을 정해서 알아보자....</P>
<P>공식적으로 정해진 규격은 아니구요.... ㅋㅋ</P>
<P>그냥 우리 맘대로... 한번 규격을 정해놓고.... </P>
<P>그 틀안에서 한번 보자는 겁니다.</P>
<P> </P>
<P>지난번에 올린 글 기억 나시나요..?</P>
<P><STRONG><A title="[http://cafe.daum.net/home336/2HO2/108]로 이동합니다." href="http://cafe.daum.net/home336/2HO2/108" target=_blank><FONT color=#2b8400>[</FONT></A><SPAN class=b><A title="[http://cafe.daum.net/home336/2HO2/108]로 이동합니다." href="http://cafe.daum.net/home336/2HO2/108" target=_blank><FONT color=#2b8400>빌라 투자 이야기 1 - 건물 면적과 방 갯수]</FONT></A> => <A href="http://cafe.daum.net/home336/2HO2/108" target=_blank><FONT color=#0066cc>http://cafe.daum.net/home336/2HO2/108</FONT></A></SPAN></STRONG></P>
<P> </P>
<P><SPAN class=b><STRONG>그때 우리끼리 규격을 정했더랬습니다.</STRONG></SPAN></P>
<P><SPAN class=b><STRONG>그걸 응용하는 겁니다.... 이제부터...^^</STRONG></SPAN></P>
<P> </P><SPAN class=b>
<P>
<TABLE style="WIDTH: 127pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width=169 border=0>
<TBODY>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl67 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; WIDTH: 47pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: #d8d8d8" width=62 height=22><FONT color=#000000 size=2>전용면적</FONT></TD>
<TD class=xl67 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 80pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #d8d8d8" width=107><FONT color=#000000 size=2>방갯수</FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" height=22><FONT color=#000000 size=2>8 평</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000 size=2>원룸</FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" height=22><FONT color=#000000 size=2>11 평</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000 size=2>방 2개</FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" height=22><FONT color=#000000 size=2>13 평</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000 size=2>방 2개 거실</FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" height=22><FONT color=#000000 size=2>15 평</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000 size=2>방 3개</FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" height=22><FONT color=#000000 size=2>18 평</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000 size=2>방3개 화장실2개</FONT></TD></TR></TBODY></TABLE></P>
<P> </P>
<P> </P>
<P>이것 저것 다 고려하려면... 너무 정신없으니까....</P>
<P>불필요한 건 다 무시하고.... 한 두가지에 집중 하는 겁니다.</P>
<P> </P>
<P>주유소를 습격했던 유호성이 좋아하는 방식.....</P>
<P><FONT color=#000000>네... 한 놈만 패는 겁니다....</FONT></P>
<P> </P>
<P>저랑 댓바람님.. 그리고 우리 실전팀은....</P>
<P>그 한 놈으로.... 13평짜리를 주목했습니다.</P>
<P> </P>
<P> </P></SPAN>
<P><SPAN class=b><STRONG>오늘은.... 싼 물건 찾는 요령에 대해 얘기를 하고....</STRONG></SPAN></P>
<P><SPAN class=b><STRONG>구지 13평짜리를 패기로 한 이유에 대해서는...</STRONG></SPAN></P>
<P><SPAN class=b><STRONG>따로 시간을 내서 한번 더 글을 쓰도록 하겠습니다...^^</STRONG></SPAN></P>
<P> </P>
<P><SPAN class=b><STRONG>각자 취향에 따라서...</STRONG></SPAN></P>
<P><SPAN class=b><STRONG>8평만 팰 수도 있고.... 15평만 노릴 수도 있는 거구.... 18평 이상만 볼 수도 있는 겁니다...^^</STRONG></SPAN></P>
<P> </P>
<P> </P>
<P><SPAN class=b><STRONG><FONT color=#000000>누가 그 한 놈이 될 것인가...?</FONT></STRONG></SPAN></P>
<P> </P>
<P>자... 우리가 주목하는 놈들은 이렇습니다...</P>
<P> </P>
<P><FONT color=#000000>건평 : 10평 ~ 13평</FONT></P>
<P>대지 : 4평 ~ 8평 (더 적을 수도 있고, 더 클 수도 있고)</P>
<P>방 갯수 : 2개 또는 3개</P>
<P> </P>
<P>이정도 범위에서 물건을 찾는 다면....</P>
<P>그나마 좀.... 비교해 볼 수가 있습니다...</P>
<P> </P>
<P>다시 위에서 들었던 예를 볼까요....</P>
<P>대지 6평 전용 12평 방 2개 거실 겸 주방 1억 3천만원</P>
<P>대지 5평 전용 10평 방 2개 거실 겸 주방 1억 2천만원</P>
<P>대지 10평 전용 18평 방 3개 화장실 2개 거실 분리형 주방 1억 9천만원.</P>
<P> </P>
<P>일단 전용 18평짜리는 빼는 겁니다.... 대상에서 제외...</P>
<P>그럼 1억 3천짜리랑 1억 2천짜리가 남겠죠....</P>
<P> </P>
<P>둘 중에 누가 더 싼가...?</P>
<P>절대가격으로는 1억 2천 < 1억 3천</P>
<P>대지 지분으로는 1억 3천 (평당가 2,167만원) < 1억 2천 (평당가 2,400만원)</P>
<P>건평당 가격으로는 1억 3천 (평당가 1,083만원) < 1억 2천 (1,200만원)</P>
<P> </P>
<P>이렇게 해서 1억 3천짜리의 손을 들어줄 수 있다.... 하고 판단하는 거죠....</P>
<P> </P>
<P> </P>
<P>만약에 이런 물건이 있다면...?</P>
<P>대지 6평 전용 12평 1억 3천</P>
<P>대지 7평 전용 12평 1억 3천</P>
<P> </P>
<P>두 물건의 가격이 같고, 전용도 같은데.... 대지 지분이 차이가 난다면...?</P>
<P>대지 7평짜리가 상대적으로 싸다고 볼 수 있겠죠...? ^^</P>
<P> </P>
<P>이런식으로 빌라에 대해.... 정리를 해 보는 겁니다....</P>
<P> </P>
<P> </P>
<P><STRONG><FONT color=#000000>일목요연하게 표를 만들어보자.</FONT></STRONG></P>
<P> </P>
<P>자... 그런데...</P>
<P>빌라 투자하는 데 있어서...</P>
<P> </P>
<P>건평과 대지지분과 방 갯수만 고려하느냐...</P>
<P>그게 또... 그래서는 잘못된 판단을 내릴 수 있습니다...</P>
<P> </P>
<P>예를들어....</P>
<P> </P>
<P>대지 6평, 건평 12평, 1억 3천</P>
<P>대지 6평, 건평 12평, 1억 2천</P>
<P> </P>
<P>그럼 당근 1억 2천짜리죠...?</P>
<P> </P>
<P>근데... 1억 3천짜리는 신축(08년)이고... 1억 2천짜리는 15년 된 거라면....?</P>
<P>또는... 1억 3천은 전철역 5분거리... 1억 2천은 산 꼭대기.... 이러면...?</P>
<P> </P>
<P>아.... 이제 다시 헷갈리기 시작하나요...?</P>
<P> </P>
<P>이제부터는 발품입니다....</P>
<P><FONT color=#000000>부동산 투자(그중에도 빌라)는 과학이 아니고... <FONT color=#e31600><STRONG>노가다</STRONG></FONT>걸랑요....^^;;</FONT></P>
<P> </P>
<P>그 동네를 샅샅이 파고 다녀서....</P>
<P>동네 주민들의 생활 수준, 성향, 허용 한계치(?)등을</P>
<P>파악해 내야 합니다. 감을 잡아야 하구요.</P>
<P> </P>
<P>이런건 누가 가르쳐 줄 수도 없고...</P>
<P>책을 읽어서 되는 것도 아니걸랑요....</P>
<P> </P>
<P>내가 일일이 발로 뛰면서... 표를 만들어 보는 겁니다....</P>
<P> </P>
<P>예를들면... 이런식의 표를...</P>
<P>
<TABLE style="WIDTH: 368pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width=489 border=0>
<COLGROUP>
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<COL style="WIDTH: 50pt; mso-width-source: userset; mso-width-alt: 2144" width=67>
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<COL style="WIDTH: 39pt; mso-width-source: userset; mso-width-alt: 1664" width=52>
<COL style="WIDTH: 29pt; mso-width-source: userset; mso-width-alt: 1216" width=38>
<COL style="WIDTH: 44pt; mso-width-source: userset; mso-width-alt: 1888" width=59>
<COL style="WIDTH: 41pt; mso-width-source: userset; mso-width-alt: 1760" width=55>
<COL style="WIDTH: 35pt; mso-width-source: userset; mso-width-alt: 1472" span=3 width=46>
<TBODY>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl67 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; WIDTH: 29pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: #d8d8d8" width=39 height=22><FONT color=#000000>번호</FONT></TD>
<TD class=xl68 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 50pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #d8d8d8" width=67><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>가격<SPAN style="mso-spacerun: yes"> </SPAN></FONT></TD>
<TD class=xl67 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 31pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #d8d8d8" width=41><FONT color=#000000>건평</FONT></TD>
<TD class=xl68 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 39pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #d8d8d8" width=52><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>평당가<SPAN style="mso-spacerun: yes"> </SPAN></FONT></TD>
<TD class=xl67 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 29pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #d8d8d8" width=38><FONT color=#000000>지분</FONT></TD>
<TD class=xl68 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 44pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #d8d8d8" width=59><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>평당가<SPAN style="mso-spacerun: yes"> </SPAN></FONT></TD>
<TD class=xl67 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 41pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #d8d8d8" width=55><FONT color=#000000>년식</FONT></TD>
<TD class=xl67 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 35pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #d8d8d8" width=46><FONT color=#000000>역세권</FONT></TD>
<TD class=xl67 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 35pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #d8d8d8" width=46><FONT color=#000000>정상</FONT></TD>
<TD class=xl67 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 35pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #d8d8d8" width=46><FONT color=#000000>주차</FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>1</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>13,000 </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" align=right><FONT color=#000000>12</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>1,083 </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" align=right><FONT color=#000000>6</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>2,167 </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" align=right><FONT color=#000000>2002</FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000>O</FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000>O</FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000>O</FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>2</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>12,000 </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" align=right><FONT color=#000000>10</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>1,200 </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" align=right><FONT color=#000000>6</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>2,000 </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" align=right><FONT color=#000000>1995</FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000>X</FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000>O</FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000>X</FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>3</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>13,000 </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" align=right><FONT color=#000000>11</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>1,182 </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" align=right><FONT color=#000000>6</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000><SPAN style="mso-spacerun: yes"> </SPAN>2,167 </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" align=right><FONT color=#000000>2008</FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000>X</FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000>X</FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000>O</FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>4</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>5</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>6</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>7</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>8</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>9</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>10</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>11</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD></TR>
<TR style="HEIGHT: 16.5pt" height=22>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" align=right height=22><FONT color=#000000>12</FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl66 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD>
<TD class=xl65 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"><FONT color=#000000> </FONT></TD></TR></TBODY></TABLE></P>
<P> </P>
<P>나름대로 표를 만들어서....</P>
<P>나름대로 가중치를 줘서... 점수를 매기는 거죠....</P>
<P> </P>
<P>동네별로.... 어디는 건평에 우선 순위를 둘 수도 있고...</P>
<P>어디는 지분에 우선 순위를 둘 수도 있고...</P>
<P> </P>
<P> </P>
<P><STRONG><FONT color=#000000>한 동네를 정해서 싹~~ 훑어보자.</FONT></STRONG></P>
<P> </P>
<P>이것도 역시 한 놈만 패자는 겁니다.</P>
<P>서울 시내 여기 저기 돌아다녀봐야...</P>
<P>역시 헷갈려버립니다...</P>
<P> </P>
<P>한 동네에서 물건을 쫙 뽑아내야...</P>
<P>비교할 수 있걸랑요....</P>
<P> </P>
<P>우리가 스터디나 정기모임 할 때...</P>
<P>제가 항상 강조했던... 앞마당 이야기 입니다...^^</P>
<P> </P>
<P>한 동네 정해서.....</P>
<P>서울 전역을 다~~~ 볼 수는 없구요....^^;;</P>
<P>내가 돌아다닐 수 있는 동네를 정하는 겁니다.</P>
<P> </P>
<P>2번째 글 - <A title="[http://cafe.daum.net/home336/2HO2/109]로 이동합니다." href="http://cafe.daum.net/home336/2HO2/109" target=_blank><STRONG><FONT color=#2b8400>[돈의 흐름, 길목을 지켜라..??]</FONT></STRONG></A> 에서 </P>
<P>언급했던 동네 중 한군데를 정해도 좋구요...^^</P>
<P> </P>
<P>------- 본문 내용 중에--------------------------</P>
<P>빌라가 밀집해 있는 동네들 중에서....</P>
<P>서민들이 살기 적당한 동네....</P>
<P> </P>
<P>즉, 가격이 저렴(2억 이하)하고 </P>
<P>교통이 편리(전철 노선, 버스 노선)한 동네로는....</P>
<P> </P>
<P>관악구 신림, 봉천 일대...</P>
<P>강서구 화곡, 양천구 신월</P>
<P>은평구 신사, 역촌</P>
<P>노원구 상계, 도봉구 창동</P>
<P>강북구 미아, 수유, 쌍문</P>
<P>구로, 금천 지역....</P>
<P><SPAN class=b><STRONG>-----------------------------------------</STRONG></SPAN></P>
<P><SPAN class=b><STRONG></STRONG></SPAN> </P>
<P>많죠...? 예를 들어... 화곡동을 본다... 그러면....</P>
<P> </P>
<P>실평수 10평에서 13평 정도 되는 물건을...</P>
<P>모조리 다~~~ 훑어 보는 겁니다....</P>
<P> </P>
<P>물건이 몇 개나 나올 거 같나요...?</P>
<P> </P>
<P>화곡동이 본동부터해서 8동까지 있구....</P>
<P>전철역도 까치산역, 화곡역... 2개나 끼고 있걸랑요.</P>
<P> </P>
<P>인구도 무지하게 많구요....</P>
<P>모르긴 몰라도... 100개는 나오지 않을까....^^</P>
<P> </P>
<P>위에서 만든 표를 활용해서...</P>
<P>물건 100개를 쫙~~ 정리해 놓으면....?</P>
<P> </P>
<P>그리고, 엑셀의 다양한 통계 기능을 활용해서...</P>
<P>이리 저리 소트하다보면.... 내 맘에 드는 물건이 나오는 겁니다....</P>
<P> </P>
<P>간단하게 얘기해서....</P>
<P>다른 거 다 무시하고....</P>
<P>건평 평당가 하나만 놓고.... 소트해서...</P>
<P>제일 싼거 찾으면....?? 머.. 그래도 되는 거죠....^^</P>
<P> </P>
<P> </P>
<P><STRONG><FONT color=#000000>동네 귀신이 되자.</FONT></STRONG></P>
<P> </P>
<P>한 동네를 정해서...</P>
<P>물건 100개를 뽑아낼 정도가 되면....</P>
<P>그 동네 귀신이 됩니다...^.^</P>
<P> </P>
<P>번지수만 딱 듣고도...</P>
<P>아하~~ 대충 어디쯤 있고...</P>
<P>집 모양은 어떻고... 가격 얼마 하면... 적당하겠네...</P>
<P>그냥 나오는 거죠....^^</P>
<P> </P>
<P> </P>
<P>지금까지 한 얘기....</P>
<P>결론이 뭐냐....</P>
<P> </P>
<P>결국은... 한 동네를 집중적으로 파자....</P>
<P>즉, 앞마당은 남한테 뺏기지 말자... 하는 얘기입니다.</P>
<P> </P>
<P>앞마당을 집중적으로 파다 보면...</P>
<P>뭔가 보이기 시작합니다.</P>
<P> </P>
<P>정말 싸다 싶은 거.... 눈에 보이게 되걸랑요....</P>
<P> </P>
<P>부동산 업자가.... 싸다고 해서... 싼게 아니구...</P>
<P>내가 그동안 신발 서너켤레 닳아 가면서...</P>
<P>헤집고 다녔던 동네라서....</P>
<P> </P>
<P>내가 보니까.... 내가 판단하기에...</P>
<P>정말로 싼 물건이... 보이게 됩니다...^^</P><!-- end clix_content -->
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경매 공부 자료실
빌라와 아파트 보는 눈이 한층 업되실거에요(펌)
한대리
추천 1
조회 2,648
10.09.01 01:37
댓글 76
다음검색
감사히 보고갑니다......
우와 쉽게 잘 설명해주셨어요^^
명쾌하십니다 ^^
감사합니다 ^^
감사합니다
감사합니다..
제가 신월동 고강동 빌라지역에 20년 살고있는데 정말 옳은 말씀 정확한 정보인것같네요
e mail주소나 전화번호라도 알고 싶어요.
감사합니다. 잘 보고 갑니다 . 님의 열정과 실행력을존경합니다.
감사합니다
우와.. 정말 보는 눈이 달라지겠는걸요.
머리에쏙쏙 잘들어오네요
지당한말씀 감사합니다
오,,,왕도움된다,,
아항~~ 그렇구나ㅋ 역시 배워야겠어요
좋은 내용의 글을 올려 주셔서 감사합니다.
좋은 내용 담아 갑니다~ ㄳㄳ
대단하십니다.
짱입니당~~
대단하시군요.. 좋은정보감사드립니다..
머리에 확 들어옵니다.~~ 감사합니다.
투잡은 힘들겠군요 ㅠ.ㅠ
이제 경매에 발을 들여서 잘은 모르겠지만 조금은 감을 잡은듯 합니다... 감사
알아듣기쉬어요, 감사합니다~~
정말 쉬우면서도 꼭 필요한 내용이네요. 좋은 정보 감사합니다.
잘보았습니다
넘 감사합니다. 중요한 정보