2021.06.04충격 국민의 힘 DSR 사태 폭로.. 50% 대출 받을 수 없는 신용불량.. 평균 1억 8천만원 강의

<p><a href="https://www.tfmedia.co.kr/news/article.html?no=105533" target="_top" class="ke-link">https://www.tfmedia.co.kr/news/article.html?no=105533</a> </p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title="윤창현 “국민 4명 중 1명은 대출 고위험군”" data-og-description="(조세금융신문=진민경 기자) 우리나라 국민 4명 중 1명은 자신의 소득으로 대출 원리금을 갚기 힘든 ‘고위험군’인 것으로 나타났다. 1일 윤창현 국민의힘 의원이 한국은행으로부터 제출받은 " data-og-host="www.tfmedia.co.kr" data-og-source-url="https://www.tfmedia.co.kr/news/article.html?no=105533" data-og-url="http://www.tfmedia.co.kr/news/article.html?no=105533" data-og-image="https://scrap.kakaocdn.net/dn/b2WPE9/hyKuvGC5Cl/IEKr7w3DnnHYMYm8TGEHqk/img.jpg?width=670&height=447&face=0_0_670_447,https://scrap.kakaocdn.net/dn/MaLlq/hyKunhxmM7/V5ZsCJcHwsMW9k1ShNN4l1/img.jpg?width=670&height=447&face=0_0_670_447,https://scrap.kakaocdn.net/dn/Uh0r2/hyKtaxmJHb/ibpLjfXlDopARWQ8kaR691/img.jpg?width=667&height=667&face=0_0_667_667"><a href="https://www.tfmedia.co.kr/news/article.html?no=105533" target="_blank" data-source-url="https://www.tfmedia.co.kr/news/article.html?no=105533"><div class="og-image" style="background-image:url(https://scrap.kakaocdn.net/dn/b2WPE9/hyKuvGC5Cl/IEKr7w3DnnHYMYm8TGEHqk/img.jpg?width=670&height=447&face=0_0_670_447,https://scrap.kakaocdn.net/dn/MaLlq/hyKunhxmM7/V5ZsCJcHwsMW9k1ShNN4l1/img.jpg?width=670&height=447&face=0_0_670_447,https://scrap.kakaocdn.net/dn/Uh0r2/hyKtaxmJHb/ibpLjfXlDopARWQ8kaR691/img.jpg?width=667&height=667&face=0_0_667_667)"></div><div class="og-text"><p class="og-title">윤창현 “국민 4명 중 1명은 대출 고위험군”</p><p class="og-desc">(조세금융신문=진민경 기자) 우리나라 국민 4명 중 1명은 자신의 소득으로 대출 원리금을 갚기 힘든 ‘고위험군’인 것으로 나타났다. 1일 윤창현 국민의힘 의원이 한국은행으로부터 제출받은 </p><p class="og-host">www.tfmedia.co.kr</p></div></a></div><p><a href="https://www.mk.co.kr/news/economy/view/2021/05/524301/" target="_blank" class="ke-link">https://www.mk.co.kr/news/economy/view/2021/05/524301/</a></p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title=""너도나도 영끌"…일촉즉발 가계부채 고위험자 평균대출 2억" data-og-description="<B>주택대출 받은 국민 절반, 신용대출도 보유 "주택대출만으론 집 못 사" 너도나도 `영끌`로 내집 마련 7월 고강도 대출규제 적용 전 미리 신용대출 받는 국민 급증" data-og-host="www.mk.co.kr" data-og-source-url="https://www.mk.co.kr/news/economy/view/2021/05/524301/" data-og-url="https://www.mk.co.kr/news/economy/view/2021/05/524301/" data-og-image="https://scrap.kakaocdn.net/dn/bRnXoq/hyKtiB8Ge8/843sOplF0VOzA1PDSGdxFK/img.jpg?width=600&height=833&face=0_0_600_833,https://scrap.kakaocdn.net/dn/bKHUoi/hyKux5xzCM/mNLdCaPcJHTGjs8F1wftRK/img.jpg?width=600&height=833&face=0_0_600_833,https://scrap.kakaocdn.net/dn/d8NBKa/hyKuo1O3BM/mb2qUAcACRHCKPGkXNGCq0/img.jpg?width=600&height=833&face=0_0_600_833"><a href="https://www.mk.co.kr/news/economy/view/2021/05/524301/" target="_blank" data-source-url="https://www.mk.co.kr/news/economy/view/2021/05/524301/"><div class="og-image" style="background-image:url(https://scrap.kakaocdn.net/dn/bRnXoq/hyKtiB8Ge8/843sOplF0VOzA1PDSGdxFK/img.jpg?width=600&height=833&face=0_0_600_833,https://scrap.kakaocdn.net/dn/bKHUoi/hyKux5xzCM/mNLdCaPcJHTGjs8F1wftRK/img.jpg?width=600&height=833&face=0_0_600_833,https://scrap.kakaocdn.net/dn/d8NBKa/hyKuo1O3BM/mb2qUAcACRHCKPGkXNGCq0/img.jpg?width=600&height=833&face=0_0_600_833)"></div><div class="og-text"><p class="og-title">"너도나도 영끌"…일촉즉발 가계부채 고위험자 평균대출 2억</p><p class="og-desc"><B>주택대출 받은 국민 절반, 신용대출도 보유 "주택대출만으론 집 못 사" 너도나도 `영끌`로 내집 마련 7월 고강도 대출규제 적용 전 미리 신용대출 받는 국민 급증</p><p class="og-host">www.mk.co.kr</p></div></a></div><p> </p><p><a href="https://www.mk.co.kr/news/economy/view/2021/05/516098/" target="_blank" class="ke-link">https://www.mk.co.kr/news/economy/view/2021/05/516098/</a></p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title="‘가계부채 터질라’ DSR 규제 7월부터 단계적으로 강화… ‘영끌’ 대출 통한 ‘빚투’에 제동, " data-og-description="앞으로 대출을 받아 주택을 구매하거나 ‘빚투(빚내서 투자)’를 하기가 어려워질 전망이다. 정부가 급증하는 가계부채 관리를 위해 주택담보대출과 신용대출 문턱을 높였기 때문이다. 그동안 " data-og-host="www.mk.co.kr" data-og-source-url="https://www.mk.co.kr/news/economy/view/2021/05/516098/" data-og-url="https://www.mk.co.kr/news/economy/view/2021/05/516098/" data-og-image="https://scrap.kakaocdn.net/dn/fqWzG/hyKta5cfCO/f538mn1Kv8jec4GKKiF9B1/img.jpg?width=560&height=374&face=0_0_560_374,https://scrap.kakaocdn.net/dn/boitSP/hyKuycjeUh/yx1IbkWEpHb9p0tIiEywx1/img.jpg?width=560&height=374&face=0_0_560_374,https://scrap.kakaocdn.net/dn/Wjf0n/hyKuAHWXZd/J51gAPKpxrXV6SQYW73qK1/img.jpg?width=560&height=374&face=0_0_560_374"><a href="https://www.mk.co.kr/news/economy/view/2021/05/516098/" target="_blank" data-source-url="https://www.mk.co.kr/news/economy/view/2021/05/516098/"><div class="og-image" style="background-image:url(https://scrap.kakaocdn.net/dn/fqWzG/hyKta5cfCO/f538mn1Kv8jec4GKKiF9B1/img.jpg?width=560&height=374&face=0_0_560_374,https://scrap.kakaocdn.net/dn/boitSP/hyKuycjeUh/yx1IbkWEpHb9p0tIiEywx1/img.jpg?width=560&height=374&face=0_0_560_374,https://scrap.kakaocdn.net/dn/Wjf0n/hyKuAHWXZd/J51gAPKpxrXV6SQYW73qK1/img.jpg?width=560&height=374&face=0_0_560_374)"></div><div class="og-text"><p class="og-title">‘가계부채 터질라’ DSR 규제 7월부터 단계적으로 강화… ‘영끌’ 대출 통한 ‘빚투’에 제동, </p><p class="og-desc">앞으로 대출을 받아 주택을 구매하거나 ‘빚투(빚내서 투자)’를 하기가 어려워질 전망이다. 정부가 급증하는 가계부채 관리를 위해 주택담보대출과 신용대출 문턱을 높였기 때문이다. 그동안 </p><p class="og-host">www.mk.co.kr</p></div></a></div><p><a href="https://www.upinews.kr/newsView/upi202106020089" target="_blank" class="ke-link">https://www.upinews.kr/newsView/upi202106020089</a></p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title=""DSR 강화 전에 빌리자"…은행 주택담보대출 급증" data-og-description="KB국민·신한·하나·우리·NH농협은행 등 5대 은행의 5월 주택담보대출 증가폭이 전월보다 크게 확대됐다. 이는 오는 7월 총부채원리금" data-og-host="www.upinews.kr" data-og-source-url="https://www.upinews.kr/newsView/upi202106020089" data-og-url="http://www.upinews.kr/newsView/upi202106020089" data-og-image="https://scrap.kakaocdn.net/dn/D8dQ9/hyKta5cfJt/lWsqY80ZsG5LD7160x8Ig0/img.jpg?width=679&height=453&face=0_0_679_453,https://scrap.kakaocdn.net/dn/cI9399/hyKuv0WCJZ/pZsSSoKZevKgeKwmPPKEVK/img.jpg?width=679&height=453&face=0_0_679_453"><a href="https://www.upinews.kr/newsView/upi202106020089" target="_blank" data-source-url="https://www.upinews.kr/newsView/upi202106020089"><div class="og-image" style="background-image:url(https://scrap.kakaocdn.net/dn/D8dQ9/hyKta5cfJt/lWsqY80ZsG5LD7160x8Ig0/img.jpg?width=679&height=453&face=0_0_679_453,https://scrap.kakaocdn.net/dn/cI9399/hyKuv0WCJZ/pZsSSoKZevKgeKwmPPKEVK/img.jpg?width=679&height=453&face=0_0_679_453)"></div><div class="og-text"><p class="og-title">"DSR 강화 전에 빌리자"…은행 주택담보대출 급증</p><p class="og-desc">KB국민·신한·하나·우리·NH농협은행 등 5대 은행의 5월 주택담보대출 증가폭이 전월보다 크게 확대됐다. 이는 오는 7월 총부채원리금</p><p class="og-host">www.upinews.kr</p></div></a></div><p><a href="https://www.sedaily.com/NewsVIew/22JT05NSWJ" target="_blank" class="ke-link">https://www.sedaily.com/NewsVIew/22JT05NSWJ</a></p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title="[단독] '땅 투기꾼' 우회로 된 상호금융…작년 '비주택 부동산대출' 30조 폭증" data-og-description="LH 일부 직원들의 광명·시흥 신도시 땅 투기 의혹이 제기된 경기도 시흥시 무지내동의 한 토지에 지난 8일 오후 산수유가 심어져 있다. /연합뉴스지난해 상호금융권에서 토지 등 비주택 부동산" data-og-host="www.sedaily.com" data-og-source-url="https://www.sedaily.com/NewsVIew/22JT05NSWJ" data-og-url="https://www.sedaily.com/NewsView/22JT05NSWJ/GB0103" data-og-image="https://scrap.kakaocdn.net/dn/tYvIh/hyKs4jBCrv/KFPHSFIdmukYyJpZElwsA0/img.jpg?width=640&height=417&face=0_0_640_417,https://scrap.kakaocdn.net/dn/FmPiw/hyKuv7IK8g/EiKtldqPRU4ln4YM7zYsV1/img.jpg?width=640&height=417&face=0_0_640_417,https://scrap.kakaocdn.net/dn/YueCw/hyKtdnjl12/OerTGnrj2SQ00IbOzyHVm1/img.jpg?width=640&height=417&face=0_0_640_417"><a href="https://www.sedaily.com/NewsVIew/22JT05NSWJ" target="_blank" data-source-url="https://www.sedaily.com/NewsVIew/22JT05NSWJ"><div class="og-image" style="background-image:url(https://scrap.kakaocdn.net/dn/tYvIh/hyKs4jBCrv/KFPHSFIdmukYyJpZElwsA0/img.jpg?width=640&height=417&face=0_0_640_417,https://scrap.kakaocdn.net/dn/FmPiw/hyKuv7IK8g/EiKtldqPRU4ln4YM7zYsV1/img.jpg?width=640&height=417&face=0_0_640_417,https://scrap.kakaocdn.net/dn/YueCw/hyKtdnjl12/OerTGnrj2SQ00IbOzyHVm1/img.jpg?width=640&height=417&face=0_0_640_417)"></div><div class="og-text"><p class="og-title">[단독] '땅 투기꾼' 우회로 된 상호금융…작년 '비주택 부동산대출' 30조 폭증</p><p class="og-desc">LH 일부 직원들의 광명·시흥 신도시 땅 투기 의혹이 제기된 경기도 시흥시 무지내동의 한 토지에 지난 8일 오후 산수유가 심어져 있다. /연합뉴스지난해 상호금융권에서 토지 등 비주택 부동산</p><p class="og-host">www.sedaily.com</p></div></a></div><p><a href="https://www.hankyung.com/economy/article/202101083611i" target="_blank" class="ke-link">https://www.hankyung.com/economy/article/202101083611i</a></p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title="금감원은 왜 윤창현 의원에 자료를 안 주려 하나 [박종서의 금융형통]" data-og-description="금감원은 왜 윤창현 의원에 자료를 안 주려 하나 [박종서의 금융형통], 박종서 기자, 경제" data-og-host="www.hankyung.com" data-og-source-url="https://www.hankyung.com/economy/article/202101083611i" data-og-url="https://www.hankyung.com/economy/article/202101083611i" data-og-image="https://scrap.kakaocdn.net/dn/b5JHKj/hyKunBPWDz/oQpiTX0NAcdg178vTUDLek/img.jpg?width=620&height=411&face=0_0_620_411,https://scrap.kakaocdn.net/dn/povlq/hyKtcIGwMI/nHKJWaohfxuV0T514t2Is1/img.jpg?width=620&height=411&face=0_0_620_411,https://scrap.kakaocdn.net/dn/blSuMU/hyKuo1O4z4/akAS4qfy9XROXPHHALVnuK/img.jpg?width=620&height=411&face=0_0_620_411"><a href="https://www.hankyung.com/economy/article/202101083611i" target="_blank" data-source-url="https://www.hankyung.com/economy/article/202101083611i"><div class="og-image" style="background-image:url(https://scrap.kakaocdn.net/dn/b5JHKj/hyKunBPWDz/oQpiTX0NAcdg178vTUDLek/img.jpg?width=620&height=411&face=0_0_620_411,https://scrap.kakaocdn.net/dn/povlq/hyKtcIGwMI/nHKJWaohfxuV0T514t2Is1/img.jpg?width=620&height=411&face=0_0_620_411,https://scrap.kakaocdn.net/dn/blSuMU/hyKuo1O4z4/akAS4qfy9XROXPHHALVnuK/img.jpg?width=620&height=411&face=0_0_620_411)"></div><div class="og-text"><p class="og-title">금감원은 왜 윤창현 의원에 자료를 안 주려 하나 [박종서의 금융형통]</p><p class="og-desc">금감원은 왜 윤창현 의원에 자료를 안 주려 하나 [박종서의 금융형통], 박종서 기자, 경제</p><p class="og-host">www.hankyung.com</p></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1OaUj/7781e0671e771a84667231c53fb75ece6fab0e5e?download" data-file-name="210429+가계부채+관리방안+보도자료_20210429154818.pdf" data-file-size="112169" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href='javascript:fileFilterViewer("https://t1.daumcdn.net/cafeattach/1OaUj/7781e0671e771a84667231c53fb75ece6fab0e5e?download", "/cafeattach/1OaUj/7781e0671e771a84667231c53fb75ece6fab0e5e", "210429+가계부채+관리방안+보도자료_20210429154818.pdf", "grpid%3D1OaUj%26fldid%3DOAOi%26dataid%3D332%26fileid%3D4%26regdt%3D20210607001656&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1OaUj%2F7781e0671e771a84667231c53fb75ece6fab0e5e")'><div class="image"></div><div class="desc"><div class="filename"><span class="name">210429+가계부채+관리방안+보도자료_20210429154818</span><span class="type">.pdf</span></div><div class="size">109.54KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1OaUj/8a1d925f4f837f9e9da6867017a480029ea77dc2?download" data-file-name="210429_(대책)가계부채+관리방안_브리핑용_20210429154822.pdf" data-file-size="493127" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href='javascript:fileFilterViewer("https://t1.daumcdn.net/cafeattach/1OaUj/8a1d925f4f837f9e9da6867017a480029ea77dc2?download", "/cafeattach/1OaUj/8a1d925f4f837f9e9da6867017a480029ea77dc2", "210429_(대책)가계부채+관리방안_브리핑용_20210429154822.pdf", "grpid%3D1OaUj%26fldid%3DOAOi%26dataid%3D332%26fileid%3D5%26regdt%3D20210607001656&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1OaUj%2F8a1d925f4f837f9e9da6867017a480029ea77dc2")'><div class="image"></div><div class="desc"><div class="filename"><span class="name">210429_(대책)가계부채+관리방안_브리핑용_20210429154822</span><span class="type">.pdf</span></div><div class="size">481.57KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1OaUj/c6c37865851d66b000825781704fa0f5813b4d43?download" data-file-name="210429_(과제별+세부내용)가계부채+관리방안_브리핑용_20210429154828.pdf" data-file-size="466901" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href='javascript:fileFilterViewer("https://t1.daumcdn.net/cafeattach/1OaUj/c6c37865851d66b000825781704fa0f5813b4d43?download", "/cafeattach/1OaUj/c6c37865851d66b000825781704fa0f5813b4d43", "210429_(과제별+세부내용)가계부채+관리방안_브리핑용_20210429154828.pdf", "grpid%3D1OaUj%26fldid%3DOAOi%26dataid%3D332%26fileid%3D6%26regdt%3D20210607001656&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1OaUj%2Fc6c37865851d66b000825781704fa0f5813b4d43")'><div class="image"></div><div class="desc"><div class="filename"><span class="name">210429_(과제별+세부내용)가계부채+관리방안_브리핑용_20210429154828</span><span class="type">.pdf</span></div><div class="size">455.96KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1OaUj/bab51632b80bc542afc17b4843ab0facf24b13ca?download" data-file-name="210429_(Q&A)가계부채+관리방안_브리핑용_20210429154830.pdf" data-file-size="304084" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href='javascript:fileFilterViewer("https://t1.daumcdn.net/cafeattach/1OaUj/bab51632b80bc542afc17b4843ab0facf24b13ca?download", "/cafeattach/1OaUj/bab51632b80bc542afc17b4843ab0facf24b13ca", "210429_(Q&amp;A)가계부채+관리방안_브리핑용_20210429154830.pdf", "grpid%3D1OaUj%26fldid%3DOAOi%26dataid%3D332%26fileid%3D7%26regdt%3D20210607001656&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1OaUj%2Fbab51632b80bc542afc17b4843ab0facf24b13ca")'><div class="image"></div><div class="desc"><div class="filename"><span class="name">210429_(Q&A)가계부채+관리방안_브리핑용_20210429154830</span><span class="type">.pdf</span></div><div class="size">296.96KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1OaUj/996ef22965caac70d0857f23d70a78a887486fd5?download" data-file-name="210426 (보도자료) 중금리대출 제도개선방안_최종.pdf" data-file-size="446250" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href='javascript:fileFilterViewer("https://t1.daumcdn.net/cafeattach/1OaUj/996ef22965caac70d0857f23d70a78a887486fd5?download", "/cafeattach/1OaUj/996ef22965caac70d0857f23d70a78a887486fd5", "210426 (보도자료) 중금리대출 제도개선방안_최종.pdf", "grpid%3D1OaUj%26fldid%3DOAOi%26dataid%3D332%26fileid%3D8%26regdt%3D20210607001656&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1OaUj%2F996ef22965caac70d0857f23d70a78a887486fd5")'><div class="image"></div><div class="desc"><div class="filename"><span class="name">210426 (보도자료) 중금리대출 제도개선방안_최종</span><span class="type">.pdf</span></div><div class="size">435.79KB</div></div></a></div><p> </p><p> </p><p>================================================================================</p><p> </p><p> </p><p>윤창현 교수님이라고 저희 학교에서 학부 가르치셨는데 이분이 폭로하셨어요 . 우리학교 수업 가르치시는 분인데 폭로하셨어요.</p><p> </p><p> </p><p>작업하고 있는데 100개정도 이고 수작업이라서 오래걸린다. 나중에 책을 갖고 계시면 수작업으로 너무 오래걸린다. 벌때 간단하게 이미지화 하고있으니까.. 투자하시거나 사업하실때 보시게 수작업으로 하고있다. </p><p> </p><p> </p><p>정말 시간이 오래걸리는거다. </p><p> </p><p> </p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1OaUj/8cfa63d902ad2c385910155bbc2a36cd34098172" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1OaUj/8cfa63d902ad2c385910155bbc2a36cd34098172" data-origin-width="560" data-origin-height="368"></div><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1OaUj/09810a662d6182636cbe943770dea3565ad7fd9e" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1OaUj/09810a662d6182636cbe943770dea3565ad7fd9e" data-origin-width="560" data-origin-height="409"></div><p>은행주택담보대출 7월전에 급증하고 있다. 왜급증하냐 , 지금이게 dsr에 따른 대출한도이다. 폭탄터진다라고 하는데 우리나라만 터지지는 않는다. 쉽게말해서 40년 금융노예를 할수밖에없다고 4년동안 주장해 왔는데 35년으로 규정하고있다. 기본대출 신용대출 마통은 10년에서 5년으로 줄이고 있고 담보대출은 40년으로 기간늘리걸로 35년 기간으로 대출기간을 설정한다고 보면되고 앞으로 신용대출이나 마통은 거의 앞으로 못받는다고 보면 된다. </p><p> </p><p> </p><p>대출총량제 터지면 난리난다고 했고 서서히간다고 언급했다. 50%이상이 앞으로 대출을 못받는다고 보면된다. 사실상 이유가 뭘까 ? 40%이상 넘어가서 충격적인게 대출 40%넘어간사람이 40%이하는 대출이 실질적으로 4000만원밖에 안되고 이상은 평균 1억 8천이고 , 그러니까 평균 3~4억 빚을 진다고 보면된다. 그래서 지금 빌라 팔기가 편한게 빌라업자가 지금팔면 못나간다는 말이 공공연하게 나오고있다. </p><p> </p><p> </p><p>서울에 빌라업자가 난리가난거 같다. 업자분들 싸이트보는데에서 난리가났고 빌라사면 망하고 , 경매도 엄청나게 나오고있고 lh 공사에서 매입해서 개판이다. 6억이하라서 그렇지 3년이후에는 빌라도 못판다. 80% 가 dsr적용이라서 빌라파는게 혈안이다. 대출금지라고 보면된다. 언제부터냐 7월부터이다. </p><p> </p><p> </p><p>2~3년동안 빌라업자가 창궐하고 3~6억이하 로 팔거다. 다가구 업자라고 해야하나... </p><p> </p><p> </p><p>1억이상 이 568만명이고 , 대출자 50%가 대출을 못받는다고 보면된다. </p><p> </p><p> </p><p>그래서 대출적용되는사람이 2억이상 대출이 있으면 안된다. 앞으로는 1억이 넘으면 해당이고 지금은 2억넘으면 대출이 안된다. 3~4억을 어떻게 빌리나요? 평균 35년으로 빌린다. 40년금융노예 말이다. </p><p> </p><p> </p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1OaUj/15163bb59155895df1a9a842f144b24b1765d7a9" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1OaUj/15163bb59155895df1a9a842f144b24b1765d7a9" data-origin-width="600" data-origin-height="833"></div><p>윤창현 위원님께서 폭로했다. 대출평균 1억8천 ,서울 수도권 기준으로 하면 대출이 3억이 된다. </p><p> </p><p>완전히 초양극화이다. </p><p> </p><p>금리 오르면 파멸로 갈수밖에 없다. </p><p> </p><p> </p><p>ifrs9이 연관되어있어서 , 금융회계가 ifrs9 시스템이다. 회계를 다루어서 말이다. </p><p> </p><p>사실상 50%가 대출금지일거 같다. </p><p> </p><p> </p><p>과정으로 다가는건데 , 옛날처럼 imf 90년대에는 한번에 터지고 가는건데 ,지금은 시나리오 스트레스테스트를 하는데 못빠져나오게 하고 금융붕과기 안일어나게  1/3 씩 한다. 결과가 나오는시간이 되게 오래걸리고 매몰비용의 함정에 빠지게 된다. 돈을 못번다는 얘기가 아니야 매몰비용의 함정에 의미가 월급 마이너스 소득 마이너스 함정에 빠지는거다. 사업하고 장사하시는분들은 소득 마이너스가 얼마나 지옥인지 알거다. </p><p> </p><p> </p><p>가계가 내일 , 모레 팔린다. 마이너스 1~3년희망회로 돌리면서 장사안되면 6개월안에 접는데 ,초짜들은 매몰비용의 함정에 빠진다. 광고쟁이가 오고 ,사채업자가 온다. 사채업자는 메모지를 주고 광고쟁이는 가계를 맡겨주시면 권리금 1억5천 , 300만원 받게 해주겠다. 6개월에도 안팔리고 한달에 100만원이다. </p><p> </p><p> </p><p>사실상 1500만원 마이너스인데 , 대출땡기고 이러면서 빚이 3000~4000만원 불어난다. </p><p> </p><p>광고비증가만하지 의미가 없다. </p><p> </p><p>빚이 1억 가까이쌓이고 , 신용불량자만 된다. </p><p> </p><p>본인도 pc방하다가 자살하고싶었다. 조심해라.</p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p>