{"id":6,"date":"2026-08-31T05:46:57","date_gmt":"2026-08-31T05:46:57","guid":{"rendered":"https:\/\/zip.tnvjaos.com\/?page_id=6"},"modified":"2026-10-05T04:48:48","modified_gmt":"2026-10-05T04:48:48","slug":"%ea%b3%84%ec%82%b0%ea%b8%b0-%eb%aa%a8%ec%9d%8c-%ec%9e%ac%ec%b4%88%ed%99%98%c2%b7%eb%a6%ac%eb%aa%a8%eb%8d%b8%eb%a7%81%c2%b7%ec%96%91%eb%8f%84%ec%84%b8","status":"publish","type":"page","link":"https:\/\/zip.tnvjaos.com\/?page_id=6","title":{"rendered":"\uacc4\uc0b0\uae30 \ubaa8\uc74c (\uc7ac\ucd08\ud658\u00b7\ub9ac\ubaa8\ub378\ub9c1\u00b7\uc591\ub3c4\uc138)"},"content":{"rendered":"\n<h1 class=\"wp-block-heading has-text-align-center\">\uacc4\uc0b0\uae30 \ubaa8\uc74c (\uc7ac\ucd08\ud658\u00b7\ub9ac\ubaa8\ub378\ub9c1\u00b7\uc591\ub3c4\uc138)<\/h1>\n\n\n<p style=\"text-align:center;margin-bottom:8px;\"><a href=\"\/?page_id=4\">\u2190 \ucd94\uc815\ubd84\ub2f4\uae08 \uacc4\uc0b0\uae30\ub85c \ub3cc\uc544\uac00\uae30<\/a><\/p>\t<div class=\"bc-wrap\" id=\"bt-1-4fa981\">\n\t\t<div class=\"bc-card bc-card-wide\">\n\t\t\t<div class=\"bc-head\">\n\t\t\t\t<h2>\uacc4\uc0b0\uae30 \ubaa8\uc74c<\/h2>\n\t\t\t\t<p>\uc7ac\ucd08\ud658 \ubd80\ub2f4\uae08, \ub9ac\ubaa8\ub378\ub9c1 \ubd84\ub2f4\uae08, \uc591\ub3c4\uc18c\ub4dd\uc138\ub97c \uacc4\uc0b0\ud569\ub2c8\ub2e4. \ubaa8\ub450 \ucc38\uace0\uc6a9 \ucd94\uc815\uce58\uc785\ub2c8\ub2e4.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bc-toggle bc-toggle-wide\" role=\"tablist\">\n\t\t\t\t<button type=\"button\" class=\"bc-tab is-active\" data-tool=\"excess\">\uc7ac\ucd08\ud658 \ubd80\ub2f4\uae08<\/button>\n\t\t\t\t<button type=\"button\" class=\"bc-tab\" data-tool=\"remodel\">\ub9ac\ubaa8\ub378\ub9c1 \ubd84\ub2f4\uae08<\/button>\n\t\t\t\t<button type=\"button\" class=\"bc-tab\" data-tool=\"transfer\">\uc591\ub3c4\uc18c\ub4dd\uc138<\/button>\n\t\t\t<\/div>\n\n\t\t\t<!-- \uc7ac\uac74\ucd95\ucd08\uacfc\uc774\uc775\ud658\uc218 -->\n\t\t\t<div class=\"bc-tool\" data-tool-panel=\"excess\">\n\t\t\t<div class=\"bc-layout\">\n\t\t\t<div class=\"bc-col-input\">\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-ex-start\">\uac1c\uc2dc\uc2dc\uc810 \uc8fc\ud0dd\uac00\uc561 <span>(\uc870\ud569\uc6d0 1\uc778\ub2f9, \uacf5\uc2dc\uac00\uaca9 \uae30\uc900, \uc6d0)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"numeric\" id=\"bt-ex-start\" class=\"bc-num\" placeholder=\"\uc608: 400,000,000\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-ex-end\">\uc885\ub8cc\uc2dc\uc810 \uc8fc\ud0dd\uac00\uc561 <span>(\uc870\ud569\uc6d0 1\uc778\ub2f9, \uc6d0)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"numeric\" id=\"bt-ex-end\" class=\"bc-num\" placeholder=\"\uc608: 900,000,000\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-ex-years\">\uc0ac\uc5c5\uae30\uac04 <span>(\ub144, \uc870\ud569\uc124\ub9bd\uc778\uac00\uc77c~\uc900\uacf5\uc778\uac00\uc77c, 10\ub144 \ucd08\uacfc \uc2dc 10\ub144\uc73c\ub85c \uacc4\uc0b0)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"decimal\" id=\"bt-ex-years\" class=\"bc-num\" value=\"8\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-ex-rate\">\uc815\uc0c1\uc8fc\ud0dd\uac00\uaca9\uc0c1\uc2b9\ub960 <span>(\uc5f0, %, \uc815\uae30\uc608\uae08\uc774\uc790\uc728\uacfc \ud574\ub2f9 \uc2dc\u00b7\uad70\u00b7\uad6c \ud3c9\uade0\uc8fc\ud0dd\uac00\uaca9\uc0c1\uc2b9\ub960 \uc911 \ub192\uc740 \ube44\uc728)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"decimal\" id=\"bt-ex-rate\" class=\"bc-num\" value=\"3.0\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-ex-cost\">\uac1c\ubc1c\ube44\uc6a9 <span>(\uc870\ud569\uc6d0 1\uc778\ub2f9, \uc6d0, \uc120\ud0dd)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"numeric\" id=\"bt-ex-cost\" class=\"bc-num\" placeholder=\"\uc608: 30,000,000\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label class=\"bc-check\"><input type=\"checkbox\" id=\"bt-ex-owner\"> 1\uc138\ub300 1\uc8fc\ud0dd \uc7a5\uae30\ubcf4\uc720\uc790<\/label>\n\t\t\t\t\t<div class=\"bc-mode\" data-mode-panel=\"ex-owner\" hidden>\n\t\t\t\t\t\t<label for=\"bt-ex-live\">\ubcf4\uc720\uae30\uac04 <span>(\ub144, \uc900\uacf5\uc778\uac00\uc77c \uae30\uc900 \uc5ed\uc0b0, 6\ub144 10% \u00b7 10\ub144 50% \u00b7 15\ub144 60% \u00b7 20\ub144 \uc774\uc0c1 70%)<\/span><\/label>\n\t\t\t\t\t\t<input type=\"text\" inputmode=\"numeric\" id=\"bt-ex-live\" class=\"bc-num\" value=\"6\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"bc-btn\" data-calc=\"excess\">\uacc4\uc0b0\ud558\uae30<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"bc-col-result\">\n\t\t\t\t<div class=\"bc-result\" data-result=\"excess\" hidden>\n\t\t\t\t\t<div class=\"bc-result-label\">\uc608\uc0c1 \uc7ac\ucd08\ud658 \ubd80\ub2f4\uae08<\/div>\n\t\t\t\t\t<div class=\"bc-result-value\" data-out=\"final\">0\uc6d0<\/div>\n\t\t\t\t\t<dl class=\"bc-breakdown\">\n\t\t\t\t\t\t<div><dt>\ucd08\uacfc\uc774\uc775<\/dt><dd data-out=\"profit\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\uac10\uba74 \uc804 \ubd80\uacfc\uae08<\/dt><dd data-out=\"raw\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\uc7a5\uae30\ubcf4\uc720 \uac10\uba74<\/dt><dd data-out=\"discount\">-<\/dd><\/div>\n\t\t\t\t\t<\/dl>\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"bc-disclaimer\">\u300c\uc7ac\uac74\ucd95\ucd08\uacfc\uc774\uc775 \ud658\uc218\uc5d0 \uad00\ud55c \ubc95\ub960\u300d \uc81c12\uc870 \ubd80\uacfc\uc728(2023. 12. 26. \uac1c\uc815)\uacfc \uc81c14\uc870\uc7582 1\uc138\ub300 1\uc8fc\ud0dd\uc790 \uac10\uacbd\uc744 \ubc18\uc601\ud55c \ub2e8\uc21c \uacc4\uc0b0\uc785\ub2c8\ub2e4. \uac10\uacbd\uc740 \ubd80\uacfc\uc885\ub8cc\uc2dc\uc810\uc5d0 1\uc138\ub300 1\uc8fc\ud0dd\uc790\uc774\uace0 \uadf8 \uae30\uac04\uc758 \ubcf4\uc720\uae30\uac04\uc774 6\ub144 \uc774\uc0c1\uc778 \uacbd\uc6b0\uc5d0 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc2e4\uc81c \ubd80\uacfc\uc561\uc740 \uad6d\ud1a0\uad50\ud1b5\ubd80\u00b7\uc9c0\uc790\uccb4\uc758 \uc0b0\uc815 \uacb0\uacfc\uc640 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<!-- \ub9ac\ubaa8\ub378\ub9c1 -->\n\t\t\t<div class=\"bc-tool\" data-tool-panel=\"remodel\" hidden>\n\t\t\t<div class=\"bc-layout\">\n\t\t\t<div class=\"bc-col-input\">\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-rm-cost\">\ucd1d\uc0ac\uc5c5\ube44 <span>(\uc6d0)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"numeric\" id=\"bt-rm-cost\" class=\"bc-num\" placeholder=\"\uc608: 60,000,000,000\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-rm-income\">\uc77c\ubc18\ubd84\uc591\uc218\uc775 <span>(\uc6d0, \uc218\uc9c1\uc99d\ucd95 \uc2dc. \uc5c6\uc73c\uba74 0)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"numeric\" id=\"bt-rm-income\" class=\"bc-num\" placeholder=\"\uc608: 15,000,000,000\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-rm-units\">\uc870\ud569\uc6d0 \uc218 <span>(\uc138\ub300)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"numeric\" id=\"bt-rm-units\" class=\"bc-num\" placeholder=\"\uc608: 500\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-rm-share\">\ub0b4 \uc9c0\ubd84\uc728 <span>(%, \uc120\ud0dd \u2014 \ube44\uc6cc\ub450\uba74 \uade0\ub4f1\ubd84\ubc30)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"decimal\" id=\"bt-rm-share\" class=\"bc-num\" placeholder=\"\uc608: 0.21\">\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"bc-field-err\" data-err=\"remodel\" hidden><\/p>\n\t\t\t\t<button type=\"button\" class=\"bc-btn\" data-calc=\"remodel\">\uacc4\uc0b0\ud558\uae30<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"bc-col-result\">\n\t\t\t\t<div class=\"bc-result\" data-result=\"remodel\" hidden>\n\t\t\t\t\t<div class=\"bc-result-label\" data-label=\"remodel\">\uc608\uc0c1 \ubd84\ub2f4\uae08 (\uade0\ub4f1\ubd84\ubc30)<\/div>\n\t\t\t\t\t<div class=\"bc-result-value\" data-out=\"final\">0\uc6d0<\/div>\n\t\t\t\t\t<dl class=\"bc-breakdown\">\n\t\t\t\t\t\t<div><dt>\uc21c\ubd80\ub2f4 \ucd1d\uc561<\/dt><dd data-out=\"net\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\uc138\ub300\ub2f9 \uade0\ub4f1\ubd84\ub2f4\uae08<\/dt><dd data-out=\"even\">-<\/dd><\/div>\n\t\t\t\t\t<\/dl>\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"bc-disclaimer\">\uc2e4\uc81c \ub9ac\ubaa8\ub378\ub9c1 \ubd84\ub2f4\uae08\uc740 \uc870\ud569 \uc815\uad00\uc0c1 \uc9c0\ubd84\uc728 \uc0b0\uc815 \ubc29\uc2dd(\uba74\uc801\u00b7\ud5a5\u00b7\uce35 \uac00\uc911 \ub4f1)\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<!-- \uc591\ub3c4\uc18c\ub4dd\uc138 -->\n\t\t\t<div class=\"bc-tool\" data-tool-panel=\"transfer\" hidden>\n\t\t\t<div class=\"bc-layout\">\n\t\t\t<div class=\"bc-col-input\">\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-tx-sale\">\uc591\ub3c4\uac00\uc561 <span>(\uc6d0)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"numeric\" id=\"bt-tx-sale\" class=\"bc-num\" placeholder=\"\uc608: 1,500,000,000\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-tx-buy\">\ucde8\ub4dd\uac00\uc561 <span>(\uc6d0)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"numeric\" id=\"bt-tx-buy\" class=\"bc-num\" placeholder=\"\uc608: 800,000,000\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-tx-fee\">\ud544\uc694\uacbd\ube44 <span>(\ucde8\ub4dd\uc138\u00b7\uc911\uac1c\uc218\uc218\ub8cc \ub4f1, \uc6d0)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"numeric\" id=\"bt-tx-fee\" class=\"bc-num\" placeholder=\"\uc608: 20,000,000\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-tx-hold\">\ubcf4\uc720\uae30\uac04 <span>(\ub144, \ucde8\ub4dd\uc77c~\uc591\ub3c4\uc77c, \uc18c\uc218 \uc785\ub825 \uac00\ub2a5)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"decimal\" id=\"bt-tx-hold\" class=\"bc-num\" placeholder=\"\uc608: 10\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label for=\"bt-tx-live\">\uac70\uc8fc\uae30\uac04 <span>(\ub144, \ubcf4\uc720\uae30\uac04 \uc911 \uac70\uc8fc\ud55c \uae30\uac04)<\/span><\/label>\n\t\t\t\t\t<input type=\"text\" inputmode=\"decimal\" id=\"bt-tx-live\" class=\"bc-num\" placeholder=\"\uc608: 10\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label class=\"bc-check\"><input type=\"checkbox\" id=\"bt-tx-one\"> 1\uc138\ub300 1\uc8fc\ud0dd \ube44\uacfc\uc138 \uc694\uac74 \ub300\uc0c1 (\uc591\ub3c4\uc77c \ud604\uc7ac \uad6d\ub0b4 1\uc8fc\ud0dd, \uc9c1\uc811 \ud655\uc778 \ud544\uc694)<\/label>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bc-field\">\n\t\t\t\t\t<label class=\"bc-check\"><input type=\"checkbox\" id=\"bt-tx-adj\"> \ucde8\ub4dd \ub2f9\uc2dc \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed \uc8fc\ud0dd (2017. 8. 3. \uc774\ud6c4 \ucde8\ub4dd\ubd84, \ube44\uacfc\uc138\uc5d0 \uac70\uc8fc 2\ub144 \ud544\uc694)<\/label>\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"bc-btn\" data-calc=\"transfer\">\uacc4\uc0b0\ud558\uae30<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"bc-col-result\">\n\t\t\t\t<div class=\"bc-result\" data-result=\"transfer\" hidden>\n\t\t\t\t\t<div class=\"bc-result-label\">\uc608\uc0c1 \uc138\uc561 \ud569\uacc4 (\uc591\ub3c4\uc18c\ub4dd\uc138 + \uc9c0\ubc29\uc18c\ub4dd\uc138)<\/div>\n\t\t\t\t\t<div class=\"bc-result-value\" data-out=\"final\">0\uc6d0<\/div>\n\t\t\t\t\t<dl class=\"bc-breakdown\">\n\t\t\t\t\t\t<div><dt>\uc591\ub3c4\ucc28\uc775<\/dt><dd data-out=\"gain\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\ube44\uacfc\uc138 \ud310\ub2e8<\/dt><dd data-out=\"exempt\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\uacfc\uc138\ub300\uc0c1 \uc591\ub3c4\ucc28\uc775<\/dt><dd data-out=\"taxable\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\uc7a5\uae30\ubcf4\uc720\ud2b9\ubcc4\uacf5\uc81c<\/dt><dd data-out=\"deduction\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\uc591\ub3c4\uc18c\ub4dd \uae30\ubcf8\uacf5\uc81c<\/dt><dd data-out=\"basic\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\uacfc\uc138\ud45c\uc900<\/dt><dd data-out=\"base\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\uc801\uc6a9 \uc138\uc728<\/dt><dd data-out=\"ratekind\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\uc591\ub3c4\uc18c\ub4dd\uc138 \uc0b0\ucd9c\uc138\uc561<\/dt><dd data-out=\"incometax\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\uc9c0\ubc29\uc18c\ub4dd\uc138 (\uc0b0\ucd9c\uc138\uc561\uc758 10%)<\/dt><dd data-out=\"localtax\">-<\/dd><\/div>\n\t\t\t\t\t\t<div><dt>\ud569\uacc4<\/dt><dd data-out=\"total\">-<\/dd><\/div>\n\t\t\t\t\t<\/dl>\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"bc-disclaimer\"><strong>\uacc4\uc0b0 \uae30\uc900:<\/strong> \uac70\uc8fc\uc790\uac00 \ub4f1\uae30\ub41c \uc8fc\ud0dd 1\ucc44\ub97c \uc591\ub3c4\ud558\ub294 \uacbd\uc6b0\ub9cc \uacc4\uc0b0\ud569\ub2c8\ub2e4. \uc138\uc728\uc740 2023\ub144 1\uc6d4 1\uc77c \uc774\ud6c4 \uc591\ub3c4\ubd84 \uae30\uc900\uc138\uc728(\uc18c\ub4dd\uc138\ubc95 \uc81c55\uc870 \uc81c1\ud56d, 6~45%)\uc774\uba70, \ubcf4\uc720 1\ub144 \ubbf8\ub9cc 70%\u00b71\ub144 \uc774\uc0c1 2\ub144 \ubbf8\ub9cc 60% \ub2e8\uae30\uc138\uc728(\uc81c104\uc870 \uc81c1\ud56d)\uc740 \uae30\uc900\uc138\uc728 \uc0b0\ucd9c\uc138\uc561\uacfc \ube44\uad50\ud574 \ud070 \uae08\uc561\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4. \uc7a5\uae30\ubcf4\uc720\ud2b9\ubcc4\uacf5\uc81c\ub294 \ubcf4\uc720 3\ub144 \uc774\uc0c1\ubd80\ud130 \ud45c1(\uc5f0 2%, 3\ub144 6%~15\ub144 \uc774\uc0c1 30%)\uc744, 1\uc138\ub300 1\uc8fc\ud0dd\uc73c\ub85c\uc11c \uac70\uc8fc 2\ub144 \uc774\uc0c1\uc774\uba74 \ud45c2(\ubcf4\uc720 \uc5f0 4% + \uac70\uc8fc \uc5f0 4%, \ucd5c\ub300 80%)\ub97c \uc801\uc6a9\ud569\ub2c8\ub2e4(\uc81c95\uc870). \ubcf4\uc720\uae30\uac04\uc740 \ucde8\ub4dd\uc77c\ubd80\ud130 \uc591\ub3c4\uc77c\uae4c\uc9c0\ub85c \uacc4\uc0b0\ud569\ub2c8\ub2e4(\uc81c95\uc870 \uc81c4\ud56d, \uc81c104\uc870 \uc81c2\ud56d). \uc591\ub3c4\uc18c\ub4dd \uae30\ubcf8\uacf5\uc81c 250\ub9cc\uc6d0(\uc81c103\uc870)\uc740 \uac19\uc740 \ud574 \ub2e4\ub978 \ubd80\ub3d9\uc0b0 \uc591\ub3c4\uac00 \uc5c6\ub2e4\uace0 \uac00\uc815\ud569\ub2c8\ub2e4. \uc9c0\ubc29\uc18c\ub4dd\uc138\ub294 \uac19\uc740 \uacfc\uc138\ud45c\uc900\uc5d0 \uc591\ub3c4\uc18c\ub4dd\uc138 \uc138\uc728\uc758 10\ubd84\uc758 1\uc744 \uc801\uc6a9\ud55c \uae08\uc561(\uc9c0\ubc29\uc138\ubc95 \uc81c103\uc870\uc7583)\uc73c\ub85c, \uc591\ub3c4\uc18c\ub4dd\uc138 \uc0b0\ucd9c\uc138\uc561\uc758 10%\uc640 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\t\t\t\t<p class=\"bc-disclaimer\"><strong>1\uc138\ub300 1\uc8fc\ud0dd \ube44\uacfc\uc138:<\/strong> \uccb4\ud06c\ud55c \uacbd\uc6b0\uc5d0\ub9cc \uc801\uc6a9\ud569\ub2c8\ub2e4. \ubcf4\uc720 2\ub144 \uc774\uc0c1(\ucde8\ub4dd \ub2f9\uc2dc \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed \uc8fc\ud0dd\uc740 \ubcf4\uc720\uae30\uac04 \uc911 \uac70\uc8fc 2\ub144 \uc774\uc0c1\ub3c4 \ud544\uc694)\uc774\uc5b4\uc57c \ud558\uba70, \uc591\ub3c4\uac00\uc561 12\uc5b5\uc6d0 \ucd08\uacfc\ubd84\uc740 \uacfc\uc138\ub429\ub2c8\ub2e4(\uc18c\ub4dd\uc138\ubc95 \uc81c89\uc870, \uc2dc\ud589\ub839 \uc81c154\uc870\u00b7\uc81c160\uc870). 1\uc138\ub300\u00b71\uc8fc\ud0dd \uc5ec\ubd80\ub294 \ud655\uc778\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\t\t\t\t<p class=\"bc-disclaimer\"><strong>\uc9c0\uc6d0\ud558\uc9c0 \uc54a\uc74c:<\/strong> \ub2e4\uc8fc\ud0dd\uc790 \uc911\uacfc\uc138\uc728(\uc870\uc815\ub300\uc0c1\uc9c0\uc5ed 2\uc8fc\ud0dd +20%p, 3\uc8fc\ud0dd \uc774\uc0c1 +30%p, \uc81c104\uc870 \uc81c7\ud56d. \ubcf4\uc720 2\ub144 \uc774\uc0c1 \uc8fc\ud0dd\uc758 \uc911\uacfc \ubc30\uc81c\ub294 \uc6d0\uce59\uc801\uc73c\ub85c 2026\ub144 5\uc6d4 9\uc77c \uc591\ub3c4\ubd84\uae4c\uc9c0(\ud1a0\uc9c0\uac70\ub798\ud5c8\uac00 \ub4f1 \uacbd\uacfc\uaddc\uc815 \ubcc4\ub3c4), \uc2dc\ud589\ub839 \uc81c167\uc870\uc75810), \uc77c\uc2dc\uc801 2\uc8fc\ud0dd \ub4f1 \ube44\uacfc\uc138 \ud2b9\ub840(\uc2dc\ud589\ub839 \uc81c155\uc870), \ubd84\uc591\uad8c\u00b7\uc870\ud569\uc6d0\uc785\uc8fc\uad8c, \ubbf8\ub4f1\uae30 \uc591\ub3c4(70%), \ube44\uc0ac\uc5c5\uc6a9 \ud1a0\uc9c0, \uac10\uba74, \ubcf4\uc720\uae30\uac04 \uacc4\uc0b0 \ud2b9\ub840. \uc2e4\uc81c \uc2e0\uace0 \uc804\uc5d0\ub294 \uad6d\uc138\uccad \ub610\ub294 \uc138\ubb34 \uc804\ubb38\uac00\uc5d0\uac8c \ud655\uc778\ud558\uc138\uc694.<\/p>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<style>\n\t\t.bc-wrap{ --bc-navy:#173A60; --bc-bg:#F4F7FA; --bc-card:#FFFFFF; --bc-ink:#1d1d1f; --bc-sub:#55606b; --bc-line:#d7dee6; --bc-accent:#1D60C5; --bc-accent-ink:#FFFFFF; --bc-soft:#EAF1FB; --bc-danger:#c8102e; --bc-input-h:48px;\n\t\t\tfont-family: -apple-system,BlinkMacSystemFont,\"SF Pro Text\",\"Pretendard\",\"Apple SD Gothic Neo\",\"Malgun Gothic\",sans-serif;\n\t\t\tdisplay:flex; justify-content:center; padding:32px 16px; background:var(--bc-bg); max-width:none; box-sizing:border-box; -webkit-font-smoothing:antialiased; }\n\t\t.bc-card{ width:100%; max-width:760px; background:var(--bc-card); border:1px solid var(--bc-line); border-radius:22px; padding:36px 32px; box-sizing:border-box; box-shadow:0 1px 2px rgba(0,0,0,.03), 0 20px 40px rgba(0,0,0,.06); }\n\t\t.bc-card-wide{ max-width:920px; }\n\t\t.bc-card-map{ max-width:1400px; }\n\t\t.bc-head h2{ margin:0 0 8px; font-size:24px; font-weight:600; letter-spacing:-.02em; color:var(--bc-navy); }\n\t\t.bc-head p{ margin:0 0 28px; font-size:14px; color:var(--bc-sub); line-height:1.6; }\n\t\t.bc-field{ margin-bottom:22px; }\n\t\t.bc-field > label{ display:block; font-size:13px; font-weight:600; color:var(--bc-ink); margin-bottom:8px; }\n\t\t.bc-field > label span{ font-weight:400; color:var(--bc-sub); }\n\t\t.bc-help{ margin:6px 0 0; font-size:12px; color:var(--bc-sub); line-height:1.5; }\n\t\t.bc-num{ width:100%; box-sizing:border-box; min-height:var(--bc-input-h); padding:12px 14px; font-size:15px; border:1px solid var(--bc-line); border-radius:12px; background:#fbfbfd; color:var(--bc-ink); outline:none; transition:border-color .15s, box-shadow .15s; }\n\t\t.bc-num:focus{ border-color:var(--bc-accent); background:#fff; box-shadow:0 0 0 4px rgba(29,96,197,.15); }\n\t\t.bc-field.has-error .bc-num{ border-color:var(--bc-danger); }\n\t\t.bc-field-err{ margin:6px 0 0; font-size:12.5px; color:var(--bc-danger); }\n\t\t.bc-mode[data-mode-panel=\"direct\"]{ position:relative; }\n\t\t.bc-mode[data-mode-panel=\"direct\"] .bc-suffix{ position:absolute; right:14px; top:12px; color:var(--bc-sub); font-size:14px; }\n\t\t.bc-toggle{ display:flex; gap:6px; padding:4px; background:var(--bc-bg); border-radius:980px; margin-bottom:10px; width:fit-content; }\n\t\t.bc-tab{ border:0; background:transparent; padding:7px 14px; font-size:13px; border-radius:980px; color:var(--bc-sub); cursor:pointer; font-weight:500; white-space:nowrap; }\n\t\t.bc-tab.is-active{ background:#fff; color:var(--bc-navy); box-shadow:0 1px 4px rgba(0,0,0,.12); }\n\t\t.bc-subfield{ margin-bottom:12px; }\n\t\t.bc-subfield label{ display:block; font-size:12.5px; color:var(--bc-sub); margin-bottom:6px; }\n\t\t.bc-derived{ margin:10px 0 0; font-size:13px; color:var(--bc-sub); }\n\t\t.bc-derived strong{ color:var(--bc-accent); }\n\t\t.bc-btn{ width:100%; min-height:var(--bc-input-h); padding:14px; font-size:16px; font-weight:600; letter-spacing:-.01em; color:var(--bc-accent-ink); background:var(--bc-accent); border:0; border-radius:980px; cursor:pointer; transition:background-color .15s; }\n\t\t.bc-btn:hover{ background-color:#164e9e; }\n\t\t.bc-result{ margin-top:24px; padding:24px; background:var(--bc-soft); border-radius:18px; text-align:center; }\n\t\t.bc-result.is-refund{ background:#EAF7EF; }\n\t\t.bc-result-label{ font-size:13px; font-weight:600; color:var(--bc-sub); margin-bottom:6px; }\n\t\t.bc-result-value{ font-size:32px; font-weight:700; letter-spacing:-.02em; color:var(--bc-accent); }\n\t\t.bc-result.is-refund .bc-result-value{ color:#1e7a43; }\n\t\t.bc-breakdown{ margin:18px 0 0; padding-top:16px; border-top:1px solid rgba(0,0,0,.08); display:grid; gap:8px; }\n\t\t.bc-breakdown > div{ display:flex; justify-content:space-between; font-size:13px; }\n\t\t.bc-breakdown dt{ color:var(--bc-sub); font-weight:400; }\n\t\t.bc-breakdown dd{ margin:0; color:var(--bc-ink); font-weight:600; }\n\t\t.bc-disclaimer{ margin:20px 0 0; font-size:12px; color:var(--bc-sub); line-height:1.6; }\n\t\t.bc-lookup{ padding:16px; background:#fbfbfd; border:1px solid var(--bc-line); border-radius:14px; box-sizing:border-box; }\n\t\t.bc-addr-row{ display:flex; gap:8px; }\n\t\t.bc-addr-row .bc-num{ flex:1; min-width:0; }\n\t\t.bc-btn-sm{ min-height:var(--bc-input-h); padding:0 16px; font-size:13px; font-weight:600; color:var(--bc-navy); background:#fff; border:1px solid var(--bc-line); border-radius:980px; cursor:pointer; white-space:nowrap; transition:background-color .15s; }\n\t\t.bc-btn-sm:hover{ background-color:var(--bc-bg); }\n\t\t.bc-btn-sm-accent{ width:100%; margin-top:4px; padding:11px; color:var(--bc-accent-ink); background:var(--bc-accent); border:0; }\n\t\t.bc-btn-sm-accent:hover{ background-color:#164e9e; }\n\t\t.bc-addr-result{ margin-top:10px; font-size:13px; color:var(--bc-ink); line-height:1.7; }\n\t\t.bc-addr-result b{ color:var(--bc-accent); }\n\t\t.bc-addr-result.is-error{ color:var(--bc-danger); }\n\t\t.bc-addr-extra{ margin-top:12px; padding-top:12px; border-top:1px solid var(--bc-line); }\n\n\t\t\/* \u2500\u2500 PC: \uc785\ub825 \uc67c\ucabd \/ \uacb0\uacfc \uc624\ub978\ucabd 2\uc5f4. \ubaa8\ubc14\uc77c \uae30\ubcf8\uac12\uc740 \uc704(\uc785\ub825)\u2192\uc544\ub798(\uacb0\uacfc) \uc790\uc5f0\uc2a4\ub7ec\uc6b4 \uc138\ub85c \ud750\ub984 \u2500\u2500 *\/\n\t\t.bc-result-empty{ margin-top:24px; padding:24px; border:1px dashed var(--bc-line); border-radius:18px; text-align:center; font-size:13px; color:var(--bc-sub); line-height:1.6; }\n\t\t@media (min-width:900px){\n\t\t\t.bc-layout{ display:grid; grid-template-columns:1.1fr 1fr; gap:28px; align-items:start; }\n\t\t\t.bc-col-result{ position:sticky; top:24px; }\n\t\t}\n\n\t\t\/* \u2500\u2500 390\/360px \ub4f1 \ubaa8\ubc14\uc77c: \ud398\uc774\uc9c0 \uc88c\uc6b0 16px\u00b7\uce74\ub4dc \ub0b4\ubd80 16~20px\ub85c \uc911\ucca9 \uc5ec\ubc31 \uc81c\uac70 \u2500\u2500 *\/\n\t\t@media (max-width:600px){\n\t\t\t.bc-wrap{\n\t\t\t\tmax-width:none;\n\t\t\t\tmargin-left:calc(var(--wp--style--root--padding-left, 16px) * -1) !important;\n\t\t\t\tmargin-right:calc(var(--wp--style--root--padding-right, 16px) * -1) !important;\n\t\t\t\tpadding:20px 16px;\n\t\t\t}\n\t\t\t.bc-card{ padding:18px 16px; border-radius:16px; }\n\t\t\t.bc-lookup{ padding:14px; }\n\t\t\t.bc-addr-row{ flex-direction:column; }\n\t\t\t.bc-addr-row .bc-btn-sm{ width:100%; }\n\t\t\t.bc-num, .bc-btn, .bc-btn-sm{ font-size:16px; } \/* iOS \uc790\ub3d9\ud655\ub300 \ubc29\uc9c0 *\/\n\t\t}\n\t<\/style>\n\t\t<style>\n\t\t.bc-toggle-wide{ width:100%; margin-bottom:24px; overflow-x:auto; -webkit-overflow-scrolling:touch; }\n\t\t.bc-toggle-wide .bc-tab{ flex:1; text-align:center; }\n\t\t@media (max-width:480px){ .bc-toggle-wide .bc-tab{ flex:0 0 auto; font-size:12.5px; padding:7px 12px; } }\n\t\t.bc-check{ display:flex; align-items:center; gap:8px; font-size:13.5px; font-weight:500; color:var(--bc-ink); cursor:pointer; }\n\t\t.bc-check input{ width:16px; height:16px; accent-color:var(--bc-accent); }\n\t\t.bc-tool [data-mode-panel]{ margin-top:12px; }\n\t<\/style>\n\n\t<script>\n\t(function(){\n\t\tvar wrap = document.getElementById('bt-1-4fa981');\n\t\tfunction fmt(n){ return Math.round(n).toLocaleString('ko-KR'); }\n\t\tfunction parseNum(v){ var n = parseFloat(String(v||'').replace(\/,\/g,'')); return isNaN(n) ? 0 : n; }\n\t\tfunction bindComma(input){\n\t\t\tinput.addEventListener('input', function(){\n\t\t\t\tvar raw = input.value.replace(\/[^\\d.]\/g,'');\n\t\t\t\tif (raw === '') { input.value=''; return; }\n\t\t\t\tvar parts = raw.split('.');\n\t\t\t\tparts[0] = parseInt(parts[0]||'0',10).toLocaleString('ko-KR');\n\t\t\t\tinput.value = parts.length > 1 ? parts[0]+'.'+parts[1] : parts[0];\n\t\t\t});\n\t\t}\n\t\twrap.querySelectorAll('.bc-num').forEach(bindComma);\n\n\t\tvar tabs = wrap.querySelectorAll('.bc-tab');\n\t\ttabs.forEach(function(tab){\n\t\t\ttab.addEventListener('click', function(){\n\t\t\t\ttabs.forEach(function(t){ t.classList.remove('is-active'); });\n\t\t\t\ttab.classList.add('is-active');\n\t\t\t\twrap.querySelectorAll('[data-tool-panel]').forEach(function(p){\n\t\t\t\t\tp.hidden = p.getAttribute('data-tool-panel') !== tab.dataset.tool;\n\t\t\t\t});\n\t\t\t});\n\t\t});\n\n\t\tvar ownerCheck = wrap.querySelector('#bt-ex-owner');\n\t\townerCheck.addEventListener('change', function(){\n\t\t\twrap.querySelector('[data-mode-panel=\"ex-owner\"]').hidden = !ownerCheck.checked;\n\t\t});\n\n\t\tfunction bracket(profit, table){\n\t\t\tfor (var i = table.length - 1; i >= 0; i--) {\n\t\t\t\tif (profit > table[i].over) return table[i].base + (profit - table[i].over) * table[i].rate;\n\t\t\t}\n\t\t\treturn 0;\n\t\t}\n\n\t\t\/\/ \uc7ac\ucd08\ud658: 2024\ub144 \uac1c\uc815 \ubd80\uacfc\uc728\ud45c (\uc870\ud569\uc6d0 1\uc778\ub2f9 \ucd08\uacfc\uc774\uc775 \uae30\uc900)\n\t\tvar EXCESS_TABLE = [\n\t\t\t{ over: 0,          rate: 0.00, base: 0 },\n\t\t\t{ over: 80000000,   rate: 0.10, base: 0 },\n\t\t\t{ over: 130000000,  rate: 0.20, base: 5000000 },\n\t\t\t{ over: 180000000,  rate: 0.30, base: 15000000 },\n\t\t\t{ over: 230000000,  rate: 0.40, base: 30000000 },\n\t\t\t{ over: 280000000,  rate: 0.50, base: 50000000 },\n\t\t];\n\n\t\tfunction calcExcess(){\n\t\t\tvar start = parseNum(wrap.querySelector('#bt-ex-start').value);\n\t\t\tvar end = parseNum(wrap.querySelector('#bt-ex-end').value);\n\t\t\tvar years = Math.max(0, Math.min(parseNum(wrap.querySelector('#bt-ex-years').value), 10)); \/\/ \ubc95 \uc81c8\uc870 \uc81c2\ud56d: 10\ub144 \ucd08\uacfc \uc2dc \uc885\ub8cc\uc2dc\uc810\ubd80\ud130 \uc5ed\uc0b0 10\ub144\n\t\t\tvar rate = parseNum(wrap.querySelector('#bt-ex-rate').value) \/ 100;\n\t\t\tvar cost = parseNum(wrap.querySelector('#bt-ex-cost').value);\n\n\t\t\tvar normalRise = start * (Math.pow(1 + rate, years) - 1);\n\t\t\tvar profit = Math.max(0, end - start - normalRise - cost);\n\t\t\tvar raw = bracket(profit, EXCESS_TABLE);\n\n\t\t\tvar discountRate = 0;\n\t\t\tif (wrap.querySelector('#bt-ex-owner').checked) {\n\t\t\t\tvar live = Math.floor(parseNum(wrap.querySelector('#bt-ex-live').value));\n\t\t\t\t\/\/ \ubc95 \uc81c14\uc870\uc7582 \uc81c1\ud56d: 6~9\ub144 10~40%, 10\ub144 \uc774\uc0c1 50%, 15\ub144 \uc774\uc0c1 60%, 20\ub144 \uc774\uc0c1 70%\n\t\t\t\tif (live >= 20) discountRate = 0.7;\n\t\t\t\telse if (live >= 15) discountRate = 0.6;\n\t\t\t\telse if (live >= 10) discountRate = 0.5;\n\t\t\t\telse if (live >= 6) discountRate = (live - 5) * 0.1;\n\t\t\t}\n\t\t\tvar discount = raw * discountRate;\n\t\t\tvar final = raw - discount;\n\n\t\t\tvar box = wrap.querySelector('[data-result=\"excess\"]');\n\t\t\tbox.hidden = false;\n\t\t\tbox.querySelector('[data-out=\"final\"]').textContent = fmt(final) + '\uc6d0';\n\t\t\tbox.querySelector('[data-out=\"profit\"]').textContent = fmt(profit) + '\uc6d0';\n\t\t\tbox.querySelector('[data-out=\"raw\"]').textContent = fmt(raw) + '\uc6d0';\n\t\t\tbox.querySelector('[data-out=\"discount\"]').textContent = (discountRate * 100).toFixed(0) + '% (' + fmt(discount) + '\uc6d0)';\n\t\t\tbox.scrollIntoView({ behavior:'smooth', block:'nearest' });\n\t\t}\n\n\t\tfunction calcRemodel(){\n\t\t\tvar cost = parseNum(wrap.querySelector('#bt-rm-cost').value);\n\t\t\tvar income = parseNum(wrap.querySelector('#bt-rm-income').value);\n\t\t\tvar units = parseNum(wrap.querySelector('#bt-rm-units').value);\n\t\t\tvar shareStr = wrap.querySelector('#bt-rm-share').value.trim();\n\t\t\tvar net = Math.max(0, cost - income);\n\t\t\tvar even = units > 0 ? net \/ units : 0;\n\n\t\t\tvar box = wrap.querySelector('[data-result=\"remodel\"]');\n\t\t\tvar err = wrap.querySelector('[data-err=\"remodel\"]');\n\t\t\tvar msg = '';\n\t\t\tif (shareStr) {\n\t\t\t\tvar sh = parseNum(shareStr);\n\t\t\t\tif (!(sh > 0) || sh > 100) msg = '\uc9c0\ubd84\uc728\uc740 0%\ubcf4\ub2e4 \ud06c\uace0 100% \uc774\ud558\ub85c \uc785\ub825\ud574 \uc8fc\uc138\uc694.';\n\t\t\t} else if (!(units > 0)) {\n\t\t\t\tmsg = '\uc870\ud569\uc6d0 \uc218\ub97c \uc785\ub825\ud558\uac70\ub098 \ub0b4 \uc9c0\ubd84\uc728\uc744 \uc785\ub825\ud574 \uc8fc\uc138\uc694.';\n\t\t\t}\n\t\t\terr.textContent = msg;\n\t\t\terr.hidden = !msg;\n\t\t\tif (msg) { box.hidden = true; return; }\n\t\t\tbox.hidden = false;\n\t\t\tbox.querySelector('[data-out=\"net\"]').textContent = fmt(net) + '\uc6d0';\n\t\t\tbox.querySelector('[data-out=\"even\"]').textContent = units > 0 ? fmt(even) + '\uc6d0' : '\u2013';\n\n\t\t\tif (shareStr) {\n\t\t\t\tvar share = parseNum(shareStr);\n\t\t\t\tvar mine = net * (share \/ 100);\n\t\t\t\tbox.querySelector('[data-label=\"remodel\"]').textContent = '\uc608\uc0c1 \ubd84\ub2f4\uae08 (\ub0b4 \uc9c0\ubd84\uc728 ' + share + '%)';\n\t\t\t\tbox.querySelector('[data-out=\"final\"]').textContent = fmt(mine) + '\uc6d0';\n\t\t\t} else {\n\t\t\t\tbox.querySelector('[data-label=\"remodel\"]').textContent = '\uc608\uc0c1 \ubd84\ub2f4\uae08 (\uade0\ub4f1\ubd84\ubc30)';\n\t\t\t\tbox.querySelector('[data-out=\"final\"]').textContent = fmt(even) + '\uc6d0';\n\t\t\t}\n\t\t\tbox.scrollIntoView({ behavior:'smooth', block:'nearest' });\n\t\t}\n\n\t\t\/\/ \uc18c\ub4dd\uc138\ubc95 \uc81c55\uc870 \uc81c1\ud56d \uae30\ubcf8\uc138\uc728 (2023. 1. 1. \uc774\ud6c4 \uc591\ub3c4\ubd84, \ubc95\ub960 \uc81c19196\ud638 \ubd80\uce59 \uc81c19\uc870). base = \uac01 \uad6c\uac04 \ud558\ud55c\uae4c\uc9c0\uc758 \ub204\uc801 \uc138\uc561\n\t\tvar INCOME_TAX_TABLE = [\n\t\t\t{ over: 0,          pct: 6, base: 0 },\n\t\t\t{ over: 14000000,   pct: 15, base: 840000 },\n\t\t\t{ over: 50000000,   pct: 24, base: 6240000 },\n\t\t\t{ over: 88000000,   pct: 35, base: 15360000 },\n\t\t\t{ over: 150000000,  pct: 38, base: 37060000 },\n\t\t\t{ over: 300000000,  pct: 40, base: 94060000 },\n\t\t\t{ over: 500000000,  pct: 42, base: 174060000 },\n\t\t\t{ over: 1000000000, pct: 45, base: 384060000 },\n\t\t];\n\n\t\t\/\/ \uc815\uc218 \uc5f0\uc0b0\uc73c\ub85c \uc6d0 \ub2e8\uc704 \uc808\uc0ac (\ubd80\ub3d9\uc18c\uc218 \uc624\ucc28 \ubc29\uc9c0)\n\t\tfunction incomeTax(b){\n\t\t\tfor (var i = INCOME_TAX_TABLE.length - 1; i >= 0; i--) {\n\t\t\t\tvar t = INCOME_TAX_TABLE[i];\n\t\t\t\tif (b > t.over) return t.base + Math.floor((b - t.over) * t.pct \/ 100);\n\t\t\t}\n\t\t\treturn 0;\n\t\t}\n\n\t\t\/\/ \uc8fc\ud0dd 1\ucc44 \uc591\ub3c4 (\ub4f1\uae30\u00b7\uac70\uc8fc\uc790). \uc785\ub825: sale, buy, fee(\uc6d0), hold, live(\ub144), one(1\uc138\ub300 1\uc8fc\ud0dd \uccb4\ud06c), adj(\ucde8\ub4dd \ub2f9\uc2dc \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed)\n\t\tfunction transferTax(o){\n\t\t\tvar hold = Math.max(0, o.hold);\n\t\t\tvar live = Math.min(Math.max(0, o.live), hold);   \/\/ \uac70\uc8fc\uae30\uac04\uc740 \ubcf4\uc720\uae30\uac04\uc744 \ub118\uc744 \uc218 \uc5c6\uc74c\n\t\t\tvar holdY = Math.floor(hold), liveY = Math.floor(live);\n\t\t\tvar gain = Math.floor(Math.max(0, o.sale - o.buy - o.fee));\n\n\t\t\t\/\/ \uc81c89\uc870 \uc81c1\ud56d \uc81c3\ud638 \u00b7 \uc2dc\ud589\ub839 \uc81c154\uc870 \uc81c1\ud56d: \ubcf4\uc720 2\ub144 \uc774\uc0c1(\uc870\uc815\ub300\uc0c1\uc9c0\uc5ed \ucde8\ub4dd\ubd84\uc740 \uac70\uc8fc 2\ub144 \uc774\uc0c1 \ucd94\uac00)\n\t\t\tvar exemptOk = false;\n\t\t\tif (o.one) { if (holdY >= 2) exemptOk = o.adj ? liveY >= 2 : true; }\n\t\t\tvar taxable = gain, exempt = '\ud574\ub2f9 \uc5c6\uc74c';\n\t\t\tif (exemptOk) {\n\t\t\t\tif (1200000000 >= o.sale) { taxable = 0; exempt = '\ube44\uacfc\uc138 (\uc591\ub3c4\uac00\uc561 12\uc5b5\uc6d0 \uc774\ud558)'; }\n\t\t\t\telse {\n\t\t\t\t\t\/\/ \uc815\uc218 \ub098\ub217\uc148(\uc6d0 \ub2e8\uc704 \uc808\uc0ac). \uacf1\uc774 2^53\uc744 \ub118\uc744 \uc218 \uc788\uc5b4 BigInt \uc0ac\uc6a9\n\t\t\t\t\ttaxable = Number(BigInt(gain) * BigInt(Math.floor(o.sale) - 1200000000) \/ BigInt(Math.floor(o.sale)));\n\t\t\t\t\texempt = '12\uc5b5\uc6d0 \ucd08\uacfc\ubd84\ub9cc \uacfc\uc138 (\uc2dc\ud589\ub839 \uc81c160\uc870 \uc548\ubd84)';\n\t\t\t\t}\n\t\t\t} else if (o.one) {\n\t\t\t\texempt = holdY >= 2 ? '\ube44\uacfc\uc138 \uc694\uac74 \ubbf8\ucda9\uc871 (\uc870\uc815\ub300\uc0c1\uc9c0\uc5ed \ucde8\ub4dd\ubd84 \uac70\uc8fc 2\ub144 \ubbf8\ub9cc)' : '\ube44\uacfc\uc138 \uc694\uac74 \ubbf8\ucda9\uc871 (\ubcf4\uc720 2\ub144 \ubbf8\ub9cc)';\n\t\t\t}\n\n\t\t\t\/\/ \uc81c95\uc870 \uc81c2\ud56d \ud45c1 \/ \ud45c2 (\ud45c2: \uc2dc\ud589\ub839 \uc81c159\uc870\uc7584, 1\uc138\ub300 1\uc8fc\ud0dd + \uac70\uc8fc 2\ub144 \uc774\uc0c1, \ubcf4\uc720 3\ub144 \uc774\uc0c1)\n\t\t\tvar dPct = 0, dKind = '\ubbf8\uc801\uc6a9 (\ubcf4\uc720 3\ub144 \ubbf8\ub9cc)';   \/\/ \uc815\uc218 % (\ubd80\ub3d9\uc18c\uc218 \uc624\ucc28 \ubc29\uc9c0)\n\t\t\tif (holdY >= 3) {\n\t\t\t\tvar t2 = false;\n\t\t\t\tif (o.one) { if (liveY >= 2) t2 = true; }\n\t\t\t\tif (t2) { dPct = (Math.min(holdY, 10) + Math.min(liveY, 10)) * 4; dKind = '\ud45c2 (\ubcf4\uc720 ' + Math.min(holdY, 10) * 4 + '% + \uac70\uc8fc ' + Math.min(liveY, 10) * 4 + '%)'; }\n\t\t\t\telse { dPct = Math.min(holdY, 15) * 2; dKind = '\ud45c1'; }\n\t\t\t}\n\t\t\tvar dRate = dPct \/ 100;                              \/\/ \ud45c\uc2dc\uc6a9\n\t\t\tvar deduction = Math.floor(taxable * dPct \/ 100);\n\t\t\tvar income = taxable - deduction;\n\t\t\tvar basic = Math.min(2500000, income);              \/\/ \uc81c103\uc870 \uae30\ubcf8\uacf5\uc81c \uc5f0 250\ub9cc\uc6d0\n\t\t\tvar base = Math.floor(Math.max(0, income - basic));   \/\/ \uc6d0 \ub2e8\uc704 \uc808\uc0ac\n\n\t\t\t\/\/ \uc81c104\uc870 \uc81c1\ud56d: \uae30\ubcf8\uc138\uc728\uacfc \ub2e8\uae30\uc138\uc728 \uc911 \ud070 \uc138\uc561\n\t\t\tvar general = incomeTax(base), tax = general, kind = '\uae30\ubcf8\uc138\uc728 6~45%';\n\t\t\tif (2 > hold) {\n\t\t\t\tvar sr = 1 > hold ? 0.7 : 0.6;\n\t\t\t\tvar shortTax = Math.floor(base * (sr * 10) \/ 10);\n\t\t\t\tif (shortTax > general) { tax = shortTax; kind = '\ub2e8\uae30\uc138\uc728 ' + (sr * 100) + '% (\ubcf4\uc720 ' + (1 > hold ? '1\ub144 \ubbf8\ub9cc' : '1\ub144 \uc774\uc0c1 2\ub144 \ubbf8\ub9cc') + ')'; }\n\t\t\t}\n\t\t\ttax = Math.floor(tax);\n\t\t\tvar local = Math.floor(tax \/ 10);                     \/\/ \uc9c0\ubc29\uc138\ubc95 \uc81c103\uc870\uc7583: \uc138\uc728\uc758 10\ubd84\uc758 1 (\uc6d0 \ub2e8\uc704 \uc808\uc0ac)\n\t\t\treturn { gain: gain, exempt: exempt, taxable: taxable, dRate: dRate, dKind: dKind, deduction: deduction,\n\t\t\t\tbasic: basic, base: base, tax: tax, kind: kind, local: local, total: tax + local };\n\t\t}\n\n\t\tfunction calcTransfer(){\n\t\t\tvar r = transferTax({\n\t\t\t\tsale: parseNum(wrap.querySelector('#bt-tx-sale').value),\n\t\t\t\tbuy: parseNum(wrap.querySelector('#bt-tx-buy').value),\n\t\t\t\tfee: parseNum(wrap.querySelector('#bt-tx-fee').value),\n\t\t\t\thold: parseNum(wrap.querySelector('#bt-tx-hold').value),\n\t\t\t\tlive: parseNum(wrap.querySelector('#bt-tx-live').value),\n\t\t\t\tone: wrap.querySelector('#bt-tx-one').checked,\n\t\t\t\tadj: wrap.querySelector('#bt-tx-adj').checked\n\t\t\t});\n\t\t\tvar box = wrap.querySelector('[data-result=\"transfer\"]');\n\t\t\tbox.hidden = false;\n\t\t\tvar out = function(k, v){ box.querySelector('[data-out=\"' + k + '\"]').textContent = v; };\n\t\t\tout('final', fmt(r.total) + '\uc6d0');\n\t\t\tout('gain', fmt(r.gain) + '\uc6d0');\n\t\t\tout('exempt', r.exempt);\n\t\t\tout('taxable', fmt(r.taxable) + '\uc6d0');\n\t\t\tout('deduction', (r.dRate * 100).toFixed(0) + '% ' + r.dKind + ' (' + fmt(r.deduction) + '\uc6d0)');\n\t\t\tout('basic', fmt(r.basic) + '\uc6d0');\n\t\t\tout('base', fmt(r.base) + '\uc6d0');\n\t\t\tout('ratekind', r.kind);\n\t\t\tout('incometax', fmt(r.tax) + '\uc6d0');\n\t\t\tout('localtax', fmt(r.local) + '\uc6d0');\n\t\t\tout('total', fmt(r.total) + '\uc6d0');\n\t\t\tbox.scrollIntoView({ behavior:'smooth', block:'nearest' });\n\t\t}\n\n\t\twrap.querySelector('[data-calc=\"excess\"]').addEventListener('click', calcExcess);\n\t\twrap.querySelector('[data-calc=\"remodel\"]').addEventListener('click', calcRemodel);\n\t\twrap.querySelector('[data-calc=\"transfer\"]').addEventListener('click', calcTransfer);\n\t})();\n\t<\/script>\n\t\n\n\n\n<div class=\"wp-block-group bc-aeo-guide bc-aeo-tool has-global-padding is-layout-constrained wp-container-core-group-is-layout-896991be wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">\uacc4\uc0b0\uae30 \ubaa8\uc74c \uc548\ub0b4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc774 \ud398\uc774\uc9c0\uc5d0\uc11c\ub294 \uc7ac\uac74\ucd95\ucd08\uacfc\uc774\uc775 \ubd80\ub2f4\uae08(\uc7ac\ucd08\ud658), \ub9ac\ubaa8\ub378\ub9c1 \ubd84\ub2f4\uae08, \uc591\ub3c4\uc18c\ub4dd\uc138\ub97c \uac1c\ub7b5\uc801\uc73c\ub85c \ucd94\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong> \ubaa8\ub4e0 \uacb0\uacfc\ub294 \uc785\ub825\uac12\uc5d0 \ub530\ub978 \ucc38\uace0\uc6a9 \ucd94\uc815\uce58\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc7ac\uac74\ucd95\ucd08\uacfc\uc774\uc775 \ubd80\ub2f4\uae08(\uc7ac\ucd08\ud658)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc7ac\uac74\ucd95 \uc0ac\uc5c5\uc5d0\uc11c \uc77c\uc815 \uae30\uc900\uc744 \ub118\ub294 \ucd08\uacfc\uc774\uc775\uc758 \uc77c\ubd80\ub97c \ud658\uc218\ud558\ub294 \ubd80\ub2f4\uae08\uc785\ub2c8\ub2e4. \uc870\ud569\uc6d0 \ubd84\uc591\uac00\uc640 \uad8c\ub9ac\uac00\uc561\uc758 \ucc28\uc774\uc778 \ubd84\ub2f4\uae08\uacfc\ub294 \ubcc4\ub3c4\ub85c \ubd80\uacfc\ub420 \uc218 \uc788\uc73c\uba70, \uba74\uc81c \uae30\uc900\uacfc \ubd80\uacfc\uc728\uc740 \ubc95\ub839 \uac1c\uc815\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ub9ac\ubaa8\ub378\ub9c1 \ubd84\ub2f4\uae08<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9ac\ubaa8\ub378\ub9c1\uc740 \uae30\uc874 \uac74\ubb3c\uc744 \ud5c8\ubb3c\uc9c0 \uc54a\uace0 \uc99d\ucd95\u00b7\ub300\uc218\uc120\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c, \uc7ac\uac74\ucd95\uacfc \ub2ec\ub9ac \ube44\ub840\uc728 \ub300\uc2e0 \uacf5\uc0ac\ube44\uc640 \uc99d\ucd95 \uba74\uc801, \uc77c\ubc18\ubd84\uc591 \uc218\uc785 \ub4f1\uc744 \ubc14\ud0d5\uc73c\ub85c \uc138\ub300\ubcc4 \ubd84\ub2f4\uae08\uc744 \uc0b0\uc815\ud558\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc591\ub3c4\uc18c\ub4dd\uc138<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\ud0dd\u00b7\uc870\ud569\uc6d0\uc785\uc8fc\uad8c \ub4f1 \ubd80\ub3d9\uc0b0\uc744 \ud314\uc544 \uc0dd\uae34 \uc591\ub3c4\ucc28\uc775\uc5d0 \ubd80\uacfc\ub418\ub294 \uc138\uae08\uc785\ub2c8\ub2e4. \ubcf4\uc720\u00b7\uac70\uc8fc \uae30\uac04, \uc8fc\ud0dd \uc218, \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed \uc5ec\ubd80 \ub4f1\uc5d0 \ub530\ub77c \uc138\uc728\uacfc \uacf5\uc81c\uac00 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc774 \uacc4\uc0b0\uae30\ub294 2023\ub144 1\uc6d4 1\uc77c \uc774\ud6c4 \uc591\ub3c4\ubd84 \uae30\uc900\uc138\uc728\ub85c <strong>\ub4f1\uae30\ub41c \uc8fc\ud0dd 1\ucc44<\/strong>\ub97c \uc591\ub3c4\ud558\ub294 \uacbd\uc6b0\ub9cc \uacc4\uc0b0\ud558\uba70, \uc870\ud569\uc6d0\uc785\uc8fc\uad8c\u00b7\ubd84\uc591\uad8c\uacfc \ub2e4\uc8fc\ud0dd \uc911\uacfc\ub294 \uc9c0\uc6d0\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc2e0\uace0 \uc804\uc5d0\ub294 \uad6d\uc138\uccad \ub610\ub294 \uc138\ubb34 \uc804\ubb38\uac00\uc5d0\uac8c \ud655\uc778\ud558\uc138\uc694.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/?page_id=4\">\ucd94\uc815\ubd84\ub2f4\uae08 \uacc4\uc0b0\uae30<\/a> \u00b7 <a href=\"\/\">\ubd84\ub2f4\uae08 \uac00\uc774\ub4dc\uc640 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd94\uc815\ubd84\ub2f4\uae08(\uad8c\ub9ac\uac00\uc561\u00b7\ube44\ub840\uc728) \uacc4\uc0b0 \uc6d0\ub9ac\ub294 <a href=\"\/?p=1\">\ucd94\uc815\ubd84\ub2f4\uae08 \uacc4\uc0b0 \ubc29\ubc95: \uad8c\ub9ac\uac00\uc561\u00b7\ube44\ub840\uc728 \uacf5\uc2dd\uacfc \uac00\uc0c1 \uacc4\uc0b0 \uc608\uc2dc<\/a> \uae00\uc744 \ucc38\uace0\ud558\uc138\uc694.<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">\ucd5c\uc885 \uc5c5\ub370\uc774\ud2b8: <time datetime=\"2026-10-05\">2026-10-05<\/time><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc548\ub0b4:<\/strong> \uc774 \uc0ac\uc774\ud2b8\uc758 \uacc4\uc0b0 \uacb0\uacfc\uc640 \uc124\uba85\uc740 \uc774\ud574\ub97c \ub3d5\uae30 \uc704\ud55c <strong>\ucd94\uc815\uce58\u00b7\uc77c\ubc18 \uc815\ubcf4<\/strong>\uc785\ub2c8\ub2e4. \uc2e4\uc81c \ubd84\ub2f4\uae08\uc740 \uc870\ud569\uc774 \uc218\ub9bd\ud558\uace0 \uc778\uac00\ubc1b\uc740 <strong>\uad00\ub9ac\ucc98\ubd84\uacc4\ud68d<\/strong>\uacfc \uac10\uc815\ud3c9\uac00 \uacb0\uacfc, \uc774\ud6c4\uc758 \uc0ac\uc5c5\ube44 \ubcc0\ub3d9\u00b7\uccad\uc0b0 \uacb0\uacfc\uc5d0 \ub530\ub77c \uc815\ud574\uc9c0\ubbc0\ub85c \ubc18\ub4dc\uc2dc \uc18c\uc18d \uc870\ud569 \ub610\ub294 \uad00\ud560 \uc9c0\uc790\uccb4 \uc790\ub8cc\ub85c \ud655\uc778\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uc138\uae08\u00b7\ubd80\ub2f4\uae08\uc740 \ubc95\ub839 \uac1c\uc815\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc5b4 \uc138\ubb34\u00b7\ubc95\ub960 \uc804\ubb38\uac00 \uc0c1\ub2f4\uc744 \uad8c\ud569\ub2c8\ub2e4.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\uc7ac\uac74\ucd95\ucd08\uacfc\uc774\uc775 \ubd80\ub2f4\uae08(\uc7ac\ucd08\ud658), \ub9ac\ubaa8\ub378\ub9c1 \ubd84\ub2f4\uae08, \uc591\ub3c4\uc18c\ub4dd\uc138\ub97c \uac1c\ub7b5\uc801\uc73c\ub85c \ucd94\uc815\ud558\ub294 \uacc4\uc0b0\uae30 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