{"id":42502,"date":"2026-02-14T06:31:46","date_gmt":"2026-02-14T06:31:46","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/montenegro-home-mortgage-finance-market-mordor\/"},"modified":"2026-10-02T01:52:07","modified_gmt":"2026-10-01T16:52:07","slug":"montenegro-home-mortgage-finance-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/montenegro-home-mortgage-finance-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \ubaac\ud14c\ub124\uadf8\ub85c \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c \uae08\uc735 \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc608\uce21 (2025-2030\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/montenegro-home-mortgage-finance-market_1669200112035_28.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/montenegro-home-mortgage-finance-market-size-image-1735468862610.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-0\">1. \uc11c\ub860<\/p>\n<ul>\n<li class=\"toc-level-2\">1.1 \uc5f0\uad6c \uac00\uc815 \ubc0f \uc2dc\uc7a5 \uc815\uc758<\/li>\n<li class=\"toc-level-2\">1.2 \uc5f0\uad6c \ubc94\uc704<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-1\">2. \uc5f0\uad6c \ubc29\ubc95\ub860<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-2\">3. \uc694\uc57d<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-3\">4. \uc2dc\uc7a5 \uc5ed\ud559 \ubc0f \ud1b5\ucc30\ub825<\/p>\n<ul>\n<li class=\"toc-level-2\">4.1 \uc2dc\uc7a5 \uac1c\uc694<\/li>\n<li class=\"toc-level-2\">4.2 \uc2dc\uc7a5 \ub3d9\uc778<\/li>\n<li class=\"toc-level-2\">4.3 \uc2dc\uc7a5 \uc81c\uc57d<\/li>\n<li class=\"toc-level-2\">4.4 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1\uc694\uc778 \ubd84\uc11d\n<ul>\n<li class=\"toc-level-3\">4.4.1 \uacf5\uae09\uc5c5\uccb4\uc758 \ud611\uc0c1\ub825<\/li>\n<li class=\"toc-level-3\">4.4.2 \uad6c\ub9e4\uc790\/\uc18c\ube44\uc790\uc758 \ud611\uc0c1\ub825<\/li>\n<li class=\"toc-level-3\">4.4.3 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.4.4 \ub300\uccb4 \uc81c\ud488\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.4.5 \uacbd\uc7c1 \uac15\ub3c4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.5 COVID-19\uac00 \uc2dc\uc7a5\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5<\/li>\n<li class=\"toc-level-2\">4.6 \uae30\uc220 \ubc1c\uc804<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \uc2dc\uc7a5 \uc138\ubd84\ud654<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \uc560\ud50c\ub9ac\ucf00\uc774\uc158\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc8fc\ud0dd \uad6c\ub9e4<\/li>\n<li class=\"toc-level-3\">5.1.2 \uc7ac\uc735\uc790<\/li>\n<li class=\"toc-level-3\">5.1.3 \uc8fc\ud0dd \uac1c\ub7c9<\/li>\n<li class=\"toc-level-3\">5.1.4 \uae30\ud0c0<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \uc81c\uacf5\uc5c5\uccb4\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc8fc\ud0dd \uae08\uc735 \ud68c\uc0ac<\/li>\n<li class=\"toc-level-3\">5.2.3 \ubd80\ub3d9\uc0b0 \uc911\uac1c\uc778<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uae08\ub9ac\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uace0\uc815 \uae08\ub9ac \ubaa8\uae30\uc9c0 \ub300\ucd9c<\/li>\n<li class=\"toc-level-3\">5.3.2 \ubcc0\ub3d9 \uae08\ub9ac \ubaa8\uae30\uc9c0 \ub300\ucd9c<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4 \uac1c\uc694<\/li>\n<li class=\"toc-level-2\">6.2 \ud68c\uc0ac \ud504\ub85c\ud544\n<ul>\n<li class=\"toc-level-3\">6.2.1 \uc5d0\ub974\uc2a4\ud14c \uc740\ud589 \ubaac\ud14c\ub124\uadf8\ub85c<\/li>\n<li class=\"toc-level-3\">6.2.2 \ub85c\ube0c\uccb8 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.2.3 \ud37c\uc2a4\ud2b8 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.2.4 \ud06c\ub974\ub178\uace0\ub974\uc2a4\uce74 \ucf54\uba54\ub974\uc2dc\uc798\ub098 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.2.5 \uc9c0\ub77c\ud2b8 \uc740\ud589 \ubaac\ud14c\ub124\uadf8\ub85c*<\/li>\n<\/ul>\n<\/li>\n<li><strong>*\ubaa9\ub85d\uc740 \uc804\uccb4\uac00 \uc544\ub2d8<\/strong><\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-6\">7. \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \ub3d9\ud5a5<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-7\">8. \uba74\ucc45 \uc870\ud56d \ubc0f \ud68c\uc0ac \uc18c\uac1c<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubaac\ud14c\ub124\uadf8\ub85c \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uae08\uc735 \uc2dc\uc7a5\uc740 2025\ub144\ubd80\ud130 2030\ub144\uae4c\uc9c0\uc758 \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uc5f0\ud3c9\uade0 8.00%\ub97c \ucd08\uacfc\ud558\ub294 \uacac\uace0\ud55c \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ubcf8 \ubcf4\uace0\uc11c\ub294 \uc8fc\ud0dd \uad6c\ub9e4, \uc7ac\uc735\uc790, \uc8fc\ud0dd \uac1c\ub7c9 \ubc0f \uae30\ud0c0 \ubaa9\uc801\uc5d0 \ub530\ub978 \uc560\ud50c\ub9ac\ucf00\uc774\uc158, \uc740\ud589, \uc8fc\ud0dd \uae08\uc735 \ud68c\uc0ac \ubc0f \ubd80\ub3d9\uc0b0 \uc911\uac1c\uc778\uacfc \uac19\uc740 \uc81c\uacf5\uc5c5\uccb4, \uadf8\ub9ac\uace0 \uace0\uc815 \uae08\ub9ac \ubaa8\uae30\uc9c0 \ub300\ucd9c \ubc0f \ubcc0\ub3d9 \uae08\ub9ac \ubaa8\uae30\uc9c0 \ub300\ucd9c\uacfc \uac19\uc740 \uc774\uc790\uc728 \uc720\ud615\ubcc4\ub85c \uc2dc\uc7a5\uc744 \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4. \uc2dc\uc7a5 \uaddc\ubaa8\ub294 \ubbf8\ud654 10\uc5b5 \ub2ec\ub7ec \ub2e8\uc704\uc758 \uac00\uce58\ub85c \uc81c\uc2dc\ub418\uba70, 2020\ub144\ubd80\ud130 2023\ub144\uae4c\uc9c0\uc758 \uacfc\uac70 \ub370\uc774\ud130\uc640 2025\ub144\ubd80\ud130 2030\ub144\uae4c\uc9c0\uc758 \uc608\uce21 \ub370\uc774\ud130\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4. \ud604\uc7ac \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 &#8216;\uc911\uac04&#8217; \uc218\uc900\uc73c\ub85c \ud3c9\uac00\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc8fc\uc694 \ub3d9\uc778<\/p>\n<p>\ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc740 \uae08\uc735 \uc11c\ube44\uc2a4 \ubd80\ubb38\uc5d0 \uc0c1\ub2f9\ud55c \ubd80\uc815\uc801 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4. \uac1c\uc778\uc758 \ubd80\ucc44 \uc218\uc900, \ud2b9\ud788 \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \ubd80\ucc44\ub294 \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\uba70 \uc784\uae08 \uac10\uc18c\ub098 \uc190\uc2e4 \uc2dc \uac1c\uc778\uc758 \uc7ac\uc815 \uac74\uc804\uc131\uc5d0 \ub9c9\ub300\ud55c \uc601\ud5a5\uc744 \uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uae30\uad00\uc758 \uacbd\uc6b0, \ubaa8\uae30\uc9c0\ub294 \uc18c\ub9e4 \uae08\uc735 \uc790\uc0b0 \uc911 \uac00\uc7a5 \uc911\uc694\ud55c \ubd80\ubd84\uc744 \ucc28\uc9c0\ud558\ubbc0\ub85c, \ub300\ucd9c \uc2e4\ud589, \uc0c1\ud658 \uc77c\uc815 \ubc0f \ucc44\ubb34 \ubd88\uc774\ud589\ub960\uc758 \ubcc0\ud654\ub294 \uc218\uc775\uc131\uacfc \uc720\ub3d9\uc131\uc5d0 \uc911\ub300\ud55c \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubaac\ud14c\ub124\uadf8\ub85c\uc5d0\uc11c \ubd80\ub3d9\uc0b0\uc744 \uad6c\ub9e4\ud560 \ub54c \ube44\uac70\uc8fc\uc790\uc758 \ub300\ucd9c \ud655\ubcf4\ub294 \uc5ec\uc804\ud788 \uc5b4\ub824\uc6b4 \uacfc\uc81c\ub85c \ub0a8\uc544\uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc8fc\ud0dd \ub300\ucd9c \uc11c\ube44\uc2a4\uc758 \uac04\uc18c\ud654\uc5d0 \ub300\ud55c \ud544\uc694\uc131 \uc99d\uac00\uc640 \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uc704\ud55c \uac00\ucc98\ubd84 \uc18c\ub4dd \uc99d\uac00\ub294 \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uc774 \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uacac\uc778\ud560 \uc8fc\uc694 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ubaac\ud14c\ub124\uadf8\ub85c\ub294 \uc548\uc815\uc801\uc778 \ud1b5\ud654, \ub0ae\uc740 \ubd80\ub3d9\uc0b0 \uc138\uc728, \ubd80\ub3d9\uc0b0 \uad6c\ub9e4\ub97c \ud1b5\ud55c \uac70\uc8fc\uad8c \ubc0f \ud22c\uc790\ub97c \ud1b5\ud55c \uc2dc\ubbfc\uad8c \ud68d\ub4dd \uae30\ud68c\ub97c \uc81c\uacf5\ud558\uc5ec \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ub9e4\ub825\uc801\uc778 \ud22c\uc790\ucc98\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \ud1b5\ucc30<\/p>\n<p>*   \ubaac\ud14c\ub124\uadf8\ub85c \uad00\uad11 \uc0b0\uc5c5 \uc131\uc7a5\uc774 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uacac\uc778\ud560 \uac83\uc73c\ub85c \uc608\uc0c1:<br \/>\n    \ubaac\ud14c\ub124\uadf8\ub85c\uc758 \uad00\uad11 \uc0b0\uc5c5 \uc131\uc7a5\uc740 \ud2b9\ud788 \ud574\uc548 \uc9c0\uc5ed\uacfc \uac19\uc774 \uad00\uad11\uac1d\ub4e4\uc5d0\uac8c \uc778\uae30 \uc788\ub294 \uc9c0\uc5ed\uc758 \ubd80\ub3d9\uc0b0 \uc218\uc694\ub97c \uc99d\uac00\uc2dc\ud0b4\uc73c\ub85c\uc368 \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uc2dc\uc7a5\uc5d0 \uac04\uc811\uc801\uc73c\ub85c \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ub354 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ubaac\ud14c\ub124\uadf8\ub85c\ub97c \ubc29\ubb38\ud558\uace0 \ubd80\ub3d9\uc0b0 \uad6c\ub9e4\uc5d0 \uad00\uc2ec\uc744 \uac00\uc9c0\uba74\uc11c, \uc774\ub7ec\ud55c \uad6c\ub9e4\ub97c \uc704\ud55c \ubaa8\uae30\uc9c0 \uc218\uc694\uac00 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc99d\uac00\ud558\uac8c \ub429\ub2c8\ub2e4. \uc774\ub294 \uacb0\uacfc\uc801\uc73c\ub85c \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uc2dc\uc7a5\uc758 \uc804\ubc18\uc801\uc778 \uc131\uc7a5\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4.<br \/>\n    \ub098\uc544\uac00 \uad00\uad11 \uc0b0\uc5c5\uc758 \uc131\uc7a5\uc740 \ubaac\ud14c\ub124\uadf8\ub85c\uc758 \uc804\ubc18\uc801\uc778 \uacbd\uc81c \ud65c\ub3d9\uacfc \uace0\uc6a9 \uae30\ud68c\ub97c \uc99d\ub300\uc2dc\ucf1c \uad6d\uac00 \uacbd\uc81c\ub97c \ud65c\uc131\ud654\ud558\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4. \uacbd\uc81c\uac00 \uac15\ud654\ub418\uba74 \ubaa8\uae30\uc9c0 \uae08\uc735\uc758 \uac00\uc6a9\uc131 \uc99d\uac00 \ubc0f \uc774\uc790\uc728 \ud558\ub77d\uacfc \uac19\uc740 \ubcf4\ub2e4 \uc720\ub9ac\ud55c \ub300\ucd9c \ud658\uacbd\uc774 \uc870\uc131\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubaac\ud14c\ub124\uadf8\ub85c \uc815\ubd80\ub294 \uad00\uad11 \ud504\ub85c\uc81d\ud2b8\uc5d0 \ub300\ud55c \ud22c\uc790 \uc778\uc13c\ud2f0\ube0c \uc81c\uacf5, \uad00\uad11 \uc9c0\uc5ed\uc758 \uc778\ud504\ub77c \ubc0f \uc11c\ube44\uc2a4 \uac1c\ubc1c \ub4f1 \uad00\uad11 \uc9c4\ud765 \uc815\ucc45\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ucd94\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc815\ucc45\ub4e4\uc740 \uacbd\uc81c \uc131\uc7a5\uacfc \ubc1c\uc804\uc744 \ucd09\uc9c4\ud568\uc73c\ub85c\uc368 \uac04\uc811\uc801\uc73c\ub85c \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uc2dc\uc7a5\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacb0\ub860\uc801\uc73c\ub85c, \ubaac\ud14c\ub124\uadf8\ub85c \uad00\uad11 \uc0b0\uc5c5\uc758 \uc131\uc7a5\uc740 \ubd80\ub3d9\uc0b0 \uc218\uc694 \uc99d\uac00\uc640 \uacbd\uc81c \ubc1c\uc804 \ucd09\uc9c4\uc744 \ud1b5\ud574 \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uc2dc\uc7a5\uc744 \uac04\uc811\uc801\uc73c\ub85c \uc9c0\uc6d0\ud558\ub294 \uc911\uc694\ud55c \ub3d9\uc778\uc785\ub2c8\ub2e4.<\/p>\n<p>*   \uc8fc\ud0dd \uac00\uaca9 \uc0c1\uc2b9\uc774 \uc8fc\ud0dd \uae08\uc735 \uc758\uc874\ub3c4\ub97c \uc99d\uac00\uc2dc\ud0ac \uac83\uc73c\ub85c \uc608\uc0c1:<br \/>\n    \ubc1c\uce78 \ubc18\ub3c4\uc5d0 \uc704\uce58\ud55c \ubaac\ud14c\ub124\uadf8\ub85c\ub294 \uc628\ud654\ud55c \uc9c0\uc911\ud574\uc131 \uae30\ud6c4\uc640 \ubaa8\ub798 \ud574\ubcc0, \ubc14\uc704 \uc808\ubcbd\uc5d0\uc11c \uc0b0\uc545 \uc9c0\uc5ed\uc5d0 \uc774\ub974\ub294 \ub2e4\uc591\ud55c \uacbd\uad00\uc744 \uc790\ub791\ud569\ub2c8\ub2e4. \ucd5c\uadfc \uc8fc\ud0dd \uac00\uaca9\uc774 \uc18c\ud3ed \uc0c1\uc2b9\ud558\uba74\uc11c \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uc704\ud55c \ubaa8\uae30\uc9c0 \uc218\uc694\uac00 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\ud0dd \uac00\uaca9\uc774 \uc0c1\uc2b9\ud558\uba74 \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uc704\ud55c \uacc4\uc57d\uae08\uc73c\ub85c \ud544\uc694\ud55c \uc800\ucd95\uc561 \ub610\ud55c \uc99d\uac00\ud558\uac8c \ub418\uc5b4, \uc77c\ubd80 \uac1c\uc778\uc740 \ubaa8\uae30\uc9c0 \uc5c6\uc774\ub294 \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\uae30 \ub354\uc6b1 \uc5b4\ub824\uc6cc\uc9d1\ub2c8\ub2e4. \uc774\ub294 \ud2b9\ud788 \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \ubaa8\uae30\uc9c0 \uc218\uc694\ub97c \uc99d\uac00\uc2dc\ud0a4\ub294 \uc694\uc778\uc774 \ub429\ub2c8\ub2e4.<br \/>\n    \ub610\ud55c, \uc8fc\ud0dd \uac00\uaca9 \uc0c1\uc2b9\uc740 \uc8fc\ud0dd \uc18c\uc720\uc790\ub4e4\uc774 \ubcf4\uc720\ud55c \uc8fc\ud0dd \uc790\uc0b0 \uac00\uce58(equity)\ub97c \uc99d\uac00\uc2dc\ud0ac \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc8fc\ud0dd \uc18c\uc720\uc790\ub4e4\uc774 \ub2e4\ub978 \uc9c0\ucd9c\uc744 \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c\uc774\ub098 \uc2e0\uc6a9 \ud55c\ub3c4 \ub300\ucd9c\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc744 \ub354\uc6b1 \ub9e4\ub825\uc801\uc73c\ub85c \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n    \uadf8\ub7ec\ub098 \uc8fc\ud0dd \uac00\uaca9 \uc0c1\uc2b9\uc740 \uac1c\ubc1c\uc5c5\uc790\ub4e4\uc774 \uc99d\uac00\ud558\ub294 \uc218\uc694\ub97c \ucda9\uc871\uc2dc\ud0a4\uae30 \uc704\ud574 \ub354 \ub9ce\uc740 \uc8fc\ud0dd\uc744 \uac74\uc124\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\uc5ec \uc8fc\ud0dd \uacf5\uae09\uc744 \uc99d\uac00\uc2dc\ud0ac \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uac00\uaca9 \uc0c1\uc2b9\uc744 \uc644\ud654\ud558\uace0 \uc804\ubc18\uc801\uc778 \uc8fc\ud0dd \uae08\uc735 \uc758\uc874\ub3c4\ub97c \uc904\uc774\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc804\ubc18\uc801\uc73c\ub85c, \ubaac\ud14c\ub124\uadf8\ub85c\uc758 \uc8fc\ud0dd \uac00\uaca9 \uc0c1\uc2b9\uc740 \ud2b9\ud788 \uccab \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uace0\ub824\ud558\uac70\ub098 \uae30\uc874 \uc8fc\ud0dd\uc758 \uc790\uc0b0\uc744 \ud65c\uc6a9\ud558\ub824\ub294 \uc0ac\ub78c\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc8fc\ud0dd \uae08\uc735 \uc758\uc874\ub3c4\ub97c \uc99d\uac00\uc2dc\ud0ac \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd<\/p>\n<p>\ubaac\ud14c\ub124\uadf8\ub85c \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uae08\uc735 \uc2dc\uc7a5\uc740 \uc18c\uc218\uc758 \ub300\ud615 \uae30\uc5c5\uc774 \uc2dc\uc7a5\uc744 \uc9c0\ubc30\ud558\ub294 \uc9d1\uc911\ub41c \uc2dc\uc7a5 \uad6c\uc870\ub97c \ubcf4\uc785\ub2c8\ub2e4. \uc0c1\uc704 5\uac1c \uc8fc\uc694 \uc740\ud589\uc774 \uc804\uccb4 \uc740\ud589 \ub300\ucd9c\uc758 \uc57d 80%\ub97c \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \ud615\ud0dc\ub85c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc694 \uc2dc\uc7a5 \ucc38\uc5ec\uc790\ub85c\ub294 Erste Bank Montenegro, Lov\u0107en Bank, First Bank, Crnogorska Komercijalna Banka, \uadf8\ub9ac\uace0 Ziraat Bank Montenegro\uac00 \uc788\uc2b5\ub2c8\ub2e4. (\uc8fc\uc694 \ud50c\ub808\uc774\uc5b4\ub294 \ud2b9\uc815 \uc21c\uc11c \uc5c6\uc774 \ub098\uc5f4\ub418\uc5c8\uc2b5\ub2c8\ub2e4.)<\/p>\n<p>\ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5<\/p>\n<p>*   2022\ub144 10\uc6d4: \ubaac\ud14c\ub124\uadf8\ub85c\uc758 Erste Bank Podgorica\ub294 \ub9ac\uc2a4 \ud68c\uc0ac\uc778 S-Leasing Podgorica\uc758 \uc790\ubcf8 100%\ub97c \ube44\uc5d4\ub098 \uae30\ubc18\uc758 Erste Group Immorent International Holding\uacfc \uadf8\ub77c\uce20 \uae30\ubc18\uc758 Steiermaerkische Bank und Sparkassen\uc73c\ub85c\ubd80\ud130 \uc778\uc218\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uae08\uc735 \uc11c\ube44\uc2a4 \ubd80\ubb38 \ub0b4\uc5d0\uc11c\uc758 \ud1b5\ud569 \ubc0f \ud655\uc7a5\uc744 \ubcf4\uc5ec\uc8fc\ub294 \uc0ac\ub840\ub85c, \ud5a5\ud6c4 \ubaa8\uae30\uc9c0 \uc0c1\ud488 \ub610\ub294 \uad00\ub828 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   2022\ub144 2\uc6d4: \uc720\ub7fd\ubd80\ud765\uac1c\ubc1c\uc740\ud589(EBRD)\uc740 \ubaac\ud14c\ub124\uadf8\ub85c\uc758 Lovcen Banka\uc5d0 400\ub9cc \uc720\ub85c(\ubbf8\ud654 450\ub9cc \ub2ec\ub7ec) \uaddc\ubaa8\uc758 \uc2e0\uc6a9 \ud55c\ub3c4\ub97c \uc81c\uacf5\ud558\uc5ec \uc9c0\uc5ed \uc911\uc18c\uae30\uc5c5(SME)\uc758 \uacbd\uc7c1\ub825\uc744 \uc9c0\uc6d0\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uc2e0\uc6a9 \ud55c\ub3c4\ub294 \ubaac\ud14c\ub124\uadf8\ub85c \uacbd\uc81c\uc758 \ud32c\ub370\ubbf9 \uc774\ud6c4 \ud68c\ubcf5\uc744 \uc9c0\uc6d0\ud558\uace0 \uc911\uc7a5\uae30\uc801\uc778 \ud68c\ubcf5\ub825\uc744 \uac15\ud654\ud558\ub294 \ub370 \uae30\uc5ec\ud560 \uac83\uc785\ub2c8\ub2e4. \uc911\uc18c\uae30\uc5c5 \ubd80\ubb38\uc758 \uac15\ud654\ub294 \uace0\uc6a9 \ucc3d\ucd9c \ubc0f \uc18c\ub4dd \uc548\uc815\uc131\uc744 \ud1b5\ud574 \uac04\uc811\uc801\uc73c\ub85c \ubaa8\uae30\uc9c0 \uc2dc\uc7a5\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \ubaac\ud14c\ub124\uadf8\ub85c \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uae08\uc735 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc8fc\ud0dd \uae08\uc735\uc740 \ucd5c\uc885 \uc0ac\uc6a9\uc790\uac00 \uc8fc\ud0dd\uc774\ub098 \ud1a0\uc9c0\uc640 \uac19\uc740 \uc0c8\ub85c\uc6b4 \ubd80\ub3d9\uc0b0\uc744 \uad6c\ub9e4\ud560 \uc218 \uc788\ub3c4\ub85d \uc790\uae08\uc744 \uc9c0\uc6d0\ud558\ub294 \ub300\ucd9c \uc11c\ube44\uc2a4\ub85c \uc815\uc758\ub429\ub2c8\ub2e4. \uc774\ub294 \uac1c\uc778\uacfc \uae30\uc5c5\uc774 \uc804\uccb4 \uad6c\ub9e4 \uac00\uaca9\uc744 \ud55c \ubc88\uc5d0 \uc9c0\ubd88\ud558\uc9c0 \uc54a\uace0\ub3c4 \uc8fc\ud0dd\uc744 \ucde8\ub4dd\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0, \ucc28\uc6a9\uc778\uc740 \uc6d0\uae08\uacfc \uc774\uc790\ub97c \uc815\ud574\uc9c4 \uae30\uac04 \ub3d9\uc548 \uc0c1\ud658\ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\uace0\uc11c\ub294 \ubaac\ud14c\ub124\uadf8\ub85c \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uae08\uc735 \uc2dc\uc7a5\uc744 \uc5ec\ub7ec \ud575\uc2ec \uc138\uadf8\uba3c\ud2b8\ub85c \ubd84\ub958\ud558\uc5ec \uc2ec\uce35\uc801\uc73c\ub85c \ubd84\uc11d\ud569\ub2c8\ub2e4.<br \/>\n*   \uc801\uc6a9 \ubd84\uc57c\ubcc4: \uc8fc\ud0dd \uad6c\ub9e4(Home Purchase), \uc7ac\uc735\uc790(Refinance), \uc8fc\ud0dd \uac1c\ub7c9(Home Improvement), \uae30\ud0c0(Others)\ub85c \ub098\ub269\ub2c8\ub2e4.<br \/>\n*   \uc81c\uacf5\uc5c5\uccb4\ubcc4: \uc740\ud589(Banks), \uc8fc\ud0dd \uae08\uc735 \ud68c\uc0ac(Housing Finance Companies), \ubd80\ub3d9\uc0b0 \uc911\uac1c\uc778(Real Estate Agents)\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.<br \/>\n*   \uc774\uc790\uc728 \uc720\ud615\ubcc4: \uace0\uc815 \uae08\ub9ac \ubaa8\uae30\uc9c0 \ub300\ucd9c(Fixed Rate Mortgage Loan)\uacfc \ubcc0\ub3d9 \uae08\ub9ac \ubaa8\uae30\uc9c0 \ub300\ucd9c(Adjustable Rate Mortgage Loan)\ub85c \uad6c\ubd84\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ubcf4\uace0\uc11c\ub294 \uc704\uc5d0 \uc5b8\uae09\ub41c \ubaa8\ub4e0 \uc138\uadf8\uba3c\ud2b8\uc5d0 \ub300\ud574 \ubaac\ud14c\ub124\uadf8\ub85c \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uae08\uc735 \uc2dc\uc7a5\uc758 \uaddc\ubaa8\uc640 \uc608\uce21\uce58\ub97c USD \uc2ed\uc5b5 \ub2e8\uc704\uc758 \uac00\uce58\ub85c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc2dc\uc7a5\uc758 \uacfc\uac70 \ub370\uc774\ud130\ub294 2020\ub144\ubd80\ud130 2024\ub144\uae4c\uc9c0\ub97c \ub2e4\ub8e8\uba70, \uc608\uce21 \uae30\uac04\uc740 2025\ub144\ubd80\ud130 2030\ub144\uae4c\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \ubd84\uc11d \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, \ubaac\ud14c\ub124\uadf8\ub85c \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uae08\uc735 \uc2dc\uc7a5\uc740 \uc608\uce21 \uae30\uac04(2025-2030\ub144) \ub3d9\uc548 8% \uc774\uc0c1\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc774\ub294 \uc2dc\uc7a5\uc758 \uacac\uace0\ud55c \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\uace0\uc11c\ub294 \uc2dc\uc7a5 \uc5ed\ud559 \ubc0f \ud1b5\ucc30\ub825\uc5d0 \ub300\ud55c \uc2ec\uce35\uc801\uc778 \ubd84\uc11d\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uc2dc\uc7a5 \uac1c\uc694, \uc8fc\uc694 \ub3d9\uc778, \uc81c\uc57d \uc694\uc778, \uadf8\ub9ac\uace0 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d(\uacf5\uae09\uc5c5\uccb4 \ubc0f \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825, \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611, \ub300\uccb4\uc7ac\uc758 \uc704\ud611, \uacbd\uc7c1 \uac15\ub3c4)\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ub610\ud55c, COVID-19 \ud32c\ub370\ubbf9\uc774 \uc2dc\uc7a5\uc5d0 \ubbf8\uce5c \uc601\ud5a5\uacfc \uae30\uc220 \ubc1c\uc804\uc774 \uc2dc\uc7a5\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\ub3c4 \uc0c1\uc138\ud788 \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d\uc5d0\uc11c\ub294 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4 \uac1c\uc694\uc640 \ud568\uaed8 \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc758 \ud504\ub85c\ud544\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud604\uc7ac \ubaac\ud14c\ub124\uadf8\ub85c \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \uae08\uc735 \uc2dc\uc7a5\uc758 \uc8fc\uc694 \ud50c\ub808\uc774\uc5b4\ub85c\ub294 Erste Bank Montenegro, Lov\u0107en Bank, First Bank, Crnogorska Komercijalna Banka, Ziraat Bank Montenegro \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ubaa9\ub85d\uc740 \uc804\uccb4\ub97c \ub9dd\ub77c\ud558\ub294 \uac83\uc740 \uc544\ub2c8\uc9c0\ub9cc, \uc2dc\uc7a5\uc758 \ud575\uc2ec \uacbd\uc7c1\uc790\ub4e4\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ubcf4\uace0\uc11c\ub294 \uc2dc\uc7a5 \uae30\ud68c\uc640 \ubbf8\ub798 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \ud1b5\ucc30\ub825\uc744 \uc81c\uacf5\ud558\uc5ec \uc774\ud574\uad00\uacc4\uc790\ub4e4\uc774 \uc804\ub7b5\uc801 \uc758\uc0ac\uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \ubcf8 \ubcf4\uace0\uc11c\ub294 2024\ub144 12\uc6d4 4\uc77c\uc5d0 \ucd5c\uc885 \uc5c5\ub370\uc774\ud2b8\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-42502","post","type-post","status-publish","format-standard","hentry","category-market-reports"],"_links":{"self":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/42502"}],"collection":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/comments?post=42502"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/42502\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=42502"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=42502"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=42502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}