블로그 이미지
지혜를 얻는 방법
jayjean

태그목록

공지사항

최근에 올라온 글

최근에 달린 댓글

글 보관함

calendar

1
2 3 4 5 6 7 8
9 10 11 12 13 14 15
16 17 18 19 20 21 22
23 24 25 26 27 28

DTI

2007. 1. 8. 11:52 | Posted by 알 수 없는 사용자

하늘 높은 줄 모르고 치솟는 부동산을 잡기 위해 최근 정부는 금융권에서 주택담보대출(mortgage, home equity loan)을 엄격하게 통제하도록 하는 정책을 펼치고 있다. 이에 따라 올해부터 국내 은행에서는 주택담보대출시 최대 DTI 40%를 적용해 개인에게 대출해 주고 있다. 그렇다면 DTI 40%란 무슨 의미일까?

DTIdebt-to-income ratio의 약어로 우리말로는 총부채상환비율을 말한다. 쉽게 말해, 돈을 빌려주는 금융권에서 대출하려는 사람의 대출금 상환 능력을 퍼센트로 나타내는 것이다. 예를 들어, 연봉 3000만원인 사람이 1년간 1500만원을 대출 받을 경우 DTI는 50%가 되며, 연봉 6000만원인 사람이 1년간 1500만원을 대출 받으면 DTI는 25%가 된다. 따라서 우리나라 금융권에서 본격적으로 실시할 DTI 40%에 맞추겠다는 의미는, 연수익 3000만원인 사람이 금융권에서 1년간 대출 받을 수 있는 금액은 수익의 40%인 1200만원까지라는 의미이다. 연간 소득이 많은 사람일수록 더 많은 돈을 빌릴 수 있다는 것이다.

좀 더 구체적인 예를 들기 위해 김과장의 예를 들어 보자. 김과장은 아파트를 사기 위해 2억원의 돈을 10년 상환대출하려고 한다. 2억원을 10년 동안 갚는 것이므로 단순하게 계산해 1년 대출금은 2000만원이 된다. 이 연간 2000만원의 대출금이 DTI 40%에 맞으려면 김과장의 연간 수익은 최소 5000만원이 되어야 한다. 그런데 불행히도 김과장의 연봉은 4000만원이다. 따라서 그가 최대한 금융권에서 주택담보로 1년간 빌릴 수 있는 금액은 1600만원이며, 이것을 10년간 상환대출에 적용하면 1억 6000만원까지만 대출을 받을 수 있는 것이다. 

미국을 비롯한 다른 국가에서는 DTI를 적용할 때 연간 소득이 아닌 월소득을 기준으로 하고 있으며, DTI 28%에서 41%까지 적용해 주고 있는 것으로 알려져 있다.

ㆍDTI ratio - 총부채상환비율, debt-to-income ratio
ㆍ주택담보대출 - mortgage, home equity loan
ㆍ집을 사려는 사람 - homebuyer
ㆍ대출 기준 - loan criteria

'영어공부' 카테고리의 다른 글

또 헷갈리네...  (0) 2007.01.15
morning sickness  (0) 2007.01.09
Blank & Empty  (0) 2007.01.05
Me too  (0) 2007.01.05
오늘 틀린 문제  (0) 2007.01.04

Home-made fighter jet to add sky power(Jian-10)

2007. 1. 8. 08:21 | Posted by 알 수 없는 사용자

Home-made fighter jet to add sky power

By Zhao Huanxin (China Daily/Xinhua)
Updated: 2007-01-06 08:39


China's indigenous third-generation Jian-10 (Fighter-10) makes its debut in Beijing January 5, 2007. The airplane is manufactured by the China Aviation Industry Corporation I (AVIC I) based on the country's own Intellectual Property Rights. [Xinhua]

Jian-10, China's home-made new generation fighter plane, is the product of the country's push for innovation.

Related readings:  Jian-10 makes debut
  New fighter jet successful in test flight

The plane, along with missiles, developed by China Aviation Industry Corp I (AVIC I), will narrow China's technology gap with developed countries.

"China has become the world's fourth country to develop its own advanced fighter planes, engines and missiles," AVIC I Vice-President Geng Ruguang said on Friday.

At a rare press conference held in Beijing, the AVIC I executive said the indigenously developed Jian-10, and the fourth-generation air-to-air missiles had been deployed in the air force.

Apart from the Jian-10, AVIC I has also developed the Taihang turbofan engine, heralding China's third generation military aero-engines, Geng said.

"With the goal of building a creative company, we have vigorously promoted innovation. As a result, a batch of aviation achievements have been made," Geng said.

The press meet followed a brief military announcement on December 29 that the air force of the People's Liberation Army (PLA) had been equipped with the home-made, new-generation Jian-10, or Fighter-10.

The force's "overall battle effectiveness has been noticeably enhanced" with the equipment and through intensive drills and training, and the country's defense capability has improved further.

On Friday, Geng said Jian-10 had a multitude of new technology with multiple uses.

In a five-minute video clip shown to the media, the aircraft was seen flying in formation, firing missiles and refuelling in the air.

The AVIC I-affiliated Chengdu Aircraft Industry Corp in Southwest China's Sichuan Province started developing Jian-10 in 1986.

It has two models, a one-seater and a two-seater, said Yang Wei, chief of Jian-10's designer Chengdu Aircraft Design and Research Institute.

Besides those in Chengdu, at least 100,000 people from across more than 100 factories and institutes were involved in designing and making of Jian-10, said Liu Gaozhuo, former AVIC I president and a chief commander of the fighter aircraft.

"Jian-10 is comparable to the mainstream fighter planes of developed countries," Liu was quoted by the China Aviation News as saying on Friday "With its success we'll have a platform for developing later models of fighter aircraft."

Experts said China was becoming increasingly transparent with its military sector. The State Council Information Office released a White Paper on national defense on December 29, which said the air force was working on an "informationalized" air fighting force both with offensive and defensive capabilities.

Not the best, but still good

The home-grown new generation fighter plane, Jian-10, may not rival the US fourth-generation aircraft in performance, but its basic design and onboard equipment are comparable to those of Western mainstream fighter aircraft, military observers said.

Jian-10 will help the Chinese Air Force improve its defense capabilities and expedite weapon modernization.

Associated Press: Friday's public announcement reflects the government's and its developers' growing confidence in Jian-10, Asia Pacific bureau chief of Jane's Defense Weekly Robert Karniol said.

"It does represent some achievement on China's part. It reflects a growing sophistication," Karniol said.

The plane, however, has yet to prove its ability in combat, he said. Also, in the past China did not have much success with engine development, he said.

Hate me

2007. 1. 7. 13:15 | Posted by jayjean



Hate Me     BLUE OCTOBER


(If you're sleeping are you dreaming
If your dreaming are you dreaming of me?
I can't believe you actually picked me.)

(”Hi Justin, this is your mother, and it's 2:33 on Monday afternoon.
I was just calling to see how you ware doing.
You sounded really uptight last night.
It made me a little nervous, and a l... and... well... it made me nervous, it sounded like you were nervous, too.
I just wanted to make sure you were really OK,
And wanted to see if you were checking in on your medication.
You know I love you, and...
Take care honey
I know you're under a lot of pressure.
See ya. Bye bye”)

I have to block out thoughts of you so I don’t lose my head
They crawl in like a cockroach leaving babies in my bed
Dropping little reels of tape to remind me that I’m alone
Playing movies in my head that make a porno feel like home
There's a burning in my pride, a nervous bleeding in my brain
An ounce of peace is all I want for you. Will you never call again?
And will you never say that you love me just to put it in my face?
And will you never try to reach me?
It is I that wanted space

Hate me today
Hate me tomorrow
Hate me for all the things I didn't do for you

Hate me in ways
Yeah ways hard to swallow
Hate me so you can finally see what’s good for you

I’m sober now for 3 whole months it’s one accomplishment that you helped me with
The one thing that always tore us apart is the one thing I won’t touch again
In a sick way I want to thank you for holding my head up late at night
While I was busy waging wars on myself, you were trying to stop the fight
You never doubted my warped opinions on things like suicidal hate
You made me compliment myself when it was way too hard to take
So I’ll drive so fucking far away that I never cross your mind
And do whatever it takes in your heart to leave me behind

Hate me today
Hate me tomorrow
Hate me for all the things I didn’t do for you

Hate me in ways
Yeah ways hard to swallow
Hate me so you can finally see what’s good for you

And with a sad heart I say bye to you and wave
Kicking shadows on the street for every mistake that I had made
And like a baby boy I never was a man
Until I saw your blue eyes cry and I held your face in my hand
And then I fell down yelling “Make it go away!”
Just make a smile come back and shine just like it used to be
And then she whispered “How can you do this to me?”

Hate me today
Hate me tomorrow
Hate me for all the things I didn’t do for you

Hate me in ways
Yeah ways hard to swallow
Hate me so you can finally see what’s good for you
For you
For you
For you

[Children voices:]
If you're sleeping, are you dreaming,
if you're dreaming are you dreaming of me.
I can't believe you actually picked me

[Girl:] Hey Justin! [x12]

'이야기' 카테고리의 다른 글

카터의 어머니부터 만나보라  (0) 2007.02.06
We deliver, Whatever  (0) 2007.01.23
푸하 배슬기  (0) 2006.11.13
내가 아는 사람의 정년퇴임....  (0) 2006.10.31
풋살  (0) 2006.10.24

Blank & Empty

2007. 1. 5. 10:48 | Posted by 알 수 없는 사용자
Blank는 어떤 표면이 비어 있을 때 쓰는 단어이고 empty는 공간이 비어 있을 때 쓸 수 있다는 것입니다.

'영어공부' 카테고리의 다른 글

morning sickness  (0) 2007.01.09
DTI  (0) 2007.01.08
Me too  (0) 2007.01.05
오늘 틀린 문제  (0) 2007.01.04
ego-surfing  (0) 2006.12.27

Me too

2007. 1. 5. 10:47 | Posted by 알 수 없는 사용자
ㆍmetoo, me-too - [형] 남을 따라하는
ㆍmetooism, me-tooism - 남을 따르는 행위, 유사품, 모방주의
ㆍmetooer, me-tooer - 따라쟁이

영어회화를 할 때 'Me, too!(나도요!)"라는 표현을 사용하는 경우가 많다. 상대방과 마찬가지로 같다는 의미의 표현이다.

[예문]
A: I can’t wait to see you. (네가 보고 싶어 못 참겠어.)
B: Me too. (나도 마찬가지야.)

이 표현에서 유래된 단어가 metoo다. 상대방의 생각이나 행동 방식 등을 똑같이 사용할 때 사용하는 형용사다. 예를 들어, 다른 경쟁사 제품과 거의 비슷한 스펙의 대동소이한 PC라고 표현하려면, metoo personal computers라고 할 수 있다.

metoo라는 단어에서 다시 파생된 단어가 metooism이 다. 남과 동일한 방식으로 만들거나 생각하거나 행동하는 주의나 사상이라는 말이다. 예를 들어, 올 겨울 여성들의 유행 패션으로 인기를 모으고 있는 레깅스가 있는데, 레깅스 패션을 하지 않으면 남에게 뒤쳐 보이거나 유행에 떨어지므로 너도나도 레깅스 패션을 선호하고 있는 것도 metooism이 되는 것이다. 또 다른 예로, 한 기업에서 돈벌이 되는 새로운 사업을 개척하면 너나 할 것없이 그 사업을 벤치마킹하고 이를 답습해 동일한 사업을 벌이는 행위도 metooism이라 할 수 있는 것이다. 최근 업계의 화두인 블루오션(blue ocean)을 찾기 보다는 이미 여러 업체가 경쟁상태에 있는 레드오션(red ocean)에 함께 빠지는 현상 같은 것이다. 

일부에서는 metooism을 대세를 추종해 남을 따라하는 집단주의라고 해석하기도 한다. 남을 따라하다 보니 개성도 없어지고, 조건 없이 휘말리다 보면 자의식도 사라진다는 것이다. 실제로 metoo나 metooism에는 '따라쟁이'라는 부정적인 의미가 포함되어 있으며, 남을 따라하는 사람을 조롱하듯 metooer라는 단어를 사용하기도 한다.

'영어공부' 카테고리의 다른 글

DTI  (0) 2007.01.08
Blank & Empty  (0) 2007.01.05
오늘 틀린 문제  (0) 2007.01.04
ego-surfing  (0) 2006.12.27
Can I see you for a moment?  (0) 2006.08.23