{"id":67563,"date":"2021-10-19T12:00:48","date_gmt":"2021-10-19T10:00:48","guid":{"rendered":"https:\/\/gyrocarpus.com\/?p=67563"},"modified":"2022-12-21T13:52:03","modified_gmt":"2022-12-21T12:52:03","slug":"%eb%8f%85%ec%9d%bc%ec%97%90%ec%84%9c-%ea%b0%9c%ec%9d%b8-%ed%8c%8c%ec%82%b0-%ec%99%b8%ea%b5%ad%ec%9d%b8%eb%8f%84-%ea%b0%80%eb%8a%a5%ed%95%a0%ea%b9%8c","status":"publish","type":"post","link":"https:\/\/gyrocarpus.com\/archives\/67563","title":{"rendered":"\ub3c5\uc77c\uc5d0\uc11c \uac1c\uc778 \ud30c\uc0b0, \uc678\uad6d\uc778\ub3c4 \uac00\ub2a5\ud560\uae4c?"},"content":{"rendered":"\n<div style=\"height:49px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ub3c5\uc77c\uc5d0\uc11c<\/strong><strong> <\/strong><strong>\uac1c\uc778<\/strong><strong> <\/strong><strong>\ud30c\uc0b0<\/strong><strong>, <\/strong><strong>\uc678\uad6d\uc778\ub3c4<\/strong><strong> <\/strong><strong>\uac00\ub2a5\ud560\uae4c<\/strong><strong>?<\/strong><\/p>\n\n\n\n<p>\uc9c0\ub09c 2020\ub144 \ud55c \ud574 \ub3c5\uc77c \ud30c\uc0b0 \uc0c1\ub2f4 \uc13c\ud130 \uc11c\ube44\uc2a4 \uc774\uc6a9\uc790 \ud1b5\uacc4\uac00 \ubc1c\ud45c\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ucd1d 58\ub9cc 8.000\uba85\uc774 \uc0c1\ub2f4\uc744 \ubc1b\uc558\uace0, \ud3c9\uade0 \ubd80\ucc44\ub294 2\ub9cc 9.230\uc720\ub85c\uc600\uc2b5\ub2c8\ub2e4. \uc774 \uc911 \uc5ec\uc131\uc740 \ud3c9\uade0\ubcf4\ub2e4 \ub0ae\uc740 2\ub9cc 4.830\uc720\ub85c, \ub0a8\uc131\uc740 \ud3c9\uade0\ubcf4\ub2e4 \ub192\uc740 3\ub9cc 3.050\uc720\ub85c\uc600\uc2b5\ub2c8\ub2e4. \uad6d\uac00 \ud1b5\uacc4\ub97c \uc0b4\ud3b4\ubcf4\uba74 \ub098\uc774\uc640 \uc131\ubcc4 \ub4f1 \ud070 \ubd84\ub958\ub294 \ubcfc \uc218 \uc788\uc9c0\ub9cc, \uc11c\ube44\uc2a4 \uc2e0\uccad\uc790\uc758 \uad6d\uc801\uc740 \uc54c \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ub3c5\uc77c\uc5d0\uc11c\uc758 \uac1c\uc778 \ud30c\uc0b0, \uacfc\uc5f0 \uc678\uad6d\uc778\ub3c4 \uac00\ub2a5\ud560\uae4c\uc694?<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/shutterstock_1018623748.jpg\" alt=\"\" class=\"wp-image-67566\" width=\"721\" height=\"477\" srcset=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/shutterstock_1018623748.jpg 1000w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/shutterstock_1018623748-600x397.jpg 600w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/shutterstock_1018623748-300x199.jpg 300w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/shutterstock_1018623748-768x508.jpg 768w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/shutterstock_1018623748-800x530.jpg 800w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/shutterstock_1018623748-750x497.jpg 750w\" sizes=\"(max-width: 721px) 100vw, 721px\" \/><figcaption>PENpics Studio\/shutterstock.com<\/figcaption><\/figure><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ub3c5\uc77c \ud30c\uc0b0 \uc2e0\uccad \uc0ac\uc720, \uc2e4\uc5c5\uc774 \uac00\uc7a5 \ub192\uc740 \ube44\uc728<\/strong><\/p>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-1024x735.jpg\" alt=\"\" class=\"wp-image-67564\" width=\"797\" height=\"572\" srcset=\"https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-1024x735.jpg 1024w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-scaled-600x430.jpg 600w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-300x215.jpg 300w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-768x551.jpg 768w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-800x574.jpg 800w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-1536x1102.jpg 1536w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-2048x1469.jpg 2048w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-120x86.jpg 120w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-350x250.jpg 350w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-750x538.jpg 750w, https:\/\/gyrocarpus.com\/wp-content\/uploads\/2021\/10\/\ud30c\uc0b0-4-1140x818.jpg 1140w\" sizes=\"(max-width: 797px) 100vw, 797px\" \/><figcaption>\ucd9c\ucc98: Statistisches Bundesamt<\/figcaption><\/figure><\/div>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\ub3c5\uc77c \uc5f0\ubc29 \ud1b5\uacc4\uccad\uc774 \uc9c0\ub09c 6\uc6d4\uc5d0 \ubc1c\ud45c\ud55c <a href=\"https:\/\/www-genesis.destatis.de\/genesis\/online?operation=abruftabelleBearbeiten&amp;levelindex=1&amp;levelid=85&amp;auswahloperation=abruftabelleAuspraegungAuswaehlen&amp;auswahlverzeichnis=ordnungsstruktur&amp;auswahlziel=werteabruf&amp;code=63511-0001&amp;auswahltext=&amp;nummer=7&amp;variable=7&amp;name=SLDHL1&amp;werteabruf=Werteabruf#abreadcrumb\" target=\"_blank\" rel=\"noreferrer noopener\">\ud30c\uc0b0 \uc2e0\uccad \uc0ac\uc720<\/a>\ub97c \uc0b4\ud3b4\ubcf4\uba74 \uc2e4\uc5c5\uc774 \uc57d 20%\ub85c \uac00\uc7a5 \ub192\uc740 \ube44\uc728\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc73c\ub85c \uc9c8\ubcd1 \ub610\ub294 \uc0ac\uace0\ub85c \uc778\ud55c \ud30c\uc0b0 \uc2e0\uccad\uc774 \uc774\uc5b4\uc84c\uc2b5\ub2c8\ub2e4. \ub208\uc5d0 \ub744\ub294 \uc0ac\uc720\ub294 \ubc14\ub85c \uc7a5\uae30\uc801\uc778 \uc800\uc784\uae08 \ubb38\uc81c\uc785\ub2c8\ub2e4. \uc544\uc9c1\uc740 \uc57d 10% \uc815\ub3c4\ub85c \ube44\uc911\uc740 \ub192\uc9c0 \uc54a\uc9c0\ub9cc, \uc99d\uac00 \ucd94\uc138\uac00 \uc2ec\uc0c1\uce58 \uc54a\uc740 \uac83\uc774 \ubb38\uc81c\uc785\ub2c8\ub2e4. \uc9c0\ub09c 2015\ub144 \uae30\uc900 3.4%\uc5d0 \uba38\ubb3c\ub800\ub358 \uc7a5\uae30 \uc800\uc784\uae08 \ubb38\uc81c\ub294 \uafb8\uc900\ud788 \uc99d\uac00\ud574 10%\uc5d0 \uc774\ub974\ub800\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n<div  class=\"jeg_postblock_3 jeg_postblock jeg_module_hook jeg_pagination_disable jeg_col_2o3 jnews_module__0_671cce0b6bb92   \" data-unique=\"jnews_module__0_671cce0b6bb92\">\n                <div class=\"jeg_block_heading jeg_block_heading_6 jeg_subcat_right\">\n                    <h3 class=\"jeg_block_title\"><span>\ud568\uaed8 \uc77d\uc73c\uba74 \uc88b\uc740 \ub274\uc2a4<\/span><\/h3>\n                    \n                <\/div>\n                <div class=\"jeg_posts jeg_block_container\">\n                \n                <div class='jeg_empty_module'>\uac8c\uc2dc\ubb3c\uc774 \uc5c6\uc2b5\ub2c8\ub2e4<\/div>\n                <div class='module-overlay'>\n                <div class='preloader_type preloader_circle'>\n                    <div class=\"module-preloader jeg_preloader dot\">\n                        <span><\/span><span><\/span><span><\/span>\n                    <\/div>\n                    <div class=\"module-preloader jeg_preloader circle\">\n                        <div class=\"jnews_preloader_circle_outer\">\n                            <div class=\"jnews_preloader_circle_inner\"><\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"module-preloader jeg_preloader square\">\n                        <div class=\"jeg_square\"><div class=\"jeg_square_inner\"><\/div><\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <\/div>\n            <div class=\"jeg_block_navigation\">\n                <div class='navigation_overlay'><div class='module-preloader jeg_preloader'><span><\/span><span><\/span><span><\/span><\/div><\/div>\n                \n                \n            <\/div>\n                \n                <script>var jnews_module__0_671cce0b6bb92 = {\"header_icon\":\"\",\"first_title\":\"\\ud568\\uaed8 \\uc77d\\uc73c\\uba74 \\uc88b\\uc740 \\ub274\\uc2a4\",\"second_title\":\"\",\"url\":\"\",\"header_type\":\"heading_6\",\"header_background\":\"\",\"header_secondary_background\":\"\",\"header_text_color\":\"\",\"header_line_color\":\"\",\"header_accent_color\":\"\",\"header_filter_category\":\"\",\"header_filter_author\":\"\",\"header_filter_tag\":\"\",\"header_filter_text\":\"All\",\"post_type\":\"post\",\"content_type\":\"all\",\"number_post\":4,\"post_offset\":0,\"unique_content\":\"disable\",\"include_post\":\"62797,44869\",\"exclude_post\":\"\",\"include_category\":\"\",\"exclude_category\":\"\",\"include_author\":\"\",\"include_tag\":\"\",\"exclude_tag\":\"\",\"w2dc-category\":\"\",\"w2dc-location\":\"\",\"w2dc-tag\":\"\",\"product_cat\":\"\",\"product_tag\":\"\",\"sort_by\":\"latest\",\"date_format\":\"default\",\"date_format_custom\":\"Y\\\/m\\\/d\",\"excerpt_length\":20,\"excerpt_ellipsis\":\"...\",\"force_normal_image_load\":\"\",\"pagination_mode\":\"disable\",\"pagination_nextprev_showtext\":\"\",\"pagination_number_post\":4,\"pagination_scroll_limit\":0,\"ads_type\":\"disable\",\"ads_position\":1,\"ads_random\":\"\",\"ads_image\":\"\",\"ads_image_tablet\":\"\",\"ads_image_phone\":\"\",\"ads_image_link\":\"\",\"ads_image_alt\":\"\",\"ads_image_new_tab\":\"\",\"google_publisher_id\":\"\",\"google_slot_id\":\"\",\"google_desktop\":\"auto\",\"google_tab\":\"auto\",\"google_phone\":\"auto\",\"content\":\"\",\"ads_bottom_text\":\"\",\"boxed\":\"\",\"boxed_shadow\":\"\",\"el_id\":\"\",\"el_class\":\"\",\"scheme\":\"\",\"column_width\":\"auto\",\"title_color\":\"\",\"accent_color\":\"\",\"alt_color\":\"\",\"excerpt_color\":\"\",\"css\":\"\",\"paged\":1,\"column_class\":\"jeg_col_2o3\",\"class\":\"jnews_block_3\"};<\/script>\n            <\/div>\n<hr \/>\n<p>\u00a0<\/p>\n\n\n<p><strong>\ud30c\uc0b0\uacfc <\/strong><strong>\uad6d\uc801\uc740 <\/strong><strong>\ubb34\uad00, <\/strong><strong>\uac70\uc8fc <\/strong><strong>\ud5c8\uac00\uc99d <\/strong><strong>\uc5f0\uc7a5\uc740 <\/strong><strong>\uac70\ubd80\ub420 <\/strong><strong>\uc218 <\/strong><strong>\uc788\uc5b4<\/strong><\/p>\n\n\n\n<p>\ubc95\uc801\uc73c\ub85c \ud30c\uc0b0\uc740 \uad6d\uc801\uc740 \ubb3c\ub860 \uac1c\uc778\uc774\ub098 \ud68c\uc0ac\ub3c4 \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub3c5\uc77c \uc2dc\ubbfc\uad8c\uc774 \uc5c6\uc5b4\ub3c4 \uac00\ub2a5\ud55c \uac83\uc785\ub2c8\ub2e4. \ub2e4\ub9cc, \ub3c5\uc77c\uc5d0 \uc601\uc8fc\uad8c\uacfc \uc0c1\uad00\uc5c6\uc774 \uac70\uc8fc \ube44\uc790\uac00 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubb38\uc81c\ub294 \uac70\uc8fc \ud5c8\uac00\uc99d \uc5f0\uc7a5\uc785\ub2c8\ub2e4. <a href=\"https:\/\/dejure.org\/gesetze\/AufenthG\/40.html\" target=\"_blank\" rel=\"noreferrer noopener\">\uac70\uc8fc \ud5c8\uac00\ubc95 \uc81c40\uc870 3\ud56d<\/a>\uc5d0 \ub530\ub974\uba74, \ud30c\uc0b0 \uc2e0\uccad\uc744 \uc2dc\uc791\ud55c \uacbd\uc6b0 \uac70\uc8fc \ud5c8\uac00\uc99d \uc5f0\uc7a5\uc774 \uac70\ubd80\ub420 \uc218 \uc788\ub2e4\uace0 \ud569\ub2c8\ub2e4. \uc989, \uc6d0\uce59\uc801\uc73c\ub85c \uc678\uad6d\uc778\ub3c4 \ud30c\uc0b0 \uc2e0\uccad\uc774 \uac00\ub2a5\ud558\ub098 \ub3c5\uc77c \uac70\uc8fc\ub294 \ubd88\uac00\ub2a5\ud574\uc9c8 \uc218 \uc788\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \ubc18\uba74, \ud30c\uc0b0 \uc2e0\uccad\uc744 \ud588\ub354\ub77c\ub3c4 \uacf5\uc801 \uc790\uae08 \uc5c6\uc774 \uc0dd\uacc4 \ube44\uc6a9\uc744 \ucda9\ub2f9\ud560 \uc218 \uc788\ub2e4\uba74 \uac70\uc8fc \ud5c8\uac00\ub97c \ubc1b\uc744 \uc218 \uc788\ub2e4\uace0 \ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774 \uacbd\uc6b0 \ubcc0\ud638\uc0ac\ub97c \uc120\uc784\ud558\uc5ec \ud574\uacb0\ud558\ub294 \ud3b8\uc774 \uac00\uc7a5 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud30c\uc0b0 <\/strong><strong>\uc2e0\uccad <\/strong><strong>\uc808\ucc28<\/strong><\/p>\n\n\n\n<p>\ud30c\uc0b0 \uc2e0\uccad\uc740 \uac1c\uc778 \ud30c\uc0b0(Privatinsolvenz)\uacfc \uc77c\ubc18 \ud30c\uc0b0(Regelinsolvenz) \ub450 \uac00\uc9c0\ub85c \ub098\ub269\ub2c8\ub2e4. \uc0ac\uc5c5\uc744 \ud55c \uc801\uc774 \uc5c6\uac70\ub098 \ud504\ub9ac\ub79c\uc11c, \uc18c\uaddc\ubaa8 \uc790\uc601\uc5c5\uc758 \uacbd\uc6b0 \uac1c\uc778 \ud30c\uc0b0\uc73c\ub85c \ucc98\ub9ac\ub97c \ud574\uc57c \ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc790\uc601\uc5c5\uc790\uc774\uace0 \ub3c5\ub9bd\uc131\uc744 \uc720\uc9c0\ud558\uace0 \uc2f6\ub2e4\uba74 \uc77c\ubc18 \ud30c\uc0b0\uc744 \uc2e0\uccad\ud574\uc57c \ud569\ub2c8\ub2e4. \ubc95\uc801\uc73c\ub85c \uaddc\uc815\ub41c \ucd5c\uc18c \ubd80\ucc44 \uae08\uc561\uc740 \uc5c6\uc73c\ub098, \ud30c\uc0b0 \uc2e0\uccad \uac00\uc774\ub4dc\ub77c\uc778\uc740 2.000\uc720\ub85c\ub97c \uae30\uc900\uc73c\ub85c \uc7a1\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud30c\uc0b0 <\/strong><strong>\uc2e0\uccad <\/strong><strong>\ub2e8\uacc4<\/strong><\/p>\n\n\n\n<p><strong>1<\/strong><strong>\ub2e8\uacc4 <\/strong><strong>\ucc44\uad8c\uc790\uc640\uc758 <\/strong><strong>\ud569\uc758 <\/strong><strong>\uc2dc\ub3c4<\/strong><\/p>\n\n\n\n<p>\ubd80\ucc44 \ud0d5\uac10\uc774 \ubd88\uac00\ub2a5\ud558\ub2e4 \ud310\ub2e8\ub418\uba74, \ube60\ub974\uac8c \ucc44\uad8c\uc790 \ubaa9\ub85d\uc744 \ub9cc\ub4e4\uace0 \ud604\uc7ac \uc0c1\ud669\uc744 \uc54c\ub824\uc57c \ud569\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \ud569\uc758\ub97c \uc2dc\ub3c4\ud574\uc57c \ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uccad\uad6c \uae08\uc561\uc758 2\/3\uac00 \uba74\uc81c\ub420 \ub54c \uc801\ub2f9\ud558\ub2e4\uace0 \ubd05\ub2c8\ub2e4. \uc774\ub54c \ud569\uc758\uc5d0 \uc2e4\ud328\ud558\uba74, \uc2e4\ud328\ud588\ub2e4\ub294 \uc99d\uba85\uc11c\ub97c \uc791\uc131\ud574\uc57c \ud558\uace0, \ud30c\uc0b0 \uc2e0\uccad\uc11c\ub97c \uc791\uc131\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>2<\/strong><strong>\ub2e8\uacc4 <\/strong><strong>\uc0ac\ubc95\ubd80\uc758 <\/strong><strong>\ucc44\ubb34\uc870\uc815\uacc4\ud68d <\/strong><strong>\ubc0f <\/strong><strong>\ud30c\uc0b0 <\/strong><strong>\uc808\ucc28 <\/strong><strong>\uac1c\uc2dc<\/strong><\/p>\n\n\n\n<p>\ub2f4\ub2f9 \ubc95\uc6d0\uc5d0\uc11c \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uace0 \ud310\ub2e8\ud558\uba74 \ucc44\ubb34 \uc870\uc815 \uacc4\ud68d\uc744 \uc138\uc6b0\uc9c0\ub9cc, \ubcf4\ud1b5\uc740 \ud30c\uc0b0 \uc808\ucc28\ub97c \uc9c4\ud589\ud574\uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>3<\/strong><strong>\ub2e8\uacc4 <\/strong><strong>\ubc95\uc6d0\uc5d0\uc11c <\/strong><strong>\ud1b5\uc9c0\ub97c <\/strong><strong>\ud1b5\ud574 <\/strong><strong>\uac1c\uc778 <\/strong><strong>\ud30c\uc0b0 <\/strong><strong>\uacf5\uac1c <\/strong><strong>\ubc0f <\/strong><strong>\uad00\ub9ac\uc790 <\/strong><strong>\uc784\uba85<\/strong><\/p>\n\n\n\n<p>\ucc44\uad8c\uc790\uc640\uc758 \ud611\uc758\ub97c \uac70\uccd0 \ub0a8\uc740 \uc790\uc0b0\uc744 \uacf5\uac1c\ud558\uace0 \ucc44\uad8c\uc790\uc5d0\uac8c \ubd84\ubc30\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>4<\/strong><strong>\ub2e8\uacc4 <\/strong><strong>\ubd80\ucc44 <\/strong><strong>\ud0d5\uac10 <\/strong><strong>\uc808\ucc28\uac00 <\/strong><strong>\uc2dc\uc791<\/strong><\/p>\n\n\n\n<p>\uc774 \uacfc\uc815\uc5d0\uc11c \uc138\ud6c4 \uc18c\ub4dd\uc5d0\uc11c \uc0dd\uacc4\ube44\ub97c \uc81c\uc678\ud55c \uae08\uc561\uc744 \uad00\ub9ac\uc790\uc5d0\uac8c \ub9e1\uaca8\uc57c \ud569\ub2c8\ub2e4. \ud574\ub2f9 \uc555\ub958 \uae08\uc561\uc740 1\ub144\uc5d0 \ud55c \ubc88 \uc815\uc0b0\ud558\uc5ec \ucc44\uad8c\uc790\uc5d0\uac8c \uc9c0\uae09\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>5\ub2e8\uacc4 \ubc95\uc5d0\uc11c \uc9c0\uc815\ud55c \ubaa8\ub4e0 \uc758\ubb34\ub97c \uc131\uc2e4\ud788 \uc774\ud589 \uc2dc, \uac1c\uc778 \ud30c\uc0b0 \uc774\ud6c4 \ub0a8\uc740 \ucc44\ubb34 \uba74\uc81c<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\uc555\ub958 <\/strong><strong>\uc218\ub2f9 <\/strong><strong>\uacc4\uc0b0(2021<\/strong><strong>\ub144 7<\/strong><strong>\uc6d4 1<\/strong><strong>\uc77c\ubd80\ud130 2023<\/strong><strong>\ub144 6<\/strong><strong>\uc6d4 30<\/strong><strong>\uc77c\uae4c\uc9c0 <\/strong><strong>\uc720\ud6a8)<\/strong><\/p>\n\n\n\n<p>\uc138\ud6c4 \uc18c\ub4dd\uacfc \ubd80\uc591\uac00\uc871 \uc218\uc5d0 \ub530\ub77c \uc555\ub958 \uc218\ub2f9\uc774 \uacc4\uc0b0\ub418\ub294\ub370, \uc774\ub294 2\ub144\uc5d0 \ud55c \ubc88\uc529 \ubcc0\ub3d9\ub429\ub2c8\ub2e4. \ud604\uc7ac \uae30\uc900\uc73c\ub85c \ubcf4\uba74 \uc138\ud6c4 \uc18c\ub4dd\uc774 1,259.99\uc720\ub85c \uc774\ud558\uc77c \uacbd\uc6b0 \uc555\ub958 \uc218\ub2f9\uc774 \uc5c6\uc2b5\ub2c8\ub2e4. \uadf8 \uc774\ud6c4\uc5d4 \uc138\ud6c4 \uc18c\ub4dd\uc774 1,269.99\uc720\ub85c\uc5d0 \ubd80\uc591\uac00\uc871\uc774 \uc5c6\ub294 \uacbd\uc6b0\ub294 5.15\uc720\ub85c\ub97c \ub0a9\ubd80\ud574\uc57c \ud569\ub2c8\ub2e4. 1,729.99\uc720\ub85c\uae4c\uc9c0\ub294 \ubd80\uc591\uac00\uc871\uc774 \uc788\uc744 \uacbd\uc6b0 \uc555\ub958 \uc218\ub2f9\uc774 \uacc4\uc0b0\ub418\uc9c0 \uc54a\uace0, \uadf8 \uc774\uc0c1\ubd80\ud130 \ub0a9\ubd80\ud574\uc57c \ud569\ub2c8\ub2e4. \ud574\ub2f9 \ub3c4\ud45c\ub294 \uc6d4 \uc18c\ub4dd 3,840.08\uc720\ub85c\uae4c\uc9c0 \uc788\uc73c\uba70, \ucd08\uacfc\ud560 \uacbd\uc6b0 \uc21c\uc18c\ub4dd \uc804\ubd80\ub97c \uc555\ub958\ub2f9\ud569\ub2c8\ub2e4. 10\uc720\ub85c \ub2e8\uc704\uae4c\uc9c0 \ub098\ub258\uc5b4 \uc788\uc5b4 \ub3c4\ud45c\ub97c \ubcf4\uae30 \uc5b4\ub835\ub2e4\uba74 <a href=\"https:\/\/www.hartziv.org\/pfaendungsrechner.html\" target=\"_blank\" rel=\"noreferrer noopener\">\uc555\ub958 \uc218\ub2f9 \uacc4\uc0b0\uae30<\/a>\ub97c \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ucd94\uac00 \uadfc\ubb34 \uc218\ub2f9\uc774\ub098 \ubcf4\ub108\uc2a4\ub294 \uc555\ub958 \ub300\uc0c1\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 500\uc720\ub85c \uc774\ud558\uc758 \ud734\uac00 \ube44\uc6a9\uacfc \uc704\ud5d8 \uadfc\ubb34 \uc218\ub2f9, \uc5ec\ud589 \ube44\uc6a9 \ubc0f \ud06c\ub9ac\uc2a4\ub9c8\uc2a4 \ud734\uac00\ube44\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4. \ucf54\ub85c\ub098 \ubcf4\uc870\uae08\ub3c4 \uc81c\uc678\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud30c\uc0b0 <\/strong><strong>\uc2e0\uccad\uc5d0 <\/strong><strong>\ud544\uc694\ud55c <\/strong><strong>\uc11c\ub958<\/strong><\/p>\n\n\n\n<ul><li>\ucc44\uad8c\uc790 \uba85\ubd80(Gl\u00e4ubigerverzeichnis)<\/li><\/ul>\n\n\n\n<p>Schufa\uc640 Infoscore \ubc0f \uc9c0\ubc29 \ubc95\uc6d0\uc758 \ucc44\ubb34\uc790 \ub4f1\ub85d\ubd80 \uc815\ubcf4\ub97c \ud1b5\ud574 \ucc3e\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul><li>\uc18c\ub4dd \ubc0f \uc790\uc0b0 \uc815\ubcf4(Angaben zu Einkommen und Verm\u00f6gen)<\/li><li>\uc81c305\uc870\uc5d0 \ub530\ub978 \ubc95\uc6d0 \uc678 \ud569\uc758 \uc2dc\ub3c4 \uc2e4\ud328 \uc99d\uba85\uc11c(Bescheinigung \u00fcber das Scheitern eines au\u00dfergerichtlichen Einigungsversuches nach \u00a7 305 InsO)<\/li><\/ul>\n\n\n\n<p>\uc0ac\uc5c5 \uc911\uc774\uac70\ub098 \uc0ac\uc5c5 \uc774\ub825\uc774 \uc788\ub2e4\uba74 \ud574\ub2f9 \uc11c\ub958\uac00 \ucd94\uac00\ub85c \ud544\uc694\ud569\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \ubcc0\ud638\uc0ac\ub97c \uc120\uc784\ud574 \uc11c\uba74 \uc99d\uba85\uc11c\ub97c \uc900\ube44\ud558\ub294 \uac83\uc774 \uc218\uc6d4\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\uac1c\uc778 <\/strong><strong>\ud30c\uc0b0 <\/strong><strong>\uae30\uac04<\/strong><\/p>\n\n\n\n<p>\uc2e0\uccad \ud6c4 \ubc95\uc6d0\uc5d0\uc11c \ud310\uacb0\uc774 \ub098\uae30\uae4c\uc9c0 5 ~ 6\uc8fc \uc815\ub3c4 \uc18c\uc694\ub429\ub2c8\ub2e4. \uc808\ucc28 \uac1c\uc2dc \ud6c4 \ucd5c\uc885 \ud0d5\uac10\uae4c\uc9c0\ub294 \ucd5c\ub300 3\ub144\uc774 \uac78\ub9bd\ub2c8\ub2e4. \ud30c\uc0b0 \uc2e0\uccad\uc774 \uac70\ubd80\ub2f9\ud588\uc744 \uacbd\uc6b0 3 ~ 5\ub144 \uc774\ud6c4\uc5d0 \uc7ac\uc2e0\uccad\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ud30c\uc0b0 \uc2e0\uccad \ubc0f \ud0d5\uac10 \ud6c4 \uc7ac\uc2e0\uccad\uc744 \uc6d0\ud55c\ub2e4\uba74 10\ub144\uc744 \uae30\ub2e4\ub824\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud30c\uc0b0 <\/strong><strong>\uc2e0\uccad <\/strong><strong>\uc774\uc804\uc5d0 <\/strong><strong>\uaf2d <\/strong><strong>\ud655\uc778\ud574\uc57c <\/strong><strong>\ud560 <\/strong><strong>\uac83<\/strong><\/p>\n\n\n\n<ol type=\"1\"><li>\uc555\ub958 \ubcf4\ud638 \ud1b5\uc7a5(P Konto) \uac1c\uc124<\/li><\/ol>\n\n\n\n<p>\uae30\uc874 \ucc44\uad8c \uc740\ud589\uc774 \uc544\ub2cc \uc0c8 \uc740\ud589\uc5d0 \uae09\uc5ec \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uae09\uc5ec \ud1b5\uc7a5\uc774 \uc774\ubbf8 \ub9c8\uc774\ub108\uc2a4 \uc0c1\ud0dc\uc77c \uacbd\uc6b0 \uc774 \uacfc\uc815\uc740 \ud544\uc218\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc555\ub958 \ubcf4\ud638 \ud1b5\uc7a5\uc740 \uc555\ub958\ub85c\ubd80\ud130 \uc548\uc804\ud569\ub2c8\ub2e4. \uc774 \ud1b5\uc7a5\uc744 \ud1b5\ud574 \ub4e4\uc5b4\uc624\ub294 \uc218\uc785\uc73c\ub85c \uc0dd\uacc4\ub97c \ucda9\ub2f9\ud574\uc57c \ud569\ub2c8\ub2e4. \ud574\ub2f9 \ud1b5\uc7a5\uc740 3\ub2e8\uacc4 \uac1c\uc778 \uc7ac\uc0b0 \uacf5\uac1c \uc774\uc804\uae4c\uc9c0 \ub4dc\ub7ec\ub098\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \uc0c8 \uacc4\uc88c\ub97c \ub9cc\ub4e4 \uc218 \uc5c6\uc744 \uacbd\uc6b0, \uae30\uc874 \ud1b5\uc7a5\uc744 \uc555\ub958 \ubcf4\ud638\uc6a9\uc73c\ub85c \uc804\ud658\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul><li>\ucc44\uad8c\uc790\uc5d0\uac8c \ubaa8\ub4e0 \uc9c0\uae09 \uc911\ub2e8<\/li><\/ul>\n\n\n\n<p>\ud30c\uc0b0 \uc2e0\uccad \uc900\ube44 \uc804, \uac1c\ubcc4 \ucc44\uad8c\uc790\uc5d0\uac8c \uac1a\ub294 \uac83\uc744 \ubaa8\ub450 \uc911\ub2e8\ud574\uc57c \ud569\ub2c8\ub2e4. \uac1c\ubcc4 \ucc44\uad8c\uc790\uc5d0\uac8c \uc6b0\uc120\uad8c\uc774 \uc0dd\uae38 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub300\uc2e0 \uc784\ub300\ub8cc, \ud1b5\uc2e0 \uc11c\ube44\uc2a4, \uc804\uae30 \uac19\uc740 \uc5d0\ub108\uc9c0 \ube44\uc6a9, \ubcf4\ud5d8\uc740 \uacc4\uc57d \ud574\uc9c0\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \ub0a9\ubd80\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul><li>\uc790\uc0b0 \uc704\uc7a5\uc740 \ubd88\uac00<\/li><\/ul>\n\n\n\n<p>\ud30c\uc0b0 \uc2e0\uccad \ud6c4 \uc0c1\uc18d\uc740 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4. \uc0c1\uc18d\ud560 \uacbd\uc6b0 \ubaa8\ub4e0 \uae08\uc561\uc774 \ud30c\uc0b0 \uad00\ub9ac\uc790\uc5d0\uac8c \ub4e4\uc5b4\uac00\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub610\ud55c, \uce5c\uad6c\ub098 \uce5c\ucc99 \uacc4\uc88c\ub85c \uc774\uccb4\ud560 \uacbd\uc6b0, \uad00\ub9ac\uc790\uac00 \ucd94\ud6c4\uc5d0 \uc1a1\uae08\uc744 \uc694\uad6c\ud560 \uc218\ub3c4 \uc788\uace0, \ub3c8\uc744 \ubc1b\ub294 \uc0ac\ub78c\uc774 \ud615\uc0ac \ucc98\ubc8c\uc744 \ubc1b\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc555\ub958 \ubcf4\ud638 \ud1b5\uc7a5\uc5d0 \uc0dd\uacc4\uc5d0 \ud544\uc694\ud55c \uc5ec\uc720 \uc790\uae08\uc744 \uc81c\uc678\ud558\uace4 \uc228\uae40\uc5c6\uc774 \uad00\ub9ac\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul><li>\ud30c\uc0b0 \uc2e0\uccad \uc804\ubb38\uac00 \ucc3e\uae30<\/li><\/ul>\n\n\n\n<p>\uc774 \uc2e0\uccad\uc740 \ud30c\uc0b0 \uc2e0\uccad \uc804\ubb38 \ubcc0\ud638\uc0ac \ub610\ub294 \ub85c\ud38c \ub610\ub294 \uacf5\uacf5\ubd80\ucc44 \uc0c1\ub2f4\uc13c\ud130(\u00f6ffentliche Schuldnerberatungsstellen)\uc5d0\uc11c \uc9c4\ud589\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uacf5\uacf5 \uc13c\ud130\ub294 \ub300\uae30 \uae30\uac04\ub9cc 12 ~ 18\uac1c\uc6d4 \uac78\ub9ac\uba70, \ubcc0\ud638\uc0ac\uc758 \uc870\uc5b8\uc744 \ubc1b\uc9c0 \ubabb\ud569\ub2c8\ub2e4. \ub610\ud55c, \uac1c\uc778 \ud30c\uc0b0\uc5d0\ub294 \uc801\ud569\ud558\uc9c0\ub9cc, \uc0ac\uc5c5\uc790\uc758 \uacbd\uc6b0 \ucda9\ubd84\ud55c \ub3c4\uc6c0\uc744 \ubc1b\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc804\ubb38 \ubcc0\ud638\uc0ac \ub610\ub294 \ub85c\ud38c\uc740 \uac1c\uc778 \ud30c\uc0b0 \uc2e0\uccad\uae4c\uc9c0 \uc57d 6 ~ 8\uc8fc \uc18c\uc694\ub429\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc704\uc784 \ube44\uc6a9\uc774 \ucd5c\uc18c 700\uc720\ub85c\ubd80\ud130 \uc2dc\uc791\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud30c\uc0b0 \uc2e0\uccad \uae08\uc561\uacfc \ucd94\uac00 \ube44\uc6a9\uc744 \uaf3c\uaf3c\ud558\uac8c \uc54c\uc544\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:62px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\uc791\uc131: \uc54c\ub374\ud14c \ub3c4\ub9c8\ub3c4<\/p>\n\n\n\n<p>\u24d2 \uad6c\ud150\ud0c1\ucf54\ub9ac\uc544(http:\/\/<a href=\"http:\/\/www.gyrocarpus.com\" target=\"_blank\" rel=\"noreferrer noopener\">www.gyrocarpus.com<\/a>), \ubb34\ub2e8\uc804\uc7ac \ubc0f \uc7ac\ubc30\ud3ec \uae08\uc9c0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub3c5\uc77c\uc5d0\uc11c \uac1c\uc778 \ud30c\uc0b0, \uc678\uad6d\uc778\ub3c4 \uac00\ub2a5\ud560\uae4c? \uc9c0\ub09c 2020\ub144 \ud55c \ud574 \ub3c5\uc77c \ud30c\uc0b0 \uc0c1\ub2f4 \uc13c\ud130 \uc11c\ube44\uc2a4 \uc774\uc6a9\uc790 \ud1b5\uacc4\uac00 \ubc1c\ud45c\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ucd1d 58\ub9cc 8.000\uba85\uc774 \uc0c1\ub2f4\uc744 \ubc1b\uc558\uace0, \ud3c9\uade0 \ubd80\ucc44\ub294 2\ub9cc 9.230\uc720\ub85c\uc600\uc2b5\ub2c8\ub2e4. \uc774 \uc911 \uc5ec\uc131\uc740 \ud3c9\uade0\ubcf4\ub2e4 \ub0ae\uc740 2\ub9cc 4.830\uc720\ub85c, \ub0a8\uc131\uc740 \ud3c9\uade0\ubcf4\ub2e4 \ub192\uc740 3\ub9cc 3.050\uc720\ub85c\uc600\uc2b5\ub2c8\ub2e4. \uad6d\uac00 \ud1b5\uacc4\ub97c \uc0b4\ud3b4\ubcf4\uba74 \ub098\uc774\uc640 \uc131\ubcc4 \ub4f1 \ud070 \ubd84\ub958\ub294 \ubcfc \uc218 \uc788\uc9c0\ub9cc, \uc11c\ube44\uc2a4 \uc2e0\uccad\uc790\uc758 \uad6d\uc801\uc740 \uc54c \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. [&hellip;]<\/p>\n","protected":false},"author":141,"featured_media":67566,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[578,2581,1,3190],"tags":[3520,3011,1174],"acf":[],"yoast_head":"\n<title>\ub3c5\uc77c\uc5d0\uc11c \uac1c\uc778 \ud30c\uc0b0, \uc678\uad6d\uc778\ub3c4 \uac00\ub2a5\ud560\uae4c? | \uad6c\ud150\ud0c1 \ucf54\ub9ac\uc544 : \ub3c5\uc77c \ud55c\uc778 \ud3ec\ud0c8 \uc0ac\uc774\ud2b8<\/title>\n<meta name=\"description\" content=\"\uad6c\ud150\ud0c1\ucf54\ub9ac\uc544\ub294 \ub3c5\uc77c\uc5d0 \uac70\uc8fc\ud558\ub294 \ud55c\uc778\ub4e4\uc774 \uc11c\ub85c \uc815\ubcf4\ub97c \uacf5\uc720\ud558\ub294 \ucee4\ubba4\ub2c8\ud2f0\ub85c, \ud55c\uad6d\uacfc \ub3c5\uc77c \uac04\uc758 \ub274\uc2a4\ub97c \ud55c\uad6d\uc5b4\ub85c \uc81c\uacf5\ud558\uc5ec \ud55c\uad6d\uc0ac\ud68c\uc640 \ub3c5\uc77c\uc0ac\ud68c\ub97c \uc774\ud574\ud560 \uc218 \uc788\uac8c \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4.\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gyrocarpus.com\/archives\/67563\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ub3c5\uc77c\uc5d0\uc11c \uac1c\uc778 \ud30c\uc0b0, \uc678\uad6d\uc778\ub3c4 \uac00\ub2a5\ud560\uae4c? 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