{"id":586,"date":"2026-05-26T23:46:41","date_gmt":"2026-05-26T23:46:41","guid":{"rendered":"https:\/\/nyrealestateprep.com\/ny-real-estate-math-cheat-sheet-korean\/"},"modified":"2026-05-26T23:46:41","modified_gmt":"2026-05-26T23:46:41","slug":"ny-real-estate-math-cheat-sheet-korean","status":"publish","type":"page","link":"https:\/\/nyrealestateprep.com\/?page_id=586","title":{"rendered":"NY \ubd80\ub3d9\uc0b0 \uc2dc\ud5d8 \uc218\ud559 \uacf5\uc2dd\uc9d1 \u2014 \ud55c\uad6d\uc5b4 \ubb34\ub8cc \uc790\ub8cc"},"content":{"rendered":"<style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700&family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600&family=Noto+Sans+KR:wght@400;500;600;700&family=Noto+Sans+SC:wght@400;500;600;700&display=swap\");\n.np-page{color:#0F2A44;font-size:17px;line-height:1.65;padding:30px 0 60px;background:#FBF7EF}\n.np-page.ko{font-family:\"Noto Sans KR\",Inter,sans-serif}\n.np-page.zh{font-family:\"Noto Sans SC\",Inter,sans-serif}\n.np-page.ru,.np-page.en{font-family:Inter,sans-serif}\n.np-page *{box-sizing:border-box}\n.np-narrow{max-width:780px;margin:0 auto;padding:0 24px}\n.np-eyebrow{font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#C9A55B;margin-bottom:14px;display:inline-block}\n.np-page h1.np-h1{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:clamp(34px,5vw,52px);line-height:1.1;letter-spacing:-.02em;color:#0F2A44;margin:0 0 14px}\n.np-lede{font-size:19px;line-height:1.55;color:#1B3A5A;margin:0 0 28px}\n.np-page h2{font-family:Fraunces,serif;font-weight:500;font-size:28px;letter-spacing:-.018em;color:#0F2A44;margin:30px 0 12px}\n.np-page p{margin:0 0 14px;color:#1B3A5A}\n.np-page strong{color:#0F2A44}\n.np-card{background:#fff;border:1px solid #E8DFCC;border-radius:14px;padding:24px 28px;margin:14px 0}\n.np-formula{font-family:'Courier New',monospace;background:#F5EEDF;border:1px solid #E8DFCC;border-radius:8px;padding:12px 16px;font-size:15.5px;color:#0F2A44;margin:10px 0;font-weight:600}\n.np-example{background:#F5EEDF;border-left:3px solid #C9A55B;padding:12px 16px;margin:10px 0;font-size:15px;color:#1B3A5A;border-radius:0 8px 8px 0}\n.np-example b{color:#0F2A44}\n.np-tag{display:inline-block;background:rgba(201,165,91,.15);color:#8C6230;padding:3px 10px;border-radius:999px;font-size:12px;font-weight:600;letter-spacing:.05em;margin-bottom:8px}\n.np-btn{display:inline-block;background:#C9A55B;color:#fff;padding:13px 22px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none}\n.np-btn:hover{background:#8C6230;color:#fff}\n.np-cta{background:#0F2A44;color:#FBF7EF;border-radius:14px;padding:30px;text-align:center;margin:36px 0}\n.np-cta h3{font-family:Fraunces,serif;font-size:24px;color:#FBF7EF;margin:0 0 10px}\n.np-cta p{color:rgba(251,247,239,.78);margin:0 0 18px}\n.np-disclaim{background:#FBF7EF;border:1px solid #E8DFCC;border-left:4px solid #C9A55B;border-radius:12px;padding:16px 20px;margin:30px 0 14px;font-size:13.5px;color:#6B6056;line-height:1.55}\n.np-disclaim strong{color:#0F2A44;display:block;margin-bottom:4px}\n<\/style>\n<div class=\"np-page ko\">\n<div class=\"np-narrow\">\n<div style=\"text-align:center\">\n<span class=\"np-eyebrow\">\ud55c\uad6d\uc5b4 \ubb34\ub8cc \uc790\ub8cc<\/span><\/p>\n<h1 class=\"np-h1\">NY \ubd80\ub3d9\uc0b0 \uc2dc\ud5d8 \uc218\ud559 \uacf5\uc2dd\uc9d1<\/h1>\n<p class=\"np-lede\" style=\"margin-left:auto;margin-right:auto\">\ub274\uc695 \ubd80\ub3d9\uc0b0 \uc2dc\ud5d8\uc5d0\uc11c \ucd9c\uc81c\ub418\ub294 \ubaa8\ub4e0 \uc218\ud559 \uacf5\uc2dd\uacfc \uc608\uc81c \ud480\uc774. \ucd9c\ub825\ud574\uc11c \ucc45\uc0c1\uc5d0 \ubd99\uc5ec\ub450\uc138\uc694.<\/p>\n<div style=\"margin-top:20px\"><a href=\"javascript:window.print()\" class=\"np-btn\">\ud83d\udda8 \ud55c\uad6d\uc5b4 \ud398\uc774\uc9c0\ub85c \ub3cc\uc544\uac00\uae30<\/a><\/div>\n<\/div>\n<div class=\"np-disclaim\"><strong>\uc911\uc694 \uc548\ub0b4<\/strong>\ub274\uc695 \ubd80\ub3d9\uc0b0 \uc2dc\ud5d8\uc740 \uc601\uc5b4\ub85c\ub9cc \uc2dc\ud589\ub429\ub2c8\ub2e4. \uc774 \uc790\ub8cc\ub294 \ud559\uc2b5 \ubcf4\uc870\uc6a9\uc774\uba70 &#8211; \uc2e4\uc81c \uc2dc\ud5d8\uc740 \uc601\uc5b4\ub85c \ucd9c\uc81c\ub429\ub2c8\ub2e4. NY Real Estate Prep\uc740 \ub3c5\ub9bd\uc801\uc778 \ud559\uc2b5 \ub3c4\uad6c\uc774\uba70 \ub274\uc695\uc8fc \uad6d\ubb34\ubd80(NY DOS)\uc640 \ubb34\uad00\ud569\ub2c8\ub2e4.<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\uc218\uc218\ub8cc<\/span><\/p>\n<h2>1. \ubd80\ub3d9\uc0b0 \uc218\uc218\ub8cc (Commission)<\/h2>\n<div class=\"np-formula\">\uc218\uc218\ub8cc = \ub9e4\ub9e4\uac00 \u00d7 \uc218\uc218\ub8cc\uc728<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> \uc8fc\ud0dd\uc774 $500,000\uc5d0 6% \uc218\uc218\ub8cc\ub85c \ub9e4\ub9e4. \ucd1d \uc218\uc218\ub8cc = $500,000 \u00d7 0.06 = <b>$30,000<\/b>.<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\uc218\uc218\ub8cc \ubd84\ud560<\/span><\/p>\n<h2>2. \ube0c\ub85c\ucee4 \ubd84\ud560 (Co-Broker Split)<\/h2>\n<div class=\"np-formula\">\uc5d0\uc774\uc804\ud2b8 \uc218\uc785 = \ucd1d \uc218\uc218\ub8cc \u00d7 \ube0c\ub85c\ucee4\ub9ac\uc9c0 \ubd84\ud560 \u00d7 \uc5d0\uc774\uc804\ud2b8 \ubd84\ud560<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> \ucd1d \uc218\uc218\ub8cc $30,000, \ube0c\ub85c\ucee4\ub9ac\uc9c0 \ubd84\ud560 50%, \uc5d0\uc774\uc804\ud2b8 \ubd84\ud560 70%. \uc5d0\uc774\uc804\ud2b8 = $30,000 \u00d7 0.5 \u00d7 0.7 = <b>$10,500<\/b>.<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\uae08\uc735<\/span><\/p>\n<h2>3. \ub514\uc2a4\uce74\uc6b4\ud2b8 \ud3ec\uc778\ud2b8 (Discount Points)<\/h2>\n<div class=\"np-formula\">1 \ud3ec\uc778\ud2b8 = \ub300\ucd9c\uae08\uc758 1%<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> \ub300\ucd9c\uae08 $400,000\uc5d0 2 \ud3ec\uc778\ud2b8. \ube44\uc6a9 = $400,000 \u00d7 0.02 = <b>$8,000<\/b>. \uc8fc\uc758: \ub9e4\ub9e4\uac00\uac00 \uc544\ub2c8\ub77c <b>\ub300\ucd9c\uae08<\/b>\uc5d0 \uc801\uc6a9.<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\uae08\uc735<\/span><\/p>\n<h2>4. LTV (\ub300\ucd9c\uae08\/\uac00\uce58 \ube44\uc728)<\/h2>\n<div class=\"np-formula\">LTV = \ub300\ucd9c\uae08 \u00f7 \ubd80\ub3d9\uc0b0 \uac00\uce58<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> $400,000 \ubd80\ub3d9\uc0b0\uc5d0 $360,000 \ub300\ucd9c. LTV = 360,000 \/ 400,000 = <b>90%<\/b>. (80% \ucd08\uacfc \uc2dc PMI \uc77c\ubc18\uc801 \ud544\uc694)<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\uae08\uc735<\/span><\/p>\n<h2>5. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 (Down Payment)<\/h2>\n<div class=\"np-formula\">\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 = \ub9e4\ub9e4\uac00 \u00d7 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 %<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> $500,000\uc758 20% \ub2e4\uc6b4 = $500,000 \u00d7 0.20 = <b>$100,000<\/b>. \ub300\ucd9c\uae08 = $400,000.<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\ud074\ub85c\uc9d5 \uacc4\uc0b0<\/span><\/p>\n<h2>6. \uc77c\ud560 \uacc4\uc0b0 (Proration, 365\uc77c)<\/h2>\n<div class=\"np-formula\">\uc77c\uc77c \uc694\uc728 = \uc5f0\uac04 \uae08\uc561 \u00f7 365<br \/>\uc77c\ud560 = \uc77c\uc77c \uc694\uc728 \u00d7 \uc77c\uc218<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> \uc5f0\uac04 \uc7ac\uc0b0\uc138 $4,380. \uc77c\uc77c \uc694\uc728 = $4,380 \/ 365 = $12\/\uc77c. 90\uc77c\ubd84 = $12 \u00d7 90 = <b>$1,080<\/b>.<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\uba74\uc801<\/span><\/p>\n<h2>7. \uba74\uc801 \ubc0f \uc5d0\uc774\ucee4 \ubcc0\ud658<\/h2>\n<div class=\"np-formula\">1 \uc5d0\uc774\ucee4 = 43,560 \ud3c9\ubc29\ud53c\ud2b8<br \/>1 \ud3c9\ubc29\ub9c8\uc77c = 640 \uc5d0\uc774\ucee4<br \/>\uc9c1\uc0ac\uac01\ud615 \uba74\uc801 = \uae38\uc774 \u00d7 \ub108\ube44<br \/>\uc0bc\uac01\ud615 \uba74\uc801 = (\ubc11\ubcc0 \u00d7 \ub192\uc774) \u00f7 2<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> 100ft \u00d7 200ft \ubd80\uc9c0 = 20,000 sq ft \u00f7 43,560 = <b>0.46 \uc5d0\uc774\ucee4<\/b>.<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\ud22c\uc790<\/span><\/p>\n<h2>8. Cap Rate (\uc790\ubcf8\ud654\uc728)<\/h2>\n<div class=\"np-formula\">Cap Rate = NOI \u00f7 \ubd80\ub3d9\uc0b0 \uac00\uce58<br \/>\uac00\uce58 = NOI \u00f7 Cap Rate<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> NOI $60,000 \/ \uac00\uaca9 $750,000 = <b>Cap Rate 8%<\/b>. \uac00\uce58 \uacc4\uc0b0: NOI $80,000 \u00f7 0.08 = <b>$1,000,000<\/b>.<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\ud22c\uc790<\/span><\/p>\n<h2>9. GRM (\ucd1d\uc784\ub300\ub8cc \uc2b9\uc218)<\/h2>\n<div class=\"np-formula\">GRM = \ub9e4\ub9e4\uac00 \u00f7 \uc6d4 \uc784\ub300\ub8cc<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> $300,000 \ubd80\ub3d9\uc0b0 \uc6d4 \uc784\ub300 $2,000. GRM = 300,000 \/ 2,000 = <b>150<\/b>. \ube44\uc2b7\ud55c \ubd80\ub3d9\uc0b0 ($2,500\/\uc6d4) \uac00\uce58 = $2,500 \u00d7 150 = <b>$375,000<\/b>.<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\uc7ac\uc0b0\uc138<\/span><\/p>\n<h2>10. Mill Rate (\uc7ac\uc0b0\uc138\uc728)<\/h2>\n<div class=\"np-formula\">\uc138\uae08 = \ud3c9\uac00\uac00\uce58 \u00d7 Mill Rate \u00f7 1,000<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> \ud3c9\uac00\uac00\uce58 $200,000, 25 mills. \uc5f0\uac04 \uc138\uae08 = 200,000 \u00d7 25 \/ 1,000 = <b>$5,000<\/b>.<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\ub9cc\ub2a5 \ub3c4\uad6c<\/span><\/p>\n<h2>11. T-Method (T\uc790 \ubc29\ubc95)<\/h2>\n<div class=\"np-formula\">\uc804\uccb4 \u00d7 \ube44\uc728 = \ubd80\ubd84<br \/>\ubd80\ubd84 \u00f7 \ube44\uc728 = \uc804\uccb4<br \/>\ubd80\ubd84 \u00f7 \uc804\uccb4 = \ube44\uc728<\/div>\n<div class=\"np-example\"><b>\uc608\uc2dc:<\/b> $400,000 \ub9e4\ub9e4\uc5d0 $24,000 \uc218\uc218\ub8cc. \ube44\uc728 = 24,000 \/ 400,000 = <b>6%<\/b>.<\/div>\n<\/div>\n<div class=\"np-cta\">\n<h3>\uc900\ube44\ub418\uc168\ub098\uc694?<\/h3>\n<p>10\ubb38\uc81c \ubb34\ub8cc \uc9c4\ub2e8 \ud14c\uc2a4\ud2b8\ub85c \ubcf8\uc778 \uc2e4\ub825\uc744 \ud655\uc778\ud558\uc138\uc694.<\/p>\n<p><a href=\"\/courses\/free-ny-real-estate-quiz\/\" class=\"np-btn\">\ubb34\ub8cc \uc9c4\ub2e8 \uc2dc\uc791 \u2192<\/a>\n<\/div>\n<p style=\"text-align:center;font-size:14px;color:#6B6056;margin-top:30px\"><a href=\"\/korean\/\" style=\"color:#8C6230\">\u2190 \ud55c\uad6d\uc5b4 \ud398\uc774\uc9c0\ub85c \ub3cc\uc544\uac00\uae30<\/a><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\ud55c\uad6d\uc5b4 \ubb34\ub8cc \uc790\ub8cc NY \ubd80\ub3d9\uc0b0 \uc2dc\ud5d8 \uc218\ud559 \uacf5\uc2dd\uc9d1 \ub274\uc695 \ubd80\ub3d9\uc0b0 \uc2dc\ud5d8\uc5d0\uc11c \ucd9c\uc81c\ub418\ub294 \ubaa8\ub4e0 \uc218\ud559 \uacf5\uc2dd\uacfc \uc608\uc81c \ud480\uc774. \ucd9c\ub825\ud574\uc11c \ucc45\uc0c1\uc5d0 \ubd99\uc5ec\ub450\uc138\uc694. \ud83d\udda8 \ud55c\uad6d\uc5b4 \ud398\uc774\uc9c0\ub85c \ub3cc\uc544\uac00\uae30 \uc911\uc694 \uc548\ub0b4\ub274\uc695 \ubd80\ub3d9\uc0b0 \uc2dc\ud5d8\uc740 \uc601\uc5b4\ub85c\ub9cc \uc2dc\ud589\ub429\ub2c8\ub2e4. \uc774 \uc790\ub8cc\ub294 \ud559\uc2b5 \ubcf4\uc870\uc6a9\uc774\uba70 &#8211; \uc2e4\uc81c \uc2dc\ud5d8\uc740 \uc601\uc5b4\ub85c \ucd9c\uc81c\ub429\ub2c8\ub2e4. NY Real Estate Prep\uc740 \ub3c5\ub9bd\uc801\uc778 \ud559\uc2b5 \ub3c4\uad6c\uc774\uba70 \ub274\uc695\uc8fc \uad6d\ubb34\ubd80(NY DOS)\uc640 \ubb34\uad00\ud569\ub2c8\ub2e4. \uc218\uc218\ub8cc 1. \ubd80\ub3d9\uc0b0 \uc218\uc218\ub8cc (Commission) [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-586","page","type-page","status-publish","hentry"],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=\/wp\/v2\/pages\/586","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=586"}],"version-history":[{"count":0,"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=\/wp\/v2\/pages\/586\/revisions"}],"wp:attachment":[{"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=586"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}