1. 문제 상황 대출이 필요할 때 가장 많이 고민하는 것이 바로 예금담보대출을 사용할지, 아니면 신용대출을 받을지 입니다. 특히 이미 정기예금을 보유하고 있는 경우라면 예금을 깨는 것이 맞는지, 아니면 담보로 대출을 받는 것이 유리한지 판단이 쉽지 않습니다. 2. 비교 조건 (실제 사례 기준) 아래와 같은 상황을 가정해보겠습니다. 정기예금: 46,000,000원 예금 금리: 연 2.9% 예금담보대출 금리: 연 4.15% 신용대출 금리: 연 3.5% 이 조건에서 어떤 선택이 더 유리한지 계산해보겠습니다. 3. 예금담보대출의 실제 비용 예금담보대출은 겉으로 보면 금리가 높아 보이지만, 예금 이자를 계속 받을 수 있다는 점이 핵심입니다. 👉 실질 금리 계산 대출이자: 4.15% 예금이자 수익: 2.9% 👉 실제 부담 금리 = 4.15% - 2.9% = 1.25% 즉, 실제로는 약 1.25% 수준의 비용만 부담하는 구조입니다. 4. 신용대출의 실제 비용 신용대출은 구조가 단순합니다. 대출금리: 3.5% 별도의 이자 수익 없음 👉 실제 부담 금리 = 3.5% 5. 최종 비교 결과 구분 실질 금리 예금담보대출 약 1.25% 신용대출 3.5% 👉 결과: 예금담보대출이 훨씬 유리 6. 언제 예금담보대출이 더 좋은가? 다음 조건이라면 예금담보대출이 거의 무조건 유리합니다. 예금 금리가 높은 경우 대출 기간이 짧은 경우 예금을 유지해야 하는 상황 (세금, 목적자금 등) 7. 반대로 신용대출이 나은 경우 다음 상황이라면 신용대출도 고려할 수 있습니다. 예금 금리가 매우 낮은 경우 대출금액이 예금보다 큰 경우 예금을 해지해도 큰 손해가 없는 경우 8. 결론 정리하면, 예금이 있다면 무조건 깨는 것보다 담보대출을 먼저 검토하는 것이 유리합니다. 특히 금리 차이를 단순 비교하는 것이 아니라 예금 이자를 포함한 ‘실질 금리’ 기준으로 판단하는 것이 중요합니다. 9. 한 줄 정리 👉 예금담보대출은 생각보다 훨씬 저렴한 ...
Hello, Enjoy Your Life is here. Today, I will share my personal experience with Korean Air B787-9 prestige class from ICN to DFW.
Flight: KE031
Aircraft Type: Boeing 787-9
Flight Duration: About 13H
Seat: Prestige Suite
Korean Air B787-9 ICN-DFW Prestige Suite
Shall we watch a video before we get started?
Incheon International Airport Korean Air Prestige Lounge Renewal from August 18th 2025 Monday
Starting Monday, August 18, 2025, the Korean Air Lounge at Incheon International Airport will be completely renewed. Until then, there are two lounges: one on the east side near Gate 253 and another on the west side near Gate 249. Next time, I will show you the renewed lounge’s location and what it looks like.
ICN-DFW
Flight B787-9 does not have a first-class cabin.
Pre-Order for In-Flight Meals
You can pre-order in-flight meals in advance through the Korean Air website or mobile app.
Seat
The seat color has changed from the previous blue to black. It also seems that Korean Air is updating its logo and making various other changes.
Amenities
The pouch has been replaced with a Graff product. However, the contents were a bit simple, which was somewhat disappointing.
Prestige Class In-Flight Fine Dining
The menu color has also changed from the old sky blue to dark blue. I pre-ordered Pan Seared Halibut with Bisque Sauce as my in-flight meal and will take a look at the video of what was served.
Amuse-bouche is a soup made with smoked crabmeat in an asparagus veloute sauce. For my first meal, I paired it with white wines: Australian Yarra Valley Chardonnay (Levantine Hill, Coldstream) and German Rheinhessen Riesling (Mol Sheim Riesling).
The appetizer was a grilled octopus salad.
The soup was tomato and shrimp soup.
Finally, my main dish, pan-seared halibut with bisque sauce, arrived.
Here is cheese.
For dessert wine, I had a red Porto wine: Sandeman Founders’ Reserve from Portugal’s Douro region.
I finished my meal with dessert and ice cream. I was very satisfied with my first course.
For a snack, I had cookies, Korean ramen, and beef jerky. I personally enjoyed the rice cake and small dumplings in the ramen, but it was too spicy for me.
I was very satisfied with the second meal as well. I’m not entirely sure, but since Korean Air updated their logo and services, it seems to me that their in-flight meals have improved and become more delicious.
Summary: I always enjoy and am satisfied with Korean Air’s service, so I often choose them whenever I fly. Personally, I would rate them 4 out of 5, as the seat feels a bit small for me.
Have a great day.
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