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 ...
Hi, welcome to Enjoy Your Life! Today, I’ll be sharing about my trip to Kaohsiung and Taipei.
Kaohsiung
I decided to take a taxi to get a feel for Kaohsiung. My first destination was the Kaohsiung Confucius Temple. It’s a beautiful structure, originally built in 1684. However, it was damaged during the Japanese colonial period and later rebuilt in 1976.
I walked around slowly and even took a moment to pray. Since many parts of Asia share similar cultural influences, the architecture didn’t feel particularly unique to me. The temple grounds were quiet, with hardly any people around. After making a quick lap, I headed toward the nearby lake.
My next stop was the Zuoying Yuandi Temple, home to a huge statue of Guan Yu. I went inside, prayed again, and then continued exploring.
Soon, I arrived at the famous Dragon and Tiger Pagodas. True to their name, one is shaped like a dragon and the other like a tiger. There’s a local superstition that says you should enter through the dragon’s mouth and exit through the tiger’s mouth for good luck. Keep this in mind if you plan to visit!
Overall, walking from the Confucius Temple to the other sites was a great experience. If you’re planning a trip to Kaohsiung, I definitely recommend including this area in your itinerary.
For dinner, I headed to Ruifeng Night Market. The market wasn’t very large, but it was lively and packed with people, especially young crowds. I tried some food from a stall that looked delicious—it really was! Afterward, I grabbed some bread for dessert. However, I personally didn’t find the market that impressive. It felt a bit dirty, so I was a little concerned about sanitation.
The following evening, I tried the famous Taiwanese restaurant Din Tai Fung. Since it also has branches in Korea and the U.S., I’ve eaten there many times. No matter where you go, Din Tai Fung tastes consistently the same, which is reassuring but not surprising.
After exploring Kaohsiung, it was time to move on to Taipei. I took the Taiwan High Speed Rail (THSR), which is similar to Korea’s KTX. The ride took about two hours. To me, Kaohsiung felt like a quiet city—worth visiting once, but not a place with endless things to see.
Taipei
I’m sure those of you preparing to travel to Taipei have often come across the term “YeShiJinJi.” It’s actually an acronym.
Ye: Yeliou
Shi: Shifen Railway Station
Jin: Jinguashih
Ji: Jioufen
It is said that “YeShiJinJi” refers to Yeliu, Shifen, Jiufen, and Jinguashih. I visited Yeliu, Shifen, and Jiufen, but I personally skipped Jinguashih because I thought it might not be very fun.
Let’s start with Jiufen. Many people recommend visiting in the evening for the atmosphere, but I ended up going during the day. I took a taxi to get to the main tourist spots.
Compared to Ruifeng Night Market in Kaohsiung, Jiufen felt a little cleaner, but it was definitely more crowded. There was a wide variety of food, though the smell in some areas was quite strong as I walked by. I wandered through the streets for a while, and then climbed up the stairs—where I was rewarded with a stunning view.
Yehliu Geopark is about an hour’s drive from Taipei. The park is famous for its unusual rock formations, making it a must-visit spot for anyone traveling to Taipei, Taiwan. I found it especially fascinating because of its unique natural environment, something you can’t see in Korea.
Next, we headed to Shifen Railway Station, famous for its sky lanterns. People write their wishes on lanterns and release them into the sky—it’s a beautiful sight.
Taiwan also seems to have an endless variety of delicious desserts. Personally, I love mango, so I couldn’t resist trying mango ice cream. It was absolutely delicious.
To wrap up my Taipei trip, I visited Shifen Waterfall, often called the “Little Niagara of Taiwan.”
On the way to the airport, I also passed by the Grand Hotel Taipei, a five-star landmark hotel, and managed to get a quick look.
Enjoy Your Life Recommended [Taiwan] Kaohsiung City -> Taipei Travel Route!!
Kaohsiung City -> Taipei
About 2 hrs by HSR
Enjoy Your Life Recommended Travel Period:
Kaohsiung City One night and two days
Taipei Two nights and three days
Enjoy Your Life Pick Hotel:
Shangri-La's Far Eastern Plaza Hotel (5 Star) - Taipei
Silks Club Hotel (5 Star) - Kaohsiung City
Enjoy Your Life Pick Pick Restaurant: Ya Ge - Michelin One Star Restaurant
Address: No. 158, DunHua N Rd, Songshan District, Taipei City, Taiwan 10548
Phone #: 886-2-2715-6788
Hours: Mon~Fri (12PM-3PM; 6PM-10PM)
Sat~Sun (11:30AM-3PM; 6-10PM)
Summary: If I had to choose between Kaohsiung and Taipei, I would recommend Taipei without hesitation. Of course, it depends on your personality, but Taipei felt more like a vibrant city with more sights, activities, and food options compared to Kaohsiung. Personally, I would rate both cities 3 out of 5.
Have a great day.
I forbid unauthorized use of my writing and photos!!