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, welcome to Enjoy Your Life. Today, I will talk about my recent trip to Vancouver and Ottawa in Canada. Most of the people preparing to travel to Canada will be considering to visit either Vancouver or Toronto. If you can visit both cities because you have a lot of time, you can visit both cities, but if you have to visit only one city because you don't have enough time, I recommend Toronto for those who like the city life and Vancouver for those who like seafood and leisurely travel in sea.
Preparing to travel to Canada
For Foreigners (Requirement may vary depending on your citizenship)
ETA ( No ETA required when entering Canada by land or ship )
When foreigners travel to the United States, they visit with an electronic travel permit system called ESTA. Is Canada similar to the United States?
Yes, similarly, you need to get an ETA issued on the Internet and once you get an ETA, you can stay in Canada without a visa for 180 days, and the validity is 5 years. It is usually approved within 72 hours.
Cost: $7 CAD
Required document: Passport, Credit Card, Email Address
110v & 120v
The Canadian voltage is 110v & 120v. You must take your converter if you do not use 110v or 120v in your home country.
Transportation/International Driver's license
If you visit a big city, you can use the subway or bus, and if you want to use a rental car, you can take an international license from your home country. If you do not want to drive, then you can use Uber.
Vancouver
First of all, Vancouver is a major city in British Columbia. It's similar to LA in the U.S. Even though it's a big city, people are laid-back.
Location/Weather
The location is really close to Seattle in the U.S. What do travelers who have lived or visited in Seattle, USA, think of when it comes to Seattle weather? It rains a lot. Yes, because it is close to Seattle in terms of geography, it has similar weather to Seattle.
Places to visit in downtown Vancouver, Canada:
1. Stanley Park
The park is recommended for those who like natural scenery.
Let's watch a short video on the way to Stanley Park.
2. Granville Island
This place is recommended for those who like to go to the local market. However, I was disappointed that the products and foods were cheaper or less fresh than I thought.
Enjoy Your Life Recommended Travel Period: Vancouver 3 days
Enjoy Your Life Pick Restaurant: Five Sails Restaurant
Five Sails Restaurant
Address: 999 Canada Pl Suite 410, Vancouver, BC V6C 3E1, Canada
Phone#: +1 604 844 2855
- The restaurant is recommended for those who want traditional North American steaks, seafood, and sea and mountain views
Summary: I recommend you to visit Vancouver if you like seafood, beach, and relaxing travel while visiting Canada. I want to give four out of five.
Ottawa
Canadians say that there is nothing to do in Ottawa. And there are often people who don't know that Ottawa is the capital of Canada. Just as some people think the capital of the United States is New York City, others think that the capital of Canada as Toronto.
Unlike Canadians who call Ottawa a boring city, I was satisfied with the European style of architecture and museums, and I think that the city is worth to visit at least once.
Shall we watch a short video of the city?
Weather/Location
As you can see from the map above, the location is close to Toronto and Montreal, and the weather is relatively similar to those cities.
Recommended places to visit in Ottawa:
1. Parliament Hill and Buildings
- This place is recommended for those who like European architecture.
2. ByWard Mraket
- I recommend this place if you want to feel the atmosphere of the local traditional market.
3. Art gallery and museums
There are many art galleries and museums such as National Gallery of Canada, Canadian Museum of Nature, Canada Science and Technology Museum, so it would be great to visit those places if you are interested in.
Enjoy Your Life Recommended Travel Period : Ottawa 2 days
Enjoy Your Life Pick Restaurant: Giulia
Giulia
Address: 61 York St, Ottawa, ON K1N 9C7 Canada
Phone#: +1 613 562 4987
- I highly recommend this restaurant for those who like pizza.
Summary: If you like a quiet trip, I recommend visiting Ottawa. I want to give 4 out of 5 because there are many things to see in the city, and there are many good restaurants.
Have a great day.
I forbid unauthorized use of my writing and photos!!