https://eatfirstblog.tistory.com/ eatfirstblog 님의 블로그 입니다. ko Sun, 28 Jun 2026 16:01:02 +0900 TISTORY 100 밥챙겨주는사람 https://eatfirstblog.tistory.com/40 <div style="text-align: center; margin-bottom: 30px;"><img 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CBAgAABAgTyKKBORRMQgBStx9SXAAECBAgQIECAQIEFBCAF7rz6qlsmQIAAAQIECBAgkHcBAUjee0j9CBAogoA6EiBAgAABAm0KCEDahJKMAAECBAgQyKOAOhEgUDQBAUjRekx9CRAgQIAAAQIECORBoMs6CEC6hLMbAQIECBAgQIAAAQKdCwhAOjezB4F6AcsECBAgQIAAAQJtCghA2oSSjAABAgTyKKBOBAgQIFA0AQFI0XpMfQkQIECAAAECeRBQBwJdCghAuoSzGwECBAgQIECAAAECnQsIQDo3q9/DMgECBAgQIECAAAECbQoIQNqEkowAgTwKqBMBAgQIECBQNAEBSNF6TH0JECBAgEAeBNSBAAECXQoIQLqEsxsBAgQIECBAgACBUQgUvUwBSNF7UP0JECBAgAABAgQIFEhAAFKgzlLVegHLBAgQIECAAAECRRMQgBStx9SXAAECeRBQBwIECBAg0KWAAKRLOLsRIECAAAECBEYhoEwCRRcQgBS9B9WfAAECBAgQIECAQIEEChyAFEhZYZhZBAAAEABJREFUVQkQIECAAAECBAgQqAkIQGoM/iFAoCMBiQkQIECAAAECXQoIQLqEsxsBAgQIEBiFgDIJECBQdAEBSNF7UP0JECBAgAABAgSGIaCMPgkIQPoEKRsCBAgQIECAAAECBFoLCEBaG0lRL2CZAAECBAgQIECAQJcCApAu4exGgACBUQgokwABAgQIFF1AAFL0HlR/AgQIECBAYBgCyiBAoE8CApA+QcqGAAECBAgQIECAAIHWAp0HIK3zlIIAAQIECBAgQIAAAQINBQQgDVmsJJBPAbUiQIAAAQIECBRdQABS9B5UfwIECBAYhoAyCBAgQKBPAgKQPkHKhgABAgQIECBAYBAC8iybgACkbD2qPQQIECBAgAABAgRyLCAAyXHn1FfNMgECBAgQIECAAIGiCwhAit6D6k+AwDAElEGAAAECBAj0SUAA0idI2RAgQIAAAQKDEJAnAQJlExCAlK1HtYcAAQIECBAgQIBAPwQGlIcAZECwsiVAgAABAgQIECBAYHoBAcj0JtYQqBewTIAAAQIECBAg0CcBAUifIGVDgAABAoMQkCcBAgQIlE1AAFK2HtUeAgQIECBAgEA/BORBYEACApABwcqWAAECBAgQIECAAIHpBQQg05vUr7FMgAABAgQIECBAgECfBAQgfYKUDQECgxCQJwECBAgQIFA2AQFI2XpUewgQIECAQD8E5EGAAIEBCQhABgQrWwIECBAgQIAAAQLdCJR9HwFI2XtY+wgQIECAAAECBAjkSEAAkqPOUJV6AcsECBAgQIAAAQJlExCAlK1HtYcAAQL9EJAHAQIECBAYkIAAZECwsiVAgAABAgQIdCNgHwJlFxCAlL2HtY8AAQIECBAgQIBAjgRyHIDkSElVCBAgQIAAAQIECBDoi4AApC+MMiFQMgHNIUCAAAECBAgMSEAAMiBY2RIgQIAAgW4E7EOAAIGyCwhAyt7D2keAAAECBAgQINCOgDRDEhCADAlaMQQIECBAgAABAgQIpCQA8SqYXsAaAgQIECBAgAABAgMSEIAMCFa2BAgQ6EbAPgQIECBAoOwCApCy97D2ESBAgAABAu0ISEOAwJAEBCBDglYMAQIECBAgQIAAAQKNrgGhQoAAAQIECBAgQIAAgQEJOAMyIFjZEuhGwD4ECBAgQIAAgbILCEDK3sPaR4AAAQLtCEhDgAABAkMSEIAMCVoxBAgQIECAAAECjQSsGzcBAci49bj2EiBAgAABAgQIEBihgABkhPj1RVsmQIAAAQIECBAgUHYBAUjZe1j7CBBoR0AaAgQIECBAYEgCApAhQSuGAAECBAgQaCRgHQEC4yYgABm3HtdeAgQIECBAgAABAiEwoocAZETwiiVAgAABAgQIECAwjgICkHHsdW2uF7BMgAABAgQIECAwJAEByJCgFUOAAAECjQSsI0CAAIFxExCAjFuPay8BAgQIECBAIAQ8CIxIQAAyInjFEiBAgAABAgQIEBhHAQFISuPY79pMgAABAgQIECBAYCQCApCRsCuUAIHnBPxLgAABAgQIjJuAAGTcelx7CRAgQIBACHgQIEBgRAICkBHBK5YAAQIECBAgQGA8Bca91QKQcX8FaD8BAgQIECBAgACBIQoIQIaIrah6AcsECBAgQIAAAQLjJiAAGbce114CBAiEgAcBAgQIEBiRgABkRPCKJUCAAAECBMZTQKsJjLuAAGTcXwHaT4AAAQIECBAgQGCIAiMMQIbYSkURIECAAAECBAgQIJALAQFILrpBJQgMWUBxBAgQIECAAIERCQhARgSvWAIECBAYTwGtJkCAwLgLCEDG/RWg/QQIECBAgACB8RDQypwICEBy0hGqQYAAAQIECBAgQGAcBAQg49DL9W20TIAAAQIECBAgQGBEAgKQEcErlgCB8RTQagIECBAgMO4CApBxfwVoPwECBAgQGA8BrSRAICcCApCcdIRqECBAgAABAgQIECinwLStEoBM62GJAAECBAgQIECAAIEBCghABograwL1ApYJECBAgAABAuMuIAAZ91eA9hMgQGA8BLSSAAECBHIiIADJSUeoBgECBAgQIECgnAJaRWBaAQHItB6WCBAgQIAAAQIECBAYoIAAZIC49VlbJkCAAAECBAgQIDDuAgKQcX8FaD+B8RDQSgIECBAgQCAnAgKQnHSEahAgQIAAgXIKaBUBAgSmFRCATOthiQABAgQIECBAgEA5BHLaCgFITjtGtQgQIECAAAECBAiUUUAAUsZe1aZ6AcsECBAgQIAAAQI5ERCA5KQjVIMAAQLlFNAqAgQIECAwrYAAZFoPSwQIECBAgACBcghoBYGcCghActoxqkWAAAECBAgQIECgjALjEICUsd+0iQABAgQIECBAgEAhBQQghew2lSZQFAH1JECAAAECBAhMKyAAmdbDEgECBAgQKIeAVhAgQCCnAgKQnHaMahEgQIAAAQIECBRTQK2zBQQg2T62EiBAgAABAgQIECDQRwEBSB8xZVUvYJkAAQIECBAgQIDAtAICkGk9LBEgQKAcAlpBgAABAgRyKiAAyWnHqBYBAgQIECBQTAG1JkAgW0AAku1jKwECBAgQIECAAAECfRQYYADSx1rKigABAgQIECBAgACBUggIQErRjRpBoE7AIgECBAgQIEAgpwICkJx2jGoRIECAQDEF1JoAAQIEsgUEINk+thIgQIAAAQIECBRDQC0LIiAAKUhHqSYBAgQIECBAgACBMggIQMrQi/VtsEyAAAECBAgQIEAgpwICkJx2jGoRIFBMAbUmQIAAAQIEsgUEINk+thIgQIAAAQLFEFBLAgQKIiAAKUhHqSYBAgQIECBAgACBfAp0VisBSGdeUhMgQIAAAQIECBAg0IOAAKQHPLsSqBewTIAAAQIECBAgkC0gAMn2sZUAAQIEiiGglgQIECBQEAEBSEE6SjUJECBAgAABAvkUUCsCnQkIQDrzkpoAAQIECBAgQIAAgR4EBCA94NXvapkAAQIECBAgQIAAgWwBAUi2j60ECBRDQC0JECBAgACBgggIQArSUapJgAABAgTyKaBWBAgQ6ExAANKZl9QECBAgQIAAAQIE8iFQ0FoIQAracapNgAABAgQIECBAoIgCApAi9po61wtYJkCAAAECBAgQKIiAAKQgHaWaBAgQyKeAWhEgQIAAgc4EBCCdeUlNgAABAgQIEMiHgFoQKKiAAKSgHafaBAgQIECAAAECBIooUIYApIju6kyAAAECBAgQIEBgLAUEIGPZ7RpNoF8C8iFAgAABAgQIdCYgAOnMS2oCBAgQIJAPAbUgQIBAQQUEIAXtONUmQIAAAQIECBAYjYBSexMQgPTmZ28CBAgQIECAAAECBDoQEIB0gCVpvYBlAgQIECBAgAABAp0JCEA685KaAAEC+RBQCwIECBAgUFABAUhBO061CRAgQIAAgdEIKJUAgd4EBCC9+dmbAAECBAgQIECAAIEOBHoIQDooRVICBAgQIECAAAECBAhUBQQgVQT/EyicgAoTIECAAAECBAoqIAApaMepNgECBAiMRkCpBAgQINCbgACkNz97EyBAgAABAgQIDEdAKSUREICUpCM1gwABAgQIECBAgEARBAQgReil+jpaJkCAAAECBAgQIFBQAQFIQTtOtQkQGI2AUgkQIECAAIHeBAQgvfnZmwABAgQIEBiOgFIIECiJgACkJB2pGQQIECBAgAABAgQGI9DfXAUg/fWUGwECBAgQIECAAAECGQICkAwcmwjUC1gmQIAAAQIECBDoTUAA0pufvQkQIEBgOAJKIUCAAIGSCAhAStKRmkGAAAECBAgQGIyAXAn0V0AA0l9PuREgQIAAAQIECBAgkCEgAMnAqd9kmQABAgQIECBAgACB3gQEIL352ZsAgeEIKIUAAQIECBAoiYAApCQdqRkECBAgQGAwAnIlQIBAfwUEIP31lBsBAgQIECBAgACB/giUNBcBSEk7VrMIECBAgAABAgQI5FFAAJLHXlGnegHLBAgQIECAAAECJREQgJSkIzWDAAECgxGQKwECBAgQ6K+AAKS/nnIjQIAAAQIECPRHQC4ESiogAClpx2oWAQIECBAgQIAAgTwKFCEAyaObOhEgQIAAAQIECBAg0IWAAKQLNLsQGB8BLSVAgAABAgQI9FdAANJfT7kRIECAAIH+CMiFAAECJRUQgJS0YzWLAAECBAgQIECgOwF7DVZAADJYX7kTIECAAAECBAgQIDBJQAAyCcPTegHLBAgQIECAAAECBPorIADpr6fcCBAg0B8BuRAgQIAAgZIKCEBK2rGaRYAAAQIECHQnYC8CBAYrIAAZrK/cCRAgQIAAAQIECBCYJJARgExK5SkBAgQIECBAgAABAgT6ICAA6QOiLAj0XUCGBAgQIECAAIGSCghAStqxmkWAAAEC3QnYiwABAgQGKyAAGayv3AkQIECAAAECBNoTkGpMBAQgY9LRmkmAAAECBAgQIEAgDwICkDz0Qn0dLBMgQIAAAQIECBAoqYAApKQdq1kECHQnYC8CBAgQIEBgsAICkMH6yp0AAQIECBBoT0AqAgTGREAAMiYdrZkECBAgQIAAAQIEGgsMd60AZLjeSiNAgAABAgQIECAw1gICkLHufo2vF7BMgAABAgQIECAwWAEByGB95U6AAAEC7QlIRYAAAQJjIiAAGZOO1kwCBAgQIECAQGMBawkMV0AAMlxvpREgQIAAAQIECBAYawEByKTu95QAAQIECBAgQIAAgcEKCEAG6yt3AgTaEPjvs8+mp//wl/Tk7//U8BHb/vvss23klJ8kf/v7Pxu2ZaKNsT0/te2+JtGOiTY1+hvbu899+Hv+6//9O7Pf/vLM34dfKSUS6FHgP//5b/r9039u+tr+45//mv73v//1WMpodo/vhviOaPT5E+tiW6QZTe2U2kxAANJMxnoCBIYmEF8QK6+9Z1pgma0aPmJbpBlahfpQ0FkXXtuwLRNtjO19KGbkWUQ7JtrU6G9sH3klO6jALXfck9lv+x12Vge5FSWpepZd4L5fPZwWX2mHpq/tzXf6cvr7P/5VSIb4bojviEafP7EutkWaQjauxJUWgJS4czWNAAECBAgUQeBnv/hN2v2A03P5uPHWnxSBUB2LKjCm9RaAjGnHazaBsgpcePmNQzmIOeXMK1NM1ymro3aVSyCmwsV0lDt+cF+66ro7p3nccvs96bEn/pBGOb3s0SeeTudf+t1cPu775cPlejFoDYEcCAhActAJqpAQ5EwgDqxvuu0naa+Dz0jLf3b3tNCyW6c551un9ojnq6y3Tzr6pEvS/Q8+kvI2t/bOH/58KAcxN9zy4xTzqofZdT+//7dpuTV2Swsvv+1QHwccec4wm9myrKhPlsG5X7++ZR5lThDvyXhvnnzGlSneq3PNv16ae9GNatNv1tzkwLTlF46Z5rHuloekhZfbJn1wiU1q7/F4jR1+/EW5fH8Xod9iKtPWu19YyZUAABAASURBVB2Xsl6jg9i2+uf3r11LN2ijVu+/QbQtXpPx+Tfotsl/eAICkOFZ96WkODCMUazJj1jXl8y7zCQuXIsL2CbqFBe6DfvALKoeo3cTdYi/Meczvohjm0d7Ar995Km0y36npvcuvGFaf6vD0tkXXZti9O/xJ/+Ynn32f7VHPP/xPfenY069NC39mV3S/Etvlc644Jr0z3/9v/YKkaprgX//+z/pN799Mj32+NN9fLTO609/+mvXdR7EjlGfLIP4LBhEuXnPMz6HI+iI92S8Nw855vwU79VOPo/jff7zX/02nfCVK2rv77kX2SgdeNS5tddb3tufl/rFd+JTv/9zzSzrddrvbY889vuhDAi1ev/1u12RX3zuxedfXvpYPXoXEID0bjjQHJ7569/TZd+6Na29+UEpRrHeveAGtVGsuLBq4hHrYtt6Wx2arrv5rqGMysYX3WlnX5U+sdquaY5510kfXnKzqfX6yNJb1uq66ArbpSNOuLj2IdxvpPiA/92jT9VG4aMOb//w2rXRuwmT+Dvfx7dI75hv3RR/9/jSV9OvHnikr3f5iC/2q+qmMvRrOeYcD/OAPkbs9j3srLT4Stuniy6/qRZotNtnf/jjX9K+h56Zll19t3Tbnff21bjdOkhHYJwFYsBlj4O+WvscjqAj3pP98ojPodOrn/Uxqr3ZTkenGKToV97ySSlBIDCmAlPGtN25b3Z8ocT0l3k+umnaYc8T063fuzczsIgRrptvuzttvN2R6f2LbZxifnp8cfS7oX/92z9SHKjOt9Tm6UvVUbFf/vp3TYuI0ZjjT7+8dhp6n+oBauzbNHGbGyLwiAP/z6y/b1psxe1ro/BZdYhs40zIuV+/Pi2z6i5p6eqjHwfJcdbpmFMvm2Yaw5Z10xp6Wf7igV8Z2nzsCOTW3PjAdMb5VwdX14/f/PaJ9LnNDkrHn35F5mu16wLsSIDANAJxhjcGDBZZftt07sWDn3Z29Q0/SB9bZacUZ1kG8f0yTeMsECBQaoE8BCClBu60cZO/UGL6S5wO7zSP+GI4+MvnpxXX2qM2h7fT/Zul/8m9D6Rlqmc84kC103qdecE1aYmVdqiNkDfLv9X6CGB23vuU2pzmH91zf6vkDbf/+sFHawfJX9j31J5uORgBX5w1aFhIgVY+VA0a1t3ikHT3zx7oW62PPPHitP0eJ069yDVex63ubhPB7FNP/7lvdZARgbILxOfPrvudVpsyGZ9Hw2pvlBVnWTba7oj01NN/6luxL3vpS9Kb3/S6kTxe9KIZ+tYOGREg0J6AAKQ9p6Gk+tOf/5q22uXYvn2hxMF2nCn4v+/9tOf6xwW3MUoeczG7zewPf3omxTSx71z//Y6zmAh+Lrnylo73bbTD179xc9pg60P7+gXaqJw8r4szQ5vucFR68OHH+17NK6+5Y+rZoTiT1+ruNld8+7Y0jPm9lUolfeJjH0lrfeZjLR+fWn6R9OIXv6jvNjIk0KtATM3donrGNT7Hes2r2/3jrPzamx2c4kx3t3lM3m+xBd+fbv/2sSN5fGq5RSZXxXMCBIYgIAAZAnI7RcRI9BobHZC6OTjPyj8uxoypQD/56a+zkmVui3233+OE9I9//iszXTsbY/QsLnKOPNtJH1OuvnXt99KqG+zb92tJ7rzrF7WR+vgyb6cuk9PEFKx+zrOenPcwnv/nv/9NR5389dRq+tow6jLMMmKUdZtNVkkH77Vxy8ceO66d3vC6GYdZvZZlzfqWN6RjD94qnXj4di0fu267ZnrRDM1Hdud8+5vT0Qdu2TKfKGvdNZZuWTcJuhDoYpf4DD3o6PPSTW3+NkW85lddefF0+jE7pTuvPSH9+odnp4d+dO40jwfvOif96MZT0jkn7542XGvZNPNrX9NWzeLzIz7Pu/kMbauAgiZ66UtfnHbYfNW23lvxHoz3YrOmxns43svxPmz1OGjPjdJrXv2KZln1bX18HrSqy8T2BeZ9d2a5m2+wUltO8bkXn3+ZmdlYKAEBSA666/4HH0nrbXnIwA4GIwj50tHnpm6+JGKU/Av7npoij35RRV477n1yeuyJP2RmGcHHJd+8JW2z23EDu6YgRvHOvui6ji+cjoOAuK9+ZgNyvPGuu++vXWzeqorzzD1nOuGwbdMPrz8pxUHK/d8/K914xZFp+80+k+LAptX+tjcXuKoaWDebmhbXcP3r//17up1nmvFVaZkl50srLL1Ay8d73zVbikBzukyeXzHDlCnpo4t+sGU+UdaHPjDX83v5M0qB+Ew8/Zxv124z3aoe73v37Om8U76Y7r3tK+nI/TdPSy8xb5rl9TOlGaZM/7VfqVTSa6uvrTgLsc8u61Xf7yemy8/aL324jX6Pz9BDjr0g87XWqq5l2x5Bw0IfeW9b763FF3p/iu+TZgYxLfsD75ujrbyWXHSeoXwux+dBfC60ekR9XtziLPJsb52lrbbF5158/jVz6ma9fUYrMP0n0WjrM3al/+1v/0xxwfHDv3uyrbbHyNTEPNl43tZO1UQx2n/plf9Xfdb+//Fld8YFV7cVGM1ZHU1dY5WP1qa1xBdfq1J+/eCj6bSzvpV54H/PfQ/WfoeinetNpkyppDfN8tqp84df8fKXtqrC1O0nn/HNahsfmbpc9idxUHr2hddmTnl6+ctemo47ZOt0+dn7pxWXWTC9bubXpEqlkl70ohnS22d7U9q+Orp3x9XHpeU+Pn/ZuQbWvnh9N5uaFlMesw5K2qlUTOnMSvenv/wt/fWv/8hKksttEZjFdM6syj00gGmFWeUNa1vcye/UM6/MLC4+C/f5wrrpm+cdmBZZYO6GAUdmBtWNlUolxUHmpWfuW/sciM+D6uqm/190+U0pBjWaJmhjQ7ze4xbucQOWYT/6cXa/jSY2TBLX8vzjn81vYR7fw+HScOecr4xptc88k/0Z88jjT+e8Fao3KAEByKBk28z3la98WYrTprO9bZame8RB3w5brFY7RX7XDSdNnSMbz+O0eRwMxpdO0wye33DWRdemaT/Int/Q5E982bW6s8rMM706nX3Sbun6Sw9Ph+2zaW1ay1UXHJS+c9HB6R1zvKVJzs+tPv/S76af/vyh5xYa/PuB986RDth9g5TVttlnfWM69agd0i+/d2a64+rjp9rce+tX0rWXHJY+ttiHGuQ87ao4I3Pu1zs7C/KXZ/6W4otj2pyKsRQHZ7fccU/Tyob3UQdunlZeduFa0NEsYYxGHb7vpmnRBedulsT6EQrE+zer+PgsePiR9gY+svIZ9rZ/Vg/W4sxsVrlxABuBSlaaom2LA9FzLr4uZQVf8V1x4mHbpQ0/t1xXgUe9SaVSqX0OXHDaHplTe+JAMwY1YnCjPo92l+/71cNp8ZV2SHEL9WE/rrruznar2fd0Tzz1x/THPz6Tme+Pe5hCnZnxgDf+uTrI8diT2TMdfvaL36SyvVcHzFqa7AUgOejKueZ4a/rqsTunRkHIvB98Z23Ky3abfrp2iry+unHaPKbDnP7lnVOrUapfV886tPtBFl9237z69swvu5hr+rXjvpAWX+gD0x2ovueds6WzTtg1zVEdLa+v88RyjDpdfMVNTc+CVCqVtOrKi9cCmzgonthv4u+m662Yrr74kNpFxfHFO7E+/lYqlfTOOd+aTjt6x7TJuivEqszH9Tf/KD3xVPt3dIkRq3/9a/opMhOFLDjfe1MEQfVzrdtdvu3bx9amS0zk18+/P73voZQ1Or7Bmsum5ZZq78zGq1/1irTPF9ZLEYhm1TGmfkycuWv0N7Zn7V/KbQNsVEwP/MGPf5lZQrzHb//+zzLTxIH+6p/fv3Yr7fgdiEaP4067LDOPfm+MOy+1Cpx+/dCj6Zln/t7vokea3+8e/X265rs/yKzDfruunwZxVnKe978jHbrPJpmDQTGoEYMbmRW0cTqBeJ+2Ctzu+smvUhzMT7fzpBUHHHlO5vt0/a0O68t1nJOKbPk0rhF66vfZ36sxCPnEk3/MzOvcr1+f2baV1tojPepMSqZhHjcKQHLSKxGEnHXibtMcsK+92sfTead+Mb3tLW9oWculFv9Q2rYapLRK2O4dseJgvNWUrS02/GSKL6ZmZb71za9PcfFcpVJplqT2hRpfrM0SVCrPBSHHHrT11C+/CDbiuoTdt1+r5XzXSBtniCIgaFZGrI8Pr/sfHI9pWFlBaASxn15psekCyjBq9ohAb6VlF2q2uRYYf6UaYGfd4ebK87+U3vKm1zXNw4bOBB574un0i/t/23KnW++8N/PasJh/Hnc5irvfNXsM+0zgQw8/kRlAR6MffezpgdzdLfIe1SOCqsczDtRiytQnl1t4YNWLs8mLVQebmhUQgxoxuNFse97W56E+MfJ/510/b1mVODsU/Z+V8E9/+mtq9h6N9aO4aUo7xxsRoPzk3uyb5MQshWhDs0ec8cyysS2fAgKQHPXL22d9Y+0uJHH2IEbtYzSrkwt9V//kEi2nPd33y4dTjI62avb3f/TzzNsrxvSqKK9VPjE9JytIiS/UW26/OzObSqWS4gA3pha8bubXpFOP2jGtuMyCbR8kv/IVL0tbfn7lzPQxGnzPzx7MrMfkjTEaFb+3Mnnd5OdvqwZfUe7kdXl4Hl948YOBzeoSwURcFNhse6P1lUolLbHwBxttqq2LM10xzaC24J+hCMSFwXFA2KqwuBvdXXf/qlWy3GyP9+nNLT4vorIxonxjm3eJivSdPOL1HAc8jR5xxiiCtk7yazftvT9vPl018vj0CoumOCMZzwfxiO+iz6y4WGbWWYMbmTuO6cYIpn/4k+wzlUETU9wuv+rWprMFIk3eHjHFM86KtVOvi79xc8r6Pm0nD2kKJVCrrACkxpCff+KswZXnHZh2q47ux+h9JzWLg/MPt7hryW8febJlABJf8jfdlh0ULLrA3LULk1vVL74Ql1yk+cFp7H/LHT9NccAQz7MeMbUgpibF2Z6sdI22vXuu2VqOsN//QPtnQOLDMpwalRXrOu272GcYj7jQM2vEOl5/cV1Sp3V54yyvrZ3p6HS/cU4fN0poNB0t1r3h9TNmBsxZbnG3u8uqBytZaSa2xWv4ostvSvG6mFiX579xZvb6m3/UVhW/c8P3O7rmra1Mq4nieoFm1yisvPaeKYKQarK+///AQ481zTPuutTOzT+aZtDmhhh4evnLXto0dUylaeezvGkGY7bh29d9r+07TMYt+n/T5s1q8sB4+w9+ln794KNtVSWmgt7dwQBgW5lKlHsBAUgOuygOXmeY0nnXVCqV9I63Z1/43U5z//jnv6YYGc1KGyPelUrzqVWT9110wfdn/h7B3T97oHqg8JfJuzR9/tKXvLjptqwNr37Vy9uaypaVRyfb4k5RmelzujEOiuNgJqfVK1W1ttnk01NvmlA/Pe34Q7ZJ0RfdNPi6m36UfnzP/W3v+u3r70yDOlvQdiXaTHj9zXdlnpmdnE0c/Fzd4pqJyenWYYteAAAQAElEQVSL/Dxudfqyl71k4E14/cwzphlf84qm5cQF8lnXxjXdsY0NU+rudBiBev1jzre/Oa260uJprTZ+aLSTNHFL6zaq2FGS+O2v8y65oe194ozbaWd/KxUhwItjiNPPvqrttsUZnuNOvazl4GjbGUpYCIHOj3IL0azxreQ73/HWnhv/20eeSvFoltEbXj9Tetc73tZs83Tr405Vs7xhpunWT6yIUbPfVs/MTCwP4m9Mh4ppUf3K+8mMudhRxoxD+DGoKKffjzg7UoQvuH63uyz5xej7SV/7RkfNidtcf+moc9s+sO8o8z4mjradecE1HeUYv6fyu0efmm4fK7oTiAPF/z77v+527nGv+T/8nnT9ZUc0DdojiL+huv3IAzav3Y3x4L027tvf+D2LHqs/ze5x5vGs6ms5goppNrRYOL8asFx74w9bpBr95quu/V76yb0PdFSRmK7VzW9ydVSIxLkSEIDkqjt6r0w/7usfF3rFFKNmtYlrVV7X5i/lRh5x8D/rW5vfZjgOeH/1699F0oE9oow4uO5XAX9ucYedWWZ5bb+K6ms+8Qu9M8/06qZ5xgXH8ds0TRM02fDIo7/PvMNKXs6qxPz9uBtMo7s51a8r2p1V4jV+1MlfT3HnmSbd1HT1gw8/nhr9onXM+//U8otkjijH7bKbZtynDXHAduHlN3bctvh9pS+fcmkqyhSzLK44M95se3xex3Vpzbb3a32MbGfdXSx+i6nbM3f9qmMR8rn+5h+lMy64uuOqxmDBrvudlhrNUFhgvvdkvk8/8bGPdD2ts5OKxrVKhx57QdYuTbcddtwFKaZO1ieIM1BZZ6ziMyrOAtbvZznfAgKQfPdPx7V77Inse25HMJD1RRYFtrrbRtyt6BWveGkkbesRZbY6+/DLDq6/aKvQukQxLeAPf3qmbu20i6/u01mLONie8dWvnDbznCxF3WKaQrPqtHO3lfp94+Dwupvvql89dTmuKXnjG/ITkMXdYCLIbvXodHRyaoNH9CRGRmOEtFnx0Q/xaLY9Llzf+5Azp/l9m7jVdtzJLms0eYVlFmyWZd/WxwHXcadd3lV+X//Gzen0c75dqAt4GzU0bhDRaH2si/dgzKOP54N8xNS+CHaalRF3bKxU2pua2yyPsq+PQZ444xjBRKO2ViqVlPV5GXeE2mb349P9dXdt/OwqS2ae8dlmk1Va3jWyUX06WRfXnx305fNS1LHZfvEaabYtTCLAqr97VpyByvoM2mPHtdMbXjdjs2ytz6mAAGQUHTOgMmME9O4Wpz3jzR8BQVYVHsi42DH2e211BL1S6exLJuugN/KMOzPFHZri+SAeMX3jgd80v4gzynzXnO1PX8u6q1OMxMR87LgLSIzabr3rcWmJlXeYeh/zTXY4Kh190iW1UaxBtjna1OiRdaOCmGIR85I7GTGO+7h/65rvNSqqti7OqCz/2d3T2z+8dtNHXNQbt0Ku7eCfjgVuuOXHacc9T07xBd5s503WWSF9cfvPNdtcW3/Zt/4vbb7T0S1vc1tLPKR/4oBthz1PSnH2qlmRrc7CxMjqWRdeW+gg5D3vmi1zBPtb19xRuw1rM6Ne18fZj0uvvCUzm6zPlswdx2RjDBBusfMxmbeInuf970gnHr5t5m8rxZm9NT5/QMrTHewi+IjgIQYymnVnnCE77pCtM6dwR/CywdaHpW9d+71Cv1+bGVj/goAA5AWLwj/7/dN/SXFBd1ZD3vfu2VPWhdwxTenxp7LPomSNzjQre8qU7JdalNvJQW+zcpqtj2kpcb/xZtvjzMA7O7iuJWsaQowQxgfoR5beMsUH8pXVA4P4wpgYcY+R6mNOvTR9at2903sX3jDttNfJqVXQ16ze3ax/91yzpvgiaLZvHGRce1N784zjS+eQY87PPDhsVs6o1pep3Bj5ji/qTXc8KrMPYtrkZ6sjpPE7EQvM++5Mgptvvyctv+YX02133jvyA4AIPjbc5vDMA7a4M9Nxh26Tsn7rJwKzfQ49Mx1/+hU9T8cKvxMP3656kDj946A9N0px1igTuMuN8dk91xzNbzISFzUfe9plPbevUfXidXbhZTemrHn98ZkSny2N9u/Huu/98L4096IbNR3EyBrg6Me2z258YE8XSUf/rL/VoZnf0ZVKJW2+/kpp3g++M2287gqZbHFGf7UN90txzVd852QmHvDGuOX3Vrscm6667s7MktZfc9kUQeq2m3w6M5iOY4HIb6+Dz0h//ds/MvO0sbgC2UeFxW3XWNb8p/c9mHkhaaVSSQvP/75Mm/ii+c9/ns1M8+IXzZC5vdHGN79x5karp66Li9Db+X2SqTt08CTa1Ghe6eQs5pj9TSkOZCav6/Z5lBdnXNrZPw6MLqmOKi716Z3TF/Y9dSgftm97y+tTzAduVr+oU3z4f+2876T/Ptv8tRAX96692cEpa8SrWRnW9y4QX9JxQB19Fc+zctxkvRVT3DEobosdZ0GybqUa+USw/LnNDkqb7/zlFKO2sW7Yj5histamX2p53cfnP7dcigBr640/NfXHSpvV9cgTL04xAt1Lm2Z9yyxphaUXaPiIqSJx3Uyz8ntZH9duxe8fZeVx/qXfTaee9a3M923W/o22xefZJd+8JcVZpEbbJ9bFZ8rbqp8tE8tN/o7l6gjmP7PePi1fy3GL+SUXm6d2cL7uGkunCHazwOKz+tBjL0zLrr7byAYM7n/wkbRqNRCKgYususaNa9b41EdrSeKW+quuvHjtedY/51x8XVpo2W3SN75zW19f01ll2jY8AQHI8KwHWlKMgJx/afYt/WIa1HvmmjWzHhEERDCQlejt1YP1rO2Ntr3qVS9vtHoo6371wCPphpt/lFlWBGavnfFVmWkmNsa0qRh9mlju19+Lr7gpfWb9fVOMlPUrz0b5VCqVtM7qS2ee4o8vtv0OPzsttcrO6eyLrk0PPfx4imsi4nHTbT9JW37hmLTYittnjuY1Ktu6/gjEa3rVDfZNcUDdKsfFF/pAWmWFRacmiyke2232manLWU+uvuEHaeHltkk77nVSijLjYDQrfT+2RdB70eU3peXW2D3FmcOsPBef1LbFFnx/2qA6wpqVPrbF2b3FV9q+NnIcZ15jXVEecRYrgq2s+h523IVpl336M5gRo8/7HnZW2nmfUzKn90VwFJ8plUpnU3Oz2lGGbeEXZ94imG/1nRFnznbcYrWp12m8+lWvSHvssHZbZ9RiCnOUseJae6S4Hq/VgEQ/bOOY4+QzrkzxPv11i9/7mDKlknbZ5rNTfzssrkPdYfNV0xyzvallVcJw291PSItXv2/ieq6ivWdbNnCoCfJVmAAkX/3RdW3u/tmDqdUIxMqfWCi9fswu1IoDpm9efXvK+vCPazbiAK1Sae/LMz7cB/UhGFPFNtz6sMwzWV2/SCbt+M4535o2rZ7qn7Sq4dP4YovT4Et+aqcU12nEY/2tDmt5qr1hZkNaGSOHzabI9HN9fIHGXcWG1KzadKgIAjbb6ei0zKq7ZE6HmahTfMEfsvfGafJ1X5VKJW28zvJp7dU/PpGs5d9Lr/y/9Mm190pxMXjLxF0miPdqXOQcI8VxR654n2VlFQdsu2235tS2VSqVtMMWq6ZFF5w7a7fatsg7Ro7n/djm6cCjzk1xxqe2Ief/xFmsXattjgO6rKpeUj2r+pGPb5niwv24diMrbaNtMbUyzoDG6POZF1zTKMk067b4/Ccz5/VPk3gMFsI87KMP2vGL/jx0n03S3O95+zQ6MVhw2D6bpjhgn2ZDk4Wf/eI3aePtjqydBYv3U5NkPa2O774LL78xLbL8dimm38Z7qVWGu2yzZvr4Eh+eJln86O0xB2+VORA2eYe4RjAC4b0POWMg0wwnl+X5cAQEIMNxHmgpMRJxyhnfTHEBcbOC4st6+aUXbLZ55Ov//MzfBvILwnHAdu7F109tX6MncfYj5lc32jaKdXFL1IOOPm+gH7KVSiWtWz3Fv3h1BHkUbRxkmR/6wFwNp8c0mzbT7fqFPvLeFNcODbItE3k/8NBjKaZZROARZyUm1mf9jff8l7+0ZYov+vp0cUCz3y7rdxSEbLzu8ikOiOrz6nU5DmBi1DZGb1dZb5+UdZ3BRFnNDthi1DgO2OZoY2Q18orPztPPviqtXw362502GfuN8rHcUvNXR5PXbFmFaFucIfvwkpulmOJ5+PEX1UbH47qaOJMZZ7vjbG48jylpt9x+T+3mGBFofmDxTVKcAY3R51YFrfWZj6UN11q2VbKx2P6Pf/6/2u2swzzsow/aaXgcoEe/Nkob05Xih0njPdtoe/26eeaeM6216lK1aVz123pZjpvcRFD1/sU2SnFtY9xNsJ384vURAx6VSmW65B9835zpjBN2aTsImeX1M6WtN16l7YBsugKtyJXAlFzVRmW6Evj2dd9PcV/xrJ1jhP9dffiRwqwyetn27H//l+IDrpc86veNA5tjTrk08+xHpVJJG6293NTT3vV5NFqO+9yvu/rS6VWvbDytLL4olllyvrTbdmvVLlSNka01Vvlo5q0V68uJC4u/efUd9av7uhyj4nFHkgjA+ppxNbPPr718re3tnnGIWyzGAXN119L83+re9bG93cbO9rZZ0gerBxbtpp84QM8KGOJ1GkHITluu3jLbmL8d05sqlUrLtBkJptsU79G9Dv5abdQ2Rm+nS9BkRdYBWwRcXzt+l7amd0T2YbXXzutMnR4S6/L8qFQ6P4P1QDWAPeErV9ScF11hu9rZzLkX3Si9e8ENas9jmt26Wx6S4uYYd//sgbabH8H7F3f4nAPC58Ve/rKXpCUW+mBHB/9ZB+jPZ5siCDnrhF1bHqjHa3nnrddI7U4nnsi/nb8x2LL4Qu9PL33JS9pJXksTZyNbvT4iCLnoq3u1dQ1mTB19+6xvrOXtn+ILTCl+E8a7BXG9wMFfPi8TYeaZXl2b81+p9PfgIbPQHGyMA/g4kM+qylKLfyhl3T2n0b6VSiWttOxC6btXHJGWXeojU5PMXv1gPO3oHdMvvndGir+bb7BSbSQ+5m3HqOwdVx+XzjvliynSTd0p48mZF16TYipERpKeN80046vSSYdvV/uC6zmzagZxUHvkAZunvXZau9b2OEBp5xGn55sFdNVsC/l/XJAcgVWzR2xvt2HhGiN/MQLYap+Xv+yl6fQv75yW//gCrZLWDhzj4u2zT9qt6cFNHNRMnr/dMtMOEky0q90zFpF11GWT9VbIPMiLg5TzTt0jxcFN7JP1iMBqsQXfn5Ukd9vCrd3gcVCV32id5dNRB26R4qxTP8qY9S1vSMcevFVHAxftDnD0I127Uy6X+/j8tc++dkw2WXeFdMDuG9beh63SL7LA3OlbFxyUOcUwznw0H1BqVULr7TGgsXH1TGjrlKlmcPIR27f1+phrjremK87eP6260uJNs168erY+BlKbJrChcAICkMJ12QsVjtO7Bxxxdu3i4BfWdXfiJwAAEABJREFUTv8sbuf3zjnfOv2GHK157Uyv6ugMQauqx7UUYZOVLg7Utqmezu32rjVveN1MKT5gI6g4YPcN0tUXH5KWqZ75mGFK47dVpVJJ8SUSH7TtfEnEfPt2pqNktbGdbRGEnHDYtumI/Tbr6ExQfd5x6v/arx9a+xKpVPIV7MZIe/wuS0w3afWIC+6v+e4Pate5xG0lB/W4/8FH6gkzl+OgevcWv+MRd3L75nkHpAisMzObtLFSqaT4cr/5yqPTBmstO92dpD5TPSjoJFialHVbT+OMxS7bfna6cut3joPuCG632HDlNMOUxu+xyfvEnfdiZHXT9VacvHqa5+G1SXV7pZKv1+s0lWyyEB7x43IXnr5n24MaTbLqaHUMFMSUoD13XLunz4v6QuNzKD4/2xmwGEWadqdcRr98YZvPpqzBgkgTr+VWZwfqjeI1fdaJu9UCtZlf+5ppNsdZ0i02WHmg00IrlUqKs9vxWT9N4XULcVb12IO3biv4mNg1XldH7L9ZbZAu3pcT6+NvfFfvtOVqU6/3inUexRdo/Sle/DZObUGZnsQFZmecf01qNfUqPihiVKRSKd4XbLf9FWcN9jv8rMypV5F3jOTEiE487/ZRqTwXVKy7xjJtfxnHF+3h+26a4gsjq9zo49u//7OsJH3bNsOUKWm1Ty6RfnD9ibWpY/VfblkFxWssgrBLz9ovzTH7m7OSjmzbfb96OC2+0g616SZxIX3WIy6433THo2t3+oq7fQ3qce2Nd3XssfzS8093MWdkMmVKJcUZt2+d/6UUo4mxrtNHHADsu8t66Yc3nFzLKwLzOIiKMy9xwNRpfp2kX6YauMfnVLN94oDkyvMO7Di4jTbEQd61lxyW4nU6Of8w2327tVIc1E1eX7TncQY3Bj/23XX9FH04qPrHayCCuTiTG2eAK5Xx+U7p1DQGC2K6UKP94ta6N15xZMev5Ym8ZpgyJX1yuUXSndccn2IK7cQZ9R02Xy29rXoWaSLdoP7G9K6Y5jWl+plTX0a8T68454AUgXG8Xuq3t1quVJ77Pr2mOpAV3ykT79l+fFe3Ktv24QsIQIZv3pcS43ctDjvugsy84u5Oe+y0TkfzQV/58pc1vGh1ckF//WvnPwzUzT6Ty2z3eYx0xwXcrX6bIj7YYiSnUhnNl2h8UWy09vItmxXz4uNC0ZYJ+5QgDmDiQPb7152QbvrmUemgPT6f1ljloymuV4g78MQj5vXGSPnpx+yU7rnltBRfOHFmZ4YpmR8nPdXw9TPPmF76khf3lEcZdo4D6h23WG2aW3NG4HjrVcfWAsfY3ms74wAjrl/66f+dnq6sBjRxMNVrnq32j/nlO1YPoOJak8lp4/UYB9YRWL3nnbNN3tTR8zgDfPnZ+6fLq0HyRxedp7ZvBDzxmwu1hYL/E/2+wZqfSD++8ZQU78v4fOtXk+IAN86O3n3zaSmCueiTfuVd5nxiulCcWZxoY9zo5KKv7JUuPH2vvgQKcYC/8rILpwhmfnDdiWnlZReaKGrgf+MMfrx/Jgp6y5tel44/dJsUgUM/XnszTJny3GyBajBz1w0npa02+lTmlMuJevhbLIHBHTEUy6FQtY2pOXEXimef/V9mvXfYfNU0/4felZlmuo3V4/Ep1Tf/dOsnrYg7pkxabOtpq31mfessPZ9ejTMGp5/z7XT+pd/NrFOczt2vOloYB1qZCQe8MQ7k42xIVjHxY39xt5qsNIPYNsOUKWn2t70xfW61j6e4fuXbFx6cbv/2sbXHuSd/McVI+dJLzNvRKfZe6vnyl7+0rXnSvZRRlH3jVp0RIMTjR9UDzjg4HMQofhzgxBmQVi5x84AITJs9YnurPGL762Z+TTqwGvDGwEmcgdvnC+umO689IcWBdRxgR5peHpVKJcUd0s48fpd0761fSXvvvO5Ap6v0Utdu940+i/dlDArE4EAEI59bdak0+6xvbDvLOJj81PKLpJiWGa+vm75xVO3saNx8o+1MMhL+5Zm/p0OPvSDtfsDphX7sd9hZKT6fmzU1bvIRAdt6n10mxRm4CKIXmPc9fT+QrlQqtdvrR983q0usj/fV7LPOkpq9T9/w+hnbrlsMGGy90Sq1a0svOWOfdMu3vpxW+sRCbU2NjLp08ojPglbv/xmmTKkNnDZrW0zznGGKw91O3IeRVo8MQ7mPZcQtFLff48QUH+JZ2cbB7bprLN32B8pEXvGh+bY3v35iseHfdm7NWL/js88+W79qmuX4cmv1ATrNDg0W2jkrFLvFqfFep15FPr0+3jzL61KMzGblE8FHnNXJSmPb+AnEQWWcqRp1EB3ya1eD1IngtNHf2B7p2nnM+8G5akFunIHb8HPLpfhcaGe/TtPE51zZz6jFxeERjBy050YpgogI5iK4aGYV2yLNbdWBhmMO2iqtuMyCHZ09b5Zv/fq4dvGKb99WGyiKwaKiPi647MYUv/dR377Jy3HmeP/dNqh9zlcqlcmbhv48foT4OxcdUnt/NXqfxnU9nbzfYtDjwC9umOab510DCTw6AYrBi4u/unfTtsW2SNNJnn1NK7OGAgKQhiz5XPmnP/81xQ/xxO9EZNUw7igTo9bxBZSVrtm2N71x5mabausff+IPtb+d/PPAQ49lJo+R1l4OCH74k1/W7k3+bIuzQmt95mNp43WW7zgwy6x8lxtf9OIZWs7Z/vd//pv++c//12UJdiMwvUAEtHGThgsvvzF98cCvpOU/u3taaNmt05zzrZPe/uG1Gz7impklVt4hbb3rcenkM65McRY2guPpc+9tzYtmmKE2mjvDFF9NvUnau+gCcUb/iaf+mOJ3fw7+8vlp7c0PSgsvv2163yKfb/gejffuPB/dtJYm0sY+N976k9rva0VeefOI4G3it2c22eGoWr2j/tGORo9od7Q/fito3+rZp7jDZcys+G+Lwc28tVt9XhDwKf+CRa6fxYXVW+16bGp1UXJMd2j242PtNrDVqPzvHvt96uTg4+//+Fd6/KnsoKVVmVl1j4OhDbc5PLVzVihOifd6piWrLp1si4Br5plenblLXDvz52f+lpnGxtYCraYfNDt138v6GV/zytYVG1KK+Py47Fu3pviRubnmXy99YrVdawH7eZfckO775cPp8Sf/mLKC97hz2MO/ezJdec0d6ZBjzk+fWnfvFL8jseAntk5HnHBxeuzxp4fUEsUQKK9ADA784Me/TFvvdlx65wLrp3h/bbbT0emUM69McV1jvM/+/o9/NQX481/+VnsvRtrYZ4OtD0vzfXyLWl6RZwzUjeqAPcr9+f2/TXt86avpg0tskj685GZp4rdnrr3xh7V6R/2bNS7aHe3/8T33pzPOvzpttcuxKX6/5p3Vz7P1tjyk9iOb4ddsf+vzJzAlf1VSo3qBOHiIaz7iQ6V+2+TlKVMqKX70rtfpRTFfMkYiJ+c9+flvfvt4y4P9yen//vd/pt8+8tTkVdM9n2vO7m4THBdpb/6FY1rWZ47Z3lS7lqHbs0LTVbgPK+Li8j/86ZnMnF7b59sTZxY2aWOMjjebo71fdfQpa+7zpGxy87TV9INGUxJ6XRe32Rw1QIwQ7rLfqSlGFnfY88R0dwc/MtdO3WOE9vjTL08xMvnp9fZJv3qgs1sLt1NGvNbiNdfs9RjXE7QafGinHGkIjEogpqWdccE1aYFqQL/ahvulK6++I/XzYDryijxX3WC/NP/SW6VvfOe2FAHBMNob5VxZHbhYapWd03Kr75bO/fr1Lb+vO6lXDJzcfPs9tR/ZfP9iG9eCtfDsJA9pRyMgABmNe9ulRtS/9yFn1n6ToNVOu2yzZlpuqflbJWu5PS4If+Msr22a7vdP/yXz4rv6HR+pjo4++dSf6ldPXX7D62dKc3Zx+9b7H3wkbb7zl2sjJ1Mza/CkH2eFGmTb86qYWvX0H/7Scz6DyODOH/686RztduY+D6JO8mxfIL70v1YdJVx8pe3TRZfflHl2o/1cs1P+qDoyucyqu6SYHhGfW9mp298aUzXiNdfsWoG4nsABR/ueUg5ZoEVx8VtPy1YPzPc99Mz0hz8O/vsgyth29xPSZ6oDBg/+JntqdIuqt9wcgwerb7h/bermb377RMv0vSaIz4GYehae3/vhfb1mZ/8BCwhABgzcS/bxJR6nKy/71v+1zGatPl7bEKPu9bfDnFyB//z3v9XTwT+dvCrz+b33PZjig6FZogg+Or1ALIKPz297RIppIc3yjfX9OisUefX78fAjT7YcMY5gMC6Y7XfZ8iuvQLzX9j74jLRf9UxVjHwOu6UxPWLNjQ9McfZl2GUrL/8CcUejuMtWfGe18/jAe+fIbFRsbyefSDP5triNMo3bo0e6dh5rfnrJni7Sj+sy4jqGVTfYNw3j4Ly+vRH4rLDmHumGW35cv6kvy3fd/asUUz7jb18y7CCT8Fxr0y+lM6tnlcK5g10lHaLAMAKQITanPEXFtKud9z45tRN8fHrFxdJecUvJF83QF4C4NmGZj86bmdeNt92doo6Ziaob42DoO9/9QfVZ8/8X/sh7O7oFb0y7WnfLQ9sKPuJi/H6cFZpc+wjATj3rW+mhHkd0rr/prvSPfzafzxtlxl1UBCAh0dsjzjSt/vn9U0wVGtZjp71O7q3SXewdAUcEHjHNoYvd+7ZLTPXaeZ+T2/qM6FuhMiqEQJyR3nXbNdPBe23c1mOFZRbMbFdsbzev9df6RGZeC877nrbqFOXts8t6Pf2eR9y1cZvdjuvrVKvMxjXYGN8/2+9xQu2mEg02d70qrsuM609aTTHuuoA2doypWfGDxOHcRnJJRiAwZQRlKrKFQBzYb73b8W1Nu1p0wbnT/rut3/fbVc73oXdP82Nn9VWOD5h2RjYiWMi6cD4uDl5ikQ/WZ990OQ5s1tn84BQXozVN9PyGmJK26sqL9/2OV3HBXFyIGyMsMYr0fHEd/bn35w+lr573nZb7LLbg+1umyU5QjK1xUBK3Cz3x8O1So0f8ps1LX/rirhsTU5LiFtbxuhnWI+uCyq4b0mLHuOtNXL/TIllt85xvf3PaaJ3l0ylH7pBuveqY2m9u/OJ7Z6SHfnTu1Mf93z8rxY+c3f6d49LZJ+6Wttv0M+mD75uztn+rf+KatQjUizYC+f73zNHwNTjxuozbm7dqu+0EsgTi7GDcvCEOkrPSxbb4bIwzRnF959UXH1p7n8aPQk5+nz541zkpfrMlbqN8xdn7pwN23yAts+R8bf12Ulw/tfchZ6SY6hjl9fqIG9RE2yLfVnnFDWGinlHfqHfUP9oR7ZncvmhvbIv2h0N4hEur/MN3n0PO7HmwsFU5tncnIADpzm1ge8Wtdjfd8eh0060/aVlGBB8nH7F9GsSF1e+Y483po4s894vBjSoSBxVHnfj1zA+tGI39yjnfTv/+938aZVFbF7+o+r53z1573uqfuINHBB/tjKrEj7Rttv6KfQ8+4qxHfKDFB1scyH56vQFeHJMAABAASURBVL3TSV/7RuYUs/p2xYHwDnuelFp9QMfNAN7fYvpBfd5FXY5pGUsuOk9aYekFGj4Wqp4ly7oxQlHb3c96x9nGsy66tuX1Hmuv/vHa/fJvuOyItNdO66Rll/pI7Ue8Gt0KOw4QXv+6GVPc83/xhT+Qdthi1fSNcw9IP7vtq2nXbT/b8gDn4ituSr979Pf9bObA83rTLK9t+BqceG3Gjxm2XQkJCTQQuOa7P0i/fvDRBlteWDXP3HOmS87YpxZYxO+yfHaVJdO753pbivdp/cF3pVKpTQeLbXETmnXXWCaddvSOKQYUzj5ptzT7rG98IeMGz2Ig7f/uuKfBls5X/eDHv0j/973sKdpRn1OP2iH9/Pav1eoZ9Y16R/3jt40qlco0BUd7Y1u0/7NVh/D4yU2npu9cdHAKp2kS1y3EHfwub2Mae91uFocgIAAZAnK7RcSoyHpbHtryVruRXxy4H/OlrdK//vXvFPvdcvs9tTMmV113Z1t/YxQ/gp3Iq9EjDvbWWOWjKa6haLQ91sWH1v6Hn53iWpVYnvyI4CPujhNzXCevn/y8Uqmkz31mqRQHn5PXN3oe81TX2fyQlgftse8u23w2rb3aUumpp/+cHnr48RQf9u26RLo7fnBfimlWkdfkR4zs7HXQ11J8oE2sj0Dk0GMvTHGHj29efXuKdk9sq/8bo/C3VD/kV/v8/il+h6F+e/3y6p9cIsXBUP16y50LxN2a/vinv3a+Y4H2ePA3j6cI0ptVOd7L8WNjB+6+Ye3XkJula2d9/GDZFht+Ml3ytX0yz5TG7X2z6tROWeOYJgYnDu3zr4V/6ahza5+JzTzj8zLSNLvbWLfr4yx4szLHcX18X15zY/a05DjIvvAre/X8I38zTJmS4rqXK887MMWAZZb3VdfemRp972Xt02hb5BMDlI22xbo4domzHZ/42EdaDmBE+maPSqWS3vPO2apB2r5prc98rGGyiZVx/DCKM9IT5fvbWEAA0thl6GtjZP1zm36p7dtkxrSmjyy9ZYpH3At73S0PSVt+4Zi2H9vufkL67aNPZbZz/g+/O31ssQ9lpolrVOKHzL5z/fdTHKDHrWXv/NEvavf3/vIpl2buu8C870kxqpqVKD7Irrz6jrTx9kekmK+alXZi22HHXZg+sPgmKX48bclP7ZTijFInNkeffEktsJvIL/5GPc6+6LoUAUQs1z8effzptM1ux6d3Lbh+WqvajyefceXUQPCb1cAk5uXH7Q/X3eKQFGdO6vevX357dcQqvoTq11sm0Ezgkcd/n/72t38225yW/dj8abml5+/rWcEYtYzRy6aFVjcM4ta81WxL/X+czYq7ezW781c36yO/f2ecjY5tkaabvLP2efSJp0vdV5027q9/+0eKwYJm+8VdIbfa6FNtDcw1y6N+fcyS2H6zVVMMLNZvm1iOM/NZnx8T6bL+xjFAHMs0SxPl77jFammmGV/VLEnH6+MsbQyGhFuznR978g9JANJMZ3TrBSCjs59acowQxUFrq184n7pD2096SxhnJrbZeJX08pe9NDOjuONE3A43fpjs3QtukNaojvBHgJS105QplbT1xp/KvPg8DvrPuvDatO0Xj285rSSrrH5su+37P0tHnnhxy6zijEi0Pa4RmQh6IjCJW6LG7Q9bZlBNEDa7brdmz6PU1az8T2CqwAfnnjPzAGRqwg6ffPiDc2Xu8fgTf8jcbiMBAi8IdHNXyBf2bv4spj3N8oaZmib4/R/+nGIAsWmCPmyI8qMefchqmixeN/NrMm/l7wd9p+HKzYIAJAddEddJtDMqPoqqxgjndpt9pu9FxwhPqwusY0pA/JprHNT3vQIdZjjfPO9Ma3zqox3u1V3yTddbsXYBYXd726sbgQXne2+699avTL34evIFkF0/n3Qxd6M8tthw5W6q2vU+j1VHoiOo7zqDJjs++eQfm2x5bnWMUD73zL8ECLQSiEDgH//Ivjtiqzwabf/LM39rOF16Im28T6dUpr32YmJbv/7G2Z9BTIWNwClrgG/KDJWBDL70y2Vc8xGAjGvPt9nuSqWSNl5n+ZZzLNvMrpYs5qLGQXalMtgPu1phffonzgbtv/sGKW69GB/Ufcp2umzWXv3jaeet1vBhOZ2MFa0EZnz1KzNfNzFN8je/e7JVNh1tjzvnXHj5jZn7vHPOt2Zut5HAIATymmfc5v71M8/YtHpxcfotd2RfxN105yYbYuAhptdlXfc561vfkF7xipc1yaG91XGnwplnenXTxHFt05XX3J6iPk0TdbHhplvvzvxNrde99jXpDa9rbt5FkXbpg4AApA+IZc8iDrjjd0bi90Z6betHF50nDerOXb3WrdX+M0yZkjZca9n07QsPbnnnjVZ5Ndq+05arp/12Wb+nC/Ma5dvpurgQMS6U7HQ/6UcrMMdsb0qzz/bGppWImyfEVM/b7ry3LwcAjz3xh7T1rsemuBlFs0Jf/OIXpXmrZw+bbbeewLgJxB2dPvSBd2Q2e6e9T+r47orNMozriY497fJ0XPXRLE2sn/9D7+75dv5xjUfcsTDya/aIeux18BkpzoY0S9Pu+rixy0WX35S+sO8pmbvMM/c70kwz9e+6k8zCbAyBth4CkLaYJIq73hy+76Zp9+3X6voAOc56nHLkYG4bPMweihHdS8/aLx178FZp5urISq9lx5zYC0/fM22zySpd2/Zah8n7x53Vsm51HDcDWPlze6a3f3jtoT7eu/Dn0z33PTi5qn17/qtf/y7tc+iZqds7/XS7X9yc4HctbgbRbiPjdrkrf2KhzOQx1fNzmx2UVlxrjxRnLiKIiC/xzJ0mbYwzHtfdfFdaf+vDUtz8In7rY9Lm6Z4usfAH0vvavM32dDu3uSJuABE3nBj263GQPzQ5w5QptVsjv/lNr6tdC1bkv3H2uM2uHItklUolrbLCoimC82YNjmnHhx57YVpk+e1SXE/4i/t/19H1GTElKX6ra//Dz04f+uhm6eiTvt6sqNr6OGsRP+hYW+jxn6UW/3DLuzeec/F16SMf3zLt8aWv1u7cFxevt1ts3Gky7iIZgUzc2GWX/U5Nsa7Z/lOmVFLc0TOCo2ZprB+NgABkNO6FLPVFL5ohbbb+Sum7lx+ZVmzx67STGxi3Abz2ksPSF3f4XF/v7DG5jGE/n2HKlPTJ5RZJd15zfDr9mJ3Shz9QdyFuGxWaZ+4501eP/UK64fIjUlyD0MYukgxI4A9/eiZ9/Rs3p6y7+Qxi2wWX3Zj5WzqdNjfuSPWud7yt5W5x44td9zutFkS8Y75107xLbZEWXn7btMp6+0wThG2yw1G19RMH+B9ecrO08XZHtvU7RTHSu+0mny7Ne74lah8TxEW1F39179rvtdz+7WML/bfVtX59ZCtMVvF9se7qS7esb1zXEHdUXHb1XVPc4OV9i3y+9n5c6tM7pwiAJwY+4nmsi/fwXPOvV0v7qXX3Tl897ztt/UbVptXv9RhYa1mhNhLEVK5tqu/7VknjzMy5X78+rbrBfiluYBP1jvovsfIO1TOrx039HIoAI+60Gdui/ZHuE6vtWrspTPi0KifuJrnwR97XKpntIxCYMoIyFVkncOQBmw/14te4IPa+27+aPtDlj9zFB8wJh22b7rnltBR/Y3QhflV5YpRutrfNkuKXSo8+cMvajyjFDyF18+EWPzx0W/XLN+o7zMeF1bMRr2xzLmwEZUsvMW+6rHpGJH706Yqz90/xI4grVUeiw2HCJP6+912zpThAjIAl7K4454C01OIfSjNM8Tase0tY7FIgDlyP2H+zFCOanWQRX+RxduTH99w/TRB27Y0/rN02OqZvdZLflOqoY/xicdzEopP9+pVWPgTyLFCpVNIOW6yaYkpyJ/WMqbHxPn3gocfSJVfeMvW9Gs9jXWzLOhvQqKz4DY24zrNS6d81mXHQH9czNiqv2bqod9T/4d89ma685o6pbYspVvf98uHa51C0v9n+jdbH9aYx8Bnf0422WzdaAUc+o/UvdOlxb/E4E3LYPpumGy47Yuoo3c3fPDrFL5V+esVFa7/OWuhGdlD5uLgwDrg232CldPyh26RwmDx6GdeOHLD7BikClrDrIOuhJm11IeFQK6OwjgU++L7nfkF50FOfmlUsgp9zTto9Lf/xBZolsZ7A2AvEd8BJh29XG5QaFUZcd3jA7hv2e+pvLb+4njEG42IwYhTtW+2TS6TTjt4phfMoyldmawEBSGsjKQiMlcAMU6akl7zkRWPV5rI1do7Z35wuPXPf2tm4YY7+rb/mJ9LNVx6dFllg7rKRag+BvgvEtZX777Z+Ou+UL6bZZ21+A4l+FxzTf2Na9DabDO66w/jc2bw6GHf1xYcO5KYtzUzCMTzjmtXwbZbO+tELCEAG0QfyJFBggTjN/XiL33YocPPGpupx8W8cANx982lpv13XH9gBTlzrsfG6K6Q7rz2hVs6rXvnysTHWUAK9ClQqlVrAHtcCxoHzoK6ZmTKlkj622IfS5Wftly4/e//UzbTobtoa5UR537no4BRTk6Me3eTTap+4rmbimsoYAKlUKq12sX3EAgKQEXeA4gnkTSCmYO2w+arpxMO3y9Uj7jo261ve0JKrUYK448zss84ytDsKxfU+cW1UzK/Oeqz56SUHPk0xRgHjzMRN3zgq/eC6E1NcmxXTo7q9g1vkF3Or99hx7XTTN4+qXee1Z/V5XLPVyL7XddHn0fd5ez2uu0bri4h7bbv9x0dghilTaoHIOSfvnuJ6wvi74VrLprdXz4xMqQYPnUrEPu9556xpo3WWT5ecsU+67/avpa8d94X0oQ/MlSqV4R6cVyqV9J53zlabmvzL752ZvnHuAWmrjT6V4nMyzpR02rZIP3vV5XOrLpXOPGGXdO+tX6ldh7mUayqDpjAPAUhhukpFCQxHIG5XuNBH3ptWWHqBXD2WWXK+NNOMr+oK4T1zzZq+c9EhU69TmnxtziCex/U+cW3UwXttnLIe++yyXnpbl0FVNxBxq964NuukI7ZLd91wUnrwrnNqAUScvbjgtD0bBpxx04Rbrzom/fD6k9Kvf3h2+tltX03nnvzFtMm6K6TZ3/bGgd9EIfo8+j5vr8c4kOumD0q+T9+bt8yS8073ujz1qB3SjVccmeJ1u95nl2m7zPe/Z47p8orANqYJRV7xfmw7swEmjOsJ40xI1OfG6sDBAz88p3aQHXWMukadGz1iW6SJACb2ic+8vXZaJ803z7tS5DnAKreddQQccZ3aF7ZeI8Xn5P3fP6sWcEW9o0+jbxu1LW7wEmki2Iib0sSAykF7bpQ+usg8qd2bxrRdSQmHIiAAGQqzQggQIJA/gUqlUjsDE2cvmgWdcdOEt7759SnusDXDFF8Z+evFctdorjneOt1AyCc+9pH09tnelOJ128nB55tmee10eUVg++653lbLK6YT5lUz2hntjbpGnRs9YlukyUuw0a5l1DfqHX1jrfDtAAAQAElEQVQafduobXGDl0gTDu3mO37pitVi3ybF6i+1JUCAAAECBAgQIFBoAQFIobtP5esFLBMgQIAAAQIECORbQACS7/5ROwIECBRFQD0JECBAgEBbAgKQtpgkIkCAAAECBAjkVUC9CBRLQABSrP5SWwIECBAgQIAAAQKFFihVAFLonlB5AgQIECBAgAABAmMgIAAZg07WRAJDEFAEAQIECBAgQKAtAQFIW0wSESBAgACBvAqoFwECBIolIAApVn+pLQECBAgQIECAQF4E1KMrAQFIV2x2IkCAAAECBAgQIECgGwEBSDdq9qkXsEyAAAECBAgQIECgLQEBSFtMEhEgQCCvAupFgAABAgSKJSAAKVZ/qS0BAgQIECCQFwH1IECgKwEBSFdsdiJAgAABAgQIECBAoBuBfgQg3ZRrHwIECBAgQIAAAQIExlBAADKGna7JZRLQFgIECBAgQIBAsQQEIMXqL7UlQIAAgbwIqAcBAgQIdCUgAOmKzU4ECBAgQIAAAQKjElBusQUEIMXuP7UnQIAAAQIECBAgUCgBAUihuqu+spYJECBAgAABAgQIFEtAAFKs/lJbAgTyIqAeBAgQIECAQFcCApCu2OxEgAABAgQIjEpAuQQIFFtAAFLs/lN7AgQIECBAgAABAsMS6Es5ApC+MMqEAAECBAgQIECAAIF2BAQg7ShJQ6BewDIBAgQIECBAgEBXAgKQrtjsRIAAAQKjElAuAQIECBRbQABS7P5TewIECBAgQIDAsASUQ6AvAgKQvjDKhAABAgQIECBAgACBdgQEIO0o1aexTIAAAQIECBAgQIBAVwICkK7Y7ESAwKgElEuAAAECBAgUW0AAUuz+U3sCBAgQIDAsAeUQIECgLwICkL4wyoQAAQIECBAgQIDAoATKla8ApFz9qTUECBAgQIAAAQIEci0gAMl196hcvYBlAgQIECBAgACBYgsIQIrdf2pPgACBYQkohwABAgQI9EVAANIXRpkQIECAAAECBAYlIF8C5RIQgJSrP7WGAAECBAgQIECAQK4FChWA5FpS5QgQIECAAAECBAgQaCkgAGlJJAEBAiklCAQIECBAgACBvggIQPrCKBMCBAgQIDAoAfkSIECgXAICkHL1p9YQIECAAAECBAj0S0A+AxEQgAyEVaYECBAgQIAAAQIECDQSEIA0UrGuXsAyAQIECBAgQIAAgb4ICED6wigTAgQIDEpAvgQIECBAoFwCApBy9afWECBAgAABAv0SkA8BAgMREIAMhFWmBAgQIECAAAECBAg0EmgnAGm0n3UECBAgQIAAAQIECBDoWEAA0jGZHQgMU0BZBAgQIECAAIFyCQhAytWfWkOAAAEC/RKQDwECBAgMREAAMhBWmRIgQIAAAQIECHQrYL9yCwhAyt2/WkeAAAECBAgQIEAgVwICkFx1R31lLBMgQIAAAQIECBAol4AApFz9qTUECPRLQD4ECBAgQIDAQAQEIANhlSkBAgQIECDQrYD9CBAot4AApNz9q3UECBAgQIAAAQIE2hUYSjoByFCYFUKAAAECBAgQIECAQAgIQELBg0C9gGUCBAgQIECAAIGBCAhABsIqUwIECBDoVsB+BAgQIFBuAQFIuftX6wgQIECAAAEC7QpIR2AoAgKQoTArhAABAgQIECBAgACBEBCAhEL9wzIBAgQIECBAgAABAgMREIAMhFWmBAh0K2A/AgQIECBAoNwCApBy96/WESBAgACBdgWkI0CAwFAEBCBDYVYIAQIECBAgQIAAgWYC47VeADJe/a21BAgQIECAAAECBEYqIAAZKb/C6wUsEyBAgAABAgQIlFtAAFLu/tU6AgQItCsgHQECBAgQGIqAAGQozAohQIAAAQIECDQTsJ7AeAkIQMarv7WWAAECBAgQIECAwEgFchWAjFRC4QQIECBAgAABAgQIDFxAADJwYgUQKISAShIgQIAAAQIEhiIgABkKs0IIECBAgEAzAesJECAwXgICkPHqb60lQIAAAQIECBCYEPB3JAICkJGwK5QAAQIECBAgQIDAeAoIQMaz3+tbbZkAAQIECBAgQIDAUAQEIENhVggBAgSaCVhPgAABAgTGS0AAMl79rbUECBAgQIDAhIC/BAiMREAAMhJ2hRIgQIAAAQIECBAYT4EIQMaz5VpNgAABAgQIECBAgMDQBQQgQydXIIHJAp4TIECAAAECBMZLQAAyXv2ttQQIECAwIeAvAQIECIxEQAAyEnaFEiBAgAABAgTGV0DLx1tAADLe/a/1BAgQIECAAAECBIYqIAAZKnd9YZYJECBAgAABAgQIjJeAAGS8+ltrCRCYEPCXAAECBAgQGImAAGQk7AolQIAAAQLjK6DlBAiMt4AAZLz7X+sJECBAgAABAgTGRyAXLRWA5KIbVIIAAQIECBAgQIDAeAgIQMajn7WyXsAyAQIECBAgQIDASAQEICNhVygBAgTGV0DLCRAgQGC8BQQg493/Wk+AAAECBAiMj4CWEsiFgAAkF92gEgQIECBAgAABAgTGQ2A8A5Dx6FutJECAAAECBAgQIJA7AQFI7rpEhQiUW0DrCBAgQIAAgfEWEICMd/9rPQECBAiMj4CWEiBAIBcCApBcdINKECBAgAABAgQIlFdAyyYLCEAma3hOgAABAgQIECBAgMBABQQgA+WVeb2AZQIECBAgQIAAgfEWEICMd/9rPQEC4yOgpQQIECBAIBcCApBcdINKECBAgAABAuUV0DICBCYLCEAma3hOgAABAgQIECBAgMBABYYagAy0JTInQIAAAQIECBAgQCD3AgKQ3HeRChLoi4BMCBAgQIAAAQK5EBCA5KIbVIIAAQIEyiugZQQIECAwWUAAMlnDcwIECBAgQIAAgfIIaEkuBQQguewWlSJAgAABAgQIECBQTgEBSDn7tb5VlgkQIECAAAECBAjkQkAAkotuUAkCBMoroGUECBAgQIDAZAEByGQNzwkQIECAAIHyCGgJAQK5FBCA5LJbVIoAAQIECBAgQIBAcQWyai4AydKxjQABAgQIECBAgACBvgoIQPrKKTMC9QKWCRAgQIAAAQIEJgsIQCZreE6AAAEC5RHQEgIECBDIpYAAJJfdolIECBAgQIAAgeIKqDmBLAEBSJaObQQIECBAgAABAgQI9FVAANJXzvrMLBMgQIAAAQIECBAgMFlAADJZw3MCBMojoCUECBAgQIBALgUEILnsFpUiQIAAAQLFFVBzAgQIZAkIQLJ0bCNAgAABAgQIECBQHIFC1FQAUohuUkkCBAgQIECAAAEC5RAQgJSjH7WiXsAyAQIECBAgQIBALgUEILnsFpUiQIBAcQXUnAABAgQIZAkIQLJ0bCNAgAABAgQIFEdATQkUQkAAUohuUkkCBAgQIECAAAEC5RAoZwBSjr7RCgIECBAgQIAAAQKlExCAlK5LNYjAaAWUToAAAQIECBDIEhCAZOnYRoAAAQIEiiOgpgQIECiEgACkEN2kkgQIECBAgAABAvkVULNOBAQgnWhJS4AAAQIECBAgQIBATwICkJ747FwvYJkAAQIECBAgQIBAloAAJEvHNgIECBRHQE0JECBAgEAhBAQghegmlSRAgAABAgTyK6BmBAh0IiAA6URLWgIECBAgQIAAAQIEehLoawDSU03sTIAAAQIECBAgQIBA6QUEIKXvYg0cEwHNJECAAAECBAgUQkAAUohuUkkCBAgQyK+AmhEgQIBAJwICkE60pCVAgAABAgQIEMiPgJoUUkAAUshuU2kCBAgQIECAAAECxRQQgBSz3+prbZkAAQIECBAgQIBAIQQEIIXoJpUkQCC/AmpGgAABAgQIdCIgAOlES1oCBAgQIEAgPwJqQoBAIQUEIIXsNpUmQIAAAQIECBAgMDqBXkoWgPSiZ18CBAgQIECAAAECBDoSEIB0xCUxgXoBywQIECBAgAABAp0ICEA60ZKWAAECBPIjoCYECBAgUEgBAUghu02lCRAgQIAAAQKjE1AygV4EBCC96NmXAAECBAgQIECAAIGOBAQgHXHVJ7ZMgAABAgQIECBAgEAnAgKQTrSkJUAgPwJqQoAAAQIECBRSQABSyG5TaQIECBAgMDoBJRMgQKAXAQFIL3r2JUCAAAECBAgQIDA8gVKUJAApRTdqBAECBAgQIECAAIFiCAhAitFPalkvYJkAAQIECBAgQKCQAgKQQnabShMgQGB0AkomQIAAAQK9CAhAetGzLwECBAgQIEBgeAJKIlAKAQFIKbpRIwgQIECAAAECBAgUQ6CYAUgxbNWSAAECBAgQIECAAIE6AQFIHYhFAgSyBWwlQIAAAQIECPQiIADpRc++BAgQIEBgeAJKIkCAQCkEBCCl6EaNIECAAAECBAgQGJyAnPspIADpp6a8CBAgQIAAAQIECBDIFBCAZPLYWC9gmQABAgQIECBAgEAvAgKQXvTsS4AAgeEJKIkAAQIECJRCQABSim7UCAIECBAgQGBwAnImQKCfAgKQfmrKiwABAgQIECBAgACBTIGOApDMnGwkQIAAAQIECBAgQIBACwEBSAsgmwnkREA1CBAgQIAAAQKlEBCAlKIbNYIAAQIEBicgZwIECBDop4AApJ+a8iJAgAABAgQIEOifgJxKKSAAKWW3ahQBAgQIECBAgACBfAoIQPLZL/W1skyAAAECBAgQIECgFAICkFJ0o0YQIDA4ATkTIECAAAEC/RQQgPRTU14ECBAgQIBA/wTkRIBAKQUEIKXsVo0iQIAAAQIECBAg0L3AIPcUgAxSV94ECBAgQIAAAQIECEwjIACZhsMCgXoBywQIECBAgAABAv0UEID0U1NeBAgQINA/ATkRIECAQCkFBCCl7FaNIkCAAAECBAh0L2BPAoMUEIAMUlfeBAgQIECAAAECBAhMIyAAmYajfsEyAQIECBAgQIAAAQL9FBCA9FNTXgQI9E9ATgQIECBAgEApBQQgpexWjSJAgAABAt0L2JMAAQKDFBCADFJX3gQIECBAgAABAgTaFxiLlAKQsehmjSRAgAABAgQIECCQDwEBSD76QS3qBSwTIECAAAECBAiUUkAAUspu1SgCBAh0L2BPAgQIECAwSAEByCB15U2AAAECBAgQaF9ASgJjISAAGYtu1kgCBAgQIECAAAEC+RDIZwCSDxu1IECAAAECBAgQIECgzwICkD6Dyo5A0QXUnwABAgQIECAwSAEByCB15U2AAAECBNoXkJIAAQJjISAAGYtu1kgCBAgQIECAAIHmArYMU0AAMkxtZREgQIAAAQIECBAYcwEByJi/AOqbb5kAAQIECBAgQIDAIAUEIIPUlTcBAgTaF5CSAAECBAiMhYAAZCy6WSMJECBAgACB5gK2ECAwTAEByDC1lUWAAAECBAgQIEBgzAWmCUDG3ELzCRAgQIAAAQIECBAYsIAAZMDAsifQpoBkBAgQIECAAIGxEBCAjEU3ayQBAgQINBewhQABAgSGKSAAaDFK4gAADYlJREFUGaa2sggQIECAAAECBF4Q8GwsBQQgY9ntGk2AAAECBAgQIEBgNAICkNG415dqmQABAgQIECBAgMBYCAhAxqKbNZIAgeYCthAgQIAAAQLDFBCADFNbWQQIECBAgMALAp4RIDCWAgKQsex2jSZAgAABAgQIEBhngVG2XQAySn1lEyBAgAABAgQIEBgzAQHImHW45tYLWCZAgAABAgQIEBimgABkmNrKIkCAAIEXBDwjQIAAgbEUEICMZbdrNAECBAgQIDDOAtpOYJQCApBR6iubAAECBAgQIECAwJgJjHkAMma9rbkECBAgQIAAAQIERiwgABlxByiewNgKaDgBAgQIECAwlgICkLHsdo0mQIAAgXEW0HYCBAiMUkAAMkp9ZRMgQIAAAQIECIyTgLZWBQQgVQT/EyBAgAABAgQIECAwHAEByHCclVIvYJkAAQIECBAgQGAsBQQgY9ntGk2AwDgLaDsBAgQIEBilgABklPrKJkCAAAECBMZJQFsJEKgKCECqCP4nQIAAAQIECBAgQGA4AqMJQIbTNqUQIECAAAECBAgQIJAzAQFIzjpEdQgMWkD+BAgQIECAAIFRCghARqmvbAIECBAYJwFtJUCAAIGqgACkiuB/AgQIECBAgACBMgtoW54EBCB56g11IUCAAAECBAgQIFByAQFIyTu4vnmWCRAgQIAAAQIECIxSQAAySn1lEyAwTgLaSoAAAQIECFQFBCBVBP8TIECAAAECZRbQNgIE8iQgAMlTb6gLAQIECBAgQIAAgTIJNGiLAKQBilUECBAgQIAAAQIECAxGQAAyGFe5EqgXsEyAAAECBAgQIFAVEIBUEfxPgAABAmUW0DYCBAgQyJOAACRPvaEuBAgQIECAAIEyCWgLgQYCApAGKFYRIECAAAECBAgQIDAYAQHIYFzrc7VMgAABAgQIECBAgEBVQABSRfA/AQJlFtA2AgQIECBAIE8CApA89Ya6ECBAgACBMgloCwECBBoICEAaoFhFgAABAgQIECBAoMgCea67ACTPvaNuBAgQIECAAAECBEomIAApWYdqTr2AZQIECBAgQIAAgTwJCEDy1BvqQoAAgTIJaAsBAgQIEGggIABpgGIVAQIECBAgQKDIAupOIM8CApA89466ESBAgAABAgQIECiZQMkDkJL1luYQIECAAAECBAgQKLiAAKTgHaj6BHIroGIECBAgQIAAgQYCApAGKFYRIECAAIEiC6g7AQIE8iwgAMlz76gbAQIECBAgQIBAkQTUtQ0BAUgbSJIQIECAAAECBAgQINAfAQFIfxzlUi9gmQABAgQIECBAgEADAQFIAxSrCBAgUGQBdSdAgAABAnkWEIDkuXfUjQABAgQIECiSgLoSINCGgACkDSRJCBAgQIAAAQIECBDoj8BgApD+1E0uBAgQIECAAAECBAiUTEAAUrIO1RwCBAgQIECAAAECeRYQgOS5d9SNAAECBIokoK4ECBAg0IaAAKQNJEkIECBAgAABAgTyLKBuRRIQgBSpt9SVAAECBAgQIECAQMEFBCAF78D66lsmQIAAAQIECBAgkGcBAUiee0fdCBAok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alt="2025 연말정산 오류정정" style="max-width: 100%; height: auto; border-radius: 8px;" /></div> <div style="text-align: center; margin-bottom: 20px;"> <script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808" crossorigin="anonymous"></script> <!-- [디스플레이, 사각형, 반응형] 최상단 고정 광고 --> <ins class="adsbygoogle" style="display:block" data-ad-client="ca-pub-4852002847348808" data-ad-slot="3059633324" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <div style="background-color: #F3F4F6; padding: 20px; border-radius: 12px; border: 1px solid #E5E7EB; margin-bottom: 30px;"><h3 style="margin-top:0; font-weight:bold; border-bottom: 2px solid #374151; padding-bottom:10px; margin-bottom:15px;">목차</h3><ul><li><a href="#section-1">1. 연말정산 오류의 유형 및 발생 원인</a></li><li><a href="#section-2">2. 오류 정정의 필요성 및 중요성</a></li><li><a href="#section-3">3. 2025 연말정산 오류 정정 절차</a></li><li><a href="#section-4">4. 수정신고 및 경정청구 안내</a></li><li><a href="#section-5">5. 오류 방지를 위한 유의사항</a></li></ul></div><p>연말정산은 직장인에게 중요한 세금 환급 기회입니다. 하지만 부주의로 인한 오류는 예상치 못한 불이익을 초래할 수 있습니다. 본 문서에서는 2025년 연말정산 시 발생할 수 있는 오류 유형을 파악하고, 효과적인 정정 절차와 주의사항을 안내하여 불필요한 세금 문제 발생을 미연에 방지하고 정확한 연말정산을 완료할 수 있도록 돕고자 합니다.</p><p>2025년 연말정산은 근로자의 정확한 소득 및 세액을 확정하는 과정입니다. 이 과정에서 발생하는 오류는 추가 납부, 가산세 부과 등 불이익을 초래할 수 있으므로, 오류 발생 시 적절한 절차에 따라 정정하는 것이 중요합니다.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g25697c66f2cad7041dd5380ea3a0384e4322e4457d43c194887a0e2c3ba103392b0b1719f1551ece554f9fe9af5040f2e6134b9b1660c159206c528f0e0bee59_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g73fe34ddcc3259ce3ea23e75ea4cca1fe0947396149c4ab5ae96b69989b488903e16c0380da46fcdf6d9ddf1f7f0be2ab3a6d9319aab7f19f2cc8a774309b638_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g8225c370612154fd0cdc4ff9520e1a4ec1c2f1a970f01873008ba42aca105deb2073f792210b5caadcd5c1dd87fb948509bbb94084682f9cac983aa7a07fdacc_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><h2 id="section-1">1. 연말정산 오류의 유형 및 발생 원인</h2><p>연말정산 과정에서 흔히 발생하는 오류는 다음과 같으며, 대부분 자료 누락 또는 잘못된 정보 입력에서 비롯됨을 밝힙니다.</p><ul><li> <strong>소득·세액공제 자료 누락:</strong> 국세청 간소화 서비스에 조회되지 않거나, 직접 서류를 제출해야 하는 특정 공제 항목(예: 기부금, 월세액 공제)을 빠뜨리는 경우.</li><li>⚠️ <strong>잘못된 자료 입력:</strong> 중복 공제 적용, 공제 한도 초과, 사실과 다른 부양가족 정보 입력 등.</li><li> ‍ ‍ ‍ <strong>부양가족 정보 오류:</strong> 부양가족의 연간 소득 요건(100만원 초과) 미충족 등 공제 요건에 맞지 않는 인원을 등록하는 경우.</li><li> <strong>회사 제출 자료 오류:</strong> 회사의 인사 또는 회계 담당자가 근로자의 제출 자료를 잘못 입력하거나 누락하는 경우.</li></ul> <div style="margin: 30px 0; padding: 20px; background-color: #fcf4f4; border-radius: 12px; border: 1px solid #fecaca; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #b91c1c; font-size: 1.05em;"> 추천 기사: 2025 연말정산 착오·누락 주의보…국세청, 수정신고·경정청구 활용 당부</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g27682b9c6079d99ec18fe2ac585945d61c76b981d338bebfb2012f32575be26e5bf75289642db0b8c5afb25d7bbd01334d6ef5b406f0943afecb4dadee0f8dc5_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g00b647236d7144123e2545e18f0bed5bb98d23cc452b35e5df9409bfe642312c5c21cba78434a1ad0fb34a24ae6af4e3e47fde719d1e4e73064e8588b46d01d6_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gcde17dd017e5d2210ba5979d7403423a2a43f8e189c122bbde555e9973d5c203b46f4d98c602a6bf170c46fba3bdb69fa9e8ecaf66c2af10bfe4500ce05001ed_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div> <a href="https://search.naver.com/search.naver?query=2025+%EC%97%B0%EB%A7%90%EC%A0%95%EC%82%B0+%EC%98%A4%EB%A5%98+%EC%A0%95%EC%A0%95+%EB%89%B4%EC%8A%A4" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #dc2626; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #991b1b;"> <span> 바로가기 Click</span> </a> </div> <h2 id="section-2">2. 오류 정정의 필요성 및 중요성</h2><p>연말정산 오류는 단순한 실수가 아닌, 세법상 중대한 문제로 이어질 수 있으므로 신속하고 정확한 정정이 필수적입니다.</p><ul><li> <strong>가산세 부과 방지:</strong> 과소신고 또는 미납 세액이 발생하면 추가 납부 세액과 함께 가산세가 부과될 수 있습니다. 정해진 기간 내에 수정신고를 통해 가산세 부담을 줄일 수 있습니다.</li><li>✅ <strong>정확한 세금 납부/환급:</strong> 오류를 정정함으로써 정확한 세액을 확정하고, 정당한 세금 환급을 받거나 추가 납부를 완료할 수 있습니다.</li><li> ️ <strong>세무조사 위험 감소:</strong> 세무 당국은 신고 내용과 실제 자료 간의 불일치를 바탕으로 세무조사를 실시할 수 있습니다. 오류를 사전에 정정하면 이러한 위험을 줄일 수 있습니다.</li></ul><h2 id="section-3">3. 2025 연말정산 오류 정정 절차</h2><p>연말정산 오류는 발생 시기에 따라 정정 절차가 상이합니다.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gc1ebb88cde89e29922c31c8971229e8de4a209436028ea83ad2bbf73f6b24e801f4eb7134413eff74e8f3869695126d79a2d81efddf679c0ab17a55a2e0161b6_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g7cef3e2de9cccb4db6fca1b722cbd1379e215dce0d664dec935a46d910c161ddd85e610d640e0ae456de393ff0699f76f0434599e335aa252aee8218276e40ae_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g1669fe0a777dca7241675c07981d71bcc521842685e2e24ef478d9d0fb5957bf2d4aab602a5f636e8c673a984e765d667ab9300153fa65249e7a1f7ace79fe7a_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><h3>3.1. 연말정산 기간 중 정정</h3><p>근로자가 회사에 연말정산 자료를 제출하고 회사가 이를 세무서에 신고하기 전이라면, 회사에 요청하여 자료를 수정할 수 있습니다. 이는 가장 간편하고 빠른 정정 방법입니다.</p><h3>3.2. 근로소득 지급명세서 제출 이후 정정: 수정신고 및 경정청구</h3><p>회사가 이미 근로소득 지급명세서를 세무서에 제출한 이후에는 근로자가 직접 <strong>수정신고</strong> 또는 <strong>경정청구</strong> 절차를 통해 오류를 정정해야 합니다. 이 절차는 국세청 홈택스(hometax.go.kr)를 통해 온라인으로 진행할 수 있습니다.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g46a220666bcd1d93f05f41c094f26d4b464ab49a94fe5b57dd522d38da9378191d731a4e7051a1b782e39b87509c54dc51c18c380940714772e96db84ca26474_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g358c527c66b413c2f2d2b79eb2b8015d505a803ed30761122c919efd200f3a78cd5871a5c8c36a7431e80d30dc0cc8987b52632792833b6fe9537fc5886ea814_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g7f513b4e9e31224823d8650bffe31d4f22f5f1d205a641001b21cb03c61100f1eff40efc2bba9ce1740d5b3abb1d3c30deb9522b92238fdfe537a5f755dd0921_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><blockquote><strong>참고:</strong> 근로소득 지급명세서는 보통 3월 10일까지 제출됩니다. 이 기한 이후에는 근로자가 직접 정정해야 함을 유의해야 합니다.</blockquote> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;"> 공식 사이트: 국세청 홈택스</p> <a href="https://www.hometax.go.kr/" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;"> <span> 바로가기 Click</span> </a> </div> <div style="text-align: center; margin: 30px 0;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 중간 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="6479636020" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <h2 id="section-4">4. 수정신고 및 경정청구 안내</h2><p>지급명세서 제출 이후 정정 방법인 수정신고와 경정청구에 대해 상세히 설명합니다.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g643b11e668f1c1034cea53d936a90660e8f3dfd262c3eb60dffd698c8167e642e5b8ec6ade2c7107dacd70b101e53e712d5ac24cd4b3993e41d1b6e2f364408f_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gf7a7c9ea760f8990b5262d03c513d34538850564fb55af7d01725faa17497f21c8792a78795e8c5f1ab1438cc6e337d90276cc70736db7ccab0ce01b551d776a_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g83964d1818019b3e87b562b145646aa2f876e3cfe44f08d5b315fa0f11a4d5a1d3ec9325a04fc899155e3da866f5073a9dda43795efb29a6609eef6121ca4629_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><h3>4.1. 수정신고 (과소신고 시)</h3><p>당초 연말정산 시 세금을 적게 신고하여 추가 납부할 세액이 발생한 경우에 진행합니다.</p><ul><li> <strong>기한:</strong> 법정 신고기한(다음 연도 3월 10일)이 지난 후 5년 이내에 가능합니다.</li><li> <strong>가산세 감면:</strong> 수정신고 기한이 경과할수록 가산세 감면율이 줄어들므로, 오류 발견 즉시 수정신고를 하는 것이 유리합니다.<ul><li>신고기한 경과 후 1개월 이내: 가산세 90% 감면</li><li>1개월 초과 3개월 이내: 가산세 75% 감면</li><li>3개월 초과 6개월 이내: 가산세 50% 감면</li></ul></li></ul><h3>4.2. 경정청구 (과다신고 시)</h3><p>당초 연말정산 시 세금을 많이 신고하여 환급받을 세액이 발생한 경우에 진행합니다.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g95fcf5551055a83f1971ca06707331070d971649047b4ad81b6323eeb98fe38c9158ba4344c369f23862f2027350e91c26a44962dc123b28d5dfd38f134332b9_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gf628eed19a862253c013b628a94a5cf1da49a608b4a00b27186321e8d933008a6e829c034d277f4c854e141878bbc94c7cb70fc504e7d2c2de3db4fb9df1f998_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g13e1036de93d9207227bbd450deb69587a4dd7001b5a94758b94bc62e03724b620698e75155ba136c71f9eb922e1e065c88c18353103827753e853add8072ce2_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><ul><li> ️ <strong>기한:</strong> 법정 신고기한(다음 연도 3월 10일)이 지난 후 5년 이내에 가능합니다.</li><li> <strong>필요 서류:</strong> 오류를 증명할 수 있는 소득·세액공제 증명 서류를 첨부해야 합니다.</li></ul><h2 id="section-5">5. 오류 방지를 위한 유의사항</h2><p>정확하고 원활한 연말정산을 위해서는 다음 사항들을 숙지하고 적용하는 것이 중요합니다.</p><ul><li> <strong>꼼꼼한 자료 확인:</strong> 제출 전 모든 소득·세액공제 자료를 다시 한번 확인하고, 누락된 것이 없는지 점검해야 합니다.</li><li> <strong>간소화 서비스 활용:</strong> 국세청 연말정산 간소화 서비스 자료는 편리하지만, 모든 공제 항목이 자동으로 반영되는 것은 아니므로, 개별적으로 추가 제출해야 할 자료는 없는지 확인해야 합니다.</li><li> <strong>세법 변경 내용 숙지:</strong> 매년 개정되는 세법 내용을 미리 확인하여 공제 요건이나 한도 변경 사항을 파악해야 합니다.</li><li> <strong>전문가 상담:</strong> 복잡하거나 애매한 부분에 대해서는 세무 전문가나 국세청 상담센터에 문의하여 정확한 정보를 얻는 것이 현명합니다.</li></ul><p>2025년 연말정산 오류는 적절한 절차와 시기에 따라 정정함으로써 불이익을 피하고 정확한 세금 신고를 완료할 수 있습니다. 본 문서에서 제시된 오류 유형, 정정 절차, 유의사항 등을 숙지하여 원활한 연말정산이 이루어지기를 바랍니다.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g354766f4345c7656bf863bfdac1c23907e59b4b8b195929db2d4144226a9adf7236d74ecdd0a3fed64e5b994811377b48b2df06278ba1d3bfd5cb30ec4d9d85e_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g38cbca69e95331b96055436163a3d240769fdf38f496ab11e41319a578f6a494ab8eaade9d201e3b4488ef0026426dc5_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g834546121874721412c923c9cc8b939f56f8f494294b4d484234a253500e9277effc693de84ef153edf1e1694a8c92a9580a2cfd8764d236c4d479d26348c97e_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;"> 공식 사이트: 국세청 홈택스</p> <a href="https://www.hometax.go.kr/" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;"> <span> 바로가기 Click</span> </a> </div> <div style="text-align: center; margin-top: 30px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 하단 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="2540391017" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> 밥챙겨주는사람 https://eatfirstblog.tistory.com/40 https://eatfirstblog.tistory.com/40#entry40comment Sat, 13 Dec 2025 15:10:09 +0900 https://eatfirstblog.tistory.com/38 <div style="text-align: center; margin-bottom: 30px;"><img style="max-width: 100%; height: auto; border-radius: 8px;" 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" alt="2025 연말정산 가이드" /></div> <div style="text-align: center; margin-bottom: 20px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 최상단 고정 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="3059633324" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <div style="background-color: #f3f4f6; padding: 20px; border-radius: 12px; border: 1px solid #E5E7EB; margin-bottom: 30px;"> <h3 style="margin-top: 0; font-weight: bold; border-bottom: 2px solid #374151; padding-bottom: 10px; margin-bottom: 15px;" data-ke-size="size23">목차</h3> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gf84a8d9dbbf36ade24989901b7948763ca0bee1a151b7366be2555054240a8c17e3c887fe002d7f382fb3f60e89971f0aca0e36a8d33d949edfe49827250d069_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g983d350ca90f666da8682847c0c6eadaa331ca5c8c6a97c9364f37154fce28f92d91a86039ffc1ba4b05609d25ad5ff0ea99595a68abbe93dccc41308df8634a_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gd284dcd01da214cb152972fcb2f9796d47539218cbc0d04c0ff26f504caa14e34558828c11b428c4783f9bc3d102027052b75556408a8f6446f8cf0d1af1df4f_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><a href="#section-1">1. 연말정산의 기본 이해</a></li> <li><a href="#section-2">2. 2025년 연말정산 주요 변경 사항</a></li> <li><a href="#section-3">3. 핵심 소득공제 및 세액공제 항목</a></li> <li><a href="#section-4">4. 연말정산 간소화 서비스 활용법</a></li> <li><a href="#section-5">5. 효과적인 절세 전략 및 유의사항</a></li> </ul> </div> <p data-ke-size="size16">매년 찾아오는 연말정산은 많은 납세자에게 복잡하고 어렵게 느껴지는 절차입니다. 본 가이드는 2025년 연말정산을 준비하는 과정에서 발생할 수 있는 혼란을 줄이고, 최대한의 환급을 받을 수 있도록 핵심 정보를 제공하는 데 목적이 있습니다. 복잡한 세법 용어를 쉽게 풀어 설명하고, 실질적인 절세 전략을 제시하여 납세자의 시간과 노력을 절약하는 데 기여할 것입니다.</p> <p data-ke-size="size16">연말정산은 근로소득자가 한 해 동안 납부한 세금을 정산하여 최종 세액을 확정하는 절차입니다. 이는 매월 급여에서 원천징수된 세금이 실제 납부해야 할 세금보다 많거나 적을 때 이를 조정하여 추가 납부하거나 환급받는 과정으로, '13월의 월급' 혹은 '세금 폭탄'으로 불리기도 합니다. 2025년 귀속 연말정산은 2024년 1월 1일부터 12월 31일까지의 소득에 대해 2025년 초에 진행됩니다.</p> <h2 id="section-1" data-ke-size="size26">1. 연말정산의 기본 이해</h2> <h3 data-ke-size="size23">1-1. 연말정산의 정의</h3> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g8d827fd8523e8a010f1dbbf21d0ff048b895e48a408fcc3927dde3dbe03a165619d248058fad45c3ab1cd1b4fade69aa11ad8cbb8c5e79763d4b301970845bb3_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gd3c485a0917664bb36a9805eaee075c6a0b9856f1fcdf906b92e8904a4e0bebab1effcf8306f806cdc9a40a8f510dc1b181b8f5448906ac2c301ac3305ed523a_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g7f9068d8c9d77ae4426298656b9936d3c6bce18f99139f028c260390865159952c27a73af67acb64757330693bd55792c41e682b1775a1c8b8791e97540e62f9_640.jpg" /></div> </div> <p data-ke-size="size16">연말정산은 근로소득세를 최종적으로 확정하는 절차로, 근로자가 1년간 지급받은 총 급여액에 대해 소득세법에 따라 계산된 세금을 확정하고, 기납부한 세금과 비교하여 과부족액을 환급 또는 추가 징수하는 것입니다. 이는 납세자의 소득 및 지출 상황을 고려하여 세금을 공정하게 부과하기 위한 국가의 세금 정책입니다.</p> <h3 data-ke-size="size23">1-2. 연말정산의 중요성</h3> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g5e9cb692f0a74ceac4fdd6fb60746789e24cf89f6cf3b22d984c59648917362fb36305a04027e8dc7ef53b36bc58836e68e78f26a151650e4f2c4953a5176ae2_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g9222a632c33d85266bc71b61769cac5a7e18a5075438766ab0512946f0cc2860c70c34bc2f044b82a9617e70031467f25d1ba926444d2ede77f414e56d517973_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g12d147a373b238216ca882f5c70da5b424410d7b1d2d51ada07ca324e36423a18739d46127f75e9ae93db1ce0629dd9937ce880972f690c8d9f1234aee5cc05a_640.jpg" /></div> </div> <p data-ke-size="size16">연말정산을 통해 납세자는 소득공제 및 세액공제를 적용받아 실제 납부해야 할 세금을 줄일 수 있습니다. 이는 단순히 세금을 계산하는 것을 넘어, 합법적인 절세를 통해 가계 경제에 긍정적인 영향을 미칠 수 있는 중요한 기회로 작용합니다. 따라서 정확한 이해와 철저한 준비가 필수적입니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #fcf4f4; border-radius: 12px; border: 1px solid #fecaca; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #b91c1c; font-size: 1.05em;" data-ke-size="size16"> 추천 기사: 2024년 세법개정안, 2025년 연말정산 미리보기 주요 내용</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #dc2626; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #991b1b;" href="https://www.yonhapnewstv.co.kr/news/articleView.html?idxno=202412010001" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <h2 id="section-2" data-ke-size="size26">2. 2025년 연말정산 주요 변경 사항</h2> <p data-ke-size="size16">매년 세법 개정은 연말정산 결과에 직접적인 영향을 미칩니다. 2025년 귀속 연말정산 역시 새로운 세법 개정안이 적용될 예정입니다. 아직 확정되지 않은 2025년 세법 개정 내용은 주로 전년도 경제 상황과 정부 정책 방향을 반영하게 됩니다. 주요 예상 변경 사항은 다음과 같습니다.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li> <b>소득세율 및 과세표준 구간 조정:</b> 인플레이션 및 경제 성장을 고려한 세율 구간의 미세 조정 가능성이 있습니다.</li> <li> <b>주택 관련 공제 확대 또는 축소:</b> 주택 구입 및 임차 관련 소득공제 및 세액공제 한도 또는 대상 요건의 변화가 있을 수 있습니다.</li> <li> <b>자녀 관련 공제 강화:</b> 저출산 문제 해결을 위한 자녀 세액공제 또는 기타 양육 지원 공제의 확대가 예상됩니다.</li> <li> <b>신산업 및 투자 관련 공제 신설 또는 개편:</b> 특정 산업 투자 및 혁신 성장을 지원하기 위한 새로운 공제 항목이 추가되거나 기존 항목이 개편될 수 있습니다.</li> </ul> <blockquote data-ke-style="style1"> <p data-ke-size="size16">정확한 개정 내용은 국세청 발표 및 기획재정부 세법 개정안을 반드시 확인하여야 합니다. 본 자료는 일반적인 예상에 근거한 것이므로, 실제와 상이할 수 있습니다.</p> </blockquote> <h2 id="section-3" data-ke-size="size26">3. 핵심 소득공제 및 세액공제 항목</h2> <p data-ke-size="size16">연말정산의 핵심은 소득공제와 세액공제를 최대한 활용하여 과세표준을 낮추고, 최종 납부세액을 줄이는 것입니다. 주요 공제 항목은 다음과 같습니다.</p> <h3 data-ke-size="size23">3-1. 소득공제 항목</h3> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g877cebd0b0fb88e9d80db6898a6d6d4eb9dbeb72341cb306f7858e5fe3fe9b0736532b2b416fdfa7d14bffa3c94ca5c8eff05ba3a1ff4441481fc443912bf22a_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g1e33a342e693538b71e1c9658f8ba4533a178a791ee594a4d7cdaf84cb27521a68ef02a1761b4a99efc39385a70d9572ac70a6691a01b5de5b03e719d56737f0_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gb296847f342926499cc46c7b35a9d5eadb6dba1f8a7616b4cc8edf2aa0456e45283a135af7817718203fd1907cd9c0f9c7ef48875b0e9e2f9fdb2c1451e38b4a_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>인적공제:</b> 본인, 배우자, 부양가족에 대한 기본공제 및 추가공제.</li> <li><b>연금보험료공제:</b> 국민연금 등 공적연금보험료 납부액.</li> <li><b>주택마련저축공제:</b> 주택청약종합저축 납입액.</li> <li><b>신용카드 등 사용금액 소득공제:</b> 신용카드, 직불카드, 현금영수증 사용액 중 일정 비율 공제.</li> <li><b>개인연금저축공제:</b> 특정 요건을 충족하는 개인연금저축 납입액.</li> </ul> <h3 data-ke-size="size23">3-2. 세액공제 항목</h3> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g960771ac6ec7316389959a630538622b124f15f6f0d803f7ea30031136ca0911c24fbfb1792cc188fb595ce2575a79347bd268229df8288b1f0c1b07603a8fb8_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g1787a91594c5ec2eedcbaf75dd73c8514c19fd25459c62314c941326fe94907cc23afb527d537b7d9d0511a5d3920e30bd781bc323405c1ea37c792761baf99a_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g5e483bbeafb1e6a20d97e3bc8276df9b359bb8b560b1839f5fc15f38804e179b9f483a1294035b56f3b7c9c46be428bea63d0ef39fc14f50ef318b3570569842_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>근로소득세액공제:</b> 근로소득에 대해 일괄 적용되는 세액공제.</li> <li><b>자녀세액공제:</b> 자녀 수에 따라 일정 금액 공제.</li> <li><b>연금계좌세액공제:</b> 연금저축 및 퇴직연금 납입액에 대한 세액공제.</li> <li><b>보험료세액공제:</b> 보장성보험 납입액.</li> <li><b>의료비세액공제:</b> 총급여액의 일정 비율을 초과하는 의료비 지출액.</li> <li><b>교육비세액공제:</b> 본인 및 부양가족의 교육비 지출액.</li> <li><b>기부금세액공제:</b> 법정&middot;지정 기부금에 대한 공제.</li> </ul> <h3 data-ke-size="size23">3-3. 주요 공제 항목별 유의사항</h3> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gef4d3784df53f0f308aaaea25d0fd6b0d7810bd61abef124a4691619aadcac6c160c727f03933c796971a8663f78390b5bfeebd0a0bc2bee7dfb23133822193f_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g6e7b99031cc39c29247b1145e590abc1fe116b5220c7184faf61eab22a4963607bd963c44f5e25918ca5f87f87e26f85ea12268fda72ecaf1d84492ccc71644e_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ga9870b66cfa0005222358d9d9fdef8d3cfcae2fde39ffc72880bfbcf86c403024f84adc05d473beec32b1f06616f1f4c4a15f0931f9ef8bdaf2745bda142d9e5_640.jpg" /></div> </div> <p data-ke-size="size16">각 공제 항목별로 적용 요건, 한도, 증빙 서류 등이 상이하므로, 본인의 상황에 맞는 공제 항목을 정확히 파악하고 필요한 서류를 미리 준비하는 것이 중요합니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 국세청 홈택스</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.hometax.go.kr/" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <div style="text-align: center; margin: 30px 0;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 중간 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="6479636020" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <h2 id="section-4" data-ke-size="size26">4. 연말정산 간소화 서비스 활용법</h2> <p data-ke-size="size16">국세청 홈택스에서 제공하는 연말정산 간소화 서비스는 대부분의 소득&middot;세액공제 증명 자료를 자동으로 수집하여 제공함으로써 납세자의 편의를 크게 향상시킵니다.</p> <h3 data-ke-size="size23">4-1. 간소화 서비스의 이해</h3> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g01fcc9f5a30d4c24d049538a07c751c17600e6a8beb06680f907f8933221bec7a90b7c674691638f66ba08c1646207890827ff678689d9b18c895d01afb82e87_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gf44bea1cf9b5c2d2f8209f920ea39a1826fd24fa5f80582e048d33b69059263e71e90f6e9ce8aac9ead7cfd1dee4a82cb235b51c4f8a2d11ab17f6dc45a8ea6f_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g9f4049764ea2fac675b6c368d24ee53a5b96da24065906b50f7806859527032d9480f1129e9cbb5956617f76d4bb907802acc80da1f1610e1a71f65f7a9caf02_640.jpg" /></div> </div> <p data-ke-size="size16">간소화 서비스는 병원, 은행, 보험사 등 다양한 기관으로부터 공제 자료를 직접 수집하여 납세자에게 제공하는 시스템입니다. 이를 통해 납세자는 복잡한 서류 준비 없이 클릭 몇 번으로 자신의 공제 자료를 확인할 수 있습니다.</p> <h3 data-ke-size="size23">4-2. 편리한 자료 제출 방법</h3> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li> <b>자료 조회 및 선택:</b> 홈택스에 접속하여 공인인증서 등으로 본인 인증 후, 간소화 서비스에서 조회되는 공제 자료를 확인하고 필요한 항목을 선택합니다.</li> <li> <b>회사 제출:</b> 선택된 자료는 PDF 파일로 다운로드하거나, '제공 동의' 기능을 통해 회사에 바로 제출할 수 있습니다.</li> <li> <b>누락 자료 확인:</b> 간소화 서비스에서 조회되지 않는 자료(예: 월세액, 교복구입비, 특정 기부금 등)는 직접 증빙 서류를 준비하여 제출해야 합니다.</li> </ul> <h2 id="section-5" data-ke-size="size26">5. 효과적인 절세 전략 및 유의사항</h2> <p data-ke-size="size16">성공적인 연말정산을 위해서는 미리 준비하고, 놓치기 쉬운 부분을 점검하는 것이 중요합니다.</p> <h3 data-ke-size="size23">5-1. 미리 준비하는 전략</h3> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li> ️ <b>연중 소득&middot;지출 관리:</b> 연간 소득과 지출을 파악하여 공제 한도를 미리 계산하고, 부족한 부분이 있다면 연말까지 보충할 수 있도록 계획을 수립합니다.</li> <li> &zwj; &zwj; &zwj; <b>부양가족 공제 최적화:</b> 맞벌이 부부의 경우, 배우자와 자녀의 소득&middot;세액공제 항목을 분배하여 부부 합산 가장 많은 세액을 환급받을 수 있는 방안을 모색합니다.</li> <li> <b>절세 금융 상품 활용:</b> 연금저축, 퇴직연금 등 세액공제 혜택이 있는 금융 상품에 가입하고 꾸준히 납입하여 절세 효과를 극대화합니다.</li> </ul> <h3 data-ke-size="size23">5-2. 맞벌이 부부 연말정산 팁</h3> <p data-ke-size="size16">맞벌이 부부는 소득이 높은 배우자가 소득공제 항목을 집중적으로 받는 것이 유리합니다. 반면, 세액공제는 소득 수준과 관계없이 공제액이 일정하므로, 각 항목의 특성을 고려하여 효율적으로 배분하는 것이 중요합니다.</p> <h3 data-ke-size="size23">5-3. 기타 주의사항</h3> <p data-ke-size="size16">간소화 서비스에서 제공되지 않는 자료를 누락하거나, 잘못된 정보를 제출하여 추후 가산세를 부담하는 일이 없도록 주의해야 합니다. 또한, 국세청의 최신 공지사항을 주기적으로 확인하여 변경된 세법 내용을 숙지하는 것이 중요합니다.</p> <p data-ke-size="size16">2025년 연말정산은 변화하는 세법 환경 속에서 철저한 준비와 정확한 정보 활용이 중요합니다. 본 가이드를 통해 연말정산의 기본 원리를 이해하고, 주요 개정 사항 및 공제 항목들을 숙지하여 현명하게 절세하는 데 도움이 되기를 바랍니다. 국세청 홈택스 등 공식 자료를 참고하여 본인의 상황에 맞는 최적의 연말정산 전략을 수립하시기 바랍니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 국세청 홈택스</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.hometax.go.kr/" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <div style="text-align: center; margin-top: 30px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 하단 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="2540391017" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> 밥챙겨주는사람 https://eatfirstblog.tistory.com/38 https://eatfirstblog.tistory.com/38#entry38comment Sat, 13 Dec 2025 11:07:38 +0900 https://eatfirstblog.tistory.com/37 <div style="text-align: center; margin-bottom: 30px;"><img style="max-width: 100%; height: auto; border-radius: 8px;" src="data:image/png;base64,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" alt="2025 연말정산 일용직" /></div> <div style="text-align: center; margin-bottom: 20px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 최상단 고정 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="3059633324" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <div style="background-color: #f3f4f6; padding: 20px; border-radius: 12px; border: 1px solid #E5E7EB; margin-bottom: 30px;"> <h3 style="margin-top: 0; font-weight: bold; border-bottom: 2px solid #374151; padding-bottom: 10px; margin-bottom: 15px;" data-ke-size="size23">목차</h3> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><a href="#section-1">일용근로소득의 정의 및 특징</a></li> <li><a href="#section-2">일용직 근로자의 연말정산 대상 여부</a></li> <li><a href="#section-3">일용근로소득 세액 계산 및 원천징수</a></li> <li><a href="#section-4">종합소득세 신고와의 관계</a></li> <li><a href="#section-5">일용직 근로자를 위한 세금 정보 활용 팁</a></li> </ul> </div> <p data-ke-size="size16">일용직 근로자로서 자신의 세금 처리에 대한 혼란을 겪는 경우가 많습니다. 본 문서는 2025년 기준 일용근로소득의 연말정산 적용 여부 및 관련 세금 처리 방안을 명확히 제시하여, 일용직 근로자 및 관련 사업자가 정확한 세무 정보를 파악하고 효율적인 세금 관리를 수행할 수 있도록 돕습니다.</p> <p data-ke-size="size16">일용근로소득은 근로 형태 중 하나로, 동일 고용주에게 3개월 미만으로 고용되는 경우 발생하는 소득을 지칭합니다. 2025년 연말정산 시 일용직 근로자의 소득은 일반적인 근로소득과는 다른 세금 처리 방식을 가지므로 이에 대한 이해가 중요합니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g45483b8c46d5f07a8ebd0f7888967b0981e1e6690872e8abfec2567c12ab42d601eb691b6c326a22214c29e2503b7b915b019b937a57663c36fe9b92f611258b_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g211cf69085466fa432e62c7d3f7424962369c7b45d51b4fe2f64ab7ef9f7857141037758f38085467c4d12ccb14529bf018b646be9603fc673c931a3cc119ec8_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g0ad9f2344d046191b0cd8193440c959d5eacdc90c167622c1f728641da2a3097fe0cda4c229280b3d9ab88373cf212fa303e3c1f74692f31a02042625091bb59_640.jpg" /></div> </div> <h2 id="section-1" data-ke-size="size26"> 일용근로소득의 정의 및 특징</h2> <p data-ke-size="size16">일용근로소득은 근로를 제공한 날 또는 시간에 따라 근로수당을 계산하거나 근로 계약에 따라 일당&middot;시급 형태로 지급받는 소득을 의미합니다. 통상적으로 동일 고용주에게 3개월(건설공사 종사자는 1년) 미만으로 고용된 자의 소득으로 정의됩니다.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>고용 기간:</b> 동일 고용주에게 3개월 미만 고용 (건설 일용직은 1년 미만)</li> <li><b>소득 지급:</b> 일당, 시급 등 단기 형태로 지급</li> <li><b>세금 처리:</b> 다른 근로소득과 달리 분리과세 적용</li> </ul> <blockquote data-ke-style="style1"> <p data-ke-size="size16">일용근로소득은 매일 또는 매 작업 종료 시 급여를 지급받고, 계속적인 근로관계가 아닌 임시적 근로에 대한 대가라는 점에서 상용근로소득과 명확히 구분됩니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g9c36fa4b0d25a7c257c3271bd28dba8c6a28396f4a06c1348936221e1e757e4d11f40b64691a3ca7a9c3c71f7460bad1841a9b8339f1837b6efa4dc217fe99f0_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge4881af10754314c4f896a22fbf0aad88800741a1f16f5f18e938b8091857a1bb2b6643993a6b207e30322c7ef29ec7fed94a9a71dc2a427c44a34da3004ab7b_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g653cbade18080148fc79221ea774f86d3db05277e23ba0aa3c640748c22274ac5fa778597410359683a2052981bfc6c0fa065fb89e97318c566e2eaac5e19259_640.jpg" /></div> </div> </blockquote> <div style="margin: 30px 0; padding: 20px; background-color: #fcf4f4; border-radius: 12px; border: 1px solid #fecaca; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #b91c1c; font-size: 1.05em;" data-ke-size="size16"> 추천 기사: 새해부터 일용근로자 비과세 한도 10만원&rarr;15만원 상향</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #dc2626; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #991b1b;" href="https://www.yna.co.kr/view/AKR20231221102800002" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <h2 id="section-2" data-ke-size="size26"> 일용직 근로자의 연말정산 대상 여부</h2> <p data-ke-size="size16">일반적으로 일용직 근로자는 연말정산 대상에 해당하지 않습니다. 일용근로소득은 원천징수 시 납세의무가 종결되는 '분리과세' 대상 소득이기 때문입니다. 즉, 급여를 지급받을 때 이미 세금이 공제되므로 별도의 연말정산 절차를 거치지 않습니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gaf95da8ffb9814555973f1da61a385903e014d06b7fbed1deae9c3612eb89c4067799168402e5338012bf7c6d623694274ebd5ab8a2856dddfe20ac6774da0bf_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g850e072d8564b1d1072eea910739bcde81dfee637d8f3ece70c7da96781af057320b32b50d1fdf7f4d62680b785e25f1536894b652dca352c1a9cf5a491e145b_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g076fb67db17f172cfa625fb66fa9d78ad779dda79c4c51fb12a95ac13b91d60130ab10636ea10a33a41c33d9313c58c3c5673150d90c055f91623ff91a9887e0_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>원칙:</b> 연말정산 비대상</li> <li><b>이유:</b> 분리과세 소득으로, 원천징수로 납세의무 종결</li> <li><b>예외:</b> 3개월 이상 동일 고용주에게 고용된 경우 상용근로자로 간주되어 연말정산 대상에 포함될 수 있음</li> </ul> <p data-ke-size="size16">만약 일용직으로 근무하였으나 실제로는 상용근로자에 해당하는 경우, 해당 근로소득은 연말정산 대상이 됩니다. 이는 고용 관계의 실질에 따라 판단됩니다.</p> <h2 id="section-3" data-ke-size="size26"> 일용근로소득 세액 계산 및 원천징수</h2> <p data-ke-size="size16">일용근로소득에 대한 세액은 다음과 같이 계산됩니다. 2025년 기준으로 일당 15만원까지는 비과세이며, 이를 초과하는 금액에 대해서만 세금이 부과됩니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gddbada1b6dc546d99e862d6bed9193ccc8cb7c8a217595508b52971cf38969574ba24869592d46fb197aaedeca48d14715bece728a6e860faf1a060f4839e468_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g10622975485b3f49072411c56a2adfb5df0fd18632d3de71e8b51742eef16df439e6c68dd50bf03eb1ab976feb4062b0da01c93a0305b54f62f9a1a7cfd5a7bd_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gc029d492709e57e5468db3d8eaab555efed8da49fa121234b528dcd44c64e6f90df028c7dead188d9c32c6d582b3200934c59bd322e039822c21c3e169f8f365_640.jpg" /></div> </div> <ol style="list-style-type: decimal;" data-ke-list-type="decimal"> <li><b>비과세 기준:</b> 일당 15만원 (2024년 1월 1일 이후 소득분부터 적용)</li> <li><b>과세표준:</b> (일당 - 15만원)</li> <li><b>세율:</b> 과세표준의 6%</li> <li><b>산출세액:</b> 과세표준 &times; 6%</li> <li><b>결정세액:</b> 산출세액 &times; (1 - 근로소득세액공제 55%)</li> </ol> <p data-ke-size="size16">사업주는 일용근로자에게 급여 지급 시 해당 세액을 원천징수하여 다음 달 10일까지 세무서에 납부합니다. 이러한 원천징수 과정으로 일용직 근로자의 세금 납부가 완료됩니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 국세청</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g004f8d1e07a8e3e6b5c82f3083a7db82915bb6a31dec2809612de171043881cef5c8e72f80f9efba1f70c0e0f9337db09a85ef7ee6b0326256b124a582f1f764_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ga8abe55d6888fb24eedab6e3d2ec233acbafe6fa73bb5c8a6d4482a91ae5ab5afc8b553cf3c7afd60fa2f3165a9f5cc336a6cd6acc446cd6e5b3bfbf015800f1_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g91de08eb686cb8e55fbd8f528112f9c2a2b84a923c81924249d24ad3bd4168367c02ac28a0cdaf768f7fcdce2b3e25ad17135a79f69c50f79d1cfd37b5ca1d57_640.jpg" /></div> </div> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.nts.go.kr" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <div style="text-align: center; margin: 30px 0;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 중간 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="6479636020" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <h2 id="section-4" data-ke-size="size26"> 종합소득세 신고와의 관계</h2> <p data-ke-size="size16">일용근로소득은 분리과세 소득이므로, 원칙적으로 종합소득세 신고 대상에서 제외됩니다. 하지만 다음의 경우에는 종합소득세 신고를 고려해야 합니다.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>다른 소득 합산:</b> 일용근로소득 외에 사업소득, 근로소득(상용직), 기타소득 등 다른 종합과세 대상 소득이 있는 경우. 이 경우 모든 소득을 합산하여 종합소득세 신고를 진행해야 합니다.</li> <li><b>세금 환급 가능성:</b> 여러 일용직에서 소득이 발생하여 세금이 과다하게 원천징수되었거나, 타 소득과의 합산으로 공제 항목 적용 시 세금을 환급받을 수 있는 가능성이 있는 경우.</li> </ul> <p data-ke-size="size16">종합소득세 신고를 통해 원천징수된 세액보다 적은 세금을 납부할 수 있는 상황이라면, 5월 종합소득세 신고 기간에 신고를 검토하는 것이 유리할 수 있습니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge7eda26dfce8be7bcc78cb829724343c0a4402cc7565aef780ff628cf3379caaba9e7b4db8d2421cabc9b3843ed4dfc957aa23d3f862f1eae448f20165e66964_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g688ceacba119883e2dd37992bcd613b346c3dfe6aeffe9cd7355b97d2c321dc39c7c6a2976f33b5f37d0e507cf521548c51bd73c0d8ec1001e6e0985ce8f9e88_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g5d760a3694d4012bd1537be67cf9f40083ceec30b8162096628824e9dc5c619346fd25d164f706c4d7001129cb6db2a3_640.jpg" /></div> </div> <h2 id="section-5" data-ke-size="size26"> 일용직 근로자를 위한 세금 정보 활용 팁</h2> <p data-ke-size="size16">일용직 근로자도 자신의 소득과 세금 내역을 주기적으로 확인하는 것이 중요합니다. 다음은 세금 관리에 유용한 팁입니다.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>지급명세서 확인:</b> 급여를 지급받을 때 사업주로부터 지급명세서를 받아 소득 및 원천징수 내역을 확인합니다.</li> <li><b>홈택스 활용:</b> 국세청 홈택스(www.hometax.go.kr)에서 본인의 일용근로소득 지급명세서 제출 내역을 조회할 수 있습니다. 이를 통해 본인의 소득 누락 여부 및 납부 세액을 파악할 수 있습니다.</li> <li><b>세금 상담:</b> 세금 관련 궁금증이 있다면 국세청 126 상담센터나 세무 전문가의 도움을 받는 것이 정확한 정보를 얻는 데 유리합니다.</li> </ul> <p data-ke-size="size16">정확한 소득 및 세금 내역 관리는 향후 다른 소득과의 합산 또는 금융 기관 이용 시 중요한 자료가 됩니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge1b34ebdf58d282332ee207c69c41a6b8716637014c495c3fd200feefa2084d4aea96259c998dff2104817fb49326564_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g0e9236675e847ef3d27aaab4e0bd7fd69fb5ffb648d80c9f8f3ebe7f0861ab7cef92b904ec4779828284aa2767d6ccdfb7e5a1869a7b832499e36d47dd64aa31_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g77592e300ae213c1f5b1dc8af6c32b1e7d7d8b496159d8e70f1cf1a73b0ac2efe736ea6e06f943933f47b675986edf5163d0f4e3490005a9e14ad6c8e6f25b3d_640.jpg" /></div> </div> <h3 data-ke-size="size23">마무리하며</h3> <p data-ke-size="size16">2025년 일용직 근로자의 연말정산은 일반 근로자와 달리 분리과세 원칙에 따라 별도의 절차 없이 원천징수로 종결됩니다. 그러나 다른 소득이 있거나 세금 환급의 가능성이 있는 경우에는 종합소득세 신고를 통해 유리한 세금 처리를 할 수 있습니다. 본인의 소득 내역을 꾸준히 확인하고 필요한 경우 전문가의 도움을 받아 정확한 세금 관리를 수행하는 것이 중요합니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 국세청</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.nts.go.kr" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <div style="text-align: center; margin-top: 30px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 하단 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="2540391017" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> 밥챙겨주는사람 https://eatfirstblog.tistory.com/37 https://eatfirstblog.tistory.com/37#entry37comment Sat, 13 Dec 2025 09:31:29 +0900 https://eatfirstblog.tistory.com/36 <div style="text-align: center; margin-bottom: 30px;"><img src="data:image/png;base64,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" alt="2025 연말정산 외국인" style="max-width: 100%; height: auto; border-radius: 8px;" /></div> <div style="text-align: center; margin-bottom: 20px;"> <script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808" crossorigin="anonymous"></script> <!-- [디스플레이, 사각형, 반응형] 최상단 고정 광고 --> <ins class="adsbygoogle" style="display:block" data-ad-client="ca-pub-4852002847348808" data-ad-slot="3059633324" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <div style="background-color: #F3F4F6; padding: 20px; border-radius: 12px; border: 1px solid #E5E7EB; margin-bottom: 30px;"><h3 style="margin-top:0; font-weight:bold; border-bottom: 2px solid #374151; padding-bottom:10px; margin-bottom:15px;">목차</h3><ul><li><a href="#section-1">2025년 외국인 근로자 연말정산 개요</a></li><li><a href="#section-2">연말정산 대상 외국인 근로자 및 필수 서류</a></li><li><a href="#section-3">외국인 근로자 주요 소득 및 세액 공제 항목</a></li><li><a href="#section-4">연말정산 신고 절차 및 유의사항</a></li><li><a href="#section-5">외국인 근로자를 위한 특례 규정</a></li></ul></div><p>해마다 반복되는 연말정산은 대한민국 내에서 소득 활동을 하는 외국인 근로자에게도 중요한 절세 기회이자 의무 사항이다. 복잡하게 느껴질 수 있는 연말정산 절차와 공제 항목들을 미리 숙지함으로써 불필요한 세금 부담을 줄이고 정확한 환급액을 돌려받을 수 있다. 본 문서는 2025년 귀속 연말정산을 준비하는 외국인 근로자를 위해 필수적인 정보와 절세 팁을 제공함을 목적으로 한다.</p><h2>서론: 외국인 근로자의 연말정산, 왜 중요한가?</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g8194363e4139afc8ac39f8c67b5d1bcaf1a572ebd964f21c4e4673ea966d73b37c90e678061e284c8def3e0704d7acf05a7979559f1b4fd3d8c334186171a7dc_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g5dd063ad2a3723f9902e59bfe0fcf23fe4c1295ef4df1a8f861f16161600a7606bc3fb9557aefc202e5b0c56b92ca7e314c39e31bd629448962e37396a15ca05_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g343ea43af8f9a6194eda145c9df579b9cbbc9ae62eeaba507d9e08ce3bebaaa0162481a32edd854ff8b45268f77026c59e6cbad1730177fadc28dd72019e879b_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>연말정산은 근로자가 한 해 동안 납부한 세금을 정산하여 최종 세액을 확정하고, 초과 납부액은 환급받거나 부족액은 추가 납부하는 절차이다. 대한민국 국적자와 마찬가지로 국내에서 근로소득이 발생하는 외국인 근로자 역시 연말정산 의무를 가진다. 이는 단순히 세금을 정산하는 것을 넘어, 다양한 소득 및 세액 공제를 통해 실질적인 소득을 증대시키는 중요한 수단이 됨.</p> <div style="margin: 30px 0; padding: 20px; background-color: #fcf4f4; border-radius: 12px; border: 1px solid #fecaca; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #b91c1c; font-size: 1.05em;"> 추천 기사: 외국인 근로자 연말정산, 복잡해도 놓치면 손해! 핵심 팁</p> <a href="https://www.hankyung.com/finance/article/2024010000000" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #dc2626; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #991b1b;"> <span> 바로가기 Click</span> </a> </div> <h2 id="section-1"> 2025년 외국인 근로자 연말정산 개요</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g69a3af75c50d6b6edb3803ebdcfb0c9b314bc98f3fa4cdfcd6ae48edaf7c70a8437a1a56505c51c0347b54a7b27461909db4569753c25f2808945d6c9c60e81b_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g29d4f251177683742b70b229a3bdd59810c1f138cfb6957f30cf0434b30c99ee396600a7407c40231dc7c493ab444696d82aacd2efa9e76f8af0425baa6c6492_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gfd9989ea433d967e279febb8a6703d9d6d7d807693f218044bc598423f212189395312cd908e990f9703ea76c547887e8341bfc035327b6207ab512c294f4532_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>대한민국에 거주하는 외국인 근로자는 소득세법에 따라 연말정산을 실시하여야 한다. 이는 거주자 및 비거주자의 개념에 따라 적용되는 세법 규정에 차이가 있으므로, 본인의 거주자성 여부를 정확히 판단하는 것이 중요함. 일반적으로 183일 이상 국내에 거주한 외국인은 거주자로 분류되어 내국인과 동일한 연말정산 방식을 적용받으나, 예외 사항도 존재함.</p><ul><li><strong>거주자:</strong> 국내에 주소를 두거나 183일 이상 거소를 둔 개인. 국내외 모든 소득에 대해 납세 의무 부담.</li><li><strong>비거주자:</strong> 거주자가 아닌 개인. 국내원천소득에 대해서만 납세 의무 부담.</li></ul><h2 id="section-2"> 연말정산 대상 외국인 근로자 및 필수 서류</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gf477fc50cee6c887f0c427b0eacec3032dd4c5e41e5a840411f98425265183affd54518ac3c67305f82c6bf63d460c9bdfc6bb5403c04f4141c2b35faa29aac8_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/ge2d9622f9deabfc0f0a57d42993032fdb72a84fcbd7cd73c048ae20364bd1f60a7533d66fdfa0e2c8cafbb74d7a449272f7f753c0f0393022b833d2823bfa3d8_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g2839ee22569ab1fa040ddac624f416f4eff7093777e786f5fa7d0a8bb6b743657b7691b611024c03f5e2ba735d07aca0c234f83880fee7257857352deb5f2e38_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>국내 사업장에서 근로소득을 지급받는 모든 외국인 근로자는 연말정산 대상에 해당한다. 연말정산을 위해서는 소득 및 공제 증명을 위한 다양한 서류를 제출하여야 함. 이는 근로자의 상황에 따라 상이할 수 있으므로, 사전에 필요한 서류를 꼼꼼히 확인하는 것이 중요함.</p><h3>주요 제출 서류:</h3><ul><li>근로소득원천징수영수증 (직전 직장에서 발급)</li><li>소득 및 세액 공제 증명 서류 (예: 신용카드 사용액, 보험료 납입 증명, 교육비 납입 증명 등)</li><li>외국인등록증 사본 또는 여권 사본</li><li>(해당 시) 거주자증명서 (해외에서 발급)</li><li>(해당 시) 조세조약 관련 서류</li></ul> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;"> 공식 사이트: 국세청 외국인 근로자 연말정산 안내</p> <a href="https://www.nts.go.kr/nts/na/ntt/selectNttInfo.do?mi=2356&nttSn=1033282" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;"> <span> 바로가기 Click</span> </a> </div> <div style="text-align: center; margin: 30px 0;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 중간 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="6479636020" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <h2 id="section-3"> 외국인 근로자 주요 소득 및 세액 공제 항목</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gd1eb4aa3e1fd5ddddddce2e6cecd164375b8b11e9224274ac50c242690006549759fa3e3340c6631ae50fd2a5e7392198f07b6ef076fcbf1f159f47fb8051666_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g9fab26870b3d1c440e7223e503e6892dbbdcbd2927fe88fdd4da8c0dc1b8d3775c6b6835669fd3fb2ffb0814021e5e96f322e4005a2e5483d3bfa2239b2fba4e_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g3be18daad3df3734fca319b18668d2a09c5de10132da4af0caf29068235233dbceddac07efddff8e28d238df9f195e67c779e5159c5a57d551e9704ff856bb75_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>외국인 근로자도 내국인과 동일하게 다양한 소득 및 세액 공제 혜택을 받을 수 있다. 단, 일부 공제 항목은 거주자 여부 및 체류 목적에 따라 제한될 수 있으므로 주의가 필요함.</p><h3>주요 공제 항목:</h3><ul><li><strong>인적 공제:</strong> 본인, 배우자, 부양가족에 대한 공제. 부양가족의 경우 소득 요건 및 주거 요건 충족 시 적용 가능.</li><li><strong>연금보험료 공제:</strong> 국민연금 등 공적연금 납입액.</li><li><strong>건강보험료 및 고용보험료 공제:</strong> 실제 납부한 보험료.</li><li><strong>신용카드 등 사용금액 소득공제:</strong> 국내에서 사용한 신용카드, 직불카드, 현금영수증 사용액에 대한 공제.</li><li><strong>주택 관련 공제:</strong> 주택임차차입금 원리금 상환액, 장기주택저당차입금 이자상환액 등 (요건 충족 시).</li><li><strong>특별세액공제:</strong> 보험료, 의료비, 교육비, 기부금 등 (요건 충족 시).</li></ul><blockquote>일부 외국인 근로자의 경우, 입국일로부터 5년간 근로소득에 대해 19% 단일세율을 적용받는 특례를 선택할 수 있으므로, 본인에게 유리한 방식이 무엇인지 비교 검토하는 것이 중요함.</blockquote><h2 id="section-4">✅ 연말정산 신고 절차 및 유의사항</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gcfd198dc2cea3bc8b794237d3fad29efcac67464c313ec9c0a689c5156a1e185a115337ae76b7c0363bfc730ebc646f914f2778f1cf8a0c0b23774cf16951ccd_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g6e4e59f7503d73114c9623d5382db3f97f0a8a40b7f2e6d590c968c0b1f8c1617a418bf4326a53e58093716c8dd7ce22f1ca6c6533e65e323aea822b6b14e7a5_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gcc6c60f4b64877c4a836e87a6fa4dcbab92de122989c4337bb9012d2d707b9f10bf093e32993851d26d1a6786451e66cae4243c9119364e7742f68caa0655540_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>외국인 근로자의 연말정산 신고 절차는 내국인과 크게 다르지 않다. 일반적으로 근로자가 회사에 필요한 서류를 제출하면 회사가 취합하여 신고하는 방식이다. 그러나 개인적인 추가 공제를 위해서는 본인이 직접 자료를 준비해야 함.</p><h3>신고 절차:</h3><ul><li><strong>자료 수집:</strong> 연말정산 간소화 서비스 (www.hometax.go.kr)에서 공제 자료 확인 및 출력. 간소화 서비스에서 제공되지 않는 자료는 개별 발급 필요.</li><li><strong>회사 제출:</strong> 수집된 자료를 연말정산 신고 기간 내에 회사에 제출.</li><li><strong>최종 정산:</strong> 회사가 세액 계산 후 원천징수영수증 발급.</li></ul><h3>유의사항:</h3><ul><li><strong>제출 기한 엄수:</strong> 기한 내 서류를 제출하지 못할 경우 공제 혜택을 받지 못할 수 있음.</li><li><strong>정확한 정보 제공:</strong> 잘못된 정보 제출 시 가산세가 부과될 수 있으므로 주의.</li><li><strong>언어 문제:</strong> 세무 용어 이해가 어렵다면 회사 담당자나 세무 전문가의 도움을 받는 것이 바람직함.</li></ul><h2 id="section-5"> 외국인 근로자를 위한 특례 규정</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gd416225e44ebac7b470ce298606a516ebce9eab9280a044b5d5a3d1babdfbcfaca2c908f6d45943fcef8d34259bc3af2f7f675d75ce94b6fce3799bd63a6a089_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gf330ebe4206678243ca08f0df0cccb9437c4254d9a416b12886bf5439582b49ec74887e825877d5df5715566d6390a720dfb2782531f43c11859e353bde75f3c_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g450e1491f9321234668affc26aaeb691ed2800cc9b9dcb6e923dc31bc5a6c7450f782ba5100dfb2ca3472044fbb08807f7776ae03460e00e320fb2ea3ecff2fa_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>외국인 근로자를 위한 특별한 세금 혜택 및 규정이 존재한다. 가장 대표적인 것은 '외국인 근로자 19% 단일세율 적용' 특례이다. 이는 대한민국에 처음 입국하여 근로를 제공하는 날부터 5년 동안 발생하는 근로소득에 대해 19%의 단일세율을 적용하는 제도이다. 이 경우, 대부분의 소득 및 세액 공제는 배제됨.</p><ul><li><strong>19% 단일세율 적용 대상:</strong> 주로 연구개발, 외국인투자기업의 전문인력 등 특정 요건을 충족하는 외국인 근로자.</li><li><strong>선택의 중요성:</strong> 일반 연말정산과 19% 단일세율 적용 중 본인에게 더 유리한 방식을 선택하여야 하며, 이는 소득 수준 및 공제 항목 유무에 따라 달라질 수 있음.</li><li><strong>조세조약:</strong> 대한민국과 모국 간 조세조약이 체결되어 있다면, 조세조약에 따른 세금 감면 혜택을 받을 수도 있으므로 확인이 필요함.</li></ul><h2>결론</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g5a436d442f17cff44c21bea7ed4e290e00edcb0b3ef82f1874d4c160e08eee3aab753f5c1a25d5cf7872ad8660e03985_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/ge2a909b0d1f9118b3c3b7d6d8fd04579cf0bd23a62f15917bdde727d035cdc0aa658d0992815da855b90c1a7b576245fba2843eca8b936c57239d070c2665750_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g8567ce0f381a53234f407b57de61a2ffba1f0a5781421934926eac503f1319eee2417cf04967ffb6f7ba158b3dee47d0_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>2025년 외국인 근로자 연말정산은 복잡하게 느껴질 수 있으나, 본인의 상황을 정확히 파악하고 필요한 정보를 준비한다면 충분히 효율적으로 관리할 수 있다. 거주자성 판단, 필수 서류 구비, 주요 공제 항목 숙지, 그리고 특례 규정 활용 등 핵심 사항을 인지하고 기한 내에 정확히 신고함으로써 불이익 없이 절세 혜택을 극대화할 수 있을 것으로 사료됨. 궁금한 사항은 국세청 홈택스 웹사이트나 세무 전문가의 상담을 활용함을 권장한다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;"> 공식 사이트: 국세청 외국인 근로자 연말정산 안내</p> <a href="https://www.nts.go.kr/nts/na/ntt/selectNttInfo.do?mi=2356&nttSn=1033282" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;"> <span> 바로가기 Click</span> </a> </div> <div style="text-align: center; margin-top: 30px;"> <script 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src="data:image/png;base64,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" alt="2025 연말정산 전세자금" /></div> <div style="text-align: center; margin-bottom: 20px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 최상단 고정 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="3059633324" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <div style="background-color: #f3f4f6; padding: 20px; border-radius: 12px; border: 1px solid #E5E7EB; margin-bottom: 30px;"> <h3 style="margin-top: 0; font-weight: bold; border-bottom: 2px solid #374151; padding-bottom: 10px; margin-bottom: 15px;" data-ke-size="size23">목차</h3> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><a href="#section-1"> 전세자금대출 소득공제 개요</a></li> <li><a href="#section-2"> 공제 대상 및 요건</a></li> <li><a href="#section-3"> 공제 한도 및 적용률</a></li> <li><a href="#section-4"> 필요 서류 및 제출 방법</a></li> <li><a href="#section-5">⚠️ 주요 개정 사항 및 유의사항</a></li> </ul> </div> <p data-ke-size="size16">많은 근로소득자가 연말정산 시 주택 관련 공제 항목을 간과하여 세금 혜택을 충분히 누리지 못하는 경우가 발생합니다. 특히 전세자금대출 소득공제는 무주택 세대주의 주거 안정 지원을 목적으로 하는 중요한 절세 방안입니다. 본 문서는 2025년 연말정산을 대비하여 전세자금대출 소득공제의 핵심 내용을 상세히 분석함으로써 납세자의 정확한 이해와 효율적인 세금 환급에 기여하고자 합니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge382e09b7fa0fb7f1be11837444c32fc6b262a20431972ae1c6ecf91f67f1c0a442cf2243d5c726e3f3158d187de559344b14a77808faa95e169d523f60323fd_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge8b27029eaa4dc0fa4f6e03bd645f4f4df808eb354d6f0b1a0c4fc917ee76c761f7557b98e7149d3aa0509fd6831c4322b964a6a74d28cf458bdc16f3566e131_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g1163e35cad25fb01b6b7d1a2cb678bac5c7bf93a35a82e3630ced0607d038f34b9082e8bb86889bd7fdbbd1f87cdb2e90bc8b425fef20bdf832c1d71c0b6d99b_640.jpg" /></div> </div> <p data-ke-size="size16">전세자금대출 소득공제는 근로소득자가 주택 마련을 위해 금융기관으로부터 대출받은 전세자금의 원리금 상환액에 대하여 일정 한도 내에서 소득공제를 적용받는 제도입니다. 이는 무주택 근로자의 주거비 부담을 경감하고 안정적인 주거 생활을 지원하기 위하여 마련된 세법상 혜택입니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g4c6313ec6d6334d6df626b690dd397ed874337be30936cad5b9118fbe8f4e7f82b7326a99d66440d4932925636a532fb0dd79cf76377054395b0c9740741bb65_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g0ffad3b7625ff542e0675e8c953422bd1b3779ea7a1589bd004b181b8a47da2ab2ad2c2f58f33427ef9387eb6fe61fa9360e8faa47328c012abfd76785c4cdf0_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g192e08d4ad0feed114d25e4adef0895187d452b91a758a0f01f3d532017efe25105e915b3d71822c6778ee70c8c6d9daf710632e53815b5b9aaffc9975a3cc11_640.jpg" /></div> </div> <h2 id="section-1" data-ke-size="size26"> 전세자금대출 소득공제 개요</h2> <p data-ke-size="size16">전세자금대출 소득공제는 소득세법 제52조에 의거하여 주택자금공제의 일환으로 시행되는 제도입니다. 무주택 세대주인 근로자가 국민주택규모의 주택(주거용 오피스텔 포함)을 전세 또는 월세로 임차하기 위하여 금융기관으로부터 대출받은 원리금 상환액의 일부를 소득에서 공제받을 수 있도록 함으로써, 실질적인 과세표준을 낮추어 세 부담을 경감시키는 효과를 가집니다. 본 공제는 주택 매매 목적의 대출 공제와는 구분되며, 전세 보증금 마련을 위한 대출에 한하여 적용됩니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g8c3e85ba193c292888830a5327bfc93d92fad7eeef525b17554e990dc769e817ca3e64ef97f6a31281c6cca6e31e523e9c99f8816eccb4d12e10c88c20a355c6_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g2158f1aee16083608f1ed73456969a1a0c2a1ebb38845d40797d7678477480a50ee891a22d36378dfc42a816529e69bf5829ac82b93229799a370c3a45d0098e_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge6002e1d8a53b79890de0f9c8d4b49e24ce61661753657b20af33df605f2009f36cec5ac87a69527714ba3cb5393f67ffc1cbe99c3852c148c42a33e5ecf32dd_640.jpg" /></div> </div> <div style="margin: 30px 0; padding: 20px; background-color: #fcf4f4; border-radius: 12px; border: 1px solid #fecaca; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #b91c1c; font-size: 1.05em;" data-ke-size="size16"> 추천 기사: 연말정산 주택자금공제, 꼼꼼히 챙겨야 할 절세 팁</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g5a029d1e923eff0f6fb1596cf2e2725978327e13c24452f05b47165f1fe3f84babb19e2b73d365302143be1945bc43cb7d23de8a093f72c4d6a89c7018df0546_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g6ee12c2758d8bdafb80d05ffe8b6a4610edd2ffb885afe5ddb93e7c936950b3db982fc7fdf9424603767ee083515d0eb4a0c26211df045345d2f23c26e031629_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g8cac4391ae8a0560b48c6ffb53ab883b2f56cf71bbe570cad1b746f7f9207e23b211b76b5be7c264ccd7d4f3c8ece9da4adf0bbc1b2c6289913ecfb938b041bd_640.jpg" /></div> </div> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #dc2626; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #991b1b;" href="https://www.mk.co.kr/news/economy/10899039" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <h2 id="section-2" data-ke-size="size26"> 공제 대상 및 요건</h2> <p data-ke-size="size16">전세자금대출 소득공제를 적용받기 위해서는 대출자 및 주택에 대한 특정 요건을 충족하여야 합니다. 주요 요건은 다음과 같습니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ga1988a8e4ffd1de4c2a37fdeeb66aa13a6c0ba2ab2f3eedf45fbf0595d4c29c5824c1ef9aa43934ba1f60b14b8aa18e92bb58b5265bd5fec3c6569afd49276df_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g86021cd9c2cdf00c17f5b413b2d929b7063174ac1875266b2b48497e4f68d6c05d0ec000170f029065f2eac171499bff3ab9ef9e93c2bb1e542d8be5433fa606_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gb7791756a95ab19803f745ff9a75a4f3940bbedddd1a17131162d2cbe2c095209de01a6a4941fadabb28167fdb7ea1b2749bbf2118491f1659bd06fe36433c06_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>대출자 요건:</b> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li>총급여액 7천만원 이하의 무주택 세대주인 근로자</li> <li>세대주 여부는 과세기간 종료일 현재의 주민등록표 등본에 따름</li> <li>세대원 중 주택을 소유한 자가 없어야 함</li> </ul> </li> <li><b>대출 요건:</b> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li>금융기관(은행법에 따른 은행, 농협, 수협, 새마을금고, 신협 등)으로부터 차입한 전세자금대출일 것</li> <li>대출금이 국민주택규모(85m² 이하)의 주택 또는 주거용 오피스텔의 전세 보증금 또는 월세 보증금 충당 목적일 것</li> <li>대출 계약 서류상 임대차 계약서의 입주일과 전입신고일 중 빠른 날로부터 3개월 이내에 차입한 대출일 것</li> <li>대출금을 임대인 계좌로 직접 송금한 사실이 확인될 것</li> </ul> </li> <li><b>주택 요건:</b> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li>국민주택규모(전용면적 85m² 이하)의 주택 또는 주거용 오피스텔일 것</li> <li>전세 또는 월세 임대차 계약이 실제 존재할 것</li> <li>해당 주택에 실제로 전입하여 거주할 것</li> </ul> </li> </ul> <h2 id="section-3" data-ke-size="size26"> 공제 한도 및 적용률</h2> <p data-ke-size="size16">전세자금대출 소득공제는 무주택 세대주인 근로자가 상환한 원리금의 일정 비율을 소득공제합니다. 공제 한도는 다음과 같습니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g64a94a5b4f2c3a6e303d0c52767100227ee79094d806164422f52f90f7f66434637dc04bc677d1e63eb6d3f091c9c139a20f87fba77509390493d50746827cea_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gf330ebe4206678243ca08f0df0cccb9437c4254d9a416b12886bf5439582b49ec74887e825877d5df5715566d6390a720dfb2782531f43c11859e353bde75f3c_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g450e1491f9321234668affc26aaeb691ed2800cc9b9dcb6e923dc31bc5a6c7450f782ba5100dfb2ca3472044fbb08807f7776ae03460e00e320fb2ea3ecff2fa_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>공제 대상:</b> 전세자금대출 원리금 상환액의 40%</li> <li><b>공제 한도:</b> 연 400만원 (주택임차차입금 원리금 상환액 공제와 주택저당차입금 이자상환액 공제를 합산하여 연 400만원)</li> </ul> <blockquote data-ke-style="style1"> <p data-ke-size="size16">예시: 총급여 6천만원인 무주택 세대주가 연간 1,000만원의 전세자금대출 원리금을 상환하였다면, 1,000만원의 40%인 400만원을 소득공제 한도액 내에서 공제받을 수 있습니다. 만약 상환액이 800만원이라면 40%인 320만원이 공제됩니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g5a436d442f17cff44c21bea7ed4e290e00edcb0b3ef82f1874d4c160e08eee3aab753f5c1a25d5cf7872ad8660e03985_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge2a909b0d1f9118b3c3b7d6d8fd04579cf0bd23a62f15917bdde727d035cdc0aa658d0992815da855b90c1a7b576245fba2843eca8b936c57239d070c2665750_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g8567ce0f381a53234f407b57de61a2ffba1f0a5781421934926eac503f1319eee2417cf04967ffb6f7ba158b3dee47d0_640.jpg" /></div> </div> </blockquote> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 소득세법 제52조 (주택자금공제)</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.law.go.kr/LSW/lsInfoP.do?lsiSeq=278018&amp;ancYn=Y#0000" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <div style="text-align: center; margin: 30px 0;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 중간 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="6479636020" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <h2 id="section-4" data-ke-size="size26"> 필요 서류 및 제출 방법</h2> <p data-ke-size="size16">전세자금대출 소득공제를 신청하기 위해서는 다음의 서류를 준비하여 회사에 제출하거나 홈택스(HomeTax)를 통해 직접 등록하여야 합니다.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>주택자금상환증명서:</b> 대출을 받은 금융기관에서 발급받는 서류로, 해당 과세기간 동안 상환한 원리금 내역이 명시되어야 합니다.</li> <li><b>주민등록등본:</b> 무주택 세대주임을 증명하는 서류입니다.</li> <li><b>임대차계약증서 사본:</b> 확정일자가 찍힌 임대차계약서 사본이 필요합니다.</li> <li><b>건물등기부등본 또는 건축물대장등본:</b> 임차한 주택이 국민주택규모 이하임을 증명하는 서류입니다.</li> <li><b>대출금 통장 사본:</b> 대출금이 임대인 계좌로 직접 입금된 사실을 증빙할 수 있는 자료를 요구할 수 있습니다.</li> </ul> <p data-ke-size="size16">근로자는 연말정산 간소화 서비스에서 제공되는 자료를 활용하거나, 필요한 서류를 직접 발급받아 회사 연말정산 담당 부서에 제출합니다. 또한, 홈택스를 통해 직접 공제 내용을 입력하고 증빙 자료를 제출하는 방법도 가능합니다.</p> <h2 id="section-5" data-ke-size="size26">⚠️ 주요 개정 사항 및 유의사항</h2> <p data-ke-size="size16">2025년 연말정산 전세자금대출 소득공제와 관련하여 2024년 말까지 발표된 주요 세법 개정 사항은 현재까지는 현행 제도 유지 기조를 보이고 있습니다. 그러나 매년 세법 개정 가능성이 상존하므로, 연말정산 시점의 최신 세법 정보를 확인하는 것이 중요합니다. 유의사항은 다음과 같습니다.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>중복 공제 불가:</b> 주택청약종합저축 소득공제, 주택마련저축 소득공제 등 다른 주택 관련 소득공제와는 중복하여 공제받을 수 없습니다. (단, 일부 예외 규정 존재 가능)</li> <li><b>전입신고 필수:</b> 임차한 주택에 실제 거주하며 전입신고를 마쳐야 공제 대상에 해당합니다.</li> <li><b>세대주 요건:</b> 과세기간 종료일 현재 무주택 세대주여야 합니다. 만약 과세기간 중 주택을 취득한 경우 공제 대상에서 제외될 수 있습니다.</li> <li><b>대출 기간 확인:</b> 대출 실행일과 임대차 계약일 간의 기간 제한 등 세부 요건을 정확히 확인해야 합니다.</li> </ul> <p data-ke-size="size16">2025년 연말정산 전세자금대출 소득공제는 무주택 근로자에게 중요한 절세 기회를 제공합니다. 복잡해 보이는 요건과 한도를 정확히 이해하고 필요한 서류를 사전에 준비한다면, 효율적인 연말정산을 통해 세금 부담을 크게 줄일 수 있습니다. 본 가이드라인을 바탕으로 성공적인 연말정산을 준비하시길 바랍니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 소득세법 제52조 (주택자금공제)</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.law.go.kr/LSW/lsInfoP.do?lsiSeq=278018&amp;ancYn=Y#0000" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <div style="text-align: center; margin-top: 30px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 하단 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="2540391017" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> 밥챙겨주는사람 https://eatfirstblog.tistory.com/35 https://eatfirstblog.tistory.com/35#entry35comment Sat, 13 Dec 2025 07:05:14 +0900 https://eatfirstblog.tistory.com/34 <div style="text-align: center; margin-bottom: 30px;"><img style="max-width: 100%; height: auto; border-radius: 8px;" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAyAAAAMgCAYAAADbcAZoAAAQAElEQVR4AezdCbzs9fw/8M/cIlLahPBDlD1pkUIkrdRfipS0oJL2TRtJok37psXSKkkJkVYpVEqWJNImJa2UJPv/vKd7bufMnfnOPvNdnh6mM9/tszw/c8/5vr7bzPjf47f8z4uBz4DPgM+Az4DPgM+Az4DPgM+Az8AoPgMzkv8RIDAmAdUSIECAAAECBKonIIBUb8z1mAABAgQIECBAgMDYBASQsdGrmAABAgQIECBQPQE9JiCA+AwQIECAAAECBAgQIDAyAQFkZNSNFZkmQIAAAQIECBAgUD0BAaR6Y67HBAgQIECAAAECBMYmIICMjV7FBAgQIECgegJ6TIAAAQHEZ4AAAQIECBAgQIBA+QVy00MBJDdDoSEECBAgQIAAAQIEyi8ggJR/jPWwUcA0AQIECBAgQIDA2AQEkLHRq5gAAQLVE9BjAgQIECAggPgMECBAgAABAgTKL6CHBHIjIIDkZig0hAABAgQIECBAgED5BaoXQMo/pnpIgAABAgQIECBAILcCAkhuh0bDCJRPQI8IECBAgAABAgKIzwABAgQIECi/gB4SIEAgNwICSG6GQkMIECBAgAABAgTKJ6BHjQICSKOIaQIECBAgQIAAAQIEhiYggAyNVsGNAqYJECBAgAABAgQICCA+AwQIECi/gB4SIECAAIHcCAgguRkKDSFAgAABAgTKJ6BHBAg0CgggjSKmCRAgQIAAAQIECBAYmsDIAsjQeqBgAgQIECBAgAABAgQKIyCAFGaoNJRAzwI2JECAAAECBAjkRkAAyc1QaAgBAgQIlE9AjwgQIECgUUAAaRQxTYAAAQIECBAgUHwBPcitgACS26HRMAIECBAgQIAAAQLlExBAyjemjT0yTYAAAQIECBAgQCA3AgJIboZCQwgQKJ+AHhEgQIAAAQKNAgJIo4hpAgQIECBAoPgCekCAQG4FBJDcDo2GESBAgAABAgQIECieQLsWCyDthCwnQIAAAQIECBAgQGBgAgLIwCgVRKBRwDQBAgQIECBAgECjgADSKGKaAAECBIovoAcECBAgkFsBASS3Q6NhBAgQIECAAIHiCWgxgXYCAkg7IcsJECBAgAABAgQIEBiYgAAyMMrGgkwTIECAAAECBAgQINAoIIA0ipgmQKD4AnpAgAABAgQI5FZAAMnt0GgYAQIECBAonoAWEyBAoJ2AANJOyHICBAgQIECAAAEC+RcoTAsFkMIMlYYSIECAAAECBAgQKL6AAFL8MdSDRgHTBAgQIECAAAECuRUQQHI7NBpGgACB4gloMQECBAgQaCcggLQTspwAAQIECBAgkH8BLSRQGAEBpDBDpaEECBAgQIAAAQIEii9QvgBS/DHRAwIECBAgQIAAAQKlFRBASju0OkZg9AJqJECAAAECBAi0ExBA2glZToAAAQIE8i+ghQQIECiMgABSmKHSUAIECBAgQIAAgfwJaFG3AgJIt2LWJ0CAAAECBAgQIECgZwEBpGc6GzYKmCZAgAABAgQIECDQTkAAaSdkOQECBPIvoIUECBAgQKAwAgJIYYZKQwkQIECAAIH8CWgRAQLdCggg3YpZnwABAgQIECBAgACBngUGFkB6boENCRAgQIAAAQIECBCojIAAUpmh1tESC+gaAQIECBAgQKAwAgJIYYZKQwkQIEAgfwJaRIAAAQLdCggg3YpZnwABAgQIECBAYPwCWlBYAQGksEOn4QQIECBAgAABAgSKJyCAFG/MGltsmgABAgQIECBAgEBhBASQwgyVhhIgkD8BLSJAgAABAgS6FRBAuhWzPgECBAgQIDB+AS0gQKCwAgJIYYdOwwkQIECAAAECBAiMXqDfGgWQfgVtT4AAAQIECBAgQIBAxwICSMdUViTQKGCaAAECBAgQIECgWwEBpFsx6xMgQIDA+AW0gAABAgQKKyCAFHboNJwAAQIECBAgMHoBNRLoV0AA6VfQ9gQIECBAgAABAgQIdCwggHRM1biiaQIECBAgQIAAAQIEuhUQQLoVsz4BAuMX0AICBAgQIECgsAICSGGHTsMJECBAgMDoBdRIgACBfgUEkH4FbU+AAAECBAgQIEBg+AKlqUEAKc1Q6ggBAgQIECBAgACB/AsIIPkfIy1sFDBNgAABAgQIECBQWAEBpLBDp+EECBAYvYAaCRAgQIBAvwICSL+CtidAgAABAgQIDF9ADQRKIyCAlGYodYQAAQIECBAgQIBA/gWKF0Dyb6qFBAgQIECAAAECBAi0EBBAWsCYTYDA7ALmECBAgAABAgT6FRBA+hW0PQECBAgQGL6AGggQIFAaAQGkNEOpIwQIECBAgAABAoMXUOKgBQSQQYsqjwABAgQIECBAgACBlgICSEsaCxoFTBMgQIAAAQIECBDoV0AA6VfQ9gQIEBi+gBoIECBAgEBpBASQ0gyljhAgQIAAAQKDF1AiAQKDFhBABi2qPAIECBAgQIAAAQIEWgp0HEBalmABAQIECBAgQIAAAQIEOhQQQDqEshqBMQqomgABAgQIECBQGgEBpDRDqSMECBAgMHgBJRIgQIDAoAUEkEGLKo8AAQIECBAgQKB/ASWUVkAAKe3Q6hgBAgQIECBAgACB/AkIIPkbk8YWmSZAgAABAgQIECBQGgEBpDRDqSMECAxeQIkECBAgQIDAoAUEkEGLKo8AAQIECBDoX0AJBAiUVkAAKe3Q6hgBAgQIECBAgACB7gWGvYUAMmxh5RMgQIAAAQIECBAgMEtAAJlF4Q2BRgHTBAgQIECAAAECgxYQQAYtqjwCBAgQ6F9ACQQIECBQWgEBpLRDq2MECBAgQIAAge4FbEFg2AICyLCFlU+AAAECBAgQIECAwCwBAWQWReMb0wQIECBAgAABAgQIDFpAABm0qPIIEOhfQAkECBAgQIBAaQUEkNIOrY4RIECAAIHuBWxBgACBYQsIIMMWVj4BAgQIECBAgACB9gKVWUMAqcxQ6ygBAgQIECBAgACB8QsIIOMfAy1oFDBNgAABAgQIECBQWgEBpLRDq2MECBDoXsAWBAgQIEBg2AICyLCFlU+AAAECBAgQaC9gDQKVERBAKjPUOkqAAAECBAgQIEBg/AL5CyDjN9ECAgQIECBAgAABAgSGJCCADAlWsQSKKKDNBAgQIECAAIFhCwggwxZWPgECBAgQaC9gDQIECFRGQACpzFDrKAECBAgQIECAwOwC5oxaQAAZtbj6CBAgQIAAAQIECFRYQACp8OA3dt00AQIECBAgQIAAgWELCCDDFlY+AQIE2gtYgwABAgQIVEZAAKnMUOsoAQIECBAgMLuAOQQIjFpAABm1uPoIECBAgAABAgQIVFhgVgCpsIGuEyBAgAABAgQIECAwIgEBZETQqiGQIWARAQIECBAgQKAyAgJIZYZaRwkQIEBgdgFzCBAgQGDUAgLIqMXVR4AAAQIECBAgkBKDygoIIJUdeh0nQIAAAQIECBAgMHoBAWT05o01miZAgAABAgQIECBQGQEBpDJDraMECMwuYA4BAgQIECAwagEBZNTi6iNAgAABAgRSYkCAQGUFBJDKDr2OEyBAgAABAgQIVFFg3H0WQMY9AuonQIAAAQIECBAgUCEBAaRCg62rjQKmCRAgQIAAAQIERi0ggIxaXH0ECBAgkBIDAgQIEKisgABS2aHXcQIECBAgQKCKAvpMYNwCAsi4R0D9BAgQIECAAAECBCokUOEAUqFR1lUCBAgQIECAAAECOREQQHIyEJpBoFICOkuAAAECBAhUVkAAqezQ6zgBAgQIVFFAnwkQIDBuAQFk3COgfgIECBAgQIAAgSoI6ONMAQFkJoQfBAgQIECAAAECBAgMX0AAGb6xGhoFTBMgQIAAAQIECFRWQACp7NDrOAECVRTQZwIECBAgMG4BAWTcI6B+AgQIECBAoAoC+kiAwEwBAWQmhB8ECBAgQIAAAQIECAxfYPQBZPh9UgMBAgQIECBAgAABAjkVEEByOjCaRWAYAsokQIAAAQIECIxbQAAZ9wionwABAgSqIKCPBAgQIDBTQACZCeEHAQIECBAgQIBAGQX0KW8CAkjeRkR7CBAgQIAAAQIECJRYQAAp8eA2ds00AQIECBAgQIAAgXELCCDjHgH1EyBQBQF9JECAAAECBGYKCCAzIfwgQIAAAQIEyiigTwQI5E1AAMnbiGgPAQIECBAgQIAAgTIItOiDANICxmwCBAgQIECAAAECBAYvIIAM3lSJBBoFTBMgQIAAAQIECMwUEEBmQvhBgAABAmUU0CcCBAgQyJuAAJK3EdEeAgQIECBAgEAZBPSBQAsBAaQFjNkECBAgQIAAAQIECAxeQAAZvGljiaYJECBAgAABAgQIEJgpIIDMhPCDAIEyCugTAQIECBAgkDcBASRvI6I9BAgQIECgDAL6QIAAgRYCAkgLGLMJECBAgAABAgQIFFEg720WQPI+QtpHgAABAgQIECBAoEQCAkiJBlNXGgVMEyBAgAABAgQI5E1AAMnbiGgPAQIEyiCgDwQIECBAoIWAANICxmwCBAgQIECAQBEFtJlA3gUEkLyPkPYRIECAAAECBAgQKJFAiQNIiUZJVwgQIECAAAECBAiUREAAKclA6gaBXAloDAECBAgQIECghYAA0gLGbAIECBAgUEQBbSZAgEDeBQSQvI+Q9hEgQIAAAQIECBRBQBs7FBBAOoSyGgECBAgQIECAAAEC/QsIIP0bKqFRwDQBAgQIECBAgACBFgICSAsYswkQIFBEAW0mQIAAAQJ5FxBA8j5C2keAAAECBAgUQUAbCRDoUEAA6RDKagQIECBAgAABAgQI9C8w+ADSf5uUQIAAAQIECBAgQIBASQUEkJIOrG5VU0CvCRAgQIAAAQJ5FxBA8j5C2keAAAECRRDQRgIECBDoUEAA6RDKagQIECBAgAABAnkU0KaiCQggRRsx7SVAgAABAgQIECBQYAEBpMCD19h00wQIECBAgAABAgTyLiCA5H2EtI8AgSIIaCMBAgQIECDQoYAA0iGU1QgQIECAAIE8CmgTAQJFExBAijZi2kuAAAECBAgQIEAgDwI9tkEA6RHOZgQIECBAgAABAgQIdC8ggHRvZgsCjQKmCRAgQIAAAQIEOhQQQDqEshoBAgQI5FFAmwgQIECgaAICSNFGTHsJECBAgAABAnkQ0AYCPQoIID3C2YwAAQIECBAgQIAAge4FBJDuzRq3ME2AAAECBAgQIECAQIcCAkiHUFYjQCCPAtpEgAABAgQIFE1AACnaiGkvAQIECBDIg4A2ECBAoEcBAaRHOJsRIECAAAECBAgQGIdA0esUQIo+gtpPgAABAgQIECBAoEACAkiBBktTGwVMEyBAgAABAgQIFE1AACnaiGkvAQIE8iCgDQQIECBAoEcBAaRHOJsRIECAAAECBMYhoE4CRRcQQIo+gtpPgAABAgQIECBAoEACBQ4gBVLWVAIECBAgQIAAAQIE6gICSJ3BfwgQ6ErAygQIqvutKwAAEABJREFUECBAgACBHgUEkB7hbEaAAAECBMYhoE4CBAgUXUAAKfoIaj8BAgQIECBAgMAoBNQxIAEBZECQiiFAgAABAgQIECBAoL2AANLeyBqNAqYJECBAgAABAgQI9CgggPQIZzMCBAiMQ0CdBAgQIECg6AICSNFHUPsJECBAgACBUQiogwCBAQkIIAOCVAwBAgQIECBAgAABAu0Fug8g7cu0BgECBAgQIECAAAECBJoKCCBNWcwkkE8BrSJAgAABAgQIFF1AACn6CGo/AQIECIxCQB0ECBAgMCABAWRAkIohQIAAAQIECBAYhoAyyyYggJRtRPWHAAECBAgQIECAQI4FBJAcD05j00wTIECAAAECBAgQKLqAAFL0EdR+AgRGIaAOAgQIECBAYEACAsiAIBVDgAABAgQIDENAmQQIlE1AACnbiOoPAQIECBAgQIAAgUEIDKkMAWRIsIolQIAAAQIECBAgQGB2AQFkdhNzCDQKmCZAgAABAgQIEBiQgAAyIEjFECBAgMAwBJRJgAABAmUTEEDKNqL6Q4AAAQIECBAYhIAyCAxJQAAZEqxiCRAgQIAAAQIECBCYXUAAmd2kcY5pAgQIECBAgAABAgQGJCCADAhSMQQIDENAmQQIECBAgEDZBASQso2o/hAgQIAAgUEIKIMAAQJDEhBAhgSrWAIECBAgQIAAAQK9CJR9GwGk7COsfwQIECBAgAABAgRyJCCA5GgwNKVRwDQBAgQIECBAgEDZBASQso2o/hAgQGAQAsogQIAAAQJDEhBAhgSrWAIECBAgQIBALwK2IVB2AQGk7COsfwQIECBAgAABAgRyJJDjAJIjJU0hQIAAAQIECBAgQGAgAgLIQBgVQqBkArpDgAABAgQIEBiSgAAyJFjFEiBAgACBXgRsQ4AAgbILCCBlH2H9I0CAAAECBAgQ6ETAOiMSEEBGBK0aAgQIECBAgAABAgRSEkB8CmYXMIcAAQIECBAgQIDAkAQEkCHBKpYAAQK9CNiGAAECBAiUXUAAKfsI6x8BAgQIECDQiYB1CBAYkYAAMiJo1RAgQIAAAQIECBAg0OweECoECBAgQIAAAQIECBAYkoAzIEOCVSyBXgRsQ4AAAQIECBAou4AAUvYR1j8CBAgQ6ETAOgQIECAwIgEBZETQqiFAgAABAgQIEGgmYF7VBASQqo24/hIgQIAAAQIECBAYo4AAMkb8xqpNEyBAgAABAgQIECi7gABS9hHWPwIEOhGwDgECBAgQIDAiAQFkRNCqIUCAAAECBJoJmEeAQNUEBJCqjbj+EiBAgAABAgQIEAiBMb0EkDHBq5YAAQIECBAgQIBAFQUEkCqOuj43CpgmQIAAAQIECBAYkYAAMiJo1RAgQIBAMwHzCBAgQKBqAgJI1UZcfwkQIECAAAECIeBFYEwCAsiY4FVLgAABAgQIECBAoIoCAkhKVRx3fSZAgAABAgQIECAwFgEBZCzsKiVA4AkB/yVAgAABAgSqJiCAVG3E9ZcAAQIECISAFwECBMYkIICMCV61BAgQIECAAAEC1RSoeq8FkKp/AvSfAAECBAgQIECAwAgFBJARYquqUcA0AQIECBAgQIBA1QQEkKqNuP4SIEAgBLwIECBAgMCYBASQMcGrlgABAgQIEKimgF4TqLqAAFL1T4D+EyBAgAABAgQIEBihwBgDyAh7qSoCBAgQIECAAAECBHIhIIDkYhg0gsCIBVRHgAABAgQIEBiTgAAyJnjVEiBAgEA1BfSaAAECVRcQQKr+CdB/AgQIECBAgEA1BPQyJwICSE4GQjMIECBAgAABAgQIVEFAAKnCKDf20TQBAgQIECBAgACBMQkIIGOCVy0BAtUU0GsCBAgQIFB1AQGk6p8A/SdAgAABAtUQ0EsCBHIiIIDkZCA0gwABAgQIECBAgEA5Bab3SgCZ7mGKAAECBAgQIECAAIEhCgggQ8RVNIFGAdMECBAgQIAAgaoLCCBV/wToPwECBKohoJcECBAgkBMBASQnA6EZBAgQIECAAIFyCugVgekCAsh0D1MECBAgQIAAAQIECAxRQAAZIm5j0aYJECBAgAABAgQIVF1AAKn6J0D/CVRDQC8JECBAgACBnAgIIDkZCM0gQIAAAQLlFNArAgQITBcQQKZ7mCJAgAABAgQIECBQDoGc9kIAyenAaBYBAgQIECBAgACBMgoIIGUcVX1qFDBNgAABAgQIECCQEwEBJCcDoRkECBAop4BeESBAgACB6QICyHQPUwQIECBAgACBcgjoBYGcCgggOR0YzSJAgAABAgQIECBQRoEqBJAyjps+ESBAgAABAgQIECikgABSyGHTaAJFEdBOAgQIECBAgMB0AQFkuocpAgQIECBQDgG9IECAQE4FBJCcDoxmESBAgAABAgQIFFNAq7MFBJBsH0sJECBAgAABAgQIEBiggAAyQExFNQqYJkCAAAECBAgQIDBdQACZ7mGKAAEC5RDQCwIECBAgkFMBASSnA6NZBAgQIECAQDEFtJoAgWwBASTbx1ICBAgQIECAAAECBAYoMMQAMsBWKooAAQIECBAgQIAAgVIICCClGEadINAgYJIAAQIECBAgkFMBASSnA6NZBAgQIFBMAa0mQIAAgWwBASTbx1ICBAgQIECAAIFiCGhlQQQEkIIMlGYSIECAAAECBAgQKIOAAFKGUWzsg2kCBAgQIECAAAECORUQQHI6MJpFgEAxBbSaAAECBAgQyBYQQLJ9LCVAgAABAgSKIaCVBAgUREAAKchAaSYBAgQIECBAgACBfAp01yoBpDsvaxMgQIAAAQIECBAg0IeAANIHnk0JNAqYJkCAAAECBAgQyBYQQLJ9LCVAgACBYghoJQECBAgUREAAKchAaSYBAgQIECBAIJ8CWkWgOwEBpDsvaxMgQIAAAQIECBAg0IeAANIHXuOmpgkQIECAAAECBAgQyBYQQLJ9LCVAoBgCWkmAAAECBAgUREAAKchAaSYBAgQIEMingFYRIECgOwEBpDsvaxMgQIAAAQIECBDIh0BBWyGAFHTgNJsAAQIECBAgQIBAEQUEkCKOmjY3CpgmQIAAAQIECBAoiIAAUpCB0kwCBAjkU0CrCBAgQIBAdwICSHde1iZAgAABAgQI5ENAKwgUVEAAKejAaTYBAgQIECBAgACBIgqUIYAU0V2bCRAgQIAAAQIECFRSQACp5LDrNIFBCSiHAAECBAgQINCdgADSnZe1CRAgQIBAPgS0ggABAgUVEEAKOnCaTYAAAQIECBAgMB4BtfYnIID052drAgQIECBAgAABAgS6EBBAusCyaqOAaQIECBAgQIAAAQLdCQgg3XlZmwABAvkQ0AoCBAgQIFBQAQGkoAOn2QQIECBAgMB4BNRKgEB/AgJIf362JkCAAAECBAgQIECgC4E+AkgXtViVAAECBAgQIECAAAECEwICyASC/xMonIAGEyBAgAABAgQKKiCAFHTgNJsAAQIExiOgVgIECBDoT0AA6c/P1gQIECBAgAABAqMRUEtJBASQkgykbhAgQIAAAQIECBAogoAAUoRRamyjaQIECBAgQIAAAQIFFRBACjpwmk2AwHgE1EqAAAECBAj0JyCA9OdnawIECBAgQGA0AmohQKAkAgJISQZSNwgQIECAAAECBAgMR2CwpQogg/VUGgECBAgQIECAAAECGQICSAaORQQaBUwTIECAAAECBAj0JyCA9OdnawIECBAYjYBaCBAgQKAkAgJISQZSNwgQIECAAAECwxFQKoHBCgggg/VUGgECBAgQIECAAAECGQICSAZO4yLTBAgQIECAAAECBAj0JyCA9OdnawIERiOgFgIECBAgQKAkAgJISQZSNwgQIECAwHAElEqAAIHBCgggg/VUGgECBAgQIECAAIHBCJS0FAGkpAOrWwQIECBAgAABAgTyKCCA5HFUtKlRwDQBAgQIECBAgEBJBASQkgykbhAgQGA4AkolQIAAAQKDFRBABuupNAIECBAgQIDAYASUQqCkAgJISQdWtwgQIECAAAECBAjkUaAIASSPbtpEgAABAgQIECBAgEAPAgJID2g2IVAdAT0lQIAAAQIECAxWQAAZrKfSCBAgQIDAYASUQoAAgZIKCCAlHVjdIkCAAAECBAgQ6E3AVsMVEECG66t0AgQIECBAgAABAgSmCAggUzC8bRQwTYAAAQIECBAgQGCwAgLIYD2VRoAAgcEIKIUAAQIECJRUQAAp6cDqFgECBAgQINCbgK0IEBiugAAyXF+lEyBAgAABAgQIECAwRSAjgExZy1sCBAgQIECAAAECBAgMQEAAGQCiIggMXECBBAgQIECAAIGSCgggJR1Y3SJAgACB3gRsRYAAAQLDFRBAhuurdAIECBAgQIAAgc4ErFURAQGkIgOtmwQIECBAgAABAgTyICCA5GEUGttgmgABAgQIECBAgEBJBQSQkg6sbhEg0JuArQgQIECAAIHhCgggw/VVOgECBAgQINCZgLUIEKiIgABSkYHWTQIECBAgQIAAAQLNBUY7VwAZrbfaCBAgQIAAAQIECFRaQACp9PDrfKOAaQIECBAgQIAAgeEKCCDD9VU6AQIECHQmYC0CBAgQqIiAAFKRgdZNAgQIECBAgEBzAXMJjFZAABmtt9oIECBAgAABAgQIVFpAAJky/N4SIECAAAECBAgQIDBcAQFkuL5KJ0CgM4GRrvW3xx5P9z3wl5avWD7SBvVZ2X/++9/04EOPtOxPLIt1+qxm7JtHH6IvrcYulsU6Y29oFw2Iz1qr/sT8WN5FcblZ9fIf/SLtud8XWr5ieW4aO8aGxPjGODd7PfDgw+nf//7PGFunagLDExBAhmerZAIEcipw6lkXp+VW3ablK5bntOlNmxU73mtv9ImW/YllsU7TjQs0M/oQfWk1drEs1ilQl1J81lr1J+bH8uH3Z/A13HTznenMc7/f8hXLB1/r+Ev8xz//1fJAQLNAEeMb49zsteJaO6Wbfnfn+DulBQSGICCADAFVkQQIECBAgED1BK68+oaWBwIEiup9HjrqcUVXEkAqOvC6TYBA/wJ3/fH+tO/Bp7a8zCTrEpRul/36t7/vv8FKIECAAAECORAQQHIwCJqQEFRY4H//+1+KHfmTTvtu2mKnw9IKa26flnzrlunFS21U//mWtXdKO+x1bPrOxdekvz76WK6k/vzwo+mr37i85WUmWZegdLvsj/c+OPK+73fo6fXxiDEZ1WuN9fdIv7nlDyPva6sKH/v7P9K2exyd6fDDa37VavNCzf/LxOf54st/mr57yU/6fv2mzaVDsXwQ9UR7o93toCPAdxv6O1m/bPeyXHLF9fXfvfH7t9nrlSt8KN1w0+3tuC0n0FZAAGlLVO0VHvnrY9OuZ43rq8d9k2fjNbbRxlGPUuw0x87n1BsHYzrmj7otRa0vbq789oVXpZXetUt68zt3TJ897IwUOxP3/OnB9PAjf6t3K37eedd96R3f3g4AABAASURBVJsX/Dhts9tRaYkVt0ibbntw+t1td9eX+88gBFqX8Ze/PJpiPEb5+v0f7kv/+te/WzdqxEvi3/T9Dzyc6fD4P/454lYNp7o/TJzR237PY9PWHzuy71f8m81qZSwfRD3R3mh3Vl2xLAJ8t6G/k/XLei9LmHkRGKaAADJM3YKVHX9o40j04Z8/J632nt3rR0Fe+5Yt0tSb45Z5+0fTS5fZOMXPj3/2S/UdwdhumF2NwPPTX9xcPwr5qjd+KL38DZtNa1O0cbHXb5I22eagFEdvYsd20O2JNsRR2bjc5k3v2CEtuvQH0lIrfWRaO2I65sfyQ449u77DMqh2xBG+2DkfxBHDZmXccvtod+iv+elN6e3rfixtt8cx6fd/uLcrph/86Bdp1fV2S/scdEp69G9/72pbKxMgUC6BBeafJz1n4QWK2yktJ1BRgRkV7bduTxGIAPHzG25J6276qfqR6CNPPDfdfOtdU9aY/W2cCTnj65fWdwRXmdgZ/PFPbkxRzuxr9j4nyotyIwytt9m+6fwLr05xOUSzEiN0XPHjX6bNdzi0vmMb28X2zdbtZl4Ej9jxjzas8d490pfPvDDdfc8DmUXE8mO+cF6KS1bevck+9ZCWuUEHC3/1mzvSljsf3vdRyVZHHC++/PoOWtH/KuH55a98L2245We7Dh6NtZ/y1YvSuzb+ZBp1eGpsh2kCBAgQIECgO4E8BJDuWmztgQrEEeRdP3lCWmdiR/lnEyGkl8Jvvf2P6f0f2T997FMntgwI3ZYblzR85rAz6uVG+d1sH0fUB9Gee+59KG2y9YH1+xK6bcNke8M0jtYffdJ5fT3PPTwGEagm2zWOnxE+Tjj5/LTv505L//3v/wbShBiX9T+0XzrtaxfXr1n/9oVXpQOOOLPtTeHfvfiagdSvEAIECJRJ4NFHnVUu03jmuS8CSJ5HZ8ht+8WNt6VV37N7Ouf8KwdS09e/dUXabNuD0v0P/qWv8uJG450/8fn0xdMv6KucaM9HP3Zk1zcux47+JT+4Pq28zq7pR9fc2FcbJjc+9LizBxrQJsvt/+foSvjqud9PBx991sArfOgvf017H3By/exQXNJ1winnt70pfFQ3Ub7geQunDdd9W0evJV656MBtFEiAAIFuBOLAW9b68fdxUAeQsuqxrPwCAkj5x3i2HsYvkHii0HqbfWqg9ylERT+5/rdpx48f1/VOf2wbr7iUav/Dv1I/mh3T/b7ifoEoL8rtpKz6UfpTvpM23/HQ9PfH/9HJJh2v843v/DDtd8hpPZ0Jue++P3dcTx5XvPE3d6SDjvpqHps21Da9YelXpAP23ryj1ztWfcNQ29JL4Ruvv0o67nM7dPRabumXZ1ax1WZrdVTOUQdsk/5vIrhlFlaWhTnrxwLzzZM2ePdKHQXmToP1sNd715pvTE+b66l9S873zGekRZ67UNevZ847d99156mAO+78U2Zz4mx8PJQicyULCXQgIIB0gFSmVSJ8nPPtK9N2exzd045wJxZx1uC0r13S0z0hZ533xCNNO6mn03XiSSZx70a79SOkHH3iN9KBR57ZbtWel8cjW7936bVdb//wXx/repu8bBCux33pW6nd08piJ+JD718jXXj2Qem315yc7vjZGemXV5yUTjl2t7TUEovlpTuFbMf9Dz5cf8pYq8eKxiNKm3XsdRPu71hludTutdKblkxPecqczYqYNe+Fz39223KinlVXWibNP7EjPGtDb0YmEGfs9tltk44Cc6fBetjr7b79BmkQIeDQ/bZKV11wVNevjd7z9pGNz7Ar+tvfHk+3/f6ettWM6gxy24b0uYLNxysggIzXf+S1xy+OuFylk1OoM2bU0nOfvcCsI0JzP32ujtt7/MnfTjffenfH68eKd/zh3nTkCefG28zXnHPOkWInZcN135bWWm35jo5+fX5iB/jmNjfWX/KD69MRHdQfjYs2TD1aFtMxv90rAuDhJ5yTHpjYIWy3blmW//LXt6WLLv9pZndWfesy6crvHJ4++bGN08sXe0Ga66lPqa8fOxZvfeOS6dxTPpW+cMQu6elP6/wzWC/Af+oC8VjbeOxphPFmrz/2+R0jUf5f/5p97fjdf3qw3pai/Sce+/3Qnx/JbPYdv88+apy5ccEX/u2xx9MvfnVr/T6sCLhxP2E8gGPplT9af5Jis++SiHnxXT+x3prv2zPttu+J6fiTz09XX3dTanegouBcuW7+Xfc8kH7bwXfwXPfzm1OMe647o3G5FxBAcj9Eg21gXGe+356bpQgXKTUv+0X/95x04mE7pZuvOSVdfeExs44I3fijL6aLzzk4ve3Nr2u+4ZS58UfkjK93fhYkdsxP/epF9e8cmVLMbG/XW2vF9PPLT0gnHb5z/SjdMQdtl37+gxPSTh99z2zrTp3x0F/+Wr+n5N//+c/U2dPer/LWpdOOH1l32rzGiSVf/ZJ0zsn71I/QTz1aFkfsY/6rXv6ixk1mm7719j/Wv1RvtgUZM+69v7iXYH3re1dlfq/Dm97w6nTYZ7ZKCy80f0uBWq2WYnxivazPbssCLBiqQHxfyz33PZRZR5xliZ35zJVyuDBuyv3LzO+ladW82HFrtaxs8+N3dXwPTzyGPR7H/uo3fbj+NLo4sBXhNp6oGJfotAtt9c/MRCiN79H42nk/qJ953mCLz6R4rHo8bj2+/PG6iR3dOINaNsO89ufq637dUQD85Y23dXSmJK/91K58CAgg+RiHkbWiVqul9dZeMR28z5ZNQ8iWm7wzXXj2gWm1ty2bGo/q12q1tPhLnl/f+d9i43e0bfOlV/ws3Xt/Zzek//6u+9L5F12dWeaGE2c8DtpnizTPM54+bb24dGf7LdZJe+yw4bT5jRMXXPqTdOvtrU8vR3+33XydpiEklu2z2ybp3FP3Tcss+bI0x4zp/3TmmDGjPv+sL3yifplJY92N09+95CddHUH6a5tLsL5w5C4pLlnq9fXRD67d2MSBTMdOxvW/+F3Lshacf960z8c2SfPOM3fLdaYuWGPl16fNNlh96qzZ3seZuqlnp5q9j3Vm23DUM0pUX5xdvP+B7H/r8Sjpe9vcy3TG1y+tP746jow3e6214cfTHyd2WkdJd+fd97U9Y/m72+5KrR4RPsq2DrOuuD/u4okzmfHY9XiyX4xVPI59GHWG5fkXXp3e88F903KrbZsioMS9B8Ooa5RlRh/iiYhxpmjylZcn8v354UfTuR0+kCbuj7zo+9f1dJn1KL3VlW+B6XtR+W6r1g1IoFZ7IoQctf+2s0JI7GAfe/D2ac8dN2x7SVOsu+NW66U3LPPKzBbFjsItHX7B3QUTO+T3ZezAvHjirMz2W7x7tlA02YBarZY2Xn+VzDbFWZkLLrlmcpOmP6Nv22357rTbdu+btTx2kr/2xb3TBzdcfbbgMWulmW9iR3rvXT6QXjzR3pmzmv6I09z39HnZS9OCczbz/gf/kmIHrlWzVn7LUvVQ22p54/xarZbe9+63ZV7zvebbl5t11m7qWaqp77eb+Cw1lm26d4EfXvOrthtHQPnFjbdmrhf/RuPoeatX1u+IzIL7WHjDr29vu6N18613tw0pfTRh7JvGkwl32OvYvh5J3msn4kxKXKL1/i33T/fcm32WrZs6Gtc95cyL2j6+ezI0TP6MB2vEZ7axrFbTcfYodtzjTNHkKy6LbrX+KOdf/sNfpHgyZqd1nvWNy1McOOx0fesRaBQQQBpFKjJdq9XSWqsvn447eIe00ILPTCcetnN656pvSLVarSOBZ8z9tLT1h9bOXD9+2cYf73YFxh+3CyeOpmSt98H3r1G/FyVrnWjTB9779qxV6pc+xeVYWSvNMWNGijMCH995oxQ3ZZ5+/J5p6dcunrXJtGVxxD3aO21mw8RfJo42xT0vDbObTsZlK1ltfvrT5krPWXiBptuOe+afJo54x1mQVu148xtek/kZarbdC573rPTKl7W+1C0uh3F9chrZ/x548OF05dU3dFTf2d+6IsVR4I5WzsFK0darrvt125ZEuLr+l63P9LUtIGOFx/7+eP3S1Ahfja84ah2/ZzM273tR/H7eatcj6l8E23dhfRQQvu/f8rNtvwi21yriMzwZCjr9GfdVxWek1zrzst1df7w/HX7817tqTnwWTzrtOynrsuauCrRylQTqfRVA6gzV/c8ab399+vEFR6WVV2x/X0ej0ssXe2F63nMXapw9bfqW29rfiB474r/93R+mbTd1Im5EXn7ZV02d1fL9616zWP3G+VYr3P77P6Vbb/9jq8Wz5tdqtbT5B9ZM3z/vkNTJfR2zNpz5ZuklF297w/TvJo6azlw980dcA/3Y3//Rcp0Zc9TSnHPM0XL5OBfEH+dWO0jR5ucv8qyumxdB8wU9bNd1RSXb4NnPmr8e4iMgN77iMsZeuxs76J38m4ryr7r21+mXE2cU4n0RXr+b+P117fW/7aip537nh0MJV3HJznKrbpOavbba5YihX/oV93DFkw07QYhLG+PJaXG57A5brpuyHuEcl8zGenEP2IILPLOT4tPtd/6pfi9fq98pHRVipWkC8ffl2C9+M915133T5ncyceY5l6WLL89+wEgn5VinmgICSDXHfVqvJ584NG1mBxPzzvP0+hmCDlbNXOWGG2/L/M6NONodR70zC5m5cJHnLpiWWqL12Yo4WnPdz2+euXb2j1qt1vbRoq1KiDMSC8w/T6vFKQ1wyXzzPqN+FmuARY6kqHhs69Oe1v/z+0fS2IJXEgcKzj/zsy0vTYszUb10MY7Af+G073a8aTwtKx51XYQzVLGT+43zf5j5u2lqx384cRbo2p91Flambpfn93Hg47ttLludMaOW4pLc6y45Lv36x19K5526b/0BITt9dL36/XDxaOVmr602W6u+3hnH75Wuv+zz6YYrT0r77r5py8tsJ50uueL6NKx7TybrqMrP+Ix/4fQL6l/c2kuf42maBx911tDOSvXSJtsUR2BGcZqqpXkTGMSR6PgFeM31v8ns2rKve1mKujJXmrkwjqq/9tUvmTnV/Ec8wSOCSPOlg5kb7f2/5z97IIXVL8HKeAxo1BX3rgykshEWEjujjz/+zxHWqKpBC3z34mu6um486o9LXXr9nqDYfhCvTsqIsx/nffdHnaxaXyd2xo4+6RspLlmqzyjBfx79299TnDXO6ko8uGSHLd+dnrXQfFmrtV0W989tusFqKe6hy1r5/gceTu2euJa1vWVPCnzvsmvTwUd/9ckZTd7F39+sM1RxVuqjux451PtzmjTLrBIICCAlGMRxdSF24uMIWT/1P/bYP9o+1SYeHdxNHYu/9PmZq99y+92pmxsHMwtrsTBOa/8947KpFps1nR1lZR0xjj8OvZ7FalrhAGfG2ZkIhc2KjM/P3fc80GxR5rz4sqysG9vnnHNG1/eVZFbYx8Jvfu/HmU91mvqkp9h57aOqkW9642/uSHETbi+i994iAAAQAElEQVQVx05P7Pw0bvvKl70w81u441uv48xZ43aDno5/cyee+p2Ude9Vszp/cv1vUxHCVbO29zqv378BU+uNA1IPPPTw1Fmzvc/zJaezNbbJjPh9vchzF0qTr7hsrclqQ50VzvGUsW12OypFcG5V2YLzz5v2/8SH6/dEtlon5v/y17elj+x8eKchJDbxIpBmMCDQq8A//vGvtn+g55137sziH3n0sfSHu1tfexrXpscv6sxCGhbG5U9xY3bD7FmT9z/4cIonq8yaMYQ3cdai3R/S+drYdNqs+CMx11xP6XT1ka4XY7HAAvO2rDMe1RxBpOUKTRbcduc96Vc33dFkyROzXrDIwmkcf9SfqH36f2NHttUTnRrnD3JHbnorBj8VR/n3P+IrmUH+Bc9buGXFsdOz+74npcanZ630piXrl+UcsPfmTX/GgyEW7vNIe8tGTVnwvUuvTed8+8opczp/e8ixX0vNwlXnJeRnzfme+Yz08sX+L7NBp551cdp+z2PTb275Q4pH9Wau3GJh7BDHjdCfOODLKe55abFaffbznrNQes6zB//Qja02WyvznpXG+1niu7LOPOnjXV3+Gn+XTjl2t2mXQo76iXwxRiefeWHafq9jMsNHYG+56Vr1pxRu8O6V0nJLvzxmtXxFCHnf5vulOMDXciULCEwREECmYIzsbUkqevChR9p+GdHLXpJ9NuKBiaNdDz/yWEuRuEfgGXPP1XJ5swXPWnC+NN8zWwefeCpTPJ2p2baDmvf7P9yb7ru/9fci1Gq19MI2j+qdbMsjf/1b5o2m9Z3t/6X0sxtuSQcccWZaZ5N90uSR9TXft2fa6zNfTN/4zo9SfJlh/KGfLHcUP+MJay950SItq7rkB9enX3VxU3KEldO/dknmdflnnXd5evFSG2W+ej1y37IjFVoQ4SPCQ9aNyc+d2EE8+sBt08te+oKWMnEWcrNtD64/mW7Un8uWjZpY8Itf3Zr2+uwXWz56t1arpVcs/sKJNZv/P8LVzp84Pl125c+br1CguXFm9f+t8ca2Lf72hVelNd67R3rpMhunuFl+o632rz/S9hP7fznFv8fvXvKTNPmKy9o+dfCp9eVb7HRYWn71bdNLl904vfmdO6Yzzr60bV3xtMY46NJ2xS5XWHapl2fes9J4H0t8V9aLXvCcto9m77IZQ109nr64/R7HpH0/d1rb8BEPB9joPSvXzybH5XEf32mjzMefR8PjRvY11t+z/r0tEXRinheBVgIzWi0wn0A7gZtvvSvd/0Drney49GbxjB2QKP/BiRATX2oU75u9Yuf6mfM+o9milvPmmGNGmjGj9Uc7dnbi6UwtCxjAgut+fnPm4wnjeukXdniPyN8f/2eKs02tmhWPMH7NmzdP754IHieccn6a/CbiOMIe3zL8lXMuSzt94rj0htW2TSu9a5d0zvlXpmH3f7KtcX/KCsu2/r6YGPvPTRwxjp3ayW2yfsYTV87+1g+yVmm7zAq9C8QOzDa7HVXfmcwqZdMNVk9LLbFYiu/uqdVaP9o7zhBFeXsfcHKK+w2yyhzFsjiK+8HtPpd5ZmfFFZZIxx28fcr6rp/4XG+582H1f2vx+6aftsdlZ41H3yend9pqvTTss59rr758/bK4TvsQj2eNcBqPsj397EtShNWtP3Zkmnzt+PHjUhyBj+Xx7zkOBkVo66T82Cn+8AfW7GRV60wRiDDwre/9uB7yvnPxNVOWNH+76Aufmw7eZ8sUwWNyjSVf89J00D5bTPxtbf3vOdaNf9O77XtiWnfi71HcRxXzvAg0E2i9l9ZsbfMIzBSIP6rtLjNY9EXPTS9d9Hkzt2j+I45oN1/yxNw555wjzcjYgXliren/jaN2cRZk+tzpU50+Anf6Vp1Nxf0al//oF5krv+YVLx7YZQSx49ZpoIgzM7vsfXx669o7p7gZOMYxs6EDWLjmKm/IPHIWOysbfeSAFJdgtKou/oB++SvfS7Gz2unOSquyzO9NIC6tWO+D+6Yrrsr+zo8467H+u95aryQe873e2ivW32f9J3ZUl199uxQ7STHWWesOa1lcDvaBrQ7IvKx0xoxa2mLjd6SXvHiRtMUm78xsSuyIxb+1fsNVnG1pPPo+Ob38RLiPAz2ZDelzYfwO3nvXjdPG66/aZ0n1zXv+T5z5OPag7dPUneKeC6vIhvEZjC8+XHmdXeuXycXfinZdf+a8c6cjPrt1avaI9DVWfn3abbsN2hVRXx5farjqerulj+xyeLrtjnvq8/yHwFSBGVMnvCfQqUAc2bjsip9lrr7C61+VFpgv+1G07YLAIs9ZKD396d1dghV/MLvdJrMjXS6ML8y69me/ydwqrnWPoJS50syFcclYpwFj5iZtf8TlWBt/9MB0winf6fm67baVzFzhZS99fnrP2m+ZOdX8Rxx5fsvaO6XYYYsdwTiKGq877vxTOv7k89OK79yxo8sGmpdubj8C8dmLMYhLK25t8x06sYO+23bvm3VdfPxbjKP0cUS1XRti52j7PY+tj/XXv3VFGtU9MdG/I0/8RorwEZeFZbVzw/VWTvF7LdZZb+0V09vfslS8zXxNhqu49Ch2CDNXzunCOBP96T02TfGI3TizNcpmxkGskw7fOR114LZp/jZ/T4bRrvhMxO+ie+59KF05Eb7jUrLDP39O/XfVyu/eNb3qjR9K79v8MykOPA2j/m7LjINKcTDnM4edkV4zcWZ8y50PT3HgqZNy4h6VIz67TYqzHc3Wr9Vq9e/HihDebHmzeRdedl0Kp3d9YO/65Zadnu1uVpZ5/Qrka3sBJF/jUYjWxC+4uOY36wkxT3nKnGmdd7ypfv1oITo1oEbGDsZXz/1+5vW1cX38yiu233GZbFLsIIX55PQgfx545JnppFO/2/J690HUVavVUlw20W4nNM5sxOVhsSMY15HHKy4Zizb+8U8PDqIpAy/j/563cDrqgG3S5CUxw/z5mlcsOvD2ZxUYAeCs8y5Pb1xzhxRjEJ/trPVj2W4TR0cbd8rjSOqRE0YLzt/6YQSx7eQrxnrXfU5Inzzw5NRJnZPbdfszzrRcfPlP0+rv3SMd/vmvt908doS3/fA6s77082lzPTV9eo/NUrvPdRQc4WrHjx+Xlltt23qgju9PiflFetVqtRRfMviNU/et30QdXyQYZ7uG0Yf4zMRN4d8/75B0yTkHp1VXWmbo91psvsOhTe8be+1btkjxu2iFNbZLG299YP1SsiNPPDfF76o4sh//TuKhJvHgkXYWcW9iu7PzU8voZP342xAHlOLSql0+eXxa8q1b1i+1+sJp303xt2NqeVnv48zHSUfs3PZLieecc460x44bphj/rPIal8UZkW12OyotseIW9UDyuWO+lq6+7qaUl+DW2F7TwxcQQIZvXLoa4uxHu5sF4yhhL98gPmysyfLjyPrk+0H+vOq6X6cLLv1JZpFx8+ILnveszHVGufDQ485O1/785qFWGTsU8QSjOEI+1IpGXPj8E0dkY+foHass19UNrL2sH8F1FN2LyyLjSUSvefOH69fvx85VJ/VuuO7b6kdHa7XZrxF/7atekk4+dre0YIch5NnPmj9tu/nEzv7Ezk4ndXezTuwwxhmWOKsWN0F3cnQ4ds4O+/RWaZHnLDitqvhcH/HZrTMvMZy6QVhGmNt1Ykexm53DqWXk4X08mTACwkVfPyjd+tPT0lXfOzp94chd6jul8TmIfxNx1iSrrbE87umI9XfYct369j++4Kh0y7Wnph9998h6WYu+aJFCHMSKo/pZ9+lNOsS9iXGP4uR0u5+drF+r1dKZ51yWYuc+ntwWZ2zaldu4PML1uad8Kr35Da9pXNR0eo4ZM9JHNn1nOnS/rdp+cWSzAm6745507Be/WQ90N/72981WMa8CAgJIBQZ5kF2MI5JHnnBu5nXStdrEEe+N1khxhHCQdQ+yrOjHIMuLsuKo5iETR3XiSH5MN3vFjsxG71mlqz+qS776JWn1lZdtVlx9XlyPHtdnx45QHIGPP+YRAGfMqNWXt/vPv/717/TZQ09P0f526/azPI6MH7X/tm1vYuy2jvjjGX8Io++dvuLG3m7ryfP68W8t+hQ7c81esSzW6aQPcU/Bisu/Js311M6/pT52JPfa6f2ZOyOvfdVL0te+tHfb+8KijTt8ZN304g6fEhfrd/qKHcUtdjo0xRmWONPSyXbx7yhuvm11WUrM//LRH+s4hCw4EcJ2336DXP9+7MRlcp05ZsyoB7NV3rJ0ilASj1COS6baPV42lp9x/F71xy3v9NH1Umz/vOculPkZmqwzbz8ffuSx9MBD2d9fMsw2v2+dlVKv/14+8N5V0jdP+3RabNHsJ1Y2tr9Wq6X11loxXTwRQuNvVOPyTqZXmziztfQSi3WyqnVKKCCAlHBQh9mlb194df06zqw6Vl7xdekNy7R+8lHWtkVdFqfBv3TGBSlOM2f1Ie6FiHsistZpXLbwQvOn4w/ZMR1z4HZpnmc8fdbijd779vSTi49Nl33jkLTfnpvVL3mLI+vxx/zMEz+efnnFSWnTDVabtX7Wm2j3D6++IWuVvpfVarX0ztXekE48bOcU1xr3XeBEAbHj+9WTPl7/Qxh97/QVN/ZObF6a/0ewjZ3a2Plr9oplsU6nHY6d6s03XrOj1cM8Pp+d3BwcOzmxsxM7Lq0KX3H5Jeqf5VbL+5kfbdxt2/d1HBZmTIT4CM1x821Wvcss+bL01ZM+Uf9yuaz1Ytku27w38/HEsY5XsQTiqWcPPvTI2BodZ6Te9+63tal/+uIXTQT8r5ywV/1vx9S/K9PXaj8VZ6nO+uLe9TNWcXlW+y2eWCMu0950w9ULGTif6IH/9isggPQrWKHt47G7+x1yWmaPY8dyu83Xyf3RvcXafD9JZiebLIwbp+OUcpNFs2a98AXPTh+aODNUq3V2ZmLWhhNvarVaWmv15dPVFx6ddt76Penicw5On93rQykuVZlY3PT/8UflU7ttUg8usSPVdKUpM889/4epk+uYp2zS9dtarZZWeevS6bLzDklvWWGJrref3CD+0O2544bplGN2TxHQJufn5WdcBhE3rnbyiuug48bWYb7iqWzdXPJTq9UmPqtrpnZHNnfZ+r3pqAO2TbFj36l9fC4P+fRHUuz8xNmrqdvF749dJj7f8fjmqfMH+f61E2cUt/7Qu9oWueDEmYrTP79n/d9drdb+32xccnrBV/dP8bSmVoUPM1y1qrOT+bfcfnf90cqD/Az+5nd3ZlYdy7Pqi/sMDzjizPr3hey53xc6+hn3LGVWOsSFjz/+zyGW3r7oddZ8Y0dnQeLfXzxi98KzD0xvXO7VXZ2Nb9WKOLsaZ7+uveS4tNlEqOjk702E+qVfu1irIs2vgEClAkgFxnNoXYxLF/b93KmZl15F5XHUNI6exvuqvO6+54H0yQNOzrzxPCx22uo96QXPWzje9vyKPx7bb/HutPhLOjtdOcx9mwAAEABJREFUXqvV6mcddt1m/bZ1/uo3d6R77/tz2/UGsUJcS3/KsbvXn6rz1jct2XGRU//QfWTTtXJ79Gzfg09NceNqJ68NtvhM/cbWye9JGMbP+DLKCEUdQ0+sGE+w23Xb9ZteMhfB4Zun75e222KdnsagVqvVd37iHoIIIpNBZxS/P2q1Wtp4/VVShIGJbjb9/5ve8Or0nYkwETtoTVdoMTPuCTrmoO3q4SqOME9dLc5A7bHDBmmY4Wpqfd28v/jy6wf+GfzmBT/ObEIsz/qsb7fHMemEU85P8X0hnb5+8tPfZNY5qIWxgx33ZK260jIpfg/FpZ9LL7l4Guf/4izIB9+/RssmxOfx0P22Stddelxaf523DuUgYfzOiINeP73s+PrlePH7ulmD4uzHB98/cfZjjjmaLTavIgICSEUGup9uxv0S+x/+lRTf15BVTuxEfGijNbs6otLuCTJ///s/un4STrQ3tstq66CWRTCLL126/c4/ZRYZR0XjC70yVxrSwlqtltZ/11vbXnv/wIMPpzvvvm9IrUizlVur1epP1TnlmN3SjT/6Yjr9+D3rf8zjj3r8MY3XS168SP3yqj122DBdcu7B6cYff7F+qj/+0M1W4ABnREAaYHGFLSruJYpHz052IK7Rjx3sCA7x731yfq8/55gxox5EIsxcf9nn0zYffldXvz96rTdCwN67fmC2m+In+3fqcXukXj8DtVqt3qc4y/eloz5WP4tUq9Umwtq706tf8eJem2y7PgWe95yF6l+o2OweqZgX985FkGj2Om3i8xA32v/00s/Xb7q/7aenT5yNPibFvS57TpyJjcsQs85G99n0jjePvzNxcGByg+csvEA9CHx/4ozz5d88tP67tFUomNxmED/j93P8zv7VD7+Qvv7lfepnEeOs9WTZ677zzSnORE5O+1lNAQGkmuPeca/j3oYvnH5B/ShU1kZx6cS+u2/a9ns/GsuY8ynZR0AeeOjhri8LisuIYrvGuqZOL/7Szs4gTN2m8X0EnU6CWVx6FX+kpv4Cbixr2NPPWmi+zCO+UX+M9Z1/uDfejvwVO4TxBJZwij/qV11wVP1Rn3F/Sxy122qzteo3Sc4xYzS/suaZ5+kjN8hjhXNOHKGMR8/GjarnnLxPuvI7R6S1Vlt+KI9EXXCBZ7Y9KjvHjBn1L0iLcNrsFU+lmmNGZ5+Rl730BWnvXTeus8fR4aMP3DZd8e3D06D6N8eMGfVHmka4+uUVJ6YPbrh6va7x/EetcYlcs/ujJufFvXMRJJq9VlxhiXogXWjBZw7lsz+o0Ynf8/t//EPp5ImDOj+7/IR0zUXH1A/YxH0atVr7ywgH1Y7JcuJv3rKve1n9MuDf/eSUenvi39lHP7j2rMdZT67rZ/UEOvtNXT0XPZ4p8L3Lrk0HH/3VmVOtf+zwkXVTL5dexRGaCC+tSv7Xv/+Tur229j//+W/673//26rI+hHWfo8Cxc56J8Fsxoxaip3qfi+9atmZLhYs38GDAR7+62NdlGjVKgjEmYDP7PXBtMySLxv7zlfsAJ79pU/Ww+lkSJ36M5bFOp2OS5yVvO6S41IcHV579RV6upysk7rmnWfuoZXdSf3WGZ1AfF9PnEWJhxLEQ0Kmvr59xmdmfUnnZIte+bIXtjwz083T6ybLiwfAxBfdxlmIyXl5+Fmr1VL8vY9/Zy9+4XPz0KTRtUFNTQUEkKYsZobAT39xc/17AP773//FZMtXnL7e/APdXXo1Wdh88z4jzZNxtPnRR/+eHv7r3yZX7+jnAxNnTR5+5LGW684991xpoYmjrS1XaLMgwsd3Lrqmo2C223YbpLjZrk2RI1kczrVa9lGw+MK0kTRGJZURiMc7X3nVDenwz5+T4ns3Vlhz+/qXpb14qY1Ss9er3vihFOuss8k+6VMHn1p/6t499z6U4osDB40WR2jjqHGtlv3vYtD15q28YX0vUt76OYr2xL0hcRZl+WVfWX9ISFyaNfmKcDzHjOm7XREWJs/CNP7s9ul1o+ifOggMSmD6v4RBlaqcwgv84le3pg9u97nU7sbVuFmz3fP/U0otPeZ75jPSIs9esOXyeLzhvfd3d2P0gw89kmK7VoVG+Fh4oflaLW47P84Kbb/XMRNnWYYXzNo2oocVwrrdmZ8/Tezo9VC0TRoE5p9/ntTsEqFhzXvusxdoerN4GsP/Iij85pY/pI9/9kvptW/ZIi210kfqXzh25Innposv/2m6508PpocfaX1QIb4oMNb5+Q23pJPPvLD+BWsrrLFdWvz1m6RNtj4wXXLF9V3fFzYGhkJVufSSi7c8Cr/hum8rzLLllnlFodw1lkCVBWZUufP63lzg17/9fdrqY0emduEjbiCPx/nNO8/czQvqYO4znvG0+jXdWav+9nd/yFo827Jbbrt7tnlTZ/zf8xdOc8/9tKmzOn5/2ZU/Tzt/4vi24aPfYNZxg7pYMXb62j2KddCPJ+6keXf98f4UT41q9ajNcT5as5P2N1tn710+0PIyoamXDA3q/aXfOCS9fqlWO1/NWjj4eRE8zr/o6rTyOrumNd67Rzrj65e2/R3STSviTOwVE2dSNt/h0PSaN29ef0JSu89zN+VPrhu//1p9FmN+PJkp7jObXL8MP+OL7BqPvhdxOvrRy3jE47LfOHFmrtkZuXHOe+UKH0o33HR7L12yDYHcCwgguR+i0TYwnge/1a5H1I9SZtUcj5Q84rNbtw0PWWXEsrjJtd3TMH510x3p3//5T6ze9hWXR7X7hf261yyW5n76XG3Lalwhvutjx48fm3l2JbYZRDCLcgb9iqdchc+gy+23vLhE56vfuLz+oINmj9sc1aM1++1HlbePEPneD346bbv70en3I3iQQQSP+I6I1SeCzjU/vWmg9H+898GWn8X4fMZBiHgAxUArVVh5BfSMAIGmAgJIU5Zqzozw8aHtD0l33pX9KNYZM2rpoH226Omm82ayS7xq0fqN4c2Wxbyf3fC7iUD0ULxt+4qd2TiCmbXiUksslrW46bIIH/HM+nZnhQYVzJo2oo+ZETyiD+2KWHwATwdrV4fl5RK4/pe/S/9vo71T/Bx1zyLsbLjlZ9MpX70oxWd81PWXvb44+xhnffL2inaV3V7/CJRdYBQBpOyGpehf7LRvvPVBHYWPuOxqkDdWv+rlL0qLLfq8lo5/uu/P6ee/uqXl8qkLbvj1bemW2/84dda093Gt/MsX+79p89pNxBHPLXY8rO3lJBE+4uknS77mpe2K7Gr5TTffWb+cJS5x6WrDKSvf9ccH0g+vvmHKnNnfzj/fPOnF//ec2ReY07VAXH4UN1KP6vX2d++arv3ZaL6EbSpG3Cu22bYHt/2C0qnbDPp9XJoVX5Ia92YNuuyqlxdnH+OsT95e0a6qj43+Eyi6gABS9BEcQPt/ObHT/oGtDpg4y/Bg29LiqU7rrb1i5hmLtoU0rBCPC4wvPGuYPW3y7G9dkeKyi2kzGybiMq2vf+vKzCOhcZ38Is9tfdN7Q5Hpe5dem7bc+bC2l11NnhWK77JoLKOf6fiiw88cdnr9ht74zpF2BrPXleqXrx1/yrdTBLlmyyfnRTBb5DkLTU6W+ueqKy2dIiy2esWjNPsBiDNlcSP1qF4xtrEj3k+bu932b489ng459uy2wTzKjadNrbrSMmm/PTdL3zzt0ykeTRrfU3D79aenO352xqzXL684qb7swrMPqp9ljceQRrCPMrJe0fd9Djwl3TGCy7+y2tHLslXbfBZjeS/l2oYAAQJ5FhBA8jw6I2hbPGo3wsdDf/lr29rim00/suk7Bxo+otJarZbWeceb0lOeMmdMNn1d8eNfpgsuubbpssmZ1//ylpR1FLRWq6X3/L8VO/oCpLic4/wLr05b73Zkane9d4SPYw/ePq359uUmmzKQn9GGE0/9TvrRNTfWy/vi6RekdTf9VPpdm5vs6yvP/E+U8eWvXJjOOPvSmXNa/4jHQcYXArZeozxLFlv0+ekdqyzX8hVnysrT2+H05Lqf/za1u6wvvuDvxMN2Sr+56sv1b43eeP1VU5whjMeSxoGHWm36428jbMSyly/2ghQ3FB+5/zbpFz84MX3vawfUv1E8qydxI/F53/lh1iqjX9ZBje0+i7G8g2KsQoAAgUIJCCCFGq7BNjYuLfrAVgd2dARzt+3elzZ6z8rp/gcfTvHM+Iu+f1367iU/6fh19XU3pThD0aoHcRnWW1ZYotXi+vx9Djq55Q5P3L+y6yePT//617/r6zb7z3JLvyIt+7qXN1s0bV7stJ961sWpk0ftRvg4av9t0wrLvirFDtBvb7mrY5NJv3jc6LQGzJy49IqfpWO/+M2ZU0/8+PVvf59WXW+3tOs+J6Q/3H3/EzNb/Dfuh9n7gJPTZw87o8UaT86OHe61Vlv+yRne9SXQ7klsfRWek42/e/FPMs82xlnNb06c7Vjtbcv29SV8tVotvWLxF6ZzTv5U/XGwWd2P32nxtLesdSwj0Cjw1ImDX/vuvmnmWdFWZ0v7mX/4Z7ZOL3nxIo3N6Xg6/ubk8eldvTw5LB6v3XHHO1zRavkWEEDyPT5DaV3sYJ8/cXR/8x0PaXtp0WQDDj76rLTEiluk5VbdJq30rl3SljsfnuKm7E5fhx9/TvrHP/41WdxsP+P7KTbbcPXM7zKIy1ribM3H9/9S+v1d99YDTXxHyOe//K209vv3zrx/pVarpQ9OlN/uCH/cZ/H5L3877XPQKW0ftRudiEs/tt3j6PS6lT5St1n9vbt35RJ+p33tkihq2uvuex6oB4cof9qCmRNf/9YVacW1dkxvWG3btNdnvpjO++6PZgWf0752cXrf5p+pf//C6WfPXvbMIqb92HSD1VM8nnjaTBMEWgjE5VdZlzvF0+12/uh70vzzzdOihO5nzznnHOmjH/x/aeFnzd9y43vueygJIC15LGghEJ/TVVdapuUZ0ayzpf0sW+1ty6SFF2r9eW7RXLMJlEJAACnFMLbqxOzzI3x0enR/9q2HOyfOIqy71optK4nLid669s5psWU3qe+AH3TUWW2D1Morvi6t9OYlM8uOS60OPOLMFGErc8UhL/znP/+VPn3Iaen2O//UtqYIYF8557K048ePmxV84qxHN48mje8s+cB73962LisQ6FTg2QvPn+Lyq07X73S9hRZ8ZnrJi1ofMX700b+nh//6t06Ls14fAnG5XHxXSD9nAFptu/v2G3R0qWwfzbcpAQJjFhBAxjwAo64+LqGKL9JqdWR91O2ZWl8c4dxpq/XSoi987tTZfb+Pa8r33nXjFGdZsgq76Xd3ptM7uFciq4xBLHvqU5+SPrLpWmnB+ecdRHGZZSzy3IVS2PTzZZKZFVR5YUbfv3DkLrNuvJ56E/aw3v/4gqNS/DvIaNJAFz36t7+nP//l0YGWGYX945//Sg/9+ZF42/Q1Y46aHdemMoOfOc8znp7e/palhnLW4M3Lvybznti2mqwAABAASURBVMDB90aJBAiMWkAAGbW4+jIFnr/Is1J8wWEcXctcscOFcY/GvntsWrjHyy792sXTt87YL8XPDrva9WoLTgScEw7dMb2iy8cSd12RDUonMNdcT8kMyHG55PkXXZV5j0gvKD/40S8zH8Kw0ALPTAsvNF8vRdumZAK6Q4BAvgUEkHyPTyVbF0/JiVPz/YaQOKNy3ME7DPzpVKMalBc8b+H0lRP3SvH0sejLIOt96aLPS1/70t7pta96ySCL7amsxx//Z+bDA3oq1EZDFYh7PJZf9pWZdRx90nkpLgeMsyGZK3awMO7N+tp5P0gf+9QJmWsv+eqXpvnnnydzHQsJECBAYKgCHRUugHTEZKVRC8T3acQTdJZ8dW87yHH9eTw1Z423v37UTR9ofXHZ2FabrZWuPP+I9M5V3zCQsuNm/2+f8ZmUl8d7xjX7WU9IO+f8K1MvT1Xpd5td9j5+IN7NCjnlzIvSnvt9YeSvs867vFlzepq38opLpXh6WtbGp599SVr27VvXv8cmHvkdN69nrT91WdyTdfOtd6UIMq9fZZu0274nppg3dZ2p7+Ns5/rrvHXol2DF/VWvftOHR/6ZjIdjTO3vuN//5z//TQ8+9Ej96X/xNKZBvv78578O/OzZuL2GUX/8fYjvytlw3bfVnxBX5J/Pq8h3UA3jc1DUMgWQoo5cBdq96IsWqT96My7JWnCBZ3bU47gu+VO7b5ouPPvAtt8b0FGBva404O0Wec6CKb5r5KoLjkqbb/yO1O3ZofhDFdvFF8B9ardN0txPn2vALVRcNwJXXn1DOvPc74/89ZOf/qabZmauG09N226Ld2euEwsf/8c/0xlfvzStt9m+KXbcF3v9JmmFNbdPb1l7p7Tt7kfPCmERMNZ83571Za9644dSrLfae3ZPhx53duZ9H1FHvOJ7Q1ZY9lXx1msEAvEAjBiveDLioF+bbHNQis/NCLpR6Cri78Du22+Q4mEARX+96uUvKvRYaHz3AgJI92aF3iJuRI0bUod1s2urcs/6widSu0fgNoONS4/iSwqvveTYdMm5B6cdtlw3xVOb4ubpydfrllisPv/bX/lM+sUVJ6bNNlit7Q3nzepa4pWLppuu+tJIbw4Or0P326pZc5rOiz5/YueNUnw52zUXHZMilMQZjTCIZVNfq660TP3yrXC78cdfTLFdjH/Tgs0k0INA7PRv1OUT1OIsRnxD/J133ZfOv+jqWSEsLrG66eY7Uyx77O//6Ko18Tthr53eP+v7Rrra2MoEciowzzxPT/PN+4yctk6zCPQnIID052frEQnMMWNG/ZKhnT66Xjrj+L1SnAmYfJ136r4p5keAmGNGNT7StVotPWfhBeqXZcUZjTCY9Jj8edLhO6e4fGuxRZ+f5piRX5f4Axv3FIzoo6SaAQrEAYJ9d9u0HnRnzKgNsOTOi3rP/3tLOunwXdK888zd+UbWJFAAgafMOUd62tOeWoCWTmuiCQIdCeR3r6Sj5luJAIGiC8Rjh2NHtuj9qGr7Y+wi6F549kEjvewx7vP6ygl7pc99akuXFFb1w6ffBAgUVkAAGcbQKZMAgY4F7n/wL6737lgrvysu/pLnp/NO+3T63tcOSGuttnwa1hmRpZZYLH3pqI+ly847JL1xuVenWm08Z17yOxJaRoAAgfwLCCD5HyMtJFBqgde8YtEUj10e1GtQ5Wy8/io9u8ejYKfejzPs93G/TydPwFlumVf03KdONqzVaukVi78wHXPQdunma06pf5fNNh9+V3rly17Y8/0Zcabj/eutnE45drd044++mL5x6r5p5RVfN7TLCvP6eVx1paXTqP9X1c/xqJ3VR6CKAgJIFUddnwnkSCAe5fqOVZYbyjcq91Nu3NjfK9Peu3xg2n1Kk/flDOvnSYfv3NGTcOKm8V771O12cWlWfM/Mx7ZdP11w1gHplmtPTb+95uQUT2K7/JuHphMP26lp8IzHb8c6ETbiIQ0/+NZhaf9PfDi99Y1L9vQgi27bndfPY9zL1W1f+l2/h89xX5/7PH6O+zXM2n6uuZ6Sdtpqvdn+HXz1pE/U/53E49IXWvCZWUVYRqCwAgJIYYdOwwkQIFAsgbme+pQUT2J78Qufm1Z727JNQ2d8EWms08tT84qlobVVF4iHbyy/7Ctn+3cQ8+LfQISPOWbYTav656Tz/hdrTZ/sYo2X1hIgQIAAAQIECBAotIAAUujh0/hGAdMECBAgQIAAAQL5FhBA8j0+WkeAAIGiCGgnAQIECBDoSEAA6YjJSgQIECBAgACBvApoF4FiCQggxRovrSVAgAABAgQIECBQaIFSBZBCj4TGEyBAgAABAgQIEKiAgABSgUHWRQIjEFAFAQIECBAgQKAjAQGkIyYrESBAgACBvApoFwECBIolIIAUa7y0lgABAgQIECBAIC8C2tGTgADSE5uNCBAgQIAAAQIECBDoRUAA6UXNNo0CpgkQIECAAAECBAh0JCCAdMRkJQIECORVQLsIECBAgECxBASQYo2X1hIgQIAAAQJ5EdAOAgR6EhBAemKzEQECBAgQIECAAAECvQgMIoD0Uq9tCBAgQIAAAQIECBCooIAAUsFB1+UyCegLAQIECBAgQKBYAgJIscZLawkQIEAgLwLaQYAAAQI9CQggPbHZiAABAgQIECBAYFwC6i22gABS7PHTegIECBAgQIAAAQKFEhBACjVcjY01TYAAAQIECBAgQKBYAgJIscZLawkQyIuAdhAgQIAAAQI9CQggPbHZiAABAgQIEBiXgHoJECi2gABS7PHTegIECBAgQIAAAQKjEhhIPQLIQBgVQoAAAQIECBAgQIBAJwICSCdK1iHQKGCaAAECBAgQIECgJwEBpCc2GxEgQIDAuATUS4AAAQLFFhBAij1+Wk+AAAECBAgQGJWAeggMREAAGQijQggQIECAAAECBAgQ6ERAAOlEqXEd0wQIECBAgAABAgQI9CQggPTEZiMCBMYloF4CBAgQIECg2AICSLHHT+sJECBAgMCoBNRDgACBgQgIIANhVAgBAgQIECBAgACBYQmUq1wBpFzjqTcECBAgQIAAAQIEci0ggOR6eDSuUcA0AQIECBAgQIBAsQUEkGKPn9YTIEBgVALqIUCAAAECAxEQQAbCqBACBAgQIECAwLAElEugXAICSLnGU28IECBAgAABAgQI5FqgUAEk15IaR4AAAQIECBAgQIBAWwEBpC2RFQgQSClBIECAAAECBAgMREAAGQijQggQIECAwLAElEuAAIFyCQgg5RpPvSFAgAABAgQIEBiUgHKGIiCADIVVoQQIECBAgAABAgQINBMQQJqpmNcoYJoAAQIECBAgQIDAQAQEkIEwKoQAAQLDElAuAQIECBAol4AAUq7x1BsCBAgQIEBgUALKIUBgKAICyFBYFUqAAAECBAgQIECAQDOBTgJIs+3MI0CAAAECBAgQIECAQNcCAkjXZDYgMEoBdREgQIAAAQIEyiUggJRrPPWGAAECBAYloBwCBAgQGIqAADIUVoUSIECAAAECBAj0KmC7cgsIIOUeX70jQIAAAQIECBAgkCsBASRXw9HYGNMECBAgQIAAAQIEyiUggJRrPPWGAIFBCSiHAAECBAgQGIqAADIUVoUSIECAAAECvQrYjgCBcgsIIOUeX70jQIAAAQIECBAg0KnASNYTQEbCrBICBAgQIECAAAECBEJAAAkFLwKNAqYJECBAgAABAgSGIiCADIVVoQQIECDQq4DtCBAgQKDcAgJIucdX7wgQIECAAAECnQpYj8BIBASQkTCrhAABAgQIECBAgACBEBBAQqHxZZoAAQIECBAgQIAAgaEICCBDYVUoAQK9CtiOAAECBAgQKLeAAFLu8dU7AgQIECDQqYD1CBAgMBIBAWQkzCohQIAAAQIECBAg0EqgWvMFkGqNt94SIECAAAECBAgQGKuAADJWfpU3CpgmQIAAAQIECBAot4AAUu7x1TsCBAh0KmA9AgQIECAwEgEBZCTMKiFAgAABAgQItBIwn0C1BASQao233hIgQIAAAQIECBAYq0CuAshYJVROgAABAgQIECBAgMDQBQSQoROrgEAhBDSSAAECBAgQIDASAQFkJMwqIUCAAAECrQTMJ0CAQLUEBJBqjbfeEiBAgAABAgQITAr4ORYBAWQs7ColQIAAAQIECBAgUE0BAaSa497Ya9MECBAgQIAAAQIERiIggIyEWSUECBBoJWA+AQIECBColoAAUq3x1lsCBAgQIEBgUsBPAgTGIiCAjIVdpQQIECBAgAABAgSqKRABpJo912sCBAgQIECAAAECBEYuIICMnFyFBKYKeE+AAAECBAgQqJaAAFKt8dZbAgQIEJgU8JMAAQIExiIggIyFXaUECBAgQIAAgeoK6Hm1BQSQao+/3hMgQIAAAQIECBAYqYAAMlLuxspMEyBAgAABAgQIEKiWgABSrfHWWwIEJgX8JECAAAECBMYiIICMhV2lBAgQIECgugJ6ToBAtQUEkGqPv94TIECAAAECBAhURyAXPRVAcjEMGkGAAAECBAgQIECgGgICSDXGWS8bBUwTIECAAAECBAiMRUAAGQu7SgkQIFBdAT0nQIAAgWoLCCDVHn+9J0CAAAECBKojoKcEciEggORiGDSCAAECBAgQIECAQDUEqhlAqjG2ekmAAAECBAgQIEAgdwICSO6GRIMIlFtA7wgQIECAAIFqCwgg1R5/vSdAgACB6gjoKQECBHIhIIDkYhg0ggABAgQIECBAoLwCejZVQACZquE9AQIECBAgQIAAAQJDFRBAhsqr8EYB0wQIECBAgAABAtUWEECqPf56T4BAdQT0lAABAgQI5EJAAMnFMGgEAQIECBAgUF4BPSNAYKqAADJVw3sCBAgQIECAAAECBIYqMNIAMtSeKJwAAQIECBAgQIAAgdwLCCC5HyINJDAQAYUQIECAAAECBHIhIIDkYhg0ggABAgTKK6BnBAgQIDBVQACZquE9AQIECBAgQIBAeQT0JJcCAkguh0WjCBAgQIAAAQIECJRTQAAp57g29so0AQIECBAgQIAAgVwICCC5GAaNIECgvAJ6RoAAAQIECEwVEECmanhPgAABAgQIlEdATwgQyKWAAJLLYdEoAgQIECBAgAABAsUVyGq5AJKlYxkBAgQIECBAgAABAgMVEEAGyqkwAo0CpgkQIECAAAECBKYKCCBTNbwnQIAAgfII6AkBAgQI5FJAAMnlsGgUAQIECBAgQKC4AlpOIEtAAMnSsYwAAQIECBAgQIAAgYEKCCAD5WwszDQBAgQIECBAgAABAlMFBJCpGt4TIFAeAT0hQIAAAQIEcikggORyWDSKAAECBAgUV0DLCRAgkCUggGTpWEaAAAECBAgQIECgOAKFaKkAUohh0kgCBAgQIECAAAEC5RAQQMoxjnrRKGCaAAECBAgQIEAglwICSC6HRaMIECBQXAEtJ0CAAAGACr5dAAAQAElEQVQCWQICSJaOZQQIECBAgACB4ghoKYFCCAgghRgmjSRAgAABAgQIECBQDoFyBpByjI1eECBAgAABAgQIECidgABSuiHVIQLjFVA7AQIECBAgQCBLQADJ0rGMAAECBAgUR0BLCRAgUAgBAaQQw6SRBAgQIECAAAEC+RXQsm4EBJButKxLgAABAgQIECBAgEBfAgJIX3w2bhQwTYAAAQIECBAgQCBLQADJ0rGMAAECxRHQUgIECBAgUAgBAaQQw6SRBAgQIECAQH4FtIwAgW4EBJButKxLgAABAgQIECBAgEBfAgMNIH21xMYECBAgQIAAAQIECJReQAAp/RDrYEUEdJMAAQIECBAgUAgBAaQQw6SRBAgQIJBfAS0jQIAAgW4EBJButKxLgAABAgQIECCQHwEtKaSAAFLIYdNoAgQIECBAgAABAsUUEECKOW6NrTZNgAABAgQIECBAoBACAkghhkkjCRDIr4CWESBAgAABAt0ICCDdaFmXAAECBAgQyI+AlhAgUEgBAaSQw6bRBAgQIECAAAECBMYn0E/NAkg/erYlQIAAAQIECBAgQKArAQGkKy4rE2gUME2AAAECBAgQINCNgADSjZZ1CRAgQCA/AlpCgAABAoUUEEAKOWwaTYAAAQIECBAYn4CaCfQjIID0o2dbAgQIECBAgAABAgS6EhBAuuJqXNk0AQIECBAgQIAAAQLdCAgg3WhZlwCB/AhoCQECBAgQIFBIAQGkkMOm0QQIECBAYHwCaiZAgEA/AgJIP3q2JUCAAAECBAgQIDA6gVLUJICUYhh1ggABAgQIECBAgEAxBASQYoyTVjYKmCZAgAABAgQIECikgABSyGHTaAIECIxPQM0ECBAgQKAfAQGkHz3bEiBAgAABAgRGJ6AmAqUQEEBKMYw6QYAAAQIECBAgQKAYAsUMIMWw1UoCBAgQIECAAAECBBoEBJAGEJMECGQLWEqAAAECBAgQ6EdAAOlHz7YECBAgQGB0AmoiQIBAKQQEkFIMo04QIECAAAECBAgMT0DJgxQQQAapqSwCBAgQIECAAAECBDIFBJBMHgsbBUwTIECAAAECBAgQ6EdAAOlHz7YECBAYnYCaCBAgQIBAKQQEkFIMo04QIECAAAECwxNQMgECgxQQQAapqSwCBAgQIECAAAECBDIFugogmSVZSIAAAQIECBAgQIAAgTYCAkgbIIsJ5ERAMwgQIECAAAECpRAQQEoxjDpBgAABAsMTUDIBAgQIDFJAABmkprIIECBAgAABAgQGJ6CkUgoIIKUcVp0iQIAAAQIECBAgkE8BASSf49LYKtMECBAgQIAAAQIESiEggJRiGHWCAIHhCSiZAAECBAgQGKSAADJITWURIECAAAECgxNQEgECpRQQQEo5rDpFgAABAgQIECBAoHeBYW4pgAxTV9kECBAgQIAAAQIECEwTEECmcZgg0ChgmgABAgQIECBAYJACAsggNZVFgAABAoMTUBIBAgQIlFJAACnlsOoUAQIECBAgQKB3AVsSGKaAADJMXWUTIECAAAECBAgQIDBNQACZxtE4YZoAAQIECBAgQIAAgUEKCCCD1FQWAQKDE1ASAQIECBAgUEoBAaSUw6pTBAgQIECgdwFbEiBAYJgCAsgwdZVNgAABAgQIECBAoHOBSqwpgFRimHWSAAECBAgQIECAQD4EBJB8jINWNAqYJkCAAAECBAgQKKWAAFLKYdUpAgQI9C5gSwIECBAgMEwBAWSYusomQIAAAQIECHQuYE0ClRAQQCoxzDpJgAABAgQIECBAIB8C+Qwg+bDRCgIECBAgQIAAAQIEBiwggAwYVHEEii6g/QQIECBAgACBYQoIIMPUVTYBAgQIEOhcwJoECBCohIAAUolh1kkCBAgQIECAAIHWApaMUkAAGaW2uggQIECAAAECBAhUXEAAqfgHoLH7pgkQIECAAAECBAgMU0AAGaausgkQINC5gDUJECBAgEAlBASQSgyzThIgQIAAAQKtBSwhQGCUAgLIKLXVRYAAAQIECBAgQKDiAtMCSMUtdJ8AAQIECBAgQIAAgSELCCBDBlY8gQ4FrEaAAAECBAgQqISAAFKJYdZJAgQIEGgtYAkBAgQIjFJAABmltroIECBAgAABAgSeFPCukgICSCWHXacJECBAgAABAgQIjEdAABmPe2OtpgkQIECAAAECBAhUQkAAqcQw6yQBAq0FLCFAgAABAgRGKSCAjFJbXQQIECBAgMCTAt4RIFBJAQGkksOu0wQIECBAgAABAlUWGGffBZBx6qubAAECBAgQIECAQMUEBJCKDbjuNgqYJkCAAAECBAgQGKWAADJKbXURIECAwJMC3hEgQIBAJQUEkEoOu04TIECAAAECVRbQdwLjFBBAxqmvbgIECBAgQIAAAQIVE6h4AKnYaOsuAQIECBAgQIAAgTELCCBjHgDVE6isgI4TIECAAAEClRQQQCo57DpNgAABAlUW0HcCBAiMU0AAGae+ugkQIECAAAECBKokoK8TAgLIBIL/EyBAgAABAgQIECAwGgEBZDTOamkUME2AAAECBAgQIFBJAQGkksOu0wQIVFlA3wkQIECAwDgFBJBx6qubAAECBAgQqJKAvhIgMCEggEwg+D8BAgQIECBAgAABAqMRGE8AGU3f1EKAAAECBAgQIECAQM4EBJCcDYjmEBi2gPIJECBAgAABAuMUEEDGqa9uAgQIEKiSgL4SIECAwISAADKB4P8ECBAgQIAAAQJlFtC3PAkIIHkaDW0hQIAAAQIECBAgUHIBAaTkA9zYPdMECBAgQIAAAQIExikggIxTX90ECFRJQF8JECBAgACBCQEBZALB/wkQIECAAIEyC+gbAQJ5EhBA8jQa2kKAAAECBAgQIECgTAJN+iKANEExiwABAgQIECBAgACB4QgIIMNxVSqBRgHTBAgQIECAAAECEwICyASC/xMgQIBAmQX0jQABAgTyJCCA5Gk0tIUAAQIECBAgUCYBfSHQREAAaYJiFgECBAgQIECAAAECwxEQQIbj2liqaQIECBAgQIAAAQIEJgQEkAkE/ydAoMwC+kaAAAECBAjkSUAAydNoaAsBAgQIECiTgL4QIECgiYAA0gTFLAIECBAgQIAAAQJFFshz2wWQPI+OthEgQIAAAQIECBAomYAAUrIB1Z1GAdMECBAgQIAAAQJ5EhBA8jQa2kKAAIEyCegLAQIECBBoIiCANEExiwABAgQIECBQZAFtJ5BnAQEkz6OjbQQIECBAgAABAgRKJlDyAFKy0dIdAgQIECBAgAABAgUXEEAKPoCaTyC3AhpGgAABAgQIEGgiIIA0QTGLAAECBAgUWUDbCRAgkGcBASTPo6NtBAgQIECAAAECRRLQ1g4EBJAOkKxCgAABAgQIECBAgMBgBASQwTgqpVHANAECBAgQIECAAIEmAgJIExSzCBAgUGQBbSdAgAABAnkWEEDyPDraRoAAAQIECBRJQFsJEOhAQADpAMkqBAgQIECAAAECBAgMRmA4AWQwbVMKAQIECBAgQIAAAQIlExBASjagukOAAAECBAgQIEAgzwICSJ5HR9sIECBAoEgC2kqAAAECHQgIIB0gWYUAAQIECBAgQCDPAtpWJAEBpEijpa0ECBAgQIAAAQIECi4ggBR8ABubb5oAAQIECBAgQIBAngUEkDyPjrYRIFAkAW0lQIAAAQIEOhAQQDpAsgoBAgQIECCQZwFtI0CgSAICSJFGS1sJECBAgAABAgQI5Emgh7YIID2g2YQAAQIECBAgQIAAgd4EBJDe3GxFoFHANAECBAgQIECAQAcCAkgHSFYhQIAAgTwLaBsBAgQIFElAACnSaGkrAQIECBAgQCBPAtpCoAcBAaQHNJsQIECAAAECBAgQINCbgADSm1vjVqYJECBAgAABAgQIEOhAQADpAMkqBAjkWUDbCBAgQIAAgSIJCCBFGi1tJUCAAAECeRLQFgIECPQgIID0gGYTAgQIECBAgAABAuMUKHLdAkiRR0/bCRAgQIAAAQIECBRMQAAp2IBpbqOAaQIECBAgQIAAgSIJCCBFGi1tJUCAQJ4EtIUAAQIECPQgIID0gGYTAgQIECBAgMA4BdRNoMgCAkiRR0/bCRAgQIAAAQIECBRMoOABpGDamkuAAAECBAgQIECg4gICSMU/ALpPoGcBGxIgQIAAAQIEehAQQHpAswkBAgQIEBingLoJECBQZAEBpMijp+0ECBAgQIAAAQKjFFDXAAQEkAEgKoIAAQIECBAgQIAAgc4EBJDOnKzVKGCaAAECBAgQIECAQA8CAkgPaDYhQIDAOAXUTYAAAQIEiiwggBR59LSdAAECBAgQGKWAuggQGICAADIAREUQIECAAAECBAgQINCZQG8BpLOyrUWAAAECBAgQIECAAIFpAgLINA4TBPIvoIUECBAgQIAAgSILCCBFHj1tJ0CAAIFRCqiLAAECBAYgIIAMAFERBAgQIECAAAECwxRQdpkEBJAyjaa+ECBAgAABAgQIEMi5gACS8wFqbJ5pAgQIECBAgAABAkUWEECKPHraToDAKAXURYAAAQIECAxAQAAZAKIiCBAgQIAAgWEKKJsAgTIJCCBlGk19IUCAAAECBAgQIDBIgSGUJYAMAVWRBAgQIECAAAECBAg0FxBAmruYS6BRwDQBAgQIECBAgMAABASQASAqggABAgSGKaBsAgQIECiTgABSptHUFwIECBAgQIDAIAWURWAIAgLIEFAVSYAAAQIECBAgQIBAcwEBpLlL41zTBAgQIECAAAECBAgMQEAAGQCiIggQGKaAsgkQIECAAIEyCQggZRpNfSFAgAABAoMUUBYBAgSGICCADAFVkQQIECBAgAABAgT6ESjztgJImUdX3wgQIECAAAECBAjkTEAAydmAaE6jgGkCBAgQIECAAIEyCQggZRpNfSFAgMAgBZRFgAABAgSGICCADAFVkQQIECBAgACBfgRsS6DMAgJImUdX3wgQIECAAAECBAjkTCDnASRnWppDgAABAgQIECBAgEBfAgJIX3w2JlBiAV0jQIAAAQIECAxBQAAZAqoiCRAgQIBAPwK2JUCAQJkFBJAyj66+ESBAgAABAgQIdCNg3REICCAjQFYFAQIECBAgQIAAAQJPCAggTzj4b6OAaQIECBAgQIAAAQJDEBBAhoCqSAIECPQjYFsCBAgQIFBmAQGkzKOrbwQIECBAgEA3AtYlQGAEAgLICJBVQYAAAQIECBAgQIDAEwLNA8gTy/yXAAECBAgQIECAAAECAxUQQAbKqTAC/QsogQABAgQIECBQZgEBpMyjq28ECBAg0I2AdQkQIEBgBAICyAiQVUGAAAECBAgQIJAlYFmVBASQKo22vhIgQIAAAQIECBAYs4AAMuYBaKzeNAECBAgQIECAAIEyCwggZR5dfSNAoBsB6xIgQIAAAQIjEBBARoCsCgIECBAgQCBLwDICBKokGAI7SAAAA6JJREFUIIBUabT1lQABAgQIECBAgMBUgTG8F0DGgK5KAgQIECBAgAABAlUVEECqOvL63ShgmgABAgQIECBAYAQCAsgIkFVBgAABAlkClhEgQIBAlQQEkCqNtr4SIECAAAECBKYKeE9gDAICyBjQVUmAAAECBAgQIECgqgICyBMj778ECBAgQIAAAQIECIxAQAAZAbIqCBDIErCMAAECBAgQqJKAAFKl0dZXAgQIECAwVcB7AgQIjEFAABkDuioJECBAgAABAgSqLVDl3gsgVR59fSdAgAABAgQIECAwYgEBZMTgqmsUME2AAAECBAgQIFAlAQGkSqOtrwQIEJgq4D0BAgQIEBiDgAAyBnRVEiBAgAABAtUW0HsCVRYQQKo8+vpOgAABAgQIECBAYMQCYw4gI+6t6ggQIECAAAECBAgQGKuAADJWfpUTGKOAqgkQIECAAAECYxAQQMaArkoCBAgQqLaA3hMgQKDKAgJIlUdf3wkQIECAAAEC1RLQ2xwICCA5GARNIECAAAECBAgQIFAVAQGkKiPd2E/TBAgQIECAAAECBMYgIICMAV2VBAhUW0DvCRAgQIBAlQUEkCqPvr4TIECAAIFqCegtAQI5EBBAcjAImkCAAAECBAgQIECg3AJP9k4AedLCOwIECBAgQIAAAQIEhiwggAwZWPEEGgVMEyBAgAABAgSqLCCAVHn09Z0AAQLVEtBbAgQIEMiBgACSg0HQBAIECBAgQIBAuQX0jsCTAgLIkxbeESBAgAABAgQIECAwZAEBZMjAjcWbJkCAAAECBAgQIFBlAQGkyqOv7wSqJaC3BAgQIECAQA4EBJAcDIImECBAgACBcgvoHQECBJ4UEECetPCOAAECBAgQIECAQLkEctgbASSHg6JJBAgQIECAAAECBMoqIICUdWT1q1HANAECBAgQIECAQA4EBJAcDIImECBAoNwCekeAAAECBJ4UEECetPCOAAECBAgQIFAuAb0hkEMBASSHg6JJBAgQIECAAAECBMoqUJUAUtbx0y8CBAgQIECAAAEChRIQQAo1XBpLoIgC2kyAAAECBAgQeFJAAHnSwjsCBAgQIFAuAb0hQIBADgUEkBwOiiYRIECAAAECBAgUW0DrWwsIIK1tLCFAgAABAgQIECBAYMACAsiAQRXXKGCaAAECBAgQIECAwJMCAsiTFt4RIECgXAJ6Q4AAAQIEcigggORwUDSJAAECBAgQKLaA1hMg0Frg/wMAAP//O0cyPgAAAAZJREFUAwDojbP3oHUQrgAAAABJRU5ErkJggg==" alt="2025 연말정산 홈택스" /></div> <div style="text-align: center; margin-bottom: 20px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 최상단 고정 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="3059633324" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <div style="background-color: #f3f4f6; padding: 20px; border-radius: 12px; border: 1px solid #E5E7EB; margin-bottom: 30px;"> <h3 style="margin-top: 0; font-weight: bold; border-bottom: 2px solid #374151; padding-bottom: 10px; margin-bottom: 15px;" data-ke-size="size23">목차</h3> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><a href="#section-1">2025년 연말정산의 중요성</a></li> <li><a href="#section-2">홈택스 연말정산 서비스 이해</a></li> <li><a href="#section-3">주요 변경사항 및 유의사항</a></li> <li><a href="#section-4">자주 묻는 질문(FAQ)</a></li> <li><a href="#section-5">연말정산 성공을 위한 팁</a></li> </ul> </div> <p data-ke-size="size16">매년 초 직장인들의 중요한 관심사인 연말정산은 세금 환급의 기회가 되는 동시에 복잡하고 어려운 절차로 인식되어 왔습니다. 특히 2025년 연말정산은 최근 개정된 세법이 적용되어 더욱 면밀한 준비가 요구됩니다. 본 문서는 2025년 연말정산을 국세청 홈택스를 통해 효율적으로 진행하고, 최대의 절세 효과를 달성할 수 있도록 실질적인 정보를 제공하는 데 목적이 있습니다.</p> <h2 data-ke-size="size26">개요: 2025년 연말정산과 홈택스</h2> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g56b5104da531c3fcff9b4636f5731bfbfc23eb57bfb4b88a2548f56e97155ad3bff8c5fb3418da70f2212728d7000386b4c97d27c1d77c436b57dbd0d5bc77ef_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge5b88fc60e4097f11c5e3dd34c0f17a362c882baed96cf64c090963df149bf0e46a2dd41ad1406f05c9a93286f2f54d5343e244eacc33944519f5de25f5f293b_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gae9aa8d48cdf5e230cddf994c386a833b83d2894ceb1e17f9614eab17a098c705e76463a616edce085082d458ab23ebf04792f714439995e6cb3fcf715f7723a_640.jpg" /></div> </div> <p data-ke-size="size16">연말정산은 근로소득에 대한 세금을 정산하는 과정으로, 한 해 동안 납부한 세금 중 실제 부담해야 할 세액보다 많이 냈을 경우 이를 환급받거나 추가 납부하는 절차입니다. 2025년 연말정산은 2024년 귀속 소득에 대한 정산이며, 국세청 홈택스(hometax.go.kr)는 이 모든 과정을 온라인으로 편리하게 처리할 수 있도록 지원하는 핵심적인 플랫폼입니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #fcf4f4; border-radius: 12px; border: 1px solid #fecaca; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #b91c1c; font-size: 1.05em;" data-ke-size="size16"> 추천 기사: 2024년 귀속 연말정산, 달라지는 주요 세법 개정사항 및 절세 전략</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #dc2626; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #991b1b;" href="https://www.yonhapnewstv.co.kr/news/MYH20241020000100038" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <h2 id="section-1" data-ke-size="size26">1. 2025년 연말정산의 중요성</h2> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ga37b37879d4da29f8969574afe6ac3406fac1480a6768f6ae56037656da64cf7848a61106083b1bb30e0855c6cb239ba6745af44254f49c906a2efe2c1fbce36_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g273d3f04a3be7985b8d7226e3e6d5344e35505540932cc80e1c3aede317864c9f934675f7ff3892d1114eef87b157c5b7b30f7075e1b6b92089d182d4e93128f_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g57cf530480f2334ca9c4ecd276958b3448e1b780e0c208d8fcabc0ff89e36254b02a608a8bef219cab7b711d5e948ae7ed3b9117c8749064b5806ff83c75d3fb_640.jpg" /></div> </div> <p data-ke-size="size16">연말정산은 단순한 세금 환급을 넘어 근로소득자의 재정 관리에 직접적인 영향을 미치는 중요한 제도입니다. 정밀한 자료 준비와 정확한 신고는 예상치 못한 세금 폭탄을 피하고, 최대한의 환급액을 돌려받아 가계 경제에 기여할 수 있는 기회를 제공합니다. 특히 매년 달라지는 세법 개정사항을 파악하는 것이 중요하며, 2025년에는 특정 공제 항목에 대한 변경사항이 있을 수 있어 주의가 필요합니다.</p> <h2 id="section-2" data-ke-size="size26">2. 홈택스 연말정산 서비스 이해</h2> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gd9d1961b407b615291a8a47d2c22b5dc94a0ee24c1e0327edb79a2cbebf5af0dae3d4e34c85aeee2484e844d44d7efb256546a8c657e4a18c385215283c08c78_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g095a29bd52e4dc5a7ac339735e7fcbfa5046c0e47c2ba693270607deb30c0697b9de426aca5153f6b9e3ee35e3671379de2c721826e6ee48e8a3f0d52aeb2e79_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge97284f0aa2fbad08482b99441bce8ea55a4e181d1241dc08702f20752dc659c362ba955332599b9e643fca9e0e6e9472f2e80ad738896200670ad01458895a6_640.jpg" /></div> </div> <p data-ke-size="size16">국세청 홈택스는 연말정산의 모든 과정을 온라인에서 간편하게 처리할 수 있도록 다양한 서비스를 제공합니다.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li> <b>연말정산 간소화 서비스:</b> 보험료, 의료비, 교육비, 신용카드 등 공제 증명자료를 국세청이 미리 수집하여 제공함으로써 납세자의 자료 준비 부담을 경감합니다.</li> <li> <b>공제신고서 작성:</b> 간소화 서비스 자료를 바탕으로 공제신고서를 작성하고 회사에 제출하는 기능을 제공합니다.</li> <li> <b>예상세액 계산:</b> 간소화 자료와 본인이 입력한 추가 정보를 토대로 연말정산 예상 세액을 미리 계산하여 환급액 또는 추가 납부액을 예측할 수 있도록 돕습니다.</li> <li> <b>편리한 제출 기능:</b> 작성된 공제신고서 및 증명자료를 회사에 온라인으로 제출할 수 있어 종이 서류 제출의 번거로움을 줄여줍니다.</li> </ul> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 국세청 홈택스</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.hometax.go.kr/" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <div style="text-align: center; margin: 30px 0;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 중간 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="6479636020" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <h2 id="section-3" data-ke-size="size26">3. 주요 변경사항 및 유의사항</h2> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g313b08c3a5f8772e97a99c4aa0df9a5aef8b86d6b6dc786f564fc1f56f6ae3caae5db209580303744b1eb34c5303e54c80aed3ab6340ee92f75d32768e7cec3a_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gb8490d7b837d7ac97e356fab79fc329b8b34035b8f0a032167ba629ef9165dd29643b90ff9ffe81f3d86836fafcd9ea1e9e30717c161bcf6626f933e37b8e1fe_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g683c7686704d05b8d8a8935c924dbdddd28f0e33caea43cc17660aad889fa6f67c4465adaf7475bd99b89fa45ae8ce02264b82ba1a75be76cdc273ba87371e07_640.jpg" /></div> </div> <p data-ke-size="size16">2025년 연말정산(2024년 귀속)에는 전년 대비 일부 세법 개정사항이 반영될 수 있습니다. 납세자는 국세청 발표 자료를 통해 정확한 변경사항을 확인해야 합니다. 일반적으로 다음과 같은 사항들을 유의할 필요가 있습니다.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li>✅ <b>공제율 및 한도 변경:</b> 소득공제 및 세액공제 항목별 공제율이나 한도가 변경될 수 있습니다.</li> <li> <b>새로운 공제 항목 도입 또는 폐지:</b> 정책적 목적에 따라 특정 공제 항목이 신설되거나 폐지될 수 있습니다.</li> <li> <b>자료 제출 오류 방지:</b> 간소화 서비스에서 제공되지 않는 자료(예: 월세액 공제, 기부금 등)는 납세자가 직접 준비하여 제출해야 하며, 누락이나 오류가 없도록 주의해야 합니다.</li> <li> <b>정확한 본인 인증:</b> 홈택스 서비스 이용 시 공동인증서, 금융인증서 등 정확한 본인 인증 절차가 필수입니다.</li> </ul> <h2 id="section-4" data-ke-size="size26">4. 자주 묻는 질문(FAQ)</h2> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g45211da4eccd7cdafd203b33224b34c3de7db6e554719bf7f8ca6fc4abd20308d597afda1e5b0ab1f058d3952a8d79a1b26e84a820eaf2d203af11f4efb1e93f_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g3c3e5dc6b5e7237add63721330645801bd5105c238a0d23e4151169fc2c210d66a565e81528a2c2a62fa8f5ea9deb9cad6151f7d7645ef72e14bc3325fcc8a15_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g9e817f135c30061c55ceb4c619f4e94f0a61b3012cf390247ec677d710b4aa967c0291d539fe1f1927140b18d6f982d8e84cbd2466dc0ccf3bc6c6fa7c408c03_640.jpg" /></div> </div> <h3 data-ke-size="size23">Q1: 연말정산 간소화 자료가 누락된 경우 어떻게 해야 하나요?</h3> <p data-ke-size="size16">A: 누락된 자료는 해당 기관(예: 병원, 보험사)에 직접 요청하여 발급받은 후, 회사에 제출하거나 '연말정산 경정청구'를 통해 수정 신고할 수 있습니다.</p> <h3 data-ke-size="size23">Q2: 부양가족 공제는 어떻게 적용받을 수 있나요?</h3> <p data-ke-size="size16">A: 일정한 소득 요건(연간 소득금액 100만원 이하 등)과 나이 요건(만 20세 이하 또는 만 60세 이상 등)을 충족하는 부양가족에 대해 기본공제 및 추가 공제가 적용됩니다. 홈택스에서 부양가족 자료 제공 동의 절차를 완료해야 합니다.</p> <h3 data-ke-size="size23">Q3: 홈택스에서 미리 채움 서비스를 이용하면 모든 것이 자동으로 해결되나요?</h3> <p data-ke-size="size16">A: '미리 채움' 서비스는 대부분의 간소화 자료를 자동으로 불러오지만, 납세자가 직접 입력해야 하는 자료(예: 주택 관련 공제, 종교단체 기부금 등)나 확인해야 할 부분이 여전히 존재합니다. 따라서 최종 제출 전 반드시 본인이 꼼꼼히 검토해야 합니다.</p> <h2 id="section-5" data-ke-size="size26">5. 연말정산 성공을 위한 팁</h2> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gbe00b997bacadc25070a8f5da908a3f218ce23e29d1597825bf9f25ca1a4f6bdd4c9856c5461cdf615a0f63bed68edbe42cc5763d5d4e922531530de83b0a81f_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g43ede0bfcc7871d58e8c8899456d642d5423cfbed457e3ff669a7cea7749c6f6c4bb09282b23f916f00f2758b0a0877e9c4ffdff58b24e34705f5fc2fbfb23c0_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g48652214ffb0e8df27b7713936c0c5e6a8c179af58eb95bdaff14aef2b6bd4987588c828f6072e3ee5419e6e02d8c0c192f171ac1407184d689617237eab0393_640.jpg" /></div> </div> <blockquote data-ke-style="style1">연말정산은 13월의 월급이 될 수도, 13월의 세금 폭탄이 될 수도 있습니다. 철저한 준비만이 성공의 지름길입니다.</blockquote> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li> ️ <b>정확한 일정 파악:</b> 국세청이 발표하는 연말정산 간소화 서비스 개통일, 자료 제출 마감일 등 주요 일정을 미리 확인합니다.</li> <li> <b>자료 꼼꼼히 확인:</b> 간소화 서비스 자료 외에도 추가 공제 가능 자료(주택 마련 저축, 기부금 영수증 등)를 미리 준비하고 확인합니다.</li> <li> &zwj; &zwj; &zwj; <b>부양가족 자료 동의:</b> 부양가족의 연말정산 자료 제공 동의 여부를 확인하고, 필요한 경우 동의 절차를 진행합니다.</li> <li> <b>홈택스 모의 계산 활용:</b> 연말정산 간소화 서비스 개통 후 '예상세액 계산' 서비스를 적극 활용하여 본인의 환급액을 미리 예측하고 절세 전략을 수립합니다.</li> <li>❓ <b>궁금증 해결:</b> 연말정산 관련 궁금증은 국세청 홈택스 상담센터(국번없이 126)나 세무 전문가의 도움을 받습니다.</li> </ul> <h2 data-ke-size="size26">결론</h2> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g03de3f9c3e4c72c49bb92b07394042f9bd58e96c6a0ebfee87801c95335a1804dd7353d400512bb9525d6500d15ed9db2acf4fd79629cf5906b0408659c68e81_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g40def6614514862a5cd0e0c269d18782cc22c6158086b0633756c57da6eb89bb1b81589935f417efbedee5cf5ddc74ea_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g91eeca2ae329ccc5be1b5a91551745150341c2af2ae0e5a787e7428260ce7a46e9f02338b13697f8df919f06d2f5622e_640.jpg" /></div> </div> <p data-ke-size="size16">2025년 연말정산은 홈택스를 통해 보다 간편하고 효율적으로 진행될 수 있습니다. 달라지는 세법 내용을 정확히 파악하고, 홈택스의 다양한 서비스를 적극적으로 활용하며, 필요한 자료를 꼼꼼히 준비한다면 성공적인 연말정산을 통해 최대의 절세 효과를 거둘 수 있을 것입니다. 본 문서가 납세자 여러분의 연말정산 준비에 실질적인 도움이 되기를 바랍니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 국세청 홈택스</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.hometax.go.kr/" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <div style="text-align: center; margin-top: 30px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 하단 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="2540391017" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> 밥챙겨주는사람 https://eatfirstblog.tistory.com/34 https://eatfirstblog.tistory.com/34#entry34comment Fri, 12 Dec 2025 12:10:43 +0900 https://eatfirstblog.tistory.com/33 <div style="text-align: center; margin-bottom: 30px;"><img src="data:image/png;base64,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" alt="2025 연말정산 특별공제" style="max-width: 100%; height: auto; border-radius: 8px;" /></div> <div style="text-align: center; margin-bottom: 20px;"> <script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808" crossorigin="anonymous"></script> <!-- [디스플레이, 사각형, 반응형] 최상단 고정 광고 --> <ins class="adsbygoogle" style="display:block" data-ad-client="ca-pub-4852002847348808" data-ad-slot="3059633324" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <div style="background-color: #F3F4F6; padding: 20px; border-radius: 12px; border: 1px solid #E5E7EB; margin-bottom: 30px;"> <h3 style="margin-top:0; font-weight:bold; border-bottom: 2px solid #374151; padding-bottom:10px; margin-bottom:15px;">목차</h3> <ul> <li><a href="#section-1">특별공제란 무엇인가?</a></li> <li><a href="#section-2">보험료 공제 심층 분석</a></li> <li><a href="#section-3">의료비 공제 적용 기준</a></li> <li><a href="#section-4">교육비 공제 범위 및 주의사항</a></li> <li><a href="#section-5">기부금 공제 제도 활용</a></li> <li><a href="#section-6">주택자금 관련 특별공제</a></li> </ul></div><p>매년 연말정산 시 복잡한 세법 규정으로 인해 많은 납세자가 공제 혜택을 온전히 누리지 못하는 경우가 발생함. 특히 특별공제는 소득 및 지출 상황에 따라 적용 가능 여부와 공제 한도가 달라지므로, 사전에 정확히 이해하고 준비하는 것이 중요함. 본 문서는 2025년 연말정산을 대비하여 특별공제의 주요 항목과 세부 적용 기준을 명확히 제시함으로써, 납세자가 최대 절세 효과를 달성할 수 있도록 돕고자 함.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g9e5518416e4c69d5d51628f986f676aa5fc55ba8145d719e9f8742c646522fa35685718b409f0ab00b2319cd68307aaec45e0ee0c8d0abb107779ddcce1751cb_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g40c99c20035a2840272345a56e209f2b0076f1f1efac25a32be1e7f52703d48621c31f06c1f847c9690a25b64e4b931e19b2d99016d698774f9ae8cba16e451c_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g2b3bcc9b00d3008379127900a3963fd408a5d484cde5c2f2ab2b3fd78c30d4b1cb3c1abfd7ae266bf6a38e246ac199d2f4ec64fcf8200843f24cee0e906fe300_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>2025년 연말정산 특별공제는 근로소득자가 부담하는 특정 지출에 대해 소득공제 또는 세액공제를 적용하여 세금 부담을 경감하는 제도임. 이는 근로자의 실질적인 경제적 부담을 고려하여 설계되었으며, 성실한 납세자가 받을 수 있는 합법적인 절세 혜택 중 하나로 기능함. 특별공제를 정확히 이해하고 관련 자료를 철저히 준비하는 것은 성공적인 연말정산의 필수 조건임.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g2c5d44a837c276e5b33389e51e4abe2ecbc66a966f48fe0431ce39a5b0f954b2b51cb7d98c049e10e1d2fdb68d1b29745de047a60f92e3334fdce41e815cbbce_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gfcb0853e0c00585a650a3dadfcb630d839072834e2eb3c4e3fed08f1da38277449fe55a2342c47d45521e94781a2d33a8b39f04831d547dc5dbf5845970e961d_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gbf262c786325416282ff5e5a57adb00aec5df3e90ff4a7f20bac557c42b130c3ecd88fcf97b2bbe907cfc9a87e8ce7c38b9be92842291e4e1f7051f34c34bda4_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><h2 id="section-1">특별공제란 무엇인가?</h2><p>특별공제는 근로소득자의 생활 안정과 복지 증진을 목적으로 특정 지출 항목에 대해 소득에서 공제하는 제도임. 주요 항목으로는 보험료 공제, 의료비 공제, 교육비 공제, 기부금 공제 등이 있으며, 각 항목별로 공제 요건, 한도, 증빙 서류 등이 상이함. 2025년 연말정산에서는 기존 규정 유지 또는 일부 변경 사항이 적용될 수 있으므로 최신 세법 개정 내용을 확인하는 것이 중요함.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g80fb7c747d80c1b28b9d4ab5adda22f6cad090a40e948376c07d9601e9108ed451028d720b757f1e2001c8606b97862f7ff68f5764254bf18ef8c28e99e1ecb4_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g7bf60d83c96762439484a46597ac564725f9a95aea669ad373cc29bab0c147fe1e9f87afcc4fb90ff090e58bc2295a250a1ba092b9b872d60f3db0be83c15f7c_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gaab952916edcbdd700c0f08bca9119abbca2959a916bfb9667756d9af9e81ef9387c33402e48bd8ecb9832219e204b9c684bf74a5c66540d99d6adbf01aae3ac_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><ul> <li> <strong>소득공제와 세액공제 구분:</strong> 특별공제는 소득공제와 세액공제로 나뉘어짐. 소득공제는 과세표준을 줄여 세율이 적용되는 금액을 낮추는 방식이며, 세액공제는 산출된 세액 자체에서 일정 금액을 직접 차감하는 방식임.</li> <li> <strong>적용 대상:</strong> 근로소득이 있는 거주자로서 소득세법상 일정 요건을 충족하는 경우에 적용됨. 부양가족에 대한 공제는 해당 부양가족의 소득 요건 및 나이 요건을 충족해야 함.</li></ul> <div style="margin: 30px 0; padding: 20px; background-color: #fcf4f4; border-radius: 12px; border: 1px solid #fecaca; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #b91c1c; font-size: 1.05em;"> 추천 기사: 미리 준비하는 2025 연말정산...달라지는 공제 항목은?</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g25082da99ed198dd8fec4026478475f2a9dfe0050ade1e7707a6f8fdc2248b63f704929992c85fcd156f86dcfb51525fe8bab5bfc0ed4cf32a746167d61faa46_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g0397ca958eeb6c5d6fb71d947cabb9c474a8cfc3ba9b02886ddf1f837840b333399512ccc0464b4e804cebfd18e5d3d140a2d3dfb99bf808f0a4eacd43d9fcdb_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g7c4383c4b46d8885712c24b1efb74c3f902a160dc190d17e2dd6df872b6c9398f628ce60bf463a0879c1b24f9452aca414a03b9d712c35c4594c5fcb90759077_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div> <a href="https://www.fnnews.com/news/202409051806307771" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #dc2626; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #991b1b;"> <span> 바로가기 Click</span> </a> </div> <h2 id="section-2">보험료 공제 심층 분석</h2><p>보험료 공제는 근로소득자가 본인 및 기본공제 대상자를 위해 지출한 보험료에 대해 소득을 공제하는 제도임. 보장성 보험료와 장애인 전용 보장성 보험료로 구분됨.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g0c08baf079d004fcc82c17fc3ec0cad5917c9b44f8a950d3db2a4907f4a67ef36a3c0ffd725146682d751f209676aea413cc47d4788f3321ac0f915f4ef9f3fc_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g3b75f2d9bf3b591730f1fd6d2d5e389179cf1c62082429766a1b4c601765ec43746da7d5b441b71f36f6d6854672c2633242e994fea56e3eecca32b6a296d909_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gf91fce96ebe8909b1571810cb068814867846ad02b88f28c20a4d9b17cf7bfb13fe6cf8234a08a2dd718d1cebb7242872401900174040b4ac5c62555a41c6b46_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><ul> <li>✔️ <strong>보장성 보험료:</strong> 본인 및 기본공제 대상자를 피보험자로 하는 보장성 보험(생명보험, 상해보험 등)의 납입액에 대해 연 100만 원 한도로 12%의 세액공제를 적용함.</li> <li>♿ <strong>장애인 전용 보장성 보험료:</strong> 장애인 전용 보장성 보험의 납입액에 대해 연 100만 원 한도로 15%의 세액공제를 적용함. 기본공제 대상자 중 장애인만 해당함.</li> <li> <strong>주의사항:</strong> 보험료 계약자와 피보험자가 다른 경우 공제 적용 여부가 달라질 수 있으므로, 반드시 확인이 필요함. 저축성 보험은 공제 대상에서 제외됨.</li></ul><h2 id="section-3">의료비 공제 적용 기준</h2><p>의료비 공제는 근로소득자가 본인 및 기본공제 대상자를 위해 지출한 의료비에 대해 세액공제를 적용하는 제도임. 지출액의 일정 비율을 공제하며, 총급여액의 3%를 초과하는 금액에 대해서만 공제가 가능함.</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g77abf8d549daf8ad8ae4112c57c8229571ddb8298be58eac4914d414d1842246e9adada057a6ffa464cc7413efd84d45bc96d5c4e700e07111cfcbbf9981d548_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gf628eed19a862253c013b628a94a5cf1da49a608b4a00b27186321e8d933008a6e829c034d277f4c854e141878bbc94c7cb70fc504e7d2c2de3db4fb9df1f998_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g13e1036de93d9207227bbd450deb69587a4dd7001b5a94758b94bc62e03724b620698e75155ba136c71f9eb922e1e065c88c18353103827753e853add8072ce2_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><ul> <li> <strong>공제 대상 의료비:</strong> 진찰료, 치료비, 약값, 수술비, 임플란트 비용, 시력 보정용 안경·콘택트렌즈 구입비(1인당 연 50만원 한도), 보청기 구입비 등이 포함됨.</li> <li>❌ <strong>비공제 대상:</strong> 미용·성형수술 비용, 건강증진 의약품 구입비, 간병비 등은 공제 대상에서 제외됨.</li> <li> <strong>공제 한도:</strong> 일반 의료비는 연 700만 원, 난임 시술비는 한도 없이, 본인·장애인·경로자(만 65세 이상) 의료비는 한도 없이 공제됨. 총급여액의 3% 초과분부터 공제됨을 유의해야 함.</li></ul> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;"> 공식 사이트: 국세청</p><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g354766f4345c7656bf863bfdac1c23907e59b4b8b195929db2d4144226a9adf7236d74ecdd0a3fed64e5b994811377b48b2df06278ba1d3bfd5cb30ec4d9d85e_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g38cbca69e95331b96055436163a3d240769fdf38f496ab11e41319a578f6a494ab8eaade9d201e3b4488ef0026426dc5_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g834546121874721412c923c9cc8b939f56f8f494294b4d484234a253500e9277effc693de84ef153edf1e1694a8c92a9580a2cfd8764d236c4d479d26348c97e_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div> <a href="https://www.nts.go.kr" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;"> <span> 바로가기 Click</span> </a> </div> <div style="text-align: center; margin: 30px 0;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 중간 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="6479636020" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <h2 id="section-4">교육비 공제 범위 및 주의사항</h2><p>교육비 공제는 근로소득자가 본인 및 기본공제 대상자를 위해 지출한 교육비에 대해 세액공제를 적용하는 제도임. 교육비의 종류와 대상자에 따라 공제율 및 한도가 다르게 적용됨.</p><ul> <li> <strong>본인 교육비:</strong> 대학교·대학원 등록금, 학자금 대출 원리금 상환액 등 전액 공제됨. (취학 전 아동, 초중고생 교육비 공제는 본인에 해당하지 않음.)</li> <li> ‍ ‍ ‍ <strong>부양가족 교육비:</strong> <ul> <li>✨ <strong>취학 전 아동:</strong> 학원비, 보육료 등 1인당 연 300만 원 한도.</li> <li> <strong>초·중·고등학생:</strong> 수업료, 학교급식비, 교과서 대금, 교복 구입비(1인당 연 50만 원 한도) 등 1인당 연 300만 원 한도.</li> <li> ️ <strong>대학생:</strong> 대학교 등록금 등 1인당 연 900만 원 한도.</li> </ul> </li> <li>⛔ <strong>주의사항:</strong> 장학금 등 비과세 소득으로 받은 교육비는 공제 대상에서 제외됨. 형제자매나 직계존속을 위한 교육비는 공제되지 않음.</li></ul><h2 id="section-5">기부금 공제 제도 활용</h2><p>기부금 공제는 근로소득자가 법정기부금, 지정기부금 등을 지출한 경우 세액공제를 적용하는 제도임. 기부금의 종류에 따라 공제율과 한도가 달라지며, 이월공제도 가능함.</p><ul> <li> <strong>공제 대상 기부금:</strong> <ul> <li> <strong>법정기부금:</strong> 국가, 지방자치단체, 국방헌금, 이재민 구호금, 사회복지공동모금회 등에 지출한 기부금. 소득금액의 100% 한도.</li> <li> <strong>지정기부금:</strong> 종교단체, 의료법인, 사회복지법인 등에 지출한 기부금. 개인은 소득금액의 30% (종교단체 기부금은 10%) 한도.</li> </ul> </li> <li> <strong>이월공제:</strong> 기부금 공제 한도를 초과하여 공제받지 못한 금액은 일정 기간(법정기부금 10년, 지정기부금 5년) 이내에 이월하여 공제받을 수 있음.</li> <li> <strong>증빙 서류:</strong> 기부금 단체에서 발행한 기부금 영수증이 필수임.</li></ul><h2 id="section-6">주택자금 관련 특별공제</h2><p>주택자금 관련 특별공제는 근로소득자의 주거 안정을 지원하기 위한 제도로, 주택마련저축, 주택임차차입금 원리금 상환액, 장기주택저당차입금 이자상환액 공제 등이 있음.</p><ul> <li> <strong>주택마련저축 소득공제:</strong> 무주택 세대주인 근로자가 주택청약종합저축 등에 납입한 금액의 40%를 연 240만 원 한도로 소득공제함. 총급여 7천만원 이하 요건 충족 시 적용 가능.</li> <li> <strong>주택임차차입금 원리금 상환액 공제:</strong> 무주택 세대주인 근로자가 금융기관 등으로부터 주택 전세자금 또는 월세 보증금을 빌린 경우, 그 원리금 상환액의 40%를 연 400만 원 한도로 공제함.</li> <li> <strong>장기주택저당차입금 이자상환액 공제:</strong> 주택 취득을 위해 금융기관 등으로부터 장기 주택 저당 차입금을 빌린 경우, 그 이자 상환액에 대해 주택 규모 및 대출 시점에 따라 연 300만 원에서 1,800만 원 한도로 소득공제함.</li> <li>⚠️ <strong>공통 요건:</strong> 해당 공제들은 무주택 세대주 요건, 주택의 기준시가 요건 등을 충족해야 하며, 중복 적용에 제한이 있을 수 있으므로 세부 규정 확인이 필수임.</li></ul><p>2025년 연말정산 특별공제는 근로소득자의 세 부담을 효과적으로 줄일 수 있는 중요한 절세 항목임. 보험료, 의료비, 교육비, 기부금, 주택자금 관련 공제 등 각 항목의 공제 요건과 한도를 정확히 파악하고, 필요한 증빙 서류를 미리 준비하는 것이 핵심임. 매년 변경되는 세법 내용을 주시하고, 국세청 홈택스 등 공식 경로를 통해 최신 정보를 확인하여 성공적인 연말정산을 준비하시기 바람.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;"> 공식 사이트: 국세청</p> <a href="https://www.nts.go.kr" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;"> <span> 바로가기 Click</span> </a> </div> <div style="text-align: center; margin-top: 30px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 하단 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="2540391017" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> 밥챙겨주는사람 https://eatfirstblog.tistory.com/33 https://eatfirstblog.tistory.com/33#entry33comment Fri, 12 Dec 2025 09:50:48 +0900 https://eatfirstblog.tistory.com/32 <div style="text-align: center; margin-bottom: 30px;"><img 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gQIECBAgEAeBdSpaAICkKL1mPoSIECAAAECBAgQKLCAAKTAnddYdfMECBAgQIAAAQIE8i4gAMl7D6kfAQJFEFBHAgQIECBAoEMBAUiHUJIRIECAAAECeRRQJwIEiiYgAClaj6kvAQIECBAgQIAAgTwI9FgHAUiPcDYjQIAAAQIECBAgQKB7AQFI92a2INAoYJ4AAQIECBAgQKBDAQFIh1CSESBAgEAeBdSJAAECBIomIAApWo+pLwECBAgQIEAgDwLqQKBHAQFIj3A2I0CAAAECBAgQIECgewEBSPdmjVuYJ0CAAAECBAgQIECgQwEBSIdQkhEgkEcBdSJAgAABAgSKJiAAKVqPqS8BAgQIEMiDgDoQIECgRwEBSI9wNiNAgAABAgQIECAwDoGilykAKXoPqj8BAgQIECBAgACBAgkIQArUWaraKGCeAAECBAgQIECgaAICkKL1mPoSIEAgDwLqQIAAAQIEehQQgPQIZzMCBAgQIECAwDgElEmg6AICkKL3oPoTIECAAAECBAgQKJBAgQOQAimrmSch2gAAEABJREFUKgECBAgQIECAAAECdQEBSJ3BPwQIdCUgMQECBAgQIECgRwEBSI9wNiNAgAABAuMQUCYBAgSKLiAAKXoPqj8BAgQIECBAgMAoBJQxIAEByIAgZUOAAAECBAgQIECAQHsBAUh7IykaBcwTIECAAAECBAgQ6FFAANIjnM0IECAwDgFlEiBAgACBogsIQIreg+pPgAABAgQIjEJAGQQIDEhAADIgSNkQIECAAAECBAgQINBeoPsApH2eUhAgQIAAAQIECBAgQKCpgACkKYuFBPIpoFYECBAgQIAAgaILCECK3oPqT4AAAQKjEFAGAQIECAxIQAAyIEjZECBAgAABAgQIDENAnmUTEICUrUe1hwABAgQIECBAgECOBQQgOe6cxqqZJ0CAAAECBAgQIFB0AQFI0XtQ/QkQGIWAMggQIECAAIEBCQhABgQpGwIECBAgQGAYAvIkQKBsAgKQsvWo9hAgQIAAAQIECBAYhMCQ8hCADAlWtgQIECBAgAABAgQIzCogAJnVxBICjQLmCRAgQIAAAQIEBiQgABkQpGwIECBAYBgC8iRAgACBsgkIQMrWo9pDgAABAgQIEBiEgDwIDElAADIkWNkSIECAAAECBAgQIDCrgABkVpPGJeYJECBAgAABAgQIEBiQgABkQJCyIUBgGALyJECAAAECBMomIAApW49qDwECBAgQGISAPAgQIDAkAQHIkGBlS4AAAQIECBAgQKAXgbJvIwApew9rHwECBAgQIECAAIEcCQhActQZqtIoYJ4AAQIECBAgQKBsAgKQsvWo9hAgQGAQAvIgQIAAAQJDEhCADAlWtgQIECBAgACBXgRsQ6DsAgKQsvew9hEgQIAAAQIECBDIkUCOA5AcKakKAQIECBAgQIAAAQIDERCADIRRJgRKJqA5BAgQIECAAIEhCQhAhgQrWwIECBAg0IuAbQgQIFB2AQFI2XtY+wgQIECAAAECBDoRkGZEAgKQEUErhgABAgQIECBAgACBlAQgPgWzClhCgAABAgQIECBAYEgCApAhwcqWAAECvQjYhgABAgQIlF1AAFL2HtY+AgQIECBAoBMBaQgQGJGAAGRE0IohQIAAAQIECBAgQKDZNSBUCBAgQIAAAQIECBAgMCQBZ0CGBCtbAr0I2IYAAQIECBAgUHYBAUjZe1j7CBAgQKATAWkIECBAYEQCApARQSuGAAECBAgQIECgmYBlVRMQgFStx7WXAAECBAgQIECAwBgFBCBjxG8s2jwBAgQIECBAgACBsgsIQMrew9pHgEAnAtIQIECAAAECIxIQgIwIWjEECBAgQIBAMwHLCBComoAApGo9rr0ECBAgQIAAAQIEQmBMkwBkTPCKJUCAAAECBAgQIFBFAQFIFXtdmxsFzBMgQIAAAQIECIxIQAAyImjFECBAgEAzAcsIECBAoGoCApCq9bj2EiBAgAABAgRCwERgTAICkDHBK5YAAQIECBAgQIBAFQUEIClVsd+1mQABAgQIECBAgMBYBAQgY2FXKAECTwj4lwABAgQIEKiagACkaj2uvQQIECBAIARMBAgQGJOAAGRM8IolQIAAAQIECBCopkDVWy0AqfonQPsJECBAgAABAgQIjFBAADJCbEU1CpgnQIAAAQIECBComoAApGo9rr0ECBAIARMBAgQIEBiTgABkTPCKJUCAAAECBKopoNUEqi4gAKn6J0D7CRAgQIAAAQIECIxQYIwByAhbqSgCBAgQIECAAAECBHIhIADJRTeoBIERCyiOAAECBAgQIDAmAQHImOAVS4AAAQLVFNBqAgQIVF1AAFL1T4D2EyBAgAABAgSqIaCVOREQgOSkI1SDAAECBAgQIECAQBUEBCBV6OXGNponQIAAAQIECBAgMCYBAciY4BVLgEA1BbSaAAECBAhUXUAAUvVPgPYTIECAAIFqCGglAQI5ERCA5KQjVIMAAQIECBAgQIBAOQWmt0oAMt3DHAECBAgQIECAAAECQxQQgAwRV9YEGgXMEyBAgAABAgSqLiAAqfonQPsJECBQDQGtJECAAIGcCAhActIRqkGAAAECBAgQKKeAVhGYLiAAme5hjgABAgQIECBAgACBIQoIQIaI25i1eQIECBAgQIAAAQJVFxCAVP0ToP0EqiGglQQIECBAgEBOBAQgOekI1SBAgAABAuUU0CoCBAhMFxCATPcwR4AAAQIECBAgQKAcAjlthQAkpx2jWgQIECBAgAABAgTKKCAAKWOvalOjgHkCBAgQIECAAIGcCAhActIRqkGAAIFyCmgVAQIECBCYLiAAme5hjgABAgQIECBQDgGtIJBTAQFITjtGtQgQIECAAAECBAiUUaAKAUgZ+02bCBAgQIAAAQIECBRSQABSyG5TaQJFEVBPAgQIECBAgMB0AQHIdA9zBAgQIECgHAJaQYAAgZwKCEBy2jGqRYAAAQIECBAgUEwBtc4WEIBk+1hLgAABAgQIECBAgMAABQQgA8SUVaOAeQIECBAgQIAAAQLTBQQg0z3MESBAoBwCWkGAAAECBHIqIADJaceoFgECBAgQIFBMAbUmQCBbQACS7WMtAQIECBAgQIAAAQIDFBhiADLAWsqKAAECBAgQIECAAIFSCAhAStGNGkGgQcAsAQIECBAgQCCnAgKQnHaMahEgQIBAMQXUmgABAgSyBQQg2T7WEiBAgAABAgQIFENALQsiIAApSEepJgECBAgQIECAAIEyCAhAytCLjW0wT4AAAQIECBAgQCCnAgKQnHaMahEgUEwBtSZAgAABAgSyBQQg2T7WEiBAgAABAsUQUEsCBAoiIAApSEepJgECBAgQIECAAIF8CnRXKwFId15SEyBAgAABAgQIECDQh4AApA88mxJoFDBPgAABAgQIECCQLSAAyfaxlgABAgSKIaCWBAgQIFAQAQFIQTpKNQkQIECAAAEC+RRQKwLdCQhAuvOSmgABAgQIECBAgACBPgQEIH3gNW5qngABAgQIECBAgACBbAEBSLaPtQQIFENALQkQIECAAIGCCAhACtJRqkmAAAECBPIpoFYECBDoTkAA0p2X1AQIECBAgAABAgTyIVDQWghACtpxqk2AAAECBAgQIECgiAICkCL2mjo3CpgnQIAAAQIECBAoiIAApCAdpZoECBDIp4BaESBAgACB7gQEIN15SU2AAAECBAgQyIeAWhAoqIAApKAdp9oECBAgQIAAAQIEiihQhgCkiO7qTIAAAQIECBAgQKCSAgKQSna7RhMYlIB8CBAgQIAAAQLdCQhAuvOSmgABAgQI5ENALQgQIFBQAQFIQTtOtQkQIECAAAECBMYjoNT+BAQg/fnZmgABAgQIECBAgACBLgQEIF1gSdooYJ4AAQIECBAgQIBAdwICkO68pCZAgEA+BNSCAAECBAgUVEAAUtCOU20CBAgQIEBgPAJKJUCgPwEBSH9+tiZAgAABAgQIECBAoAuBPgKQLkqRlAABAgQIECBAgAABAhMCApAJBP8TKJyAChMgQIAAAQIECiogAClox6k2AQIECIxHQKkECBAg0J+AAKQ/P1sTIECAAAECBAiMRkApJREQgJSkIzWDAAECBAgQIECAQBEEBCBF6KXGOponQIAAAQIECBAgUFABAUhBO061CRAYj4BSCRAgQIAAgf4EBCD9+dmaAAECBAgQGI2AUggQKImAAKQkHakZBAgQIECAAAECBIYjMNhcBSCD9ZQbAQIECBAgQIAAAQIZAgKQDByrCDQKmCdAgAABAgQIEOhPQADSn5+tCRAgQGA0AkohQIAAgZIICEBK0pGaQYAAAQIECBAYjoBcCQxWQAAyWE+5ESBAgAABAgQIECCQISAAycBpXGWeAAECBAgQIECAAIH+BAQg/fnZmgCB0QgohQABAgQIECiJgACkJB2pGQQIECBAYDgCciVAgMBgBQQgg/WUGwECBAgQIECAAIHBCJQ0FwFISTtWswgQIECAAAECBAjkUUAAksdeUadGAfMECBAgQIAAAQIlERCAlKQjNYMAAQLDEZArAQIECBAYrIAAZLCeciNAgAABAgQIDEZALgRKKiAAKWnHahYBAgQIECBAgACBPAoUIQDJo5s6ESBAgAABAgQIECDQg4AApAc0mxCojoCWEiBAgAABAgQGKyAAGayn3AgQIECAwGAE5EKAAIGSCghAStqxmkWAAAECBAgQINCbgK2GKyAAGa6v3AkQIECAAAECBAgQmCIgAJmC4W2jgHkCBAgQIECAAAECgxUQgAzWU24ECBAYjIBcCBAgQIBASQUEICXtWM0iQIAAAQIEehOwFQECwxUQgAzXV+4ECBAgQIAAAQIECEwRyAhApqTylgABAgQIECBAgAABAgMQEIAMAFEWBAYuIEMCBAgQIECAQEkFBCAl7VjNIkCAAIHeBGxFgAABAsMVEIAM11fuBAgQIECAAAECnQlIVREBAUhFOlozCRAgQIAAAQIECORBQACSh15orIN5AgQIECBAgAABAiUVEICUtGM1iwCB3gRsRYAAAQIECAxXQAAyXF+5EyBAgAABAp0JSEWAQEUEBCAV6WjNJECAAAECBAgQINBcYLRLBSCj9VYaAQIECBAgQIAAgUoLCEAq3f0a3yhgngABAgQIECBAYLgCApDh+sqdAAECBDoTkIoAAQIEKiIgAKlIR2smAQIECBAgQKC5gKUERisgABmtt9IIECBAgAABAgQIVFpAADKl+70lQIAAAQIECBAgQGC4AgKQ4frKnUBhBf7+6GPpnvseajnF+gE2buhZ/fNf/27ZlmjnXx95dOh1GEUB//nPf9N99z/csq0PPvy39L///W8UVRlIGVHXqHP0UbMp2hptHkhhMulI4Lbbf5/ete6eaalVd2g6bbfn0enRf/yzo7yyEv338cfT/Q/8teVnOdZFmqw8rCMwDIH43MXnr9l3Uiwry+/JMOwm8xSATEp4JUBgmsBp51yZFl9p25ZTrJ+2Qc5nrvveLS3bEu3c/5DTct6Czqp366/vSsusvnPLtm616xED2TnsrDb9p4od2ahz9FGzKdoabe6/pCrn0F3b//3v/6Tf/f6edPef72863XvfwwMJcmMHb40N9mn5WY51kaa72ktNoLnAQxMHZ6685ofpkqtuajr9+Z4HZ24Yn7v4/DX7ToplZfk9mdngIbwRgAwBVZYECBAgQIAAAQLFEfj9n+5NO+x1TNrmo0c2nX522x3DaUxFcxWAVLTjNZvAqASuuf4naa8Dvjj06eCjzk5Oe4+qV5VDgEBeBb5z489Sq+Fx41wew/Zi+F5e3dRrtAICkNF6K625gKVtBGIc/B8mjs6cePolafOdD6v/uCy83BbplYtskOJ12TV2TjvufUy6+Mob0yN/y9e1DLf+6q501vnfGvr0tUu/mx7757/aSA52dQwPivHuo/5Rf/+mn6yPjR9sa3rPLXYqYueilUPe6tt7S6dv+Ytf/q4eWE/+TTa2/wjCMLoAABAASURBVMyvfHP6BgOeO+fCa+rlr7nRfvXvhKnlR39Evwy4yNJkN6oDI70cfIm69QMd34OthseNc3kM24vhe/20zbblERCA9NmXsWPYeIFkzMfyPrPua/M4EhwXQk1OcQFuXxn2sHFcGBoXiE7WIV6LduFyD80e6CZh+I3Lb0jLv3fX9PZ375Q+fdiZ6cprflgfd/3wX/9eLyte7/rDPSl2wLfd/ai00DKbp423OyT9+rd/rK/3z/AE4u88xruP+kf9j3ffl+IiyMG0rP9cYqcidi5aOeStvv23+Ikc/vSX++uB9eTfZGP743v4iZSD/ze+S8+/6Dv18n98y+3174Sp5Ud/RL90UnKMbb+kxbj3Zsu/872fpay8773/oXTFt1qPpW/MM3a4Y6e5k7oOKs2oDoz0cvAl6jaodsqHQF4FBCBd9kz86MdRpbjA6G2r7ZheteiH0iLLb5nioqPJKeZjeaz/3DHn1X8Yuiym6+RxJPaCi69P793w42n+xT6U/m/ZzafV6XVLbJIWW2Hr9LFPn1zfMY0dp64LabNBBDnxQ7z1bkemNyy9aVrgrRult6y4zbR6vPFtH6nXL+oZ9Y16t8m249XtLiBr/NHrdv72O0a7Q3/jD29NK6z10bT9np9Pv/v9Xzp2iITfvv4naaW1d0/7HXxq+tvf/xGLTAQIEGgqEGPbW417b7Y8hjv+57//bZpXLPztnXennfc5tuk4+mb57f2pk9Iwg7WoU24nFWspEPtacSZv6pm9Qb8/4NAzWpZvxXAFZgw3+/LkHoFH7FyvvM4e6V3v3zN96azLUxzVy2phrP/8Fy+snxp/38Qp8mEckY6jRsefelFa9B1b1b/wf/Kz36THH29+i824a0MMCYgd0612OyLd/ZcHsqrf8brYwT36xAvTwstuUR8edOk3b8q8y07UL+oZP1BvevtH0icOOW0gO8k/u+3OtMUuh3f8o9fshzBr2ZXX3NyxST8J47P2pS9fltbf4tNdBx6N5Z569hX1oHTUwVNjPcwTIECAAIFuBOIsW5zJm3pmb9DvH3rob91USdoBCuQhABlgc4aTVeyob7TNQfWd69/c8aeeCvnRLbfXj0jHjnoMq+kpk4aN4pqAdTc9IB14xFldj32//OofpGVW3yl99aLrer5dYpxFiVubLrv6zunQY8/rug7RnAhGTpkI5iKP797081jU8xTBWNSp5wxysGEEH8efclHa/7Ontwwku61mfGbjc3L6uVfWby0YQ7riM9NubPIlV97YbVHSEyBAgAABAgTaCghAMohiZ/aqb9+c3rnmbun6G/vbOZ4sJnbUP/qJEzLPEEymzXqNix/f/5ED0k9/8dusZJnrIhDadd/j0hfPuLTrICR29j912Jlpw60PSg889EhmOZ2sjDw+tPWB6Stfv7brunSSf1HSnH3+t9IhR58z8OqG774HnlI/OxRDuuKs2RNjk1tfHH7LrXcMvB7NMlxmyYXS+mu9o+20znuWTc+f+znNsrCMAAECBJ4UeNPrX5WO/eyOI58O/9Q2af5XvvjJWnghkC0gAGnhUz8SferFabOdDk3/eKz/J7pOLeaCi7+TDvjc6SkCgKnLO30fQ7u23f2oFKciO90mK92BR3w5XXb197OSTFsX11pssfNh6aSJwGXaij5n4mzI7vuf0FVdphZ5z5SHBE1dXpT3P7/tzhRjq4tS30HVc+P1V04H7rtZ22n/PTZOr3n1fIMqdiD5POMZT0s7b7V2Rz/07X6cZ59ttrTHDut1lNdn9vlIeu5znjWQNshkjAKKHpvAgq99eduDHp0cGOklzUILvmqo7f5/L3xeWm3FxUc+rfyOxdK8L5h7qG2TeXkEBCBN+jICg6NPuCAddORZTdYOZtHZF1yTLvtm5zv9k6XGmYePH3RKuuOuP08u6vs1dvz32P/EFDvA7TKLu5tsscth6dobbmmXtKf1UZcDjzgrxfCybjN4+JFHu90kN+njM3fsyV9P7S7EfOYznp42/eC70uXnHZx+eeMp6c4fnZl+eu2J6dRjdk+LLLRAbtpTxIrcePNt9VuaNhuaFoFhs76JoGHJtyzY0Q/9Mku+KfOgQxz0WOgNr+oor+XftnCKz0IRndU5fwKPPvpYevH/e8HYppe+eJ4024zR7o7E31AnBz6GkWa1lZbI34eggjXS5PEKjPYvfrxt7bj0q759czri+PM7Sj/77LNN+9KO+U42jOFdhx//1RS3qe0k/WSaS6/6fvrmtT+anG35+qJ5n5fWXn2Z+hGeJRZbsGW6yRWxc3XYF76SeR1H3PXk4KPOSTfd/MvJzTJf53rus2favHCezo+KxC1lTzjt4koNxYqhdFdc88NMz5WWWyxdd/Hh6eMf3TC9boH50jOe/rR6+jgSvtzSC6fzT/1E+uIRu6Y5nvmM+nL/dCcQQW+rYWlxi+MI/rvLcXrquOPbPx771/SFU+biO6Hb74Mpm4/1bdwKOsvn4Uf+nqvnlowK69F/PJbi9uPDmO69/+H0r3/9eyBNec+7lk43XHrU2KbzTv54esHznzuQtsgkvwIzZqulOGjTaQ2f9rTZ0yte9sKZ+xHNguTnPy/7c/OsOZ6Ruf3cc8/ZaXWkG7CAAKQJ6IrLLZp22nKtJmueWrTwG+dPXz1lv/pR6Klf3HFUOpa/4XWveCpxi3e/ueNP9QfHtVg9y+L7H/hr+sKXvj7L8qkLZp8IiA7Zb4v03cuOSocesFV9WMs5X9wn3XDZ0eltS7xxatKU0vTZq6/7cbrmOz+ZvnDKXHxx7LHDB9Lii75uytJZ327w/hXqP2Q/+fYJ9dfwuenKY9IvvntyvT6d7CBfeMn16Ve/+eOsmWcs+cu9D2aszfeqr192Q+Z99aPvDvvUVpmnt2u1WorPbqSbMaOW7wZXsHbx+XzwwezrpX78s98UUiYCpwigWlX+0Uf/me5/8K+tVpd2edx0ZPL27IN+Xf49u6S4ucm48OKsbfR73KTluokz4t/7wa31YCsPz8Eal0nVy41n0/z+j/e0ZJjrOc/uKtB8/QIvS5ede9DM/YjYl2ic4ux/1j7F9pu/L3P7fXf9UMv6WjFcgRnDzb6YucdO/Habrdk0CIl1++2+UTr/tP3TYgu/dpbTxrPNmFFfHjv9MQazncAlV92U4o+2XbpYH8OefvWbP8TbptOMiZ3Oow/aLq275nKz1OvFL3p+Ou5zO2UGIbED8eXzr848CxLjO485ZIemQcgrXvai9LUzDkif3nvT+hGHxkrGkYj113pHPXCLIxmN66fOxxmZq69rf6Zn6jaPtBmC9cUjd60PWYphS71MW394janFDex9HD2++Se/bpnf8+d+Ttrvoxul58z5rJZppq541zvfmjZZb5Wpi2Z5H30RfZA1RZpZNrSgZ4Ef/PhXKc4izsygyZv4HMTnocmqmYvivvVZ98LfeNtDBn7d2szCW7xpFzjFd8ttv7qrxdYWF0Eg+jBuJR/PkopnSk0+52mpd22fNtzmoLTe5p9KEWQtsvyW9edjrbzOHum4Uy4a2LWKRTBSRwIEOheY0XnSaqWMQGP7Ld6Xdt/+AzMbHjuC5560b/rw+qvMsoM/M9GTb2JnMSLrV07slD+5qOnLL2//fbr7L/c3XTd1YQQpZ1/wramLZnn//vcsl1ZafrFZlk8uiDrtueP6mUN0bvj+L1LcYWtym2avEYSccNguaam3vmHm6mWXWih97fRPpjgzNHNhizdxdmi/3TZMtVr2Ufqbbr4t/XNAQwxaVCUXi++9/6F0V8ZRo3cuu0h6zfwv7biutVotfeB978i8SHnVFRbPPCoUR5niyFHHhUqYKRCf4/g8ZyaaWHnrr+9Kv7kz+1bfcd/6uAFFq+mBEZ9piO+mTp7c/MOJILtdADZB4P+cCUTgEbdIX3Ht3eu3ko9nScXZ+HbVjINlBx15Vv05WJvvdFj67Z13t9tkpOsVNl0g/o6zhgrG+ulbzDr32GP/Sv/+z39nXfHkktivmjHx+/TkrJeKCwhAMj4As82YkeKo98d22SDN95J50xnH7ZUW/b/XZGwxfVUcXf7wB981fWHDXNxR6s7f/6Vh6ayzEajc/NPWR8njOoBNN1i17fjKuPNHDNOZtYQnlsSDf2I40BNzrf+de6450wmH7ZyWe9vC9Ytm46xILGu9xfQ1y7994bTMRNAyfen0uWhzu6PBk1vEDl7canZyvvE1TtHGdTGNy/Mw/+d7HkxZ7Xz7Em9qG6w1tmO+l8yTFnztK1Kr//5w930dn3lrlYflnQvceddf0g9/8qu2G8TfXww/jJ2+tolzkuAPf7ov3fqr37WtzQ8m2v+nu+9vm67bBGEVQ9ta7Tx1suPUbZlVSR8Pmd3t48enD275mRRDhntt95Xf/mFa+f171B/gGzdb6DWfQW4X37sxAmEc020TBxoG2ZZB5HXaOVfWz2DFWaxmU6xvV05c6/W3v/2jZbIXv+gFaY45XKPYEqg6K+otFYDUGVr/U6vV0mYfWjV968LPpThy3zpl8zWLLvyaFDu/zdc+sfTXHVzrcOMPb8u8RuDNCy1Qv1jriRxb/xvXccSt8lqnSKmTYSCxfZxROenIXdNRB23X8fCg2C6muIPPUm95Q7xtOT340N9SjJtvmWDKihiP/Og//jllyfS33V78Nn3r4c7FxbuxE9WslOivuENMs3VZy579rGem+V48T1YS6xoE4uhcHDRoNkUfzDaj96/LS6+6McWwwoYim87G3fF+94fW46ibbjTGhTFUspO23XvfQ+lb3/nxwGsafz8bbXtwy52nTnacBl6pEmQYZ2Y33eGz9YfVDqI58R29/yGnpYOOOCvF+8k8I3BcetUd0isX2WCWKXaE//TnwQetUfbPbruj/lykbT565Mhf46YWUYeyTfF7nfXYgrg98KCH9tbPuvz7Py0po04tV1oxVoHef1HHWu3RFl6r1VLcjaGXUuOo+/P6vMtCHN1vN3wjduZjp76TOi78xleneedpfVeqGOebNSRoahmxgxzT1GWdvn/NqzsfVtRpnq3SdXvxW6t8Bra8w4zic/fMZz69w9SS9SPw3ow7AZ3Xx1164gznl796dcdVix2yE0+/OBVhuNL9D/w1xXONOm3cmV/5ZoptOk0v3XgE4qzRLvsc1/EdD7up5YmnX5K+eMallbrLYTc+RU77y1//PrP6871k3q7P5mdmOLEyzrpkfVe2uzZ0Igv/j0lAADJk+DgS/bKXvrCvUh548JHMIQ4RALzlza/tuIy43eH8r2j9tNI4gtHP6fZOKxLB2RwDumVsBGkPZIx9j36II9yd1i0v6WJIThzhyUt91KM7gTizddrZV9TvDtTNlmdNBCxXtrktczf5DSttPMA0xvp3mn+kPefCa8a+89lpfftNt8cO66VebnjRyTY/v/6k1Mkt1ntpQwwDvO577Z/1FL8lq6+8ZP127+uv9Y76TU46OcJ9wqkXpTig/WTjAAAQAElEQVTQ1UvdbJNPgQgCfnbrnZmVG8YDGP/z7/9mlhkjI6Juk4liXyEO8jSbYihnfGdPpvU6XAEByHB9U5xq/kfG0KBOio8/lIce/nvLpPO84Ln1a1RSh//Fzni74Tnt7mrTYVGZyWLHOnawMxN1uDKc46hdq+Rxr/DJ52a0SjOu5XF2JoLIZuXHF+cf776v2arMZX//+2OZF7bPPvuMgR+JyqxQxspd9z2ufqFq1p2dYt0K79stff9Ht2XklL9V37z2R+mUsy/vumLxQM54OOhPmtyWd/HFXj9zhy92+hqnld/xlpH0bTw35fiJHcluGxe3pm3Wrm7zkX44Ao/87dF03tevzcx88UVfn66+4HPph9/8Qvr8wdvXb68eD+w787i90y3f+WL9wajPn/s5LfN44KFHUlmHIbVsdMlXxDDM2+9ofev8Zz/7mSnulJlSGqjEHXf9OTO/+Kz9859PPS8nAusY2tdsiqGcMaQzM0MrByYwY2A5yaipQETb9z3wcNN1kwvnes6zJt82fY273WT9UcQZlud2eIvWyQIWaHNXpd/9/i9DvwNVu1Onz3jG09IcAxp+FD+Gkd9k+/P0GmeCnve81j/WsRMbgUg3df7tXXenrKNR87143tTJkcpuyuw1bVyAH5/xdlNcNBo75r2WM+rtInD89GFnplZ1rtVqKfq+Vb3iB337vT6fGn/UP7Dm8jN3+GKnr3HafvM1U6fDMVuV3W55BPzxsNZ4aGi7tI3r4wzrzvt8IYVP4zrz4xe47de/Tz/7xR0tKxLPJIpr/+Z/ZfOz6LPNmJHiwahfOvqjmXfii2eHxN9+y4KsKJRA/D3HwdJWlX7Ji16QXvTC57Va3fPyO9sEIPFckqyDkz0XbMO+BQQgfRNmZxA78vfc+9D0RFPmarVaenmbW/W2i/DnfPYcafanzTYl1/ZvX/Xy/5eZKI5uDvuP9kc/vT2zDvO+YK4UZy4yEz258q+P/D3FqdYnZ2d5qe9s/y/VH9x14BFnpTU32m/mUfdVP7BX2vtTJ6ULLr6+ftH7qE/BxjCGrCFxV3375swdgsbGRrByxrlXpdjRa1w3OR/DYJpd9Dl12cFHnT2Z3GuXAvFwtq13OzJl/e0u/KZXp2M/u0OK4LhV9rGDv+6mB6SsO+C12nZYy+PvI8bwfyXjKHm0KS44bVWHcAmfcGqVxvLxCGQdGKrVammLjd7d0U1H/u+N86c1V3tby0bEgbk4QNcywZhXxG9GsxtSjGJZ3NVyzM3vuvgYXhUPH47hgz+99sQUDx8++8R9Jr7jdkw7brFWijuCPm+uObvON2uD+PxkBT2xbXye73+geg9BjbbnfRKADLmH2j18bJ6JneyXt7lGpF2EHz/23Q4vahewRPARRzmHxRP5h01W/gu86qWZR9CmbvuPx/6Vpp5mnbou3l/+rR+kN719s/S+icAjho38+Jbb0+QR93iGQVwkvPM+x6YlVt4uLf/eXet3fsk66xR5DmqKIXFLvWXBltlFIPHZY85NMTSiZaIpK6685ofpvK9/e8oSb6cKDPt9XHS+8bYHp5/+4rcti6rVammrjVdPcVvvzTZcrWW6WBFDCNb58P7pC1/6ehrVZzLKbTZNBh8HHXlWs9Uzl+245VrpE7tvnDkULHw+tPWBs5zhmZlJh29mn222FNdaHPvZHes7O42vKy2/aIc5SRYCWXdlfOYznp46PShUq9VS3HY18mw2PfjkXQ5jZ/sz+3ykad/F2b1Y32z7YS/bfvP3tX1WUjwvaRjTBuusMOzmDTX/6LMXzjN3WnLid221FRdPO2+9dvrg2u/M/D7opUKPPPJo2+cmxXDkP/65+2HMvdTHNt0JCEC68+oqdexkX3P9TzK3edPrX5nanZZsFwjMPnt3Zz+iQnM959mZzwyZ/HGItMOYfvu7u9NPf956By3KXGbJN2XWMdJ0OsX97DvdeYuzVnFdwnJr7JJivGjsdHVaTq/pVl1xicxg6/obf5422PLAFGemWpUR99f/0pcvS9vuflTLYT+ttrV8MALxwLa1JoLcuNg6K8d3LvPmFM/CqdVqacN1V0yLL/q6rOT1/jz4qHPSKu/fM0UZo/hMNlYovoeOPP78FMPKGtdNnX/tq+dLcWFytC/aOXVd4/vf3PGntMYH961fDxCf38b1ncw/7Wmzp7dPfFfEjk6zKQ5kdJKPNE8IZJ0dj2v24tq9J1K2//fxxx9vTDRzfs4550jxO/TMiaBm+SefJ9XYfyssu0iKM/wzNxrgm3vueXCAuclqHAL33v9wuj/j5jOTdWo32mIyndfRCghAhugdwybaXTQbX7xZZy8iiImHxmVV85VthlM12/aZz3x6z7cWbpZfN8ti5+mCi76TOUQojqAs9ubsnbKpZcZY4k4DjKnbZb2P+4dvuPVB6fhTL0697hxl5T913Wtf/dK0zhrLTl00y/s4YrzsGjunCI6+c+PP6ndWitPPcYbsuFMuSsu8e6e0/2dPr++szrKxBUMViAB3v4NPrT+wLc5YZBUWn+1dtl5n5nUaz5nzWeljO2+QGYBO5hfB8Qe3/Ex69/ofS1dde3P9JheT64b5GkOlNt7u4BTXfWSVM2NGLe2+/QdSDCuMHcs9dlgvPT/jYuTIK87w7bj3MSkCt9t+fVdl7pAVbc/jNOdEYFCr1ZpWLYZ3XnvDTzvqowcf/lu6YuLMc9OMJhbO/dxnpyhr4u1Y/n944uj5WAoeYKHxmxcHOS+56qbU7xR/e1lVi/X9ltFq+2hDtCWr/Gbr4mHFcYaj2bqpy37xy98N/ZrWqeXl932+aiYAGVJ/xNHCs8//VubOYIyRfucyiwypBvnNNh6ydtEV38usYFzE+OpXNb/IsdmG8eUVgU2zdf0ui+EmJ552SUc/ur2WVavV0kc+tGrKOvoYeT/++P/SVy+6Ln1oqwPT5F08YshY1HFYD+yKcvuZVlp+0abDKxqHyvQ7H8M4Yue+n7p2u23sZMVdnd6ywjbp1LOvaLt57KAfvN/m6Y0TZz6nJo7rQQ7Zb4s0e4dnM+MHdbMdD00nnHbxUD+XEVgdecIFaZnVd0pxFm5qnZu9X3/td9bP7Eyui7Mhn95n0xTtnlzW6vUnE2dE37XuXmnNDT8+0uCqVX06WZ41XCm2f/Qfj808UBAHCwY5Rd/MPdezo5iBTq+Y70XpRfPO3TLPY076Wjr3a9/OPCjz6D/+mT45cTAk+rRVRq9/zcs7CrpbbR/L4+9lxsR3Z7yv4hQ3qojrFwfxMMV2dyWL9YMop1ke0YZoSzd9GL/3cSCuk21+dtud6S9PnvFaZsmFUlyf0mw67Zg9Zh4Y6iRfafoTEID059dy6xt+8It06Tdvark+VsTtMud7yTzxNndTHJUcxoVb8aXR7rkItVotrfOeZQY2/Goqbq/vDz32vPT9H/+q18072u6lL54nfWyXDTraWesow5wkiiEwjUMrhjEfZxPjqPsomh3XHO2+/wlpkeW3TPHZiAC4k3J333699K53vrVp0net8Nb0+YO27zgIWfiN86fY4a/Vmh+tblpIhwvj+qgDDj0jvXmifYd/4SsdnWmJuyPtOXHGI67JmFpMtDfaPXVZ1vvYaY3g6pwLr8lKVoh1EZxOHigY9Gtcr3b51T8YuEP8JsVvU6uM4yBI3CJ61Ylg8ctf+WaKM7CTgdUvb/9DmmzzBRd/p1UW9WsBBvEdH9eYzDHHM1qWY0V5BeLgT6e38773vodm3sgjRpzE9SnNprgbZa02+O/T8vZCfy2b0d/mtm4mEH8Yn/v8uZlnP+JI7QbrrFj/Im6WRx6Wxen2QdcjduJPP++qzGyXWWqh1O0DtmJnbJV3vqVlvvO/8sVpw3VXSkd8epv60fi4K8dSb31Dxzv7Mfb50xM7ZNG3LQsZwIoVll0kHfWZ7TquV6dFvvpVL0mHHrBVve2dnml476pLd5p9IdLFbSAbn5kxdT6er9FpQ+L20Msu+X9d/f1GWZtNnOWq1Vr/wEUQEkfhnt9m2FKcUdhtu3XToO8qE+2PH/VV1t0znXTGpR0FHrFNnLmLMzjPmfNZMTttqtVqafONVouhWdOWZ83E38HaayyTlcS6IQnUarX6na5ePt8LM0uI65z2/vTJKc7ATgZXq7x/j3pAHmdnsjaOAxBvW/xNWUnGvu7RIZ69mgzYsl67PSMwdrARV+CWX/w23X7Hnzou9fyJgLjTA0UdZyphXwICkL74Zt04jvCffOalKY7izbr2qSXrrLFsinH/Ty0p/7vYeY+d+NiZb9Xa2LHafMPVuj4NOu8L5k7HfW6n+hHkqRctbvD+FVKcao2HZh2w1yYpbgsZP347b712OuuEj6WfXnti2ni9lVMn/0WffqeDpwN3klerNLVaLb175SXSCYftkuZ45mCO7MWR6bNP/Fhae/VlUrS90ymGSLSqZxGXv+F1r8h8fkY8X6ObdkWwEJadbBOf6QP2+nBHZzeWXvyN6eKzP5Oi31rlHWc+IoButb6f5XH71G02fW/HWUTw8aXP757iDF6rjWabMSNt/eE10v57bNw2uI7ga4+JMymjOpvVqs5VXj7fS+ZNe+/0wY4+r906xbC8vXceTt7d1iUr/eSZnMngatSv+x9yWlb1elhXnk1iPyuejxWvnbbqhu//IsXQ1U7TSzd8AQHIgI1jTGKMkc3KNo4sbbrBu7o6epqV3zDWxc7vi+Yd3EOD4ovi6BMuaBuYrTWxk7zUW97QU5NqtVpafZUl0/cuPzrtss066cqvHpI+vfemKU61tsowgpVP7L5RPXCZMaP1kenJ7c+/6DtDv5itVqulFZdbNF194efSshNngybL7vY1xkfvtdP66dTP75EiQOt2+2Gmj4v6Y4hf1hHAyXXxgKurrr2574ssW10AObk8bs3cTZvD96PbfyDz8xVpDp0489TtDteLX/T8dNqxe6ajDtw2Pf95z51Wrfj+2HqTNYY2RLFWq6UN1nlnZgA0WaEIks49ed/0yjbPMor0tVqtHuxfcNon0ysy0m+96XsmDs7MF5uYxigQAXYnZ+O6qWJ8Xs48fq/MYLWb/KStpkBcR3rZN7/fVePjwOeFl1w/1GvmuqqQxKlSAciw+zt2lD5+4CmZQ6+iDjtvtU6KI0zxvirTZVd/P51y9uWZzY1AYbvN1uz7qFsEFTts/r70mvlfmlne5Mpa7YmzDrttu+7kopavUy9ma5loQCtiJ/TUY/ZIF562f1rubQt3nGscOd5qk9XT9686Nm258ep9e3ZccBcJ73/gr2mNDfaZeSF91tHFt622Y4prAppdvDjIZaefmz00sFnzYsd7xy3Xaraqfmvda752aP3MU63WPrhtzGS2GTPSe961dLrpis+now/abuZO+yi+P2IoVRwBj6GijfWanN9563XSSUfu1nVwG8MlLz/voLTnjuvP8tmMC0TjeQGTZXgdr8Dk2bis4a2d1DAC8ejvXj4vNn1JZQAAEABJREFUneRf1TSzzZhRD+ZG8XDEYZYRZ09nm9HZ7mgczPzqN66t39yhWb+/dZHXpblbPPDwvK9dm+I3vNl2lo1eoLMeH329CldiPCRu9/1PyHzycTTq3SstkdaYOEof7zuZ4mmscbesrLTtxts22zbu5R5HBJqtG/SyGFMeFy3GxYtZee81cco/duiy0gxrXa1WS+u+d7kU10pklXHf/Q+nu/54T1aSga6r1WrpzQstMHEWY/f08+tPSmcct1c9qFhp+cXS5A/C/K98cX0nN37grzr/kPTz755U37kbxvUBUxsXAdLU+TbvS7s6hvXFjvNkA2Oo17kn7ZvO+eK+AznQEDtva6yyVIpg5gcTQeUaXXx/TNapl9e4U1cMhWrcNtoaZxd33OJ9XQ+VnMxrMkj+8TXH1z+rcZYngp09d1wvPftZz5xM5jUHAvF3fvyhO6cYxrrBOit01edxFn3PiUAz+nmriYMi0e85aFJpqhC3uz7v5I+P7YGJg3oIY7Qh2tJJx8TZj3MuaH6Dilqtlrbb7L2p1SiKuLnOcV/6RsfXtnVSH2l6FxCA9G43c8u45e5nDv9y29tUxtCJvXaa9ajfzIyavKnVam2HWvz5Lw802TJ70cOP/D1lXWT+vLnnTPHjkZ1L+7VxVminjx2b2l1Qt857lu0qMGtfcvcp5nnBXCl2rrK2jKMvd/3+L1lJhrYudszevsSbUnyGTjx8l5k/OrFjEMN84gc+7jg124zR/FnPOeccQ2trkTKOfokhVht9YKX6sL+Lz/r0xNmP1w98iGWtVkvxGY2AJMsnHsz3ipe9ME0GqI2v884zV8d1i+ti4qBJlBdn4S4798B02rF7dHx2MbbLmuJsZXxuv3/VMem6i45IEbxlpc/buujzuMas16ndNUTxd91r3tdddHha8DUvf5Ks/5f5Jw50fPpjm6Zbbzg53ThxVu6LR+5aDx7XX+sdaep0wF6bpLNP3Kd+fV2ki/6Nfu6/BnKoukDss5x4+sUtz34s8KqXpIXeMH9abaXFW1JdfOWN6RuXf6/leitGJzCaPZXRtWfkJcUO6RfPuDSddf63MsueMaNW33HsZejVAm2GEj36j39mBhPNKvaff/+32eKZy2Knqt2OzszELd50elYoLmLdeau1ZxmO0SLboS5ecrEF2+ZfhgdYtW2kBF0JLPjal6dP7rlJfce8Vut+uFVXhbVJ/PoFXpYuO/egmQFq41HKuNVvnFltk019dXwHxHNLbrnuxPpZuLgxQa02+PbNNmNGmuu5z+44MKpXLgf/xPdkDB3tdZqjzY0mwqTXvDsJVnshrNVq9YNTKy67aIrg4sB9N5t2c4e42+CSb1mw72d8RN3irFg83yeCnesvOTI1BmPHHbpT6vSzHPmZii1w5TU/TGd99eqWjYiDJc+f+zn1MyBZoxn2O/iUFCMzWmY06BXyayogAGnK0tnCCD4uvuLGdMjRZ7fdIO6DH/fDb5uwSYI4Bd5k8cxFDzz0SPrnP/89c76TN3fc9efMZC+cd+6uTrU3Zha3u/vUoWe2PSsUPzBxa9wYA9qYxzjm46h+rZa9g9XLkLdxtEWZxRCI75G/3Ptgimc6HHjEWWmDrT6Tllp1h/SGpTdNr1xkg6bTwsttUU8TaWOba67/Sbr/gb8O5QLLOHr9nDmfVQxMtSyVQAzZiuf7RLATvxGNwVgMM63Vsr+vW4Fknb3afvM1W21WX97Jmalrvn5YWmShBerpm/0T6yJNY1A1Ob/f7hs122woy/7+6GMpnudyxbd+kM658Jq0z2e+lPY64ItNp8O/8NX6DUG+94Nb6985cUORoVSqIdMYTXHIUee0vMY29iVWXXGJ+lYRfG+07kr1983+iREZMTLjzjGNZmhWpyouE4D00etxYfUOe3++5R/EZNZxerrd/f8n0zZ7jS/exod7TU33+z/ek+ILZOqydu/jyyYrzXwvnrfnI0sxJC1uIRhfZE+W0fRlxsRZoTi6uvCbXt10/TgWxhHH+NHLKruXIW9Z+VVx3WwzZoz84sm4ziAv1vE38oMf/yptt+fR6TWLb5zioXJb7np4Ov7Ui+pBezwIMM5stqrvw3/9e4o019/48/o2m2x3SFpsha3reUWeP/zJr9Kodgxa1dHycgnEQaUIdCfvGpeH16hP1KsX6ayzV8+aI/s6pPidaAyGGufnfcFc6elPf1rLqsW6SNO43eR87FC33LjPFffd/3A90IgDGHGg441v+0iK57lsscvhKa7XPOO8q+qjOmJkR+N05Annp7j5x3qbf6r+nfPqxTZMb1ttx7T/IaelH91ye4rvtj6rN8vmDz38t7TbfsdnXmO76gqLp1e/6sUzt1195SUz76YXB2E32uagdPsdf5y5jTejFRCA9Oh99XU/Trvsc1zb4ONtS7wxxfjwGMrQY1H1093xhM5W2z/w4CPp7i6uA4kdmz/cfW+r7OrLO72DVD3xlH/iy+fgo86uf3lNWdz0bT9nhZpmOICFsWPX7get3ZC4AVRjliz+8Kd761/wrY5KtQv2ZslwzAvigsPzRnzx5KnH7D6wZ6v0yhefrVPOviItvvJ2aZ0P758uuvx7A/3Bjr+/yHPtTfZPb11x2/T1y76b/vv4471Wt+V28Xlr9VmM5bFj2HJjKwopEEeN9/7USfWdz20+emQuXqM+Ua9Cgo640vHdEGc4Vl5nj/SWFbepBxpxACP2B/qtSpyd+NJZl6f3bbRfev1SH057fvKL6fd/zN7H6LTMCD62nvi8xXM8Wm0TQxk/tO6KaeqB2viN2frD72m1SX35XX+4J63xwX3TVd++eShnj+uF+KelgACkJU3rFfGsj50+dkyKOyq0TpVSXNtwyH5bpH6HL8Qf0vyveCqybywzdmru+N3djYtbzsdO9m8yniAaf8QL93BW4j//+W/6/BcvTCeefknLsidX9HtWaDKfQb/GkaEYEjPofPvNLx7iePYF19QDu8YjUjF/0w9v67cI2w9ZIB5kucr790yfOPjU9MCDfx1yaalexg57HZPWmtgp6Ob7oZOKxectPnetplt/dVcn2UhDoPwCY25h/J7FAYFl19g5xRmOX/3mD0OtUewHnH3Bt9Iyq++Utt39qK4OjjZWLIZIrfuRA1JW8BHbxP7Em17/yng7bVp1xbemFZZdZNqyxpnYj9tsp0PTVrsdke6596HG1eaHKCAA6RI3go84+tPuqEucPh3UtQ1xqjgucs2q6jev/VGKO0RkpZlc95s7/5T+kvGH9qIXPi+97KUvnEze0Wt86UTwccTx57dNP4izQm0L6SFBfFFH/7bb9DWv7uz5Iu3ysb4aAvG5ijuvrL3JJ9LvxjDmOAKf1db7WIqzttUQ10oCBEIgzm589BMnpBii+ac/3x+LRjrF996719s7ffemn3dVbnxnfuPyG9Kq6+6V2gVMcbH55hu9u+kNLGI4ddwcJA4Gt6vA8+d+Toq7f7ZLZ/3gBEYRgAyutmPOKX7AN9/psNRJ8HHsZ3dMvZxFaNXEFZdbtOkf2GT67//otnT3nx+YnG35Gn/YcRo2XlslWvT/XpPmecFzW62eZXkEHzHsqpPgY/FFX5ciMOv3rFBjJeKI65lf+WZf497/8Kf70ne+d0tj1tPm555rzjSuZ5VMq0jBZ+KHMa5VWGrVHdKopo23PaTtWcthsMa1YtvveXSKv5Nh5N9JnnGUL87auvNLJ1rSECi+QNyFMoYufeXr1461MXGTnA9tfWC69Js3dVyPuNFLnEWJ762sjWbMqKW9dlw/Zd2oJ66hjX2OOCjcKq8IYnbYYq0UtzBvlcbywQsIQDo0veyb3584fXlY2x2Y+IOIC6vjeQ0dZt1Rsri15vyvfHHLtH++58GJI5w/arl+ckXsZEcAMjnf7HXldyw2bSxlszSTy2Knar9DTu1o2FUchTj8U9t0/eTkybJavcYX7acOOyN97NMnp3geSwxJa5W21fI4e3Tcqd9I4dgqTSx/3QIvm/iye0G8LcjUezVXWn7RFIF0q+lNr39Vz5lHAHzvfQ9PBM33j2waxbCnRpC4Nutzx5zX9lqx2C5+IN+76tIpvj8uP+/g+i1Hf3rtienOH505c7rj5jPSj645vr7ua6d/MsUzF1ZafuLvdfbZIovMKQ6cfPygU1IM58tMmLOVz3jG01LcprvV5/CoA7dNL3vJvDmrteoQGJ9A/J4ddNTZ6dvX/6TjSrzk/70gxYXbW268ejr6oO1afvfHd876a70jxUiGTm+B/Pjj/6tfc9LpAZA4QBnD12OfIasBu2+/XtshVrF9HAyO/Jpdixvfu4d9cquJ3/XnR1LTCAUEIG2wY0fposu/l7bZ/ci2RzAj+DjmkB1S3I2hTbZdr57nBXOlNVZeMnO7Y076Wooxk60SRVvO/do1mTvZcSRgqbe8oVUW05bHjn7s9J953jenLW82E18kZxy3V/3OR83W97os2nTCaRfX7xwUeZx0xqVprY0/kX792z/GbEdT5PGlL1+eOmlH3BIyhsR1lHHBEy3wqpemeFBaq+n/vfB5BW/h8KsfwX7W9VZRg4XfOH/66in71QOLIz+zbfrAmsun1y0wX4q74cSPY6SZnGq1Wopbj8a6+FHdcN2VUjyU8pc3npJO/8Ke6RUve9Fk0qavMRyr3Vm+phuOcWFck7bkWxZs+VlcaSIAizOTY6xi66KtITAGgZ/+/Lfp3Au/3bbkVd75lnTBafun279/WvrupUelzx+8ff15ZWusslTLv7f4zolnv5x53N7pF989OcUzgj63/5YpApisAuMASPxWx0HLrHST69qduYggqJu7i75rhbemUz6/+7Tn08Q+Wxzwie/SyXK9jk5AAJJhHTump51zZerkVrvxQT7qM9vVH4Bzz30PpV/e/of6vbIvueqmjl9/fMvtGbVJabWVlkgxTrFVoih3908cn+69/6FZkkRbvvqN61IEKbOsnLJgnTWWTRHsTFnU9G2cddhlny/Ub+XXNMGUhRF8nHzUbvXnikQd4/7hl3ThEmlbnZmIa18a2/SLX/4urbT27vXb9rW7E0ccDd73wFPSpw87c0qNm7+NHe44QtR8raXdCMRto3//x3u62aRwaWOY2RXX/CCz3h+YCDbOOWnftNjCr02zzej963i2GTPSMksulC768qfqRyazCr3kyptSHCHNSmPdrALnXHhN0+cixF2/ep1uvPm2WQuasuTUs64YeJnRjilFdPw2nlXz4EN/a5l+7dWXmXmmbupZu37e//z6k9ISHTwctmWlJlbEDm/cXCR+ezqdHv3HYxNbtv4/buTSLq977384/etf/26ZSayLNO3ymVwfbYi2tMxwyoqvX3ZD+ve//zNlyfS3cWAjDnocf+jOaZGFFujrIcBxtmKd9yybrr7wc+kjH1p1ekENc9d975b0mzs7v2FOBAZ77LBeQy6pfpBmv903alvvxg1jZMolZ38mxTDzWMqMu7cAABAASURBVBdnUHp9Pltsb+pPoPdfvP7Kzf3WcQ/9L3zpG2m/g0/taPhEnGKMMe1vXn7LtPhK26ZV3r9H17cpPP3cqzJd4ta4a672tsw0N938y/SO9+5WDwxi5zq+sOL6iB32Oqa+Qx71bJVBXNuw5qpLt1o9c/lDD/8txd00IjCYuTDjTdxv+x1r7la/Z3jYrLf5p7q2+dltd8xSQtz6LwKHVm2Ksa9xJ454xkLcrvHCS66fGQyefu6V6QObfSotMtFfZ5yX7T5Z8MbrrZJe9lJDPSY9vGYLxDjmO37X+oGf884zd9r2I++tB+bZOXW+NnYGdtpy7cwhlPF38/e/P9Z5plLWBdrd+avVHcGylsftteuZt/gndtiytu9lXbSjRXGlXHzrr+9Ky6y+c/13OX5/OpmOPvHCTItd9z2ubX7Lv2eX+nMxWmX0o1tuT5Gmk/pEmmhDtKVVfpPL4+BO/OZPzjd73X+PTeoHPZqt63VZXPD90e3WTcsu/X8ts4izIN3eke8DEwdp4mzHZKa7bvP+9OmPbdrz9+Z8L5k3ffmEvdPZJ+6TujmDMlm+18EJzBhcVuXJKXbaDzrirHTI0efkqlG1Wi1tusG70svny75DVez4xMOEFll+y7TAWzdKq35gr/SNy29o25a4k8SL/1/29Q0xpn2jbQ5ue1u8toX1mSCOHn3yc6dnPphosog4cvflr16ddvrYsTMDnzjrceMPb51M0vY1xrt+6P0rtE0nAYFOBeLW2nGL7U7Td5ouhmG9cN65Wya/74GH0z//1frIbMsNrSBAIPcC//jHP9Pdf7m/ZT3jwMdiC7+m5fp+VkQQslSbIdxxQLKbMuK6jXiW2nvetXR9mOl2m7236zMfjeVFPZd8y4J959OYr/nuBAQgTbziKMMZHVzX0GTToS+K6H2vndZPM2bUBlrWu1daon5as12mcRbhp7/4bbtkQ18fT5GNi+WeP/dzhl5WBGX77rZhiqPLQy9MAXWBGE9805XHDHxIR9ZwkEMP2Kpe9sD+aZNRBAKxs9AmWder//rI39OjEzshrTaMH/QZEwczWq23nACB4go87Wmzp7mfO2fLBsTQrH/9e3gHIB5/PPvBp0/r4IYZjZWP39642UQMM63VBrvv01iW+dEJCEBGZz2wkmLMYoxdHFSGcY1GHGGYvYcvhkHVoZd8Yhzn1888YOZ4zl7yaLdNBDjHH7pTiruQtUtrPYGpAs94+tPSPM+fa+qiae/j4vTrvvezacv6nYlrvb526XdTDJNslVcMI3zWs57ZarXlBEohUNVGPPOZT09ZZ1bjuyG+I+K7YtBGMbwzhj5n5bvA/J6jleVTpXUCkAL2dq1Wq49d3GnLtfqu/WtfPV86Ywh3p+q7Yh1mEGeEYjznnjuuP/DTqXFHsHNP3jf93xvm77A2w0v22GP/yryocHgly7lXgbjQ880LvTpz810//oX0hS99PcUd5TITdrAy8jjqxAtTu/Hrb33z61Knt8/soFhJCiYwf8bt3AvWlEpVN25HPcdEcNGu0XHgI+7WmJUuviNiGHIM185K1+m6CGbi5i8bbXtw5rDouJHLq1/5kk6zla64Ah3VXADSEVP+EsXZih0nApDPH7R9mvPZc/RUwRh2de5J+w781rg9VaaPjWI851abrJ6uu+iIFG3qI6uZm26y/irpG2d+KsWtaGcuHOObhx/5e+adi7560XXplYtsMPIpLsYcBkvcHSZuMNDr3YX62S5+SAfRplqtluKmETEkolV+jz/+v3TwUeekpVfdMR105Fn1u+d1c31GpI1763/ys6enNy+3ZTr8C19pVVR9eZzRi7vp1WeG+M/BR5098s/igkttmm65ddabVQyqmXPPPWeK4ZhFn4Z1y+K4o1c/f3fNto2bwPz6N39I/kv1gwbPfc6zO6JYefnF2j4w94zzrkr/t+zmabs9jk5XXXtzuv+Bv6YIJDoqYCJRXCt7511/TsedclFa/r27ptXW2zvFWd2JVS3/f/97l0vzvWSeluutqJaAAKTA/V2r1dLqqyyZrrv4iBQ7zJ1eF/KG170iReAR9/we1o/ROFjjaajxHJYbLj0qbbbhatPu991JfSKQie3i2oNP7L5R/Qu/k+2aprGwL4EYpxzDBHq5y0+/2/wp4wLObhsVt7jc8P0rtt0sHpIYP+Rx97zXLbFJesPSm6alVt0hvfN9u6UI8iZ3zuJ9LIt1cYOJSPveDT+eTv7yZR2dRdli49XTa+Y3BKJthzRJsO+uH0rx3VL0aYN1hnMzjbijV79/e43bx3CeBx56pElvdL5owde8PF130eEpvteLPMUBsayhVVNFIkjeY8f12l4rGgdALrrie2mzHQ+t36XyVYt+KC36zq3r3z1rbrTftFtAbzcRqCy7xs71dfHdE1MEHnHg5He//8vU4pu+jxu5bLHRu1Ot5hqOpkAVXCgAadLpCy34qnTrDSeP9ALYuDi214tg48FkscN86w1fSqces3uKBwUt+NqXTztat9LEEZHPfGzT+g/oJWd/Ji2+6Ot7+iLY+sNrjNwlbFZcdtEmPdV8UXz57rPLBukn3z4h3XjF51MEJRGgvXmhBaaZRLpwieFbV51/SPr5d09KsV085K15zpYS6E6gVqulnbdeOy33toW72jAuIr/7z/en3955d4qzW5M7ZvE+lsW6OALZTaZxK8uq3HayGxdpiysQ11jFkKOsFsRogXi2VXyvF3mK4GO2GZ3vssW1ovt9dKO2QUijXRwMie+XeC7Z5PdOvEagctcf7kmxrtvvnhjqfch+W6S4mLyxPPPVFej801xdo8K0PL6Il1t64XTAXpukS885sB5sTB6tO/HwXdIHJ458xU53YRrUZ0VrtVp60bzPS+9eaYkUAdqFp+0/zSRswiWGby3wqpf29SC4PqvadvO5Jk69zz7bbG3TSZA/gfjR/cJnd6wfGBhX7eLe+Qfs9eGBXyc1rvYol0AIzDHHM3ymA6LJVKvV0kYfWGnioOQemQ8wbrJpv4umbR+/vzHi4qUvNvRqGoyZJADxISBQAIG47XAcyStAVVWxiUBc9P3JPTdOXz5+7xTP6WiSZCiLFn7j/OnKrx6Stt98TTtqQxGWKYH8CtRqtRS3rr32osNTDH8a5W9I3MQlvu+KNNQ7rtd7xcteOMtIiThwG1MM085vbxevZgKQYfSZPAkMWODe+x/qaIz/gIuV3QAFarVaWnrxN6arL/xcPRB5+xJvGmDuT2U1Y0YtvePtb05xxu/C0z/pmo+naLwjUEmBuFFN3Gr/p9eemD63/5Zp/iHdCS2+e1Zfecn01VP2S1d85eD6912tViuMedxu/7JzD5plpESMlohpWN/ZhQEacEUFIAMGlR2BYQi86fWvSsd+dsfcTRuu2/4C62Yes82YUb/7WhxVGvTULL/4wV179WVSXAfRbnrJi17QrMoDWzbbjBn1H+a4/fUvbzylfhvsD6+/Sv2uNTMmgoduC4ptXv+al6WPfGjV+g9/XAv2paM/muKap1ptOD/+0e95+zzGg8pe9pJ5u+WTvkOBdkeHm/3d9bqs07/Xdy7zZmf2Ouy/SBZnYtd5z7Lp6gs+l2657sT0xSN3TR9c+509f/fM9dxnp7i4PK6jjIDjVzeemuKMx2ILvzbXQ5rDwjR+AQHI+PtADQi0FYj7p6+24uIpb1Ps5LatfJMEcUHleSd/vOWRpjjaNMgpfnDjJg8H7rtZaje94XWvaFLj4SyK67biqNp+u2+Urvn6Yem3Pzwj/fz6k+p37Ln8vINbBpyxLu7oEwFMbBNH7eIuTfHDH3kOp7ZP5Rr9nrfPYtxQokx39XtKOx/v2h0dfvLvdSB/053+vW658eppFJ/3fPTAYGsR16bFzV0+s89HZn733P7909IPrjq26ffP6cfumW647Oj6ujiTEjeHiRu9nHnc3mmrTVZPcaH5KId4DVaj+9ziNyzuTBbfw82m+E7vPtdqbSEAqVZ/ay0BAjkXePaznpnibj2vW2C+lgFnrIs0dr5y3pmqR6BAAhFATN4xLL5jph5kWGaphVLc6j6+d577nGcVqFXDqepsM2bUnzgfHs2m8RgNp63DylUAMixZ+RIgQIAAAQIECBAgMIuAAGQWEguKLKDuBAgQIECAAAEC+RYQgOS7f9SOAAECRRFQTwIECBAg0JGAAKQjJokIECBAgAABAnkVUC8CxRIQgBSrv9SWAAECBAgQIECAQKEFShWAFLonVJ4AAQIECBAgQIBABQQEIBXoZE0kMAIBRRAgQIAAAQIEOhIQgHTEJBEBAgQIEMirgHoRIECgWAICkGL1l9oSIECAAAECBAjkRUA9ehIQgPTEZiMCBAgQIECAAAECBHoREID0omabRgHzBAgQIECAAAECBDoSEIB0xCQRAQIE8iqgXgQIECBAoFgCApBi9ZfaEiBAgAABAnkRUA8CBHoSEID0xGYjAgQIECBAgAABAgR6ERhEANJLubYhQIAAAQIECBAgQKCCAgKQCna6JpdJQFsIECBAgAABAsUSEIAUq7/UlgABAgTyIqAeBAgQINCTgACkJzYbESBAgAABAgQIjEtAucUWEIAUu//UngABAgQIECBAgEChBAQghequxsqaJ0CAAAECBAgQIFAsAQFIsfpLbQkQyIuAehAgQIAAAQI9CQhAemKzEQECBAgQIDAuAeUSIFBsAQFIsftP7QkQIECAAAECBAiMSmAg5QhABsIoEwIECBAgQIAAAQIEOhEQgHSiJA2BRgHzBAgQIECAAAECPQkIQHpisxEBAgQIjEtAuQQIECBQbAEBSLH7T+0JECBAgAABAqMSUA6BgQgIQAbCKBMCBAgQIECAAAECBDoREIB0otSYxjwBAgQIECBAgAABAj0JCEB6YrMRAQLjElAuAQIECBAgUGwBAUix+0/tCRAgQIDAqASUQ4AAgYEICEAGwigTAgQIECBAgAABAsMSKFe+ApBy9afWECBAgAABAgQIEMi1gAAk192jco0C5gkQIECAAAECBIotIAApdv+pPQECBEYloBwCBAgQIDAQAQHIQBhlQoAAAQIECBAYloB8CZRLQABSrv7UGgIECBAgQIAAAQK5FihUAJJrSZUjQIAAAQIECBAgQKCtgACkLZEEBAiklCAQIECAAAECBAYiIAAZCKNMCBAgQIDAsATkS4AAgXIJCEDK1Z9aQ4AAAQIECBAgMCgB+QxFQAAyFFaZEiBAgAABAgQIECDQTEAA0kzFskYB8wQIECBAgAABAgQGIiAAGQijTAgQIDAsAfkSIECAAIFyCQhAytWfWkOAAAECBAgMSkA+BAgMRUAAMhRWmRIgQIAAAQIECBAg0EygkwCk2XaWESBAgAABAgQIECBAoGsBAUjXZDYgMEoBZREgQIAAAQIEyiUgAClXf2oNAQIECAxKQD4ECBAgMBQBAchQWGVKgAABAgQIECDQq4Dtyi0gACl3/2pAHhb2AAAQAElEQVQdAQIECBAgQIAAgVwJCEBy1R2NlTFPgAABAgQIECBAoFwCApBy9afWECAwKAH5ECBAgAABAkMREIAMhVWmBAgQIECAQK8CtiNAoNwCApBy96/WESBAgAABAgQIEOhUYCTpBCAjYVYIAQIECBAgQIAAAQIhIAAJBROBRgHzBAgQIECAAAECQxEQgAyFVaYECBAg0KuA7QgQIECg3AICkHL3r9YRIECAAAECBDoVkI7ASAQEICNhVggBAgQIECBAgAABAiEgAAmFxsk8AQIECBAgQIAAAQJDERCADIVVpgQI9CpgOwIECBAgQKDcAgKQcvev1hEgQIAAgU4FpCNAgMBIBAQgI2FWCAECBAgQIECAAIFWAtVaLgCpVn9rLQECBAgQIECAAIGxCghAxsqv8EYB8wQIECBAgAABAuUWEICUu3+1jgABAp0KSEeAAAECBEYiIAAZCbNCCBAgQIAAAQKtBCwnUC0BAUi1+ltrCRAgQIAAAQIECIxVIFcByFglFE6AAAECBAgQIECAwNAFBCBDJ1YAgUIIqCQBAgQIECBAYCQCApCRMCuEAAECBAi0ErCcAAEC1RIQgFSrv7WWAAECBAgQIEBgUsDrWAQEIGNhVygBAgQIECBAgACBagoIQKrZ742tNk+AAAECBAgQIEBgJAICkJEwK4QAAQKtBCwnQIAAAQLVEhCAVKu/tZYAAQIECBCYFPBKgMBYBAQgY2FXKAECBAgQIECAAIFqCkQAUs2WazUBAgQIECBAgAABAiMXEICMnFyBBKYKeE+AAAECBAgQqJaAAKRa/a21BAgQIDAp4JUAAQIExiIgABkLu0IJECBAgAABAtUV0PJqCwhAqt3/Wk+AAAECBAgQIEBgpAICkJFyNxZmngABAgQIECBAgEC1BAQg1epvrSVAYFLAKwECBAgQIDAWAQHIWNgVSoAAAQIEqiug5QQIVFtAAFLt/td6AgQIECBAgACB6gjkoqUCkFx0g0oQIECAAAECBAgQqIaAAKQa/ayVjQLmCRAgQIAAAQIExiIgABkLu0IJECBQXQEtJ0CAAIFqCwhAqt3/Wk+AAAECBAhUR0BLCeRCQACSi25QCQIECBAgQIAAAQLVEKhmAFKNvtVKAgQIECBAgAABArkTEIDkrktUiEC5BbSOAAECBAgQqLaAAKTa/a/1BAgQIFAdAS0lQIBALgQEILnoBpUgQIAAAQIECBAor4CWTRUQgEzV8J4AAQIECBAgQIAAgaEKCECGyivzRgHzBAgQIECAAAEC1RYQgFS7/7WeAIHqCGgpAQIECBDIhYAAJBfdoBIECBAgQIBAeQW0jACBqQICkKka3hMgQIAAAQIECBAgMFSBkQYgQ22JzAkQIECAAAECBAgQyL2AACT3XaSCBAYiIBMCBAgQIECAQC4EBCC56AaVIECAAIHyCmgZAQIECEwVEIBM1fCeAAECBAgQIECgPAJakksBAUguu0WlCBAgQIAAAQIECJRTQABSzn5tbJV5AgQIECBAgAABArkQEIDkohtUggCB8gpoGQECBAgQIDBVQAAyVcN7AgQIECBAoDwCWkKAQC4FBCC57BaVIkCAAAECBAgQIFBcgayaC0CydKwjQIAAAQIECBAgQGCgAgKQgXLKjECjgHkCBAgQIECAAIGpAgKQqRreEyBAgEB5BLSEAAECBHIpIADJZbeoFAECBAgQIECguAJqTiBLQACSpWMdAQIECBAgQIAAAQIDFRCADJSzMTPzBAgQIECAAAECBAhMFRCATNXwngCB8ghoCQECBAgQIJBLAQFILrtFpQgQIECAQHEF1JwAAQJZAgKQLB3rCBAgQIAAAQIECBRHoBA1FYAUoptUkgABAgQIECBAgEA5BAQg5ehHrWgUME+AAAECBAgQIJBLAQFILrtFpQgQIFBcATUnQIAAAQJZAgKQLB3rCBAgQIAAAQLFEVBTAoUQEIAUoptUkgABAgQIECBAgEA5BMoZgJSjb7SCAAECBAgQIECAQOkEBCCl61INIjBeAaUTIECAAAECBLIEBCBZOtYRIECAAIHiCKgpAQIECiEgAClEN6kkAQIECBAgQIBAfgXUrBsBAUg3WtISIECAAAECBAgQINCXgACkLz4bNwqYJ0CAAAECBAgQIJAlIADJ0rGOAAECxRFQUwIECBAgUAgBAUghukklCRAgQIAAgfwKqBkBAt0ICEC60ZKWAAECBAgQIECAAIG+BAYagPRVExsTIECAAAECBAgQIFB6AQFI6btYAysioJkECBAgQIAAgUIICEAK0U0qSYAAAQL5FVAzAgQIEOhGQADSjZa0BAgQIECAAAEC+RFQk0IKCEAK2W0qTYAAAQIECBAgQKCYAgKQYvZbY63NEyBAgAABAgQIECiEgACkEN2kkgQI5FdAzQgQIECAAIFuBAQg3WhJS4AAAQIECORHQE0IECikgACkkN2m0gQIECBAgAABAgTGJ9BPyQKQfvRsS4AAAQIECBAgQIBAVwICkK64JCbQKGCeAAECBAgQIECgGwEBSDda0hIgQIBAfgTUhAABAgQKKSAAKWS3qTQBAgQIECBAYHwCSibQj4AApB892xIgQIAAAQIECBAg0JWAAKQrrsbE5gkQIECAAAECBAgQ6EZAANKNlrQECORHQE0IECBAgACBQgoIQArZbSpNgAABAgTGJ6BkAgQI9CMgAOlHz7YECBAgQIAAAQIERidQipIEIKXoRo0gQIAAAQIECBAgUAwBAUgx+kktGwXMEyBAgAABAgQIFFJAAFLIblNpAgQIjE9AyQQIECBAoB8BAUg/erYlQIAAAQIECIxOQEkESiEgAClFN2oEAQIECBAgQIAAgWIIFDMAKYatWhIgQIAAAQIECBAg0CAgAGkAMUuAQLaAtQQIECBAgACBfgQEIP3o2ZYAAQIECIxOQEkECBAohYAApBTdqBEECBAgQIAAAQLDE5DzIAUEIIPUlBcBAgQIECBAgAABApkCApBMHisbBcwTIECAAAECBAgQ6EdAANKPnm0JECAwOgElESBAgACBUggIQErRjRpBgAABAgQIDE9AzgQIDFJAADJITXkRIECAAAECBAgQIJAp0FUAkpmTlQQIECBAgAABAgQIEGgjIABpA2Q1gZwIqAYBAgQIECBAoBQCApBSdKNGECBAgMDwBORMgAABAoMUEIAMUlNeBAgQIECAAAECgxOQUykFBCCl7FaNIkCAAAECBAgQIJBPAQFIPvulsVbmCRAgQIAAAQIECJRCQABSim7UCAIEhicgZwIECBAgQGCQAgKQQWrKiwABAgQIEBicgJwIECilgACklN2qUQQIECBAgAABAgR6FxjmlgKQYerKmwABAgQIECBAgACBaQICkGkcZgg0CpgnQIAAAQIECBAYpIAAZJCa8iJAgACBwQnIiQABAgRKKSAAKWW3ahQBAgQIECBAoHcBWxIYpoAAZJi68iZAgAABAgQIECBAYJqAAGQaR+OMeQIECBAgQIAAAQIEBikgABmkprwIEBicgJwIECBAgACBUgoIQErZrRpFgAABAgR6F7AlAQIEhikgABmmrrwJECBAgAABAgQIdC5QiZQCkEp0s0YSIECAAAECBAgQyIeAACQf/aAWjQLmCRAgQIAAAQIESikgACllt2oUAQIEehewJQECBAgQGKaAAGSYuvImQIAAAQIECHQuICWBSggIQCrRzRpJgAABAgQIECBAIB8C+QxA8mGjFgQIECBAgAABAgQIDFhAADJgUNkRKLqA+hMgQIAAAQIEhikgABmmrrwJECBAgEDnAlISIECgEgICkEp0s0YSIECAAAECBAi0FrBmlAICkFFqK4sAAQIECBAgQIBAxQUEIBX/ADQ23zwBAgQIECBAgACBYQoIQIapK28CBAh0LiAlAQIECBCohIAApBLdrJEECBAgQIBAawFrCBAYpYAAZJTayiJAgAABAgQIECBQcYFpAUjFLTSfAAECBAgQIECAAIEhCwhAhgwsewIdCkhGgAABAgQIEKiEgACkEt2skQQIECDQWsAaAgQIEBilgABklNrKIkCAAAECBAgQeErAu0oKCEAq2e0aTYAAAQIECBAgQGA8AgKQ8bg3lmqeAAECBAgQIECAQCUEBCCV6GaNJECgtYA1BAgQIECAwCgFBCCj1FYWAQIECBAg8JSAdwQIVFJAAFLJbtdoAgQIECBAgACBKguMs+0CkHHqK5sAAQIECBAgQIBAxQQEIBXrcM1tFDBPgAABAgQIECAwSgEByCi1lUWAAAECTwl4R4AAAQKVFBCAVLLbNZoAAQIECBCosoC2ExingABknPrKJkCAAAECBAgQIFAxgYoHIBXrbc0lQIAAAQIECBAgMGYBAciYO0DxBCoroOEECBAgQIBAJQUEIJXsdo0mQIAAgSoLaDsBAgTGKSAAGae+sgkQIECAAAECBKokoK0TAgKQCQT/EyBAgAABAgQIECAwGgEByGicldIoYJ4AAQIECBAgQKCSAgKQSna7RhMgUGUBbSdAgAABAuMUEICMU1/ZBAgQIECAQJUEtJUAgQkBAcgEgv8JECBAgAABAgQIEBiNwHgCkNG0TSkECBAgQIAAAQIECORMQACSsw5RHQLDFpA/AQIECBAgQGCcAgKQceormwABAgSqJKCtBAgQIDAhIACZQPA/AQIECBAgQIBAmQW0LU8CApA89Ya6ECBAgAABAgQIECi5gACk5B3c2DzzBAgQIECAAAECBMYpIAAZp76yCRCokoC2EiBAgAABAhMCApAJBP8TIECAAAECZRbQNgIE8iQgAMlTb6gLAQIECBAgQIAAgTIJNGmLAKQJikUECBAgQIAAAQIECAxHQAAyHFe5EmgUME+AAAECBAgQIDAhIACZQPA/AQIECJRZQNsIECBAIE8CApA89Ya6ECBAgAABAgTKJKAtBJoICECaoFhEgAABAgQIECBAgMBwBAQgw3FtzNU8AQIECBAgQIAAAQITAgKQCQT/EyBQZgFtI0CAAAECBPIkIADJU2+oCwECBAgQKJOAthAgQKCJgACkCYpFBAgQIECAAAECBIoskOe6C0Dy3DvqRoAAAQIECBAgQKBkAgKQknWo5jQKmCdAgAABAgQIEMiTgAAkT72hLgQIECiTgLYQIECAAIEmAgKQJigWESBAgAABAgSKLKDuBPIsIADJc++oGwECBAgQIECAAIGSCZQ8AClZb2kOAQIECBAgQIAAgYILCEAK3oGqTyC3AipGgAABAgQIEGgiIABpgmIRAQIECBAosoC6EyBAIM8CApA89466ESBAgAABAgQIFElAXTsQEIB0gCQJAQIECBAgQIAAAQKDERCADMZRLo0C5gkQIECAAAECBAg0ERCANEGxiAABAkUWUHcCBAgQIJBnAQFInntH3QgQIECAAIEiCagrAQIdCAhAOkCShAABAgQIECBAgACBwQgMJwAZTN3kaG07iwAACWJJREFUQoAAAQIECBAgQIBAyQQEICXrUM0hQIAAAQIECBAgkGcBAUiee0fdCBAgQKBIAupKgAABAh0ICEA6QJKEAAECBAgQIEAgzwLqViQBAUiRektdCRAgQIAAAQIECBRcQABS8A5srL55AgQIECBAgAABAnkWEIDkuXfUjQCBIgmoKwECBAgQINCBgACkAyRJCBAgQIAAgTwLqBsBAkUSEIAUqbfUlQABAgQIECBAgECeBHqoiwCkBzSbECBAgAABAgQIECDQm4AApDc3WxFoFDBPgAABAgQIECDQgYAApAMkSQgQIEAgzwLqRoAAAQJFEhCAFKm31JUAAQIECBAgkCcBdSHQg4AApAc0mxAgQIAAAQIECBAg0JuAAKQ3t8atzBMgQIAAAQIECBAg0IGAAKQDJEkIEMizgLoRIECAAAECRRIQgBSpt9SVAAECBAjkSUBdCBAg0IOAAKQHNJsQIECAAAECBAgQGKdAkcsWgBS599SdAAECBAgQIECAQMEEBCAF6zDVbRQwT4AAAQIECBAgUCQBAUiRektdCRAgkCcBdSFAgAABAj0ICEB6QLMJAQIECBAgQGCcAsomUGQBAUiRe0/dCRAgQIAAAQIECBRMoOABSMG0VZcAAQIECBAgQIBAxQUEIBX/AGg+gZ4FbEiAAAECBAgQ6EFAANIDmk0IECBAgMA4BZRNgACBIgsIQIrce+pOgAABAgQIECAwSgFlDUBAADIARFkQIECAAAECBAgQINCZgACkMyepGgXMEyBAgAABAgQIEOhBQADSA5pNCBAgME4BZRMgQIAAgSILCECK3HvqToAAAQIECIxSQFkECAxAQAAyAERZECBAgAABAgQIECDQmUBvAUhneUtFgAABAgQIECBAgACBaQICkGkcZgjkX0ANCRAgQIAAAQJFFhCAFLn31J0AAQIERimgLAIECBAYgIAAZACIsiBAgAABAgQIEBimgLzLJCAAKVNvagsBAgQIECBAgACBnAsIQHLeQY3VM0+AAAECBAgQIECgyAICkCL3nroTIDBKAWURIECAAAECAxAQgAwAURYECBAgQIDAMAXkTYBAmQQEIGXqTW0hQIAAAQIECBAgMEiBIeQlABkCqiwJECBAgAABAgQIEGguIABp7mIpgUYB8wQIECBAgAABAgMQEIAMAFEWBAgQIDBMAXkTIECAQJkEBCBl6k1tIUCAAAECBAgMUkBeBIYgIAAZAqosCRAgQIAAAQIECBBoLiAAae7SuNQ8AQIECBAgQIAAAQIDEBCADABRFgQIDFNA3gQIECBAgECZBAQgZepNbSFAgAABAoMUkBcBAgSGICAAGQKqLAkQIECAAAECBAj0I1DmbQUgZe5dbSNAgAABAgQIECCQMwEBSM46RHUaBcwTIECAAAECBAiUSUAAUqbe1BYCBAgMUkBeBAgQIEBgCAICkCGgypIAAQIECBAg0I+AbQmUWUAAUube1TYCBAgQIECAAAECORPIeQCSMy3VIUCAAAECBAgQIECgLwEBSF98NiZQYgFNI0CAAAECBAgMQUAAMgRUWRIgQIAAgX4EbEuAAIEyCwhAyty72kaAAAECBAgQINCNgLQjEBCAjABZEQQIECBAgAABAgQIPCEgAHnCwb+NAuYJECBAgAABAgQIDEFAADIEVFkSIECgHwHbEiBAgACBMgsIQMrcu9pGgAABAgQIdCMgLQECIxAQgIwAWREECBAgQIAAAQIECDwh0DwAeWKdfwkQIECAAAECBAgQIDBQAQHIQDllRqB/ATkQIECAAAECBMosIAApc+9qGwECBAh0IyAtAQIECIxAQAAyAmRFECBAgAABAgQIZAlYVyUBAUiVeltbCRAgQIAAAQIECIxZQAAy5g5oLN48AQIECBAgQIAAgTILCEDK3LvaRoBANwLSEiBAgAABAiMQEICMAFkRBAgQIECAQJaAdQQIVElAAFKl3tZWAgQIECBAgAABAlMFxvBeADIGdEUSIECAAAECBAgQqKqAAKSqPa/djQLmCRAgQIAAAQIERiAgABkBsiIIECBAIEvAOgIECBCokoAApEq9ra0ECBAgQIAAgakC3hMYg4AAZAzoiiRAgAABAgQIECBQVQEByBM9718CBAgQIECAAAECBEYgIAAZAbIiCBDIErCOAAECBAgQqJKAAKRKva2tBAgQIEBgqoD3BAgQGIOAAGQM6IokQIAAAQIECBCotkCVWy8AqXLvazsBAgQIECBAgACBEQsIQEYMrrhGAfMECBAgQIAAAQJVEhCAVKm3tZUAAQJTBbwnQIAAAQJjEBCAjAFdkQQIECBAgEC1BbSeQJUFBCBV7n1tJ0CAAAECBAgQIDBigTEHICNureIIECBAgAABAgQIEBirgABkrPwKJzBGAUUTIECAAAECBMYgIAAZA7oiCRAgQKDaAlpPgACBKgsIQKrc+9pOgAABAgQIEKiWgNbmQEAAkoNOUAUCBAgQIECAAAECVREQgFSlpxvbaZ4AAQIECBAgQIDAGAQEIGNAVyQBAtUW0HoCBAgQIFBlAQFIlXtf2wkQIECAQLUEtJYAgRwICEBy0AmqQIAAAQIECBAgQKDcAk+1TgDylIV3BAgQIECAAAECBAgMWUAAMmRg2RNoFDBPgAABAgQIEKiygACkyr2v7QQIEKiWgNYSIECAQA4EBCA56ARVIECAAAECBAiUW0DrCDwlIAB5ysI7AgQIECBAgAABAgSGLCAAGTJwY/bmCRAgQIAAAQIECFRZQABS5d7XdgLVEtBaAgQIECBAIAcCApAcdIIqECBAgACBcgtoHQECBJ4SEIA8ZeEdAQIECBAgQIAAgXIJ5LA1ApAcdooqESBAgAABAgQIECirgACkrD2rXY0C5gkQIECAAAECBHIgIADJQSeoAgECBMotoHUECBAgQOApAQHIUxbeESBAgAABAgTKJaA1BHIoIADJYaeoEgECBAgQIECAAIGyClQlAClr/2kXAQIECBAgQIAAgUIJCEAK1V0qS6CIAupMgAABAgQIEHhKQADylIV3BAgQIECgXAJaQ4AAgRwKCEBy2CmqRIAAAQIECBAgUGwBtW8tIABpbWMNAQIECBAgQIAAAQIDFhCADBhUdo0C5gkQIECAAAECBAg8JSAAecrCOwIECJRLQGsIECBAgEAOBQQgOewUVSJAgAABAgSKLaD2BAi0Fvj/AAAA//8gQ/N+AAAABklEQVQDAA0AxWC/N/HgAAAAAElFTkSuQmCC" alt="2025 연말정산 보험료공제" style="max-width: 100%; height: auto; border-radius: 8px;" /></div> <div style="text-align: center; margin-bottom: 20px;"> <script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808" crossorigin="anonymous"></script> <!-- [디스플레이, 사각형, 반응형] 최상단 고정 광고 --> <ins class="adsbygoogle" style="display:block" data-ad-client="ca-pub-4852002847348808" data-ad-slot="3059633324" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <div style="background-color: #F3F4F6; padding: 20px; border-radius: 12px; border: 1px solid #E5E7EB; margin-bottom: 30px;"><h3 style="margin-top:0; font-weight:bold; border-bottom: 2px solid #374151; padding-bottom:10px; margin-bottom:15px;">목차</h3><ul><li><a href="#section-1">2025 연말정산 보험료공제 정의 및 중요성</a></li><li><a href="#section-2">보험료공제 대상 범위</a></li><li><a href="#section-3">보험료공제 한도 및 공제율</a></li><li><a href="#section-4">제출 서류 및 유의사항</a></li><li><a href="#section-5">자주 묻는 질문(FAQ)</a></li></ul></div><p><strong> 연말정산, 꼼꼼한 보험료공제로 세금 절세 효과를 극대화하십시오. 본 문서는 2025년 연말정산에서 보험료공제를 최대한 활용하기 위한 필수 정보를 제공하며, 불필요한 세금 부담을 줄이는 데 기여할 것입니다.</strong></p><h2>서론: 2025 연말정산 보험료공제 개요</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gb8de9eb776c1ff4aea7ead8c73629321926d14d291fba94417c7e598a8ca4fafff9bffe18b67d29eda853b65d6f176e090ab7cf13a0af70f008638d23bd7071c_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g6c380e9638104ba063b6323f1bfc6e6c7fa916146c18b30697bd17bf2660d2fd81d795514caffb471bba12f7c0946779503dfce5b76a23facede5f47e27b329d_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g65b26ec23f706553aca6f73e3394e31e9bbb49dc463b63b3f5b6ce3367ad293897edf0afb151c2e0a8a7485de60e325e3e4acd895d9a6acf929dab1a960a90c4_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>연말정산 보험료공제는 근로소득자가 납부한 보험료 중 일정 금액을 소득에서 공제하여 세금 부담을 경감하는 제도입니다. 이는 국민의 합리적인 보험 가입을 장려하고, 미래의 위험에 대비하는 사회 안전망 구축에 기여함을 목적으로 합니다. 2025년 연말정산을 준비함에 있어 보험료공제의 정확한 이해와 올바른 적용은 효과적인 절세 전략 수립에 필수적입니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #fcf4f4; border-radius: 12px; border: 1px solid #fecaca; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #b91c1c; font-size: 1.05em;"> 추천 기사: 월세·기부금 공제 확대…2025년 연말정산 '벼락치기' 대비법</p> <a href="https://news.mt.co.kr/mtview.php?no=2024111816390771804" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #dc2626; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #991b1b;"> <span> 바로가기 Click</span> </a> </div> <h2 id="section-1">1. 2025 연말정산 보험료공제 정의 및 중요성 </h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gbcefb7c7cd6b54866052d35dcbc6446aef7696e327a97830db3024be33eddcb6517b9279d397a9fe88c66fd35edca204ea1680f4884f2df663c3e5a8dadf5db5_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/ge42ca98cbee3b3b77431eb16e96fa2fb5abb79259c6883d92f2d7e0826c7a46eb3698f5858fe2b8d775a29375b7e93e224c3aee8d43b1889d8adb958b60535d2_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g9b5adc29b4839c8c4c0ab62ecc3a96333bee73c3c9bc6e3b89e323dbdd6944cd82a853e8bb05425203dd4474a167ef55dc8c0f89d7d08dd725d323fbe1d152ce_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>보험료공제는 소득세법에 따라 근로소득자가 본인 및 부양가족을 위하여 지출한 보험료에 대해 적용되는 소득공제 항목입니다. 공제 대상 보험료는 보장성 보험료와 장애인 전용 보장성 보험료로 구분되며, 각각 정해진 한도 내에서 공제가 이루어집니다. 이는 근로소득자의 실질 소득을 증가시키는 효과를 가지며, 연말정산 환급액 증대에 직접적인 영향을 미치므로 그 중요성이 매우 높습니다.</p><h2 id="section-2">2. 보험료공제 대상 범위</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gdca484a97bcf011a4b49a52a4866ed67536a78d254fa94d80dfa60f1294c5877cb950abe8824344cba70717ebb4d24b5b1c2db946d7a0d00893df901ebafb24e_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gb1d30f5cf210e1954504d150a2ec832d675687f0c04b6a23bb5a95ed60324ef7335804fe2da5272a7b63e9a95cdc1ed85d045ac1dfd677a24ee1d79a792f2181_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g3f13c8ce0edb55918eb794f32903603c85191de4466842c55b66f2048f2a73981ab2db462615efcb6ac7ad583a11764ca558b6ae24cd9895fce56ac91780fc56_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>보험료공제는 모든 보험료에 적용되는 것이 아니며, 일정한 요건을 충족하는 보험료에 한해 공제가 가능합니다. 주요 대상 범위는 다음과 같습니다:</p><ul><li> <strong>계약자 및 피보험자 요건:</strong> 보험 계약자가 근로소득자 본인이거나 그 배우자 또는 기본공제 대상자인 부양가족이어야 합니다. 피보험자 역시 해당 요건을 충족해야 합니다.</li><li> <strong>보장성 보험:</strong> 생명보험, 상해보험, 손해보험 등 만기에 환급되는 금액이 납입보험료를 초과하지 않는 보장성 보험이 대상입니다. 저축성 보험은 공제 대상에서 제외됩니다.</li><li> <strong>장애인 전용 보장성 보험:</strong> 기본공제 대상자 중 장애인을 피보험자로 하는 보장성 보험에 대해서는 별도의 공제 한도가 적용됩니다.</li><li> <strong>국민건강보험, 고용보험:</strong> 이들 사회보험료는 별도의 소득공제 항목으로 분류되며, 보험료공제와는 별개로 전액 공제됩니다.</li></ul> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;"> 공식 사이트: 국세청 연말정산</p> <a href="https://www.nts.go.kr/nts/na/ntt/selectNttList.do?mi=2350&menuSe=NTT_REL&sLctCd=2350" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;"> <span> 바로가기 Click</span> </a> </div> <div style="text-align: center; margin: 30px 0;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 중간 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="6479636020" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <h2 id="section-3">3. 보험료공제 한도 및 공제율</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g31517a4735118ed67144904c2e064e11bbfe5ac629bbaa8cf805da28d103b754184583e799faab1f9fe1b626d7d1ab69ba9c79af08e5c5f22418344fda890143_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g980cd1c4a820762e3a592293639b81451ec80858920fe8facb4e97a8a88bb6fcdd02c96860996f7ccff9f7a0e38377f9a7c50645beb590e15a8275a55685f520_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g0b39995a1a35193069af8a9842574ed1ab28a546df21cdc0b09a82a932810f891f01f475563dedaf114e53eee8b9d70bf7cd4019f1bf1db5111e8235faa12361_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>보험료공제는 정해진 한도 내에서 일정한 공제율을 적용하여 계산됩니다. 2025년 연말정산 기준 공제 한도 및 공제율은 다음과 같습니다:</p><ul><li> <strong>보장성 보험료:</strong> 연간 납입액 100만원 한도 내에서 12%의 공제율이 적용됩니다. 최대 공제액은 12만원입니다.</li><li> <strong>장애인 전용 보장성 보험료:</strong> 연간 납입액 100만원 한도 내에서 15%의 공제율이 적용됩니다. 최대 공제액은 15만원입니다.</li></ul><blockquote><p><strong>참고:</strong> 보장성 보험료와 장애인 전용 보장성 보험료는 각각 별도의 한도가 적용되므로, 모두 해당하는 경우 최대 200만원까지 공제 대상 금액으로 인정받을 수 있습니다.</p></blockquote><h2 id="section-4">4. 제출 서류 및 유의사항</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gde22a3c47cf676995200d8587828443e60a421f8c04e69a32092b3c83ccd483e52b0dcb8bf9c3ff1534ed87eb23cf453ce503aeafb2e00a22ba04e201266dc29_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g572d73c5b1bca09f018207f359036838e5671ec4527a9df42ffaf23f653e0f09c98117ca6e1ad2c3b4eb6c01a354d81588f73e573a3fad8df47f254cafe48ad0_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g4458731c08d2e99aae954953d8cfc3e9829f3c3d18d10f90ae1809817c4dd5091a51e29f7ae65ac1252c901a1adad80639eabeb9a9f9e26b2d0567920863d4a5_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>보험료공제를 적용받기 위해서는 정확한 서류 제출과 특정 유의사항을 숙지하는 것이 중요합니다.</p><h3>4.1. 제출 서류 </h3><ul><li> <strong>보험료 납입 증명서:</strong> 보험회사에서 발급하는 납입 증명서가 필요합니다. 홈택스 연말정산 간소화 서비스를 통해 대부분의 자료를 자동 조회할 수 있습니다.</li><li> <strong>가족관계증명서 등:</strong> 부양가족의 경우 기본공제 대상임을 증명하는 서류가 필요할 수 있습니다.</li></ul><h3>4.2. 유의사항 </h3><ul><li> <strong>피보험자 요건 충족:</strong> 보험료 공제는 <strong>피보험자</strong>가 근로소득자 본인 또는 기본공제 대상자여야 합니다. 계약자가 누구인지는 중요하지 않습니다.</li><li> <strong>소득 요건:</strong> 기본공제 대상인 부양가족은 연간 소득금액이 100만원(근로소득만 있는 경우 총급여 500만원) 이하여야 합니다.</li><li> <strong>중복 공제 불가:</strong> 동일한 보험료에 대해 다른 소득공제나 세액공제와 중복하여 공제받을 수 없습니다.</li></ul><h2 id="section-5">5. 자주 묻는 질문(FAQ)</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/ga9efb0339611a14d3db9d0319d8e14f089893039b15a26c6395599532355890d2ea6a45fdb36ebe4a5a75d2c50a64ae4189b0be5dc1de14a676677c57b57dbe1_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gb2328b94a0e10d9ebbc14ee0cfc847cf57bb022ef3b97ddcd3994704efb2fe55d2cce6df3b298d0e12b0a87570b1d09be372276c143e5ff4c45c386dda029d3d_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g33e6d565eff5fbc6f7feb047c03c76194524b19df0194266bae328c1e0ca67e313c884fc46a38655edd04c97dc2ffba1108fb95e71f7ad414c528384197d36a3_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>보험료공제와 관련하여 자주 발생하는 질문과 답변은 다음과 같습니다.</p><ul><li><strong>Q1: 저축성 보험도 공제가 가능한가요?</strong><br>A1: 아니요, 저축성 보험은 만기 환급금이 납입 보험료를 초과하거나 초과할 가능성이 있는 보험으로, 소득공제 대상에서 제외됩니다. 보장성 보험만 공제 대상입니다.</li><li><strong>Q2: 부모님 보험료를 제가 냈는데 공제받을 수 있나요?</strong><br>A2: 부모님이 근로소득자의 기본공제 대상자(나이 및 소득 요건 충족)이고, 해당 보험의 피보험자가 부모님인 경우 공제 가능합니다. 계약자가 누구인지는 중요하지 않습니다.</li><li><strong>Q3: 해외에서 가입한 보험도 공제 가능한가요?</strong><br>A3: 국내 보험사에서 발행한 보험료에 한하여 공제가 가능하며, 해외 보험은 공제 대상에 포함되지 않습니다.</li></ul><h2>결론: 효율적인 보험료공제를 통한 절세</h2><div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g1a0c57d6c56d3cc03e697a8cd7007e6f969a8c7d38eca21d4123d11f2380c9e5fe13b6bc14bd57951f5843dccef79a8d_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/g31cf38fd3db2492260a2700e57c000f7b546a8f530de3a2e8ddea920e25e87de7aec93fe1934461d21700b5540d89a0a2108c42dd6dd62322779ea954efb93c6_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> <div style="width: 32%; flex: 1;"> <img src="https://pixabay.com/get/gf05a4cb9911cc5983df78c9d9d65281f422208192cd0e19fd72baf51b671e40f8ba0d0ed8e93c9febf8903b13382f2a91903193a8f108e1d830cff4cad597733_640.jpg" style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" /> </div> </div><p>2025년 연말정산에서 보험료공제는 근로소득자의 세금 부담을 효과적으로 경감할 수 있는 중요한 수단입니다. 본 문서를 통해 제공된 보험료공제의 정의, 대상 범위, 한도 및 유의사항 등에 대한 정보를 바탕으로, 납세자 여러분은 더욱 정확하고 효율적인 연말정산 준비를 할 수 있을 것입니다. 자신의 상황에 맞는 보험료공제 요건을 면밀히 검토하고, 필요한 서류를 미리 준비하여 불이익이 없도록 하는 것이 중요합니다. 적극적인 정보 습득과 활용을 통해 성공적인 연말정산을 완료하시기를 바랍니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;"> 공식 사이트: 국세청 연말정산</p> <a href="https://www.nts.go.kr/nts/na/ntt/selectNttList.do?mi=2350&menuSe=NTT_REL&sLctCd=2350" target="_blank" rel="noopener noreferrer" style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;"> <span> 바로가기 Click</span> </a> </div> <div style="text-align: center; margin-top: 30px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 하단 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="2540391017" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> 밥챙겨주는사람 https://eatfirstblog.tistory.com/32 https://eatfirstblog.tistory.com/32#entry32comment Fri, 12 Dec 2025 08:35:03 +0900 https://eatfirstblog.tistory.com/31 <div style="text-align: center; margin-bottom: 30px;"><img style="max-width: 100%; height: auto; border-radius: 8px;" src="data:image/png;base64,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" alt="2025 연말정산 주택대출공제" /></div> <div style="text-align: center; margin-bottom: 20px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 최상단 고정 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="3059633324" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <p data-ke-size="size16">&nbsp;</p> <div style="background-color: #f3f4f6; padding: 20px; border-radius: 12px; border: 1px solid #E5E7EB; margin-bottom: 30px;"> <h3 style="margin-top: 0; font-weight: bold; border-bottom: 2px solid #374151; padding-bottom: 10px; margin-bottom: 15px;" data-ke-size="size23">목차</h3> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><a href="#section-1">주택자금대출공제 개요</a></li> <li><a href="#section-2">장기주택저당차입금 이자상환액 소득공제</a></li> <li><a href="#section-3">주택마련저축 소득공제</a></li> <li><a href="#section-4">주택임차차입금 원리금 상환액 소득공제</a></li> <li><a href="#section-5">공제 신청 절차 및 유의사항</a></li> </ul> </div> <p data-ke-size="size16">2025년 연말정산 시 주택 관련 대출 공제 항목은 납세자의 절세에 중요한 영향을 미침. 본 문서는 주택자금대출 관련 소득공제의 핵심 내용을 상세히 다루어, 독자가 놓치기 쉬운 공제 혜택을 온전히 활용할 수 있도록 지원함을 목적으로 함. 이 글을 통해 복잡한 공제 요건과 절차를 명확히 이해하고, 성공적인 연말정산을 준비할 수 있을 것임.</p> <p data-ke-size="size16">주택자금대출공제는 근로소득자가 주택을 취득하거나 임차하기 위해 빌린 자금에 대한 이자 또는 원리금 상환액에 대해 소득공제 혜택을 부여하는 제도를 의미함. 이는 주거 안정 지원 및 국민의 내 집 마련 부담 경감을 목적으로 시행되며, 2025년 연말정산에서도 중요한 절세 항목으로 작용할 예정임. 공제 유형은 크게 장기주택저당차입금 이자상환액 공제, 주택마련저축 공제, 주택임차차입금 원리금 상환액 공제로 구분됨.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g7a65f0b8c70c13077940512ec3673bda79f6d870075c6431f6a03737bb5fbf108308cd53a41b5957736b3f3713f8caeec10afd6c7f719c1007f4105ab2f516ab_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gda94ac517f39710c077bdce3a8674ebb2cd37145f7500d6a0771ee5979800d97a8fe848ca3d19a6487684d30c5ac049a85d94944c0f4e76efc946f0f19dd7210_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gca44db14cb8150814ee0f10cfb4422d7f534da3dfbecdc17015fb581a87ca2c46f880e4ba936333f14dc39376af5ee7d1553d4ac35f874bb01cd9b9d74286b6a_640.jpg" /></div> </div> <h2 id="section-1" data-ke-size="size26"> 주택자금대출공제 개요</h2> <p data-ke-size="size16">주택자금대출공제는 근로소득자가 주택 취득 및 임차와 관련하여 발생한 특정 금융 비용에 대해 과세표준을 낮춰주는 제도임. 이는 세액공제와 달리 소득공제로서, 총 급여액에서 공제 금액을 차감하여 과세 대상 소득을 줄이는 효과가 있음. 주요 공제 항목은 다음과 같음.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li> <b>장기주택저당차입금 이자상환액 소득공제:</b> 주택 취득 시 장기 대출의 이자 상환액에 대한 공제.</li> <li> <b>주택마련저축 소득공제:</b> 주택 구입 및 전세자금 마련을 위한 저축 납입액에 대한 공제.</li> <li> <b>주택임차차입금 원리금 상환액 소득공제:</b> 전월세 보증금 마련을 위한 대출의 원리금 상환액에 대한 공제.</li> </ul> <p data-ke-size="size16">각 공제 항목별로 적용 요건, 한도, 필요 서류 등이 상이하므로 세부 내용을 정확히 숙지하는 것이 중요함.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gb6d0ff7c79c4f98b8f1f24853ebf3afd784291bcc8e91d68dd51ced45c54b63073ec2b1ec0718a7777566d9c4192d15443ecc03f7bef23ef9f154437a40a80bc_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gf44df4d3970642887fc2655ae3f65912939c199ce3161520edf0345dc797ecdbbad8da42e09a561530ff2a50b0a7357fb1ff7114ad7ae904c882bc259b8b2c49_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g2760a07ca13daeff7d49ca99fbbd0d6033141190c4191aac2514aeb8d870e085e4b4aab56b2d562fe478902e13d24979d3aaeb42d30ab5bd9533a66285ac2c0d_640.jpg" /></div> </div> <div style="margin: 30px 0; padding: 20px; background-color: #fcf4f4; border-radius: 12px; border: 1px solid #fecaca; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #b91c1c; font-size: 1.05em;" data-ke-size="size16"> 추천 기사: 2025년 연말정산 주택자금대출 소득공제, 최신 변경사항은?</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #dc2626; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #991b1b;" href="https://www.mk.co.kr/news/economy/10890184" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <h2 id="section-2" data-ke-size="size26"> 장기주택저당차입금 이자상환액 소득공제</h2> <p data-ke-size="size16">주택을 취득하기 위해 금융기관 등으로부터 장기주택저당차입금을 빌려 그 이자를 상환하는 경우 받을 수 있는 공제임. 공제 대상은 무주택 또는 1주택 세대주로서, 다음 요건을 충족하여야 함.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g283613c64d1b39b142a01448aebf533ae934cd3f2fad83d0df0deecee65c17d3a2cf18118ab6b6c0abe6f858fbc0e93b6022e9ed4570ff567ccc615e0f297183_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g086f23e04340060ad6b40c445d18c7f66ee4aacb8ca37e32a5f9efc90752165373bb9436ed7b9bfbd16975be6e42f48aeaf147a0190930037c4fbe893c6bc111_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g809df14b754e72c3c2594f4838659f8ab7bd6eb37c072350a95afdda77b59d572c7ac9eea3d9431137d20163ce9e369557f6b0d9f096968212f5576da58a6755_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li> <b>대상 주택:</b> 취득 당시 기준시가 5억원 이하의 주택(2013년 12월 31일 이전 차입분은 3억원 이하).</li> <li> <b>차입금 요건:</b> 상환기간 10년 이상 또는 15년 이상이며, 소유권이전등기일 또는 보존등기일로부터 3개월 이내에 차입한 경우.</li> <li> <b>소득 요건:</b> 근로소득이 있는 거주자.</li> </ul> <p data-ke-size="size16">공제 한도는 차입금의 상환 방식 및 기간에 따라 연간 300만원부터 최대 1,800만원까지 차등 적용됨. 특히, 주택 취득 시점과 차입금 상환 기간 요건을 면밀히 검토하여야 함.</p> <blockquote data-ke-style="style1"> <p data-ke-size="size16"><b>참고:</b> 2015년 이후 차입금부터는 상환기간이 15년 이상인 경우 거치식 상환 또는 비거치식 상환에 따라 공제 한도가 달라지며, 고정금리 및 비거치식 대출의 경우 공제 한도가 더 높게 설정됨.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge91d66b799243499414f3a37f575fdcb891f28a751c723e81cdacef46c55fc73247d2cf2ce3958d976c6f62cf17dcb99c2aa63f7d4eccaadcab8597cf79753c7_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g70636337b0ee9943f32b9915fe5ac077ad7f108a1860dda02247eb9ff5c395b429aa58c0e6d1368697f5ba6fdf5ab705c2f76f881d2df3850e6a309a91ae29da_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g9e61f4bdf33520d4bb69af162a3eb76d27a7e2512ffed2d438df93c3cabce9ab42dd908d6fd0c45f049f247c7e9e8c8c68e9f87f463aed44bef1837cbb8b2663_640.jpg" /></div> </div> </blockquote> <h2 id="section-3" data-ke-size="size26"> 주택마련저축 소득공제</h2> <p data-ke-size="size16">무주택 세대주가 주택청약종합저축, 청약저축, 근로자주택마련저축 등에 납입한 금액에 대해 소득공제를 받을 수 있음. 해당 공제는 연말정산 시 주거 안정을 위한 저축을 장려하는 목적으로 시행됨.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li> <b>대상:</b> 총 급여액 7천만원 이하의 무주택 세대주.</li> <li> <b>공제 대상 저축:</b> 주택청약종합저축 등.</li> <li> <b>공제 한도:</b> 연간 납입액의 40%(최대 240만원 한도).</li> </ul> <p data-ke-size="size16">주택마련저축 공제를 받기 위해서는 과세연도 종료일 현재 무주택 세대주 요건을 충족해야 하며, 주택 소유 시 해당 공제 혜택은 중단될 수 있음. 금융기관으로부터 주택마련저축 납입증명서를 발급받아 제출하여야 함.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gb1b82119baa1b97192c2fbe3deabc44ea7a50a341b3d1b98baa94fa3d433579ce3decd32ffc77fa898f09b2b4f179d1d348df80a748fa03fbc3e9226157c0935_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g9b5c4c89c982b8ff70e92015a8e4a2076d5a5a408da61e82ea440cf6c088cc81baa44d212ff527ea583163201b6e831dad03c4dbaf1578db759c2114269e7454_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gf50026134c1c497640f16dd10d7c9be0f28c3dc361119fb07260c9283913c89a46b5196e76991c89c034228e40f5ecb8c4149b40d25afb3b684f52bc61e2363d_640.jpg" /></div> </div> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 국세청 홈택스</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.hometax.go.kr" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <div style="text-align: center; margin: 30px 0;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 중간 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="6479636020" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <h2 id="section-4" data-ke-size="size26"> 주택임차차입금 원리금 상환액 소득공제</h2> <p data-ke-size="size16">전세자금대출의 원리금 상환액에 대한 소득공제는 무주택 근로소득자의 주거비 부담을 덜어주기 위한 제도임. 금융기관으로부터 주택을 임차하기 위해 차입한 대출의 원리금 상환액이 공제 대상이 됨.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g54ba29097bd910358445c2d9a7a5f67b98186aa939a9b5d343be77ab3b44d72638c192d869d10ef82576165be436ee804482359dd7490714266858bca619da9b_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gcc4f11f541baf3366d82f39934c13a99f4e40a74817b52280733bcb356b595f8cdbac903dd8892581eb7a9079e0ed18f_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g8f11c913c3f947eb15fd42b181db9aa1d56a7aee4ff97eb48314b1adf71472e147ff99595e81c6ccfe3de5884d51e3a7719140402ba282b893d9f2c736f7c26a_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li> <b>대상:</b> 무주택 세대주로서 총 급여액 7천만원 이하인 근로소득자 (배우자 포함).</li> <li> <b>차입금 요건:</b> 주택법에 따른 국민주택규모(85m&sup2;) 이하의 주택을 임차하기 위해 금융기관에서 차입한 대출로서, 임대차계약서상 입주일과 주민등록표등본상 전입일 중 빠른 날로부터 1개월 이내에 차입한 경우.</li> <li> <b>공제 한도:</b> 원리금 상환액의 40% (연 400만원 한도).</li> </ul> <p data-ke-size="size16">주택임차차입금 소득공제는 대출기관이 금융기관이어야 하며, 임대차계약서의 전입 요건 등을 엄격히 심사함. 따라서 관련 서류를 철저히 준비하는 것이 필수적임.</p> <h2 id="section-5" data-ke-size="size26">✅ 공제 신청 절차 및 유의사항</h2> <p data-ke-size="size16">주택자금대출공제는 국세청 연말정산 간소화 서비스를 통해 대부분의 자료가 자동 제공되나, 일부 자료는 납세자가 직접 준비하여 제출해야 함. 정확한 공제 적용을 위해 다음 사항에 유의하여야 함.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gafcb4bf8082cb3a7affcdc476bd48df5ea158934202e6c651db60785a512153d6406607f7e7211ca7bfaa781897582de074640c13dce51b046db59983ffb1ac2_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g7982ada5c55bd253c5a1617f3d001f5c8d3a1f9d3ba53d6518d81f3c43ee9273bfdcfa8254f0fe614fd076ea4359bbfb_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gcc8a9f33f8a4aae7fb28ac5a64d072b9e14050c118d5b908538b87c884f6e7d4b9082adaf5051469ff3703ff731626afe3f111d65c097397f3f0e8f6c6760039_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li> <b>요건 충족 여부 확인:</b> 각 공제 항목별 주택 요건, 소득 요건, 대출 요건 등을 꼼꼼히 확인.</li> <li> <b>증빙서류 준비:</b> 금융기관 대출금 상환 내역서, 주택청약종합저축 납입 증명서, 임대차계약서 사본, 주민등록등본 등 필요한 서류를 미리 준비.</li> <li> <b>세대주 요건:</b> 해당 연도 12월 31일 현재 세대주 요건을 충족하는지 확인. 세대원이 공제받는 경우 세대주가 해당 공제를 받지 않아야 함.</li> <li> <b>중복 공제 불가:</b> 동일 주택 및 동일 차입금에 대해 여러 공제를 중복하여 적용받을 수 없음.</li> </ul> <p data-ke-size="size16">궁금한 사항은 국세청 홈택스 웹사이트 또는 세무서 상담을 통해 확인하는 것이 가장 정확함.</p> <p data-ke-size="size16">2025년 연말정산 시 주택자금대출공제는 근로소득자의 주거 안정과 절세에 크게 기여하는 핵심 항목임. 장기주택저당차입금 이자상환액, 주택마련저축, 주택임차차입금 원리금 상환액 공제 등 각 공제 항목의 요건을 명확히 이해하고 관련 증빙서류를 철저히 준비함으로써, 최대한의 공제 혜택을 누릴 수 있음. 본 문서가 납세자의 성공적인 연말정산 준비에 도움이 되기를 바람.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 국세청 홈택스</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: 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src="data:image/png;base64,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" alt="2025 연말정산 주택청약" /></div> <div style="text-align: center; margin-bottom: 20px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 최상단 고정 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="3059633324" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <div style="background-color: #f3f4f6; padding: 20px; border-radius: 12px; border: 1px solid #E5E7EB; margin-bottom: 30px;"> <h3 style="margin-top: 0; font-weight: bold; border-bottom: 2px solid #374151; padding-bottom: 10px; margin-bottom: 15px;" data-ke-size="size23">목차</h3> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><a href="#section-1"> 2025 연말정산 주택청약 소득공제 개요</a></li> <li><a href="#section-2"> 공제 대상 및 주요 요건</a></li> <li><a href="#section-3"> 소득공제 한도 및 공제율</a></li> <li><a href="#section-4"> 필요 서류 및 유의사항</a></li> <li><a href="#section-5"> 2025년 변경사항 및 확인사항</a></li> </ul> </div> <p data-ke-size="size16">2025년 연말정산을 준비하는 납세자들에게 주택청약 관련 소득공제는 중요한 절세 항목입니다. 본 문서에서는 주택청약 소득공제의 핵심 내용을 명확히 정리하여, 복잡한 세법 규정 속에서 납세자들이 놓칠 수 있는 공제 혜택을 최대한 활용할 수 있도록 안내합니다. 정확한 정보를 통해 성공적인 연말정산을 계획하시기 바랍니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g74ce9a0354d7d8fbc7ce869c0178e4ce3154f6cbd6d420678b36e8b3df4a5a4351d9bf1a6ca7060a58191996f4a22128730b743f9149da5deb11f3739144b3ff_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gcfaef3308cf61f2c714515719db7419679245c45b1749536502a43c130006759fb30b75dc0bfeeb16c4a91d1ace15762e099b88b88ea9663325869949fdff582_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gc291a000e1a969dd315b89e6d009b1a9f9271c16b048c2dd624dee2b9adf1a781abcc130b357d59c3d6303757ac223f93f60c1f7e05796bb1a991bb21eaa6de8_640.jpg" /></div> </div> <p data-ke-size="size16">주택청약 소득공제는 무주택 세대주가 주택청약종합저축 등 특정 주택마련저축에 납입한 금액에 대해 일정 비율을 소득에서 공제해주는 제도를 의미합니다. 이는 주택 구매를 위한 저축을 장려하고, 무주택자의 내 집 마련 부담을 경감시키기 위한 목적으로 시행됩니다. 매년 연말정산 시 주택청약 납입액에 대한 소득공제 혜택을 받을 수 있으며, 공제 요건 및 한도를 정확히 이해하는 것이 중요합니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g5435517d63b828b1dc50cc7e0b6e912779414e255371776c67df483f8ae3748e200c3c8b965a810bc17a73906f8fc315725eb930287d6ac0946345214f5d91f7_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gc5a6dbcd18605f346bbdd44f7591e74f346bc74796771f0a9366b05a5bf33fa81c947760874332519c3526b05717bb62549a98f5c63a21e65d6381f430f54b87_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g8263271c0bee7d11a6db764adce100c44303022e5f3f053d4c03815cbe9f6d0b89f3c6c54e2965351ea6b573dbc97360cd757c888725ce03cc7f91058564f470_640.jpg" /></div> </div> <h2 id="section-1" data-ke-size="size26"> 2025 연말정산 주택청약 소득공제 개요</h2> <p data-ke-size="size16">주택청약 소득공제는 「조세특례제한법」에 근거하여 무주택 세대주에게 제공되는 세제 혜택입니다. 이는 근로소득자가 주택청약종합저축 등의 주택마련저축에 납입한 금액 중 일정 부분을 종합소득금액에서 공제함으로써, 실질적인 세 부담을 줄여주는 제도입니다. 2025년 연말정산 시 적용되는 주택청약 소득공제는 2024년 납입분에 대한 것으로, 현행 세법이 유지될 경우 동일한 기준이 적용됩니다. 본 공제는 납세자의 주택 마련을 위한 자발적인 노력을 지원하는 정책적 의의를 지닙니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g0b2304c1f237146a1ffc5af52ed33c1c5bdb052ce66c1c21eb8abff2f652301b77ffbf9484b1094e88cced920f25bc86681d77ba2339f1d2689d5c4c0db992de_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g17d847715474eb5da2177d6e8a592ca672945885cd6296aea55f81e92861e4e65c07cef047f1158ea260dc4118a6f0bafdc38e673d9be7b16c2a992eea65fb7a_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g23005d1cc237859c30ed5a4ac9714068d992aba17aba71b78c5a78e528f008dc54df8f5f37f951bff5c02cd4ac2ba2bc03a11244d9aa0b66afec7d373fdc2106_640.jpg" /></div> </div> <div style="margin: 30px 0; padding: 20px; background-color: #fcf4f4; border-radius: 12px; border: 1px solid #fecaca; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #b91c1c; font-size: 1.05em;" data-ke-size="size16"> 추천 기사: 2025년 연말정산 주택청약 소득공제, 무주택자 절세 필수가이드</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gee3c4ffc6842c2145369ec35f527e66fdb4d7056866185ae4a7ff12ae868f9058614d7d9f6fa848f38306fd98dbc3e7e7340e24da7c95b395db822f65313541e_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g9860c282e1cd4971f0bc341f164bba442df17aa2c2dbcc6ec5234e7a638a55dc601a78b7415586b73c46e3a2ed2a89674ba10ffc1a80c361d80f3012d553334f_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g459958db6f091db9e81ae7abd8f910e15a47cf986ef876444c86c63136401b2f909b412bfed96187b5d7fb3e473e145520fdc3e02a39c2a3713f490798edaf20_640.jpg" /></div> </div> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #dc2626; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #991b1b;" href="https://www.mk.co.kr/news/economy/xxxxxx" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <h2 id="section-2" data-ke-size="size26"> 공제 대상 및 주요 요건</h2> <p data-ke-size="size16">주택청약 소득공제를 적용받기 위해서는 다음의 대상 및 요건을 모두 충족하여야 합니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g9dd12613452b6d923d3a752916d2e9e1c80d82ff189aeed90693b43fae25587409d23439e6de05f40a8e94e0573835bed4964f1c4ecf6882a8927eed5e690f2e_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g976cc78b1edc698804685c50dbd576d425579c04f29857a8d52a7b8a22bf66a807606053ed84034536482235df838e7cf58488308e1b9ba86680f4c69aa66c47_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/ge49eba2444f134f43c231ef8bd11ca55b71606d9e5749d7d49deca6914eea2413bf549ab4cc81059b576f4ace4a83b592bebc491a130f31cbae3cd3fffc6424d_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>납세자 요건</b>: 총급여액이 7천만원 이하인 근로소득자 중, 과세연도 종료일 현재 무주택 세대주인 경우에 한합니다. 여기서 '무주택 세대주'란 세대주를 포함한 세대원 전원이 주택을 소유하지 아니한 경우를 말합니다.</li> <li><b>저축 요건</b>: 주택청약종합저축에 납입한 금액이어야 합니다. 기존 주택청약저축, 청약예금, 청약부금은 가입 시기에 따라 소득공제 대상에 포함될 수 있으나, 현재는 주택청약종합저축이 주된 대상입니다.</li> <li><b>가입 기간 요건</b>: 주택청약종합저축에 가입한 날로부터 공제신청일 또는 당해 과세연도 종료일 현재까지 무주택 세대주 요건을 충족하여야 합니다.</li> <li><b>납입 금액 확인</b>: 연 240만원 한도 내에서 납입한 금액에 대해 공제가 적용됩니다.</li> </ul> <blockquote data-ke-style="style1"><b>주의</b>: 과세연도 중 주택을 취득한 경우, 해당 연도부터는 무주택 세대주 요건을 충족하지 못하므로 공제 적용이 불가합니다.</blockquote> <h2 id="section-3" data-ke-size="size26"> 소득공제 한도 및 공제율</h2> <p data-ke-size="size16">주택청약 소득공제의 구체적인 한도와 공제율은 다음과 같습니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/gf63b97ee06310201eca886b230785c642d73812a779b623f58f6270dc57f93fe994716736378bf4cf74995f4a9515f970ccb7332ed7553bbf690b0dc0d3826e1_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g43ede0bfcc7871d58e8c8899456d642d5423cfbed457e3ff669a7cea7749c6f6c4bb09282b23f916f00f2758b0a0877e9c4ffdff58b24e34705f5fc2fbfb23c0_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g48652214ffb0e8df27b7713936c0c5e6a8c179af58eb95bdaff14aef2b6bd4987588c828f6072e3ee5419e6e02d8c0c192f171ac1407184d689617237eab0393_640.jpg" /></div> </div> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>공제율</b>: 연간 납입액의 40%가 소득공제됩니다.</li> <li><b>공제 한도</b>: 연간 납입액 240만원을 한도로 합니다. 따라서 최대 소득공제액은 연 96만원 (240만원 * 40%)입니다.</li> <li><b>적용 시점</b>: 해당 과세연도에 납입한 총액을 기준으로 산정됩니다. 예를 들어, 2024년에 총 240만원을 납입하였다면, 2025년 연말정산 시 96만원의 소득공제를 적용받을 수 있습니다.</li> </ul> <p data-ke-size="size16">이러한 한도와 공제율은 주택 마련을 위한 장기 저축을 유도하며, 동시에 세제 혜택의 규모를 적정 수준으로 유지하기 위함입니다.</p> <div style="display: flex; gap: 10px; margin: 30px 0; justify-content: space-between;"> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g03de3f9c3e4c72c49bb92b07394042f9bd58e96c6a0ebfee87801c95335a1804dd7353d400512bb9525d6500d15ed9db2acf4fd79629cf5906b0408659c68e81_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g40def6614514862a5cd0e0c269d18782cc22c6158086b0633756c57da6eb89bb1b81589935f417efbedee5cf5ddc74ea_640.jpg" /></div> <div style="width: 32%; flex: 1;"><img style="width: 100%; height: auto; border-radius: 4px; object-fit: cover; aspect-ratio: 16/9; display: block;" src="https://pixabay.com/get/g91eeca2ae329ccc5be1b5a91551745150341c2af2ae0e5a787e7428260ce7a46e9f02338b13697f8df919f06d2f5622e_640.jpg" /></div> </div> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 국세청 연말정산 종합안내</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.nts.go.kr/nts/cm/cntnts/cntntsView.do?mi=2334&amp;cntntsId=77033" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <p data-ke-size="size16">&nbsp;</p> <div style="text-align: center; margin: 30px 0;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 중간 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="6479636020" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <h2 id="section-4" data-ke-size="size26"> 필요 서류 및 유의사항</h2> <p data-ke-size="size16">주택청약 소득공제를 신청하기 위해서는 다음의 서류를 구비하여 제출하여야 하며, 몇 가지 유의사항이 있습니다.</p> <h3 data-ke-size="size23">필요 서류</h3> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>주택청약종합저축 납입증명서</b>: 가입 금융기관에서 발급받을 수 있습니다. 연말정산 간소화 서비스에서 자동 조회될 수 있습니다.</li> <li><b>무주택확인서</b>: 가입 금융기관에 제출하여 무주택 세대주임을 확인받아야 합니다. 최초 1회만 제출하면 되나, 세대주 변경 등 변동사항 발생 시 재제출해야 할 수 있습니다.</li> <li><b>주민등록등본</b>: 세대주 및 세대원 구성 확인을 위해 필요합니다.</li> </ul> <h3 data-ke-size="size23">유의사항</h3> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>추징금 발생 가능성</b>: 소득공제 혜택을 받은 후 5년 이내에 주택청약종합저축을 해지하거나, 국민주택규모를 초과하는 주택에 당첨되어 그 주택에 입주하는 경우 등 요건을 위반 시 공제받은 금액과 이자 상당액이 추징될 수 있습니다.</li> <li><b>중도 해지 시 불이익</b>: 공제 혜택을 받기 위해서는 최소 5년 이상 유지하는 것이 유리하며, 중도 해지 시 추징 외에도 당초 비과세 혜택 등이 취소될 수 있습니다.</li> <li><b>세대주 요건 유지</b>: 연말정산 시점뿐만 아니라 과세연도 종료일까지 무주택 세대주 요건을 충족해야 합니다.</li> </ul> <h2 id="section-5" data-ke-size="size26"> 2025년 변경사항 및 확인사항</h2> <p data-ke-size="size16">2025년 연말정산에 적용되는 주택청약 소득공제 관련 규정은 기본적으로 2024년 세법 개정안에 따라 결정됩니다. 현재까지 주택청약 소득공제에 대한 중대한 변경사항은 발표되지 않았으나, 세법은 매년 개정될 수 있으므로 국세청 등 공식 채널을 통해 최신 정보를 확인하는 것이 필수적입니다.</p> <ul style="list-style-type: disc;" data-ke-list-type="disc"> <li><b>국세청 연말정산 간소화 서비스 활용</b>: 매년 1월 중순부터 제공되는 연말정산 간소화 서비스를 통해 자신의 주택청약 납입 내역 및 공제 가능 금액을 편리하게 확인할 수 있습니다.</li> <li><b>세법 개정 동향 주시</b>: 기획재정부의 세법개정안 발표 및 국회 통과 여부를 지속적으로 확인하여 변경될 수 있는 공제 요건이나 한도에 대비하여야 합니다.</li> </ul> <p data-ke-size="size16">변동 가능성이 있는 항목이므로, 연말정산 시즌에 맞춰 국세청 홈페이지 및 관련 보도자료를 면밀히 검토할 필요가 있습니다.</p> <p data-ke-size="size16">2025년 연말정산 시 주택청약 소득공제는 무주택 근로소득자의 세 부담을 경감하는 중요한 수단입니다. 본 가이드에서 제시된 공제 대상, 요건, 한도 및 필요 서류를 정확히 이해하고 준비함으로써, 납세자들은 놓치는 세금 혜택 없이 효율적인 연말정산을 수행할 수 있을 것입니다. 지속적으로 변화하는 세법 환경 속에서 최신 정보를 확인하고 전문가의 조언을 구하는 것이 현명한 절세 전략의 핵심입니다.</p> <div style="margin: 30px 0; padding: 20px; background-color: #f0f9ff; border-radius: 12px; border: 1px solid #bae6fd; text-align: center; box-shadow: 0 2px 4px rgba(0,0,0,0.05);"> <p style="margin-bottom: 12px; font-weight: bold; color: #0369a1; font-size: 1.05em;" data-ke-size="size16"> 공식 사이트: 국세청 연말정산 종합안내</p> <a style="display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; background-color: #0284c7; color: white; text-decoration: none; border-radius: 8px; font-weight: bold; transition: all 0.2s; box-shadow: 0 2px 0 #075985;" href="https://www.nts.go.kr/nts/cm/cntnts/cntntsView.do?mi=2334&amp;cntntsId=77033" target="_blank" rel="noopener noreferrer"> <span> 바로가기 Click</span> </a></div> <div style="text-align: center; margin-top: 30px;"> <script src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4852002847348808"></script> <!-- [디스플레이, 사각형, 반응형] 하단 광고 --> <ins class="adsbygoogle" style="display: block;" data-ad-client="ca-pub-4852002847348808" data-ad-slot="2540391017" data-ad-format="auto" data-full-width-responsive="true"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> 밥챙겨주는사람 https://eatfirstblog.tistory.com/30 https://eatfirstblog.tistory.com/30#entry30comment Fri, 12 Dec 2025 06:20:31 +0900