{
  "preparedAt": "2026-09-07",
  "preparation": "AI-assisted source retrieval, browser observation and arithmetic checks; no separate human fact-check recorded.",
  "hf": {
    "sourceUrl": "https://www.hf.go.kr/ko/sub05/sub05_04_05.do?articleNo=600503&mode=view",
    "publishedAt": "2026-08-26",
    "effectiveMonth": "2026-09",
    "product": "아낌e-보금자리론",
    "endpoints": [{"years":10,"annualPercent":4.9},{"years":50,"annualPercent":5.2}],
    "scenarioPrincipalKRW": 300000000,
    "scope": "Published endpoint rates; principal is a controlled assumption. Eligibility not established."
  },
  "aptObserved": {
    "url": "https://apt.tooolbox.com/",
    "observedAt": "2026-09-07",
    "filters": {"region":"경기도 과천시","priceMinManwon":30000,"priceMaxManwon":150000,"areaMinM2":59,"areaMaxM2":100,"historyYears":5,"ltvPercent":50,"cashPercentOfMaximumPrice":40,"annualPercent":4,"years":30},
    "candidate": {"name":"과천타워","areaM2Displayed":80.9,"transactionDate":"2026-03-25","priceKRWDisplayed":1020000000,"cashKRW":600000000,"loanKRW":420000000,"monthlyPaymentManwonDisplayed":201},
    "managementStatus": "Unavailable: the upstream request returned HTTP 400 during this observation.",
    "scope": "Observed APT screen, not an independently certified MOLIT transaction, active listing or complete housing-cost total."
  },
  "moveObserved": {
    "url":"https://move.tooolbox.com/",
    "observedAt":"2026-09-07",
    "from":"Dallas, TX","to":"Seattle, WA","filingStatus":"single",
    "currentSalary":100000,"offerSalary":125000,"currentRent":2100,"targetRent":3200,"currentNonHousing":2000,
    "modelCostIndices":{"Dallas":91,"Seattle":114},
    "displayed":{"currentAnnualTax":20820,"targetAnnualTax":28297,"currentMonthlyTakeHome":6598,"targetMonthlyTakeHome":8059,"monthlyDifference":-145,"breakEvenSalary":127549,"threeYearDifference":-5227},
    "scope":"Product-model replay. Regional indices are configured MOVE assumptions, not current official city observations; state income-tax model is zero for this wage scenario. Payroll benefits, WA premiums, local taxes, credits, and household adjustments are excluded."
  },
  "usgs": {
    "sourceUrl":"https://waterservices.usgs.gov/nwis/iv/?format=json&sites=01646500&startDT=2026-09-02T07:45:00Z&endDT=2026-09-02T08:00:00Z&parameterCd=00065&siteStatus=all",
    "accessedAt":"2026-09-07",
    "site":"01646500","parameter":"00065","unit":"ft","qualifier":"P: provisional, subject to revision",
    "values":[{"at":"2026-09-02T03:45:00-04:00","value":2.86},{"at":"2026-09-02T03:50:00-04:00","value":2.87},{"at":"2026-09-02T03:55:00-04:00","value":2.87},{"at":"2026-09-02T04:00:00-04:00","value":2.86}],
    "scope":"Historical station gage-height series. Not water depth, discharge, fishing quality, a live feed or a safety threshold."
  }
}