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The standard 30 day application notice from the authorities … KB Kookmin and Shinhan, etc. Already in action
Loan limits and preferential interest rates per bank were also reduced.
(Seoul = Yonhap News) Reporter Shin Gyeong-gyeong = From the 30th the regulation of loans for high-income people announced by the financial authorities will begin in earnest.
The core of the credit lending regulation announced by the financial authorities on the 13th is that from the 30th, if the total amount of credit for high-income workers above 80 million won per year exceeds 100 million won, every single Borrower (borrower) will have a total debt principal repayment ratio (DSR) of 40% or less (non-bank 60% or less) is regulated.
(Seoul = Yonhap News) Reporter Sang-gyun Han = A loan window in a city bank on the 18th.
When interest rates and limits are in favor of the recent move by banks and authorities to regulate credit lending, credit lending has increased due to the demand for loans early. According to the top five commercial banks, the loan balance has increased by 6568 billion won to both 99.6 billion and 21.4 billion depending on the bank in the last two days from 14. 2020.9.18 [email protected]. kr
DSR is the value obtained by dividing the repayment of principal and interest not only for home mortgages, but also for all household loans such as credit card loans and annual income, and represents the level of the burden of the income loan.
Also, if an individual who has received a credit loan of over 100 million won buys a home in a regulated area within one year, the credit loan is repaid. For example, an individual who has already received a 90 million won loan from a banknote will receive another 30 million won after 30 days and if he buys a house in the Seoul area early next year, he will have to throw up 30 million won. .
The authorities have announced that the 30th will be the date of entry into force, but in reality the banknotes have already entered the “squeeze” of credit loans since the beginning of last week of the following week.
Since the 23rd, KB Kookmin Bank has applied the “DSR within 40%” regulation to borrowers with credit loans exceeding 100 million won (KB Kookmin Bank and other combined credit loans).
In particular, KB Kookmin Bank, regardless of income, is considered subject to DSR regulation when the loans exceed 100 million won, which is more intense than the guidelines of the financial authorities for “people with an annual salary above 80 million won “.
In addition, KB Kookmin Bank only paid off credit loans within 200% of annual income after 23 with the intention of eliminating over-income credit loans.
Shinhan Bank has already entered into DSR regulations on credit loans above 100 million won from borrowers with annual income exceeding 80 million won since midnight (28) on the 27th.
In the case of Nonghyup Bank, since 30, in addition to the guidelines of the authorities, the limit of the non-face-to-face flagship credit product “All-One Worker Loan” has been reduced from 150 million won to 100 million won and the higher grade of “All-One Worker Loan” and “All-One Minus Loan” The preferential interest rate (current 0.3% points) has been decided to be eliminated.
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29/11/2020 18:56 sent
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