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Earlier, the financial authorities announced on the 13th that they will implement the “ Total Debt Principal Repayment Ratio (DSR) 40% ” regulation on credit loans above 100 million won for high-income workers with an annual income of over 80 million won as of the 30th. It is to start managing credit loans.
Credit loans increased by 1.5 trillion won in just one week, as the demand for loans before the regulation increased rapidly. As a result, the banking sector started managing credit lending before the system was implemented.
Since the 23rd, KB Kookmin Bank has established a policy to apply the DSR regulation of 40% to borrowers exceeding 100 million won by combining Kookmin Bank and other banks with credit loans regardless of income and to pay off credit loans only by 200% of the annual income. The DSR is the value obtained by dividing the repayment of principal and interest not only for 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.
Woori Bank is also planning to implement credit loan restrictions in excess of 100 million won in the next week as soon as the computer system development work is completed. Since 18, NH Nonghyup Bank has lowered preferential interest rates for high-quality credit and general credit loans by 0.2 percentage points and 0.3 percentage points, respectively, and lowered the credit limit for workers to high income to “within double the annual income”.
Due to the demand to lend money in advance following the regulatory announcement by the authorities, the credit balance of the top five banks, including KB Kookmin, Shinhan, Hana, Woori and NH Nonghyup, reached 131 trillion and 35.4 billion. billions on 19 and 12 (129 trillion 5). Compared to 153 billion won), it increased by 1.5301 billion won. The number of new negative passbooks opened by the five largest banks doubled from 1,931 on 12 to 4.82 on 18.
Kim Ju Ogija [email protected]
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