From tomorrow 100 million in loans to collect loans from homes in regulated areas within a year

[이데일리 이승현 기자] If you get a loan of 100 million won or more from the 30th and buy a house in a regulated area like Seoul within one year, the loan will be repaid. Even when high-income workers with an annual income of 80 million won or more receive a loan of 100 million won or more from a bank, the current maximum 40% of the principal repayment ratio of total debt applies ( DSR).

The Financial Services Commission announced on the 13th that the “Management Plan for Home Loans as Credit Loans” will be implemented in earnest from the 30th. Last month the financial authorities began to tighten up large credit loans, as the loans to households increased by more than 7%.

In the future, we plan to thoroughly test the use of large credit loans. After receiving a credit loan of over 100 million won as of 30, if a home is purchased in a regulated area such as a speculation zone or an overheated speculation zone within one year, the loan is repaid. It serves to prevent real estate investments through so-called “young people” such as credit loans.

However, this regulation is enforced by the individual borrower, not couples. For example, if a couple receives a loan of 95 million won each and buys a house in a regulated area within a year, there is no measure to recover the loan. The regulation does not apply to loans received before 30 days.

The goals and standards for DSR application have also been strengthened. DSR is the value obtained by dividing all principal and interest due annually by the borrower by the annual income.

From 30, we will reduce the share of high DSR loans in the financial sector. Currently, commercial banks manage their DSR of 70% and 90% of the excess loan amounts to 15% and 10% of the amount of new loans managed respectively and reduces them to 5% and 3%. By lowering this number, banks are taking a closer look at their ability to repay borrowers.

In addition, credit loans of over 100 million won for income earners of 80 million won or more per year are included in the DSR application by the borrowers. The annual income of 80 million won is 10% higher than the income. Currently, the 40% DSR regulation is applied individually to banknote loans with a market price above 900 million won in the regulated area. If the annual income is 100 million won, the principal and interest to be paid annually is only 40 million won.

Major commercial banks have already begun to reduce large credit loans from high-income people.

KB Kookmin Bank has been applying regulation within 40% of the DSR to borrowers with loans exceeding 100 million won (including other banks) since the 23rd. Shinhan Bank has also initiated DSR regulation on credit loans above 100 million won from borrowers with an annual income of 80 million won. Hana Bank reduced the limit of “Hana One Q”, its flagship non-face-to-face credit loan product, from 220 million won to 150 million won.

Woori Bank lowered the limit for face-to-face and non-face-to-face credit loan products from 200 million won to 300 million won to 100 million won. NH Nonghyup Bank is also reducing the limit for “loans for all employees” from 150 million to 100 million won.

A loan advice desk at a bank in Seoul. (Photo = Newsis)