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Banknotes begin regulation on credit loans over 100 million won / annual salary
After a rapid increase of 1.5 trillion won in one week, it was executed before the 30 days announced by the authorities.
(Seoul = Yonhap News) Finance team = From next week, banknotes will completely block credit loans that exceed 100 million won or exceed 200% of annual income.
Earlier on the 13th, the financial authorities announced on the 30th 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 over 80 million won annually from the 30th. A week or so earlier, the banks will “tighten up”.
This is because the task of managing the total amount of loans has fallen on the rise due to the rapid increase in credit loans of 1.5 trillion won in just one week after the regulatory announcement by the authorities. Some banks regulate DSR 40% for loans exceeding 100 million won regardless of income. We are preparing even stronger self-regulation than government guidelines, how to apply it.
◇ DSR 40% on credit loans over 100 million regardless of income … Double salary loans are practically on hold
According to the 22nd note, KB Kookmin Bank will significantly strengthen the screening of credit loans exceeding 100 million won and more than 200% annual revenue from the 23rd.
In particular, the “DSR 40% or less” regulation is applied to borrowers (those who borrow money) with loans exceeding 100 million won (KB Kookmin Bank and other combined bank credits). The DSR is a 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 for annual income, and represents the level of burden of the loan on income.
The target of the ‘DSR 40% for credit loans exceeding 100 million won’, which the financial authorities announced on the 30th, is for high-income workers with an annual income of 80 million won, but KB Kookmin Bank has credit loans that exceed 100 million won regardless of income. It is a policy to enforce written regulations.
In addition, KB Kookmin Bank has decided to pay only within 200% of the annual income from the 23rd with the intention of eliminating excessive credit loans over income.
Woori Bank is also planning to implement credit loan regulations in excess of 100 million won in the next week before 30 days.
A Woori Bank official said: “The regulatory enforcement time announced by the authorities is 30 days, but Woori Bank will curtail the program and implement it as soon as the related IT system development work is completed.” “It is distributed internally.”
He said: “Not only at Woori Bank, but also in recent meetings between banking professionals, there was a common history of early enforcement of regulations.”
Although agricultural cooperatives are not regulated by the DSR, they are suppressing credit lending by reducing the cap and preferential interest rates one after another.
Before 18, the preferential interest rates of excellent and general credit loans were reduced by 0.2% (p) and 0.3% of points, respectively, and by the 20th the credit limit for high-income workers income exceeding 80 million won was set as’ 2 of annual income. Reduced to “within time”.
Previously, for example, Supofroron for professionals was 200 million won, and Mediproron for doctors 250 million won, etc., for each credit loan product, but now more than double the annual salary (200%) regardless of the product. It means that it prevents you from receiving credit loans.
| Credit balance of the 5 main banks and opening of negative passbooks (Unit: KRW 100 million, pieces) ※ Collection of statistics on the performance of each bank |
||
| Balance of credit | Number of negative booklet openings | |
| November 12 | 1,295,053 | 1931 |
| November 13 (Communication of credit lending rules by the authorities) |
1,297,031 | 2774 |
| November 16 | 1,305,064 | 3163 |
| November 17 | 1,305,081 | 3584 |
| November 18 | 1,308,657 | 4082 |
| November 19 | 1,310,354 | 3753 |
| 13-19 days of increase | 15.301 | Number of negative bank books opened per day, approximately doubled from 13 |
◇ Double opening of a negative bank book … Authority “There was no consultation with the banks … each bank tried to reach the aggregate annual target”
Therefore, banks heavily freeze credit lending prior to regulation by authorities, until the end of the year, as temporary demand credit lending increased significantly after the government announced on the 13th its rules on lending. credit. This is because the possibility of not meeting the target for the total loan amount this year has increased.
Looking at each bank’s credit loan performance statistics, the credit balance of the top five banks KB Kookmin, Shinhan, Hana, Woori and NH Nonghyup reached 131.354 trillion won as of the 19th.
This is an increase of 1.53.1 trillion in winnings in just 7 days, compared to 12.95 trillion in winnings the day before the regulatory announcement (12th).
In particular, the number of new negative books opened on the 1st of the five largest banks jumped from 1,931 on 12 to 4.82, almost doubled on 18. It is interpreted that the fact that the limit of negative bank books opened after entry in force of the regulation 30 is added to the total amount of credit loans takes effect.
Regarding the regulation of advance loans in the banking sector, an official from the financial authorities said: “Every year, banks submit their plans to the financial authorities in this way, how much is the annual credit and how much the mortgage loans. This goal is not well followed by Corona 19. ” When I got it from the banks in September, some banks had too many loans compared to their original target, “he said.
“Therefore, it was pointed out that it was too different from the plan, and it seems that the banks have taken control of these things.”
When asked, “Isn’t this pressure on the banking sector to implement the loan regulation soon,” he denied, “I haven’t had any discussions with the banking sector recently.”
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22/11/2020 06:15 sent
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