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[앵커]As of the 30th of this month, government regulations are significantly tightened, such as loan repossession if a person who has received more than 100 million won in credit loans buys a home within a year. Credit lending surged more than 1 trillion won in just five days after the settlement was announced.
There are crowds of people trying to do the so-called “last spirit” before the settlement, but reporter Kim Joo-young reported on the site how far it was.
[리포트]In the afternoon, the bank counter is crowded with customers looking for loan advice.
Credit Loan Customers
“I thought this way in late December or early next year. I was very surprised when the (government) told me to do it by the end of November. The contract is terminated immediately.”
On the 13th, when the government announced that it will recover the loan if you buy a house within a year after receiving over 100 million won in loans, the application for the so-called “ last credit loan ” runs until 30, which it is the grace period.
Indeed, in the five days since the government’s announcement until yesterday, credit lending to five commercial banks increased by KRW 1.1 trillion.
From November to 12, credit lending increased by KRW 6622 billion. This is an unusually large increase in five days.
A, a 20-year-old employee
“Since I cannot get a special offer, it is difficult to raise funds and since regulation starts on the 30th, I want to reach the limit early …”
The DSR has become strict for high-income workersThe application of the rule also lengthened the “last train on loan”.
Kwon Dae-jung / Professor of Real Estate Department, Myongji University
“If restrictions on other people’s capital also limit credit lending, I think it will be increasingly difficult to buy a home.”
It should be noted that this loan regulation also prevents the financial line for end users who are marginalized from benefits such as the special offer for the spouses.
This is Chosun Kim Joo-young TV.
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