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Until the service delay … Demand for the last car exploded before the regulations
[앵커]When the so-called “Young-eul” of renting a house with as much money as possible rose rapidly, the government decided to be guilty of credit loans, which is key money reduction.
In particular, due to the mortgage recovery policy if you buy a home in a regulated area within one year with a loan credit of over 100 million won, the ‘last car’ request to borrow before settlement will hurry to delay the service.
This is reporter Lee Dong-hoon.
[기자]This is the screen before checking the loan limit of a specialized internet banking app.
The service was delayed due to connection congestion.
On the 13th, when a person with an annual income of more than 80 million won receives a loan of more than 100 million won, the repayment of the principal and interest of the loan does not exceed 40% of their income and within one year of receiving a credit of over 100 million won The request to get on the so-called “last car” is growing sharply since from the 30th the regulation will be implemented to collect the loans immediately when buying the house.
On the 12th, the day before the settlement was announced, the balance of personal loans at the five major commercial banks was approximately 122.3 trillion won. Increased.
In addition to direct government regulations, banks have lowered credit limits and raised interest rates, making it increasingly difficult to obtain credit.
However, in the online community, various ideas for gimmicks are emerging one after another, such as obtaining a bypass loan of less than 100 million won through a family.
“Lowering the DSR (Total Debt Principal Repayment Ratio) is not bad in terms of reducing family debt. The problem is, of course, that if you know people are programmed, a balloon effect can occur.”
The move to get as much loans as possible due to rising house prices and jeonse prices is expected to continue until the end of this month.
This is Lee Dong-hoon of Yonhap News TV.
Yonhap News TV article inquiries and reports: katok / line jebo23
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