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Starting next week, the banknotes will actively block credit loans that exceed 100 million won or exceed 200% of annual revenue.
Earlier, on the 13th, the financial authorities announced on the 30th that they will implement the regulation of ‘40% Total Debt Principal Repayment Rate (DSR) 40% ‘on credit loans exceeding 100 million won for individuals. high-income with an annual income of more than 80 million won, but it is about 1 from the time of regulation. About a week earlier, the banks are going to tighten up.
This is because the task of managing the total amount of loans fell on the rise due to the rapid rise in credit loans of 1.5 trillion won in just one week after the regulatory announcement by the authorities. Some banks regulate the DSR 40% for loans over 100 million won regardless of income. We are preparing self-regulation even stronger than government guidelines, such as its enforcement.
◇ DSR 40% for credit loans over 100 million regardless of income … Double annual salary credit loans are practically blocked
According to the banknote on the 22nd, KB Kookmin Bank will significantly strengthen the selection of credit loans exceeding 100 million won and more than 200% of annual income from the 23rd.
Specifically, the ‘DSR 40% or less’ regulation applies to borrowers (those who borrow money) with credit loans that exceed 100 million won (KB Kookmin Bank and other bank loans combined). DSR is the value obtained by dividing repayment of principal and interest not only for home mortgages, but also for all home loans, such as credit and card loans, by the annual income and represents the level Loan burden on income.
The ‘DSR 40% target for credit loans over 100 million won’, which the financial authorities announced on the 30th, is for high-income individuals with annual income of 80 million won, but KB Kookmin Bank has loans Credit in excess of 100 million won regardless of income. It is a policy to apply written regulations.
Furthermore, KB Kookmin Bank decided to pay only within 200% of annual income as of the 23rd with the goal of suppressing excessive credit loans compared to income.
Woori Bank also plans to implement restrictions on credit loans exceeding 100 million won in the next week before the 30 days.
A Woori Bank official said: “The regulatory compliance time announced by the authorities is 30 days, but Woori Bank will shorten the schedule 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 conversation about early application of regulations.”
Although Agricultural Cooperatives are not regulated by DSR, they are suppressing credit loans by lowering the cap and prime rates one after the other.
Before the 18th, prime and general credit loan rates were reduced by 0.2 percentage points (p) and 0.3 percentage points, respectively, and after the 20th, the limit on credit loans for High-income people exceeding 80 million won was established as’ 2 of the annual income. It was reduced to less than twice.
Previously, for example, Supoproron for professionals cost 200 million won, and Mediproron for doctors 250 million won, etc., for each credit loan product, but now it is more than double the annual salary (200%) regardless of the product. . It means that it prevents you from receiving loans on credit.
◇ Double opening of a negative bank book … Authorities “There was no consultation with the banks … each bank trying to meet the annual aggregate objective”
As such, banks tightly block credit loans ahead of regulation by authorities until the end of the year due to a large increase in preliminary demand for a “last train” after the government’s announcement of regulations for credit loans on the 13th. This is because the chance of not meeting the total loan amount goal for this year increased.
Looking at the statistics on the performance of each bank’s credit loans, the creditworthiness of KB’s top five banks Kookmin, Shinhan, Hana, Woori, and NH Nonghyup reached 131.354 trillion won as of 19.
This is an increase of 1.53.1 trillion won in just 7 days, compared to 12.95 trillion won the day before the regulatory announcement (12th).
In particular, the number of new negative bank books opened by the first of the five major banks jumped from 1,931 on the 12th to 4.82, which almost doubled on the 18th. The fact that the total amount of loans is interpreted to have an effect credit is added the limit of negative books opened after the entry into force of the regulation on the 30th.
Regarding the regulation of advance loans in the banking sector, an official of the financial authorities said: “Every year, banks present their plans to financial authorities in this way, how much is annual credit and how much is mortgage credit. goal is not well followed by Corona 19 “. When I got it from the banks in September, some banks had too many loans than 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 their own control over these things,” he explained.
When asked, “Isn’t that pressure on the banking sector to implement credit regulation early?” He denied, “I haven’t had any conversations with the banking sector recently.”
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