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KB Kookmin Bank bans credit loans of more than 20 million won
Non-face-to-face credit loans were discontinued like Kabin, Shinhan and Woori
Banks are tightening credit lending under pressure from authorities to manage loans to households. Photo = News 1
Banks are beginning to seriously block credit loans under pressure from financial authorities to administer domestic loans.
According to the finance industry on the 22nd, KB Kookmin Bank decided to block all new home credit loans exceeding 20 million won from today until the end of the year. This means that if a person applies for new credit or requests an increase in credit, they will not approve it if it exceeds 20 million won, including group credit loans and negative bank books.
Since the 14th, it has stopped all home credit loans worth more than 100 million won and has stepped up with stricter loan regulations.
However, loans can be made if the desired loan date is after January 4 of the next year or if the first loan document is sent before the 21 of the past, and credit loans backed by the finances of ordinary people (KB Intermediate Interest Rate Loan · KB New Hope Scepter II · KB Happy Dream Loan Ⅱ, etc.) is also an exception.
KB Kookmin Bank and Shinhan Bank have also blocked home and officetel mortgage loans and taking out loans for the whole family through loan advisers until the end of the year. Loan counselors act as loan counseling desks outside of the bank and connect banks and borrowers (money borrowers), but in recent years there have been no instances of loan blocking through them.
Since the 15th, Shinhan Bank has stopped accepting non-face-to-face credit loans from office workers through the ‘Convenient Office Workers Credit Loan’ product, and Woori Bank has also blocked the sale of ‘We WON Office Workers Loans’, the flagship product of non-face-to-face credit loans since the 11th. Kakao Bank, a specialized Internet bank, also discontinued a new “passbook-less credit loan” for high-credit office workers as of 17.
The reason why banks close their credit counters is attributed to the pressure exerted by financial authorities to manage family loans. The Financial Oversight Service is reported to have recently brought together executives in charge of home loans (vice presidents) from commercial banks and cautioned: “Make sure you stick to the goal of managing total home loans for the year.” Banks that have failed to achieve the goal of managing total household loans during the year are reprimanded through “individual interviews.”
There is also a cheek sound on the bill. It is true that loans to homes have increased, but the opinion is that the government, which failed in the real estate policy, has caused an increase in the demand for loans. A banking sector official said: “To buy an expensive house you have to make ‘spirits’ (that is, attract souls), but if you announce that you will block credit loans, it is natural that the demand will come for loans in advance.”
Sesung Oh, Hankyung.com Reporter [email protected]
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