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▲ Last month, a branch of a commercial bank in Seoul. Union |
According to the banknotes on the 2nd, Kakao Bank, a specialized internet bank, resumed new negative bank loan applications targeting high creditors from the previous day. Kakao Bank suspended new loans from negative bank accounts from the 17th of last month until the end of the year. At the time, Kakao Bank said: “We are temporarily suspending new applications for negative bank loans to stabilize household debt, which has recently increased rapidly.”
As credit loans increased sharply in the second half of last year, the financial authorities demanded that the banks manage the total amount of the loans, and the banks committed a crime of credit loans with a greater strength than expected.
Starting with Kakao Bank on the first day of the new year, major banks such as KB Kookmin Bank, Shinhan Bank, and Woori Bank plan to lower the credit lending threshold again starting this month.
Kookmin Bank plans to resume sales of all home credit loans over 20 million won, which had been restricted since the 22nd of last month, during this month. Earlier on the 14th of the same month, Kookmin Bank also suspended all home credit loans exceeding 100 million won by adding new and additional applications and existing cases.
“Other Loans for Loans”, which converts other home loans into home loans from Kookmin Bank, will also be possible again starting this month.
Since 23 last month, Shinhan Bank restricted the application of new credit loans for most households, except for low-income financial products, but it will begin receiving new loans again next week. Previously, Shinhan Bank stopped applying for non-contact credit loans as of the 15th of the same month, and virtually blocked all applications for face-to-face and non-contact credit loans.
Woori Bank will resume the sale of its flagship home-based credit credit product, ‘Woori Worker Loan’, which was suspended on the 11th of last month. However, the reduction of the prime rate and the ceiling adjusted to KRW 100 million will continue to apply.
NH Nonghyup Bank applies the prime rate for home loans, which was lowered from November of last year until the end of the year, as it was from 4. The maximum prime rate for home mortgage loans under the rate The variable interest rate is currently 1.0% to 1.4%, and the maximum prime rate for credit loans increases from 0 to 0.25% to 0.8 to 1.2%.
Although banks are releasing their locks on credit lending, their breath is slightly open, but credit lending is unlikely to increase rapidly in the short term like last year. Financial authorities continue to monitor banknotes and control the total amount of credit loans, and banks are not completely lowering their credit threshold. It is known that the monthly increase in credit loans that financial authorities require from banks is around 2 trillion won.
In the case of Hana Bank, starting on the 6th, the credit limit for professional professions such as doctors and lawyers will be lowered from the previous 150 million won to 50 million won. Other banks have not completely eliminated the guilt of loans, such as continuing for a while without easing the credit limit that has been adjusted for professional jobs.
A banking sector official said: “Last year, we were able to temporarily limit the growth of credit credits by enforcing strict regulations on credit credits, but we have to watch the atmosphere.
Reporter Song Doo-ri [email protected]
