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| Commercial bank loan window / Photo = Reporter Hanbyul Lim |
At the end of last year, the door of a ticket that was locked is opened. Credit loans that were suspended in accordance with the government’s home loan policy will resume starting in the new year. However, the measure to reduce the professional loan limit is expected to continue for the time being.
According to the finance industry, on day 2, Shinhan Bank began accepting offline applications for office worker credit loans, including ‘convenient office worker credit loans’ from day 1. In order to control the speed of credit loans, the sale of non-contact credit products was resumed, suspended from the 15th of last month until the end of the year.
Applications for face-to-face credit loans will also resume on the 4th, when the branches are open. From last month 23 until the end of the year, Shinhan Bank did not accept new applications for most home loan products, excluding ordinary financial products, at its branches.
Measures to prevent home loans and loans for external use will also be released this month through loan counselors. Shinhan Bank decided to accept a remote application for home mortgage loans for the purpose of a life stabilization fund, which had been suspended until the end of last year.
Kakao Bank also resumed ‘no bank credit loans’ for high credit workers starting at 6am on Day 1. Woori Bank is planning to resume the sale of the ‘Won-Won Office Worker Loan’, a credit product credit card that was suspended on the 11th of last month. However, this year, the reduction of the prime rate and the adjustment of the ceiling (100 million won) will also be extended.
KB Kookmin Bank will also loosen the loan lock again from the 4th day. Starting on the 14th of last month, all loans to households exceeding 100 million won will be suspended in principle, and from the 22nd, all new loans to households that exceed 10 million won.
It is also possible to revert to home loans from other banks to home loans from Kookmin Bank. However, measures to lower limits on credit loans, such as professional loans, which have been in place since late September last year, will continue for the time being.
Some measures to reduce prime rates on loans will also be relaxed. NH Nonghyup Bank has requested to lower the prime rate for loans to households in branches from November last year until the end of the year, but as of the 4th of this month it has decided to re-apply the existing prime rate system.
Consequently, the prime prime rate for variable rate home mortgage loans will increase by 0.4 percentage points from 1.0% to 1.4%. The maximum prime rate for credit loans increases from 0 to 0.25% to 0.8 to 1.2%.
