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Since bank rates are so cheap these days, lower-burden credit loans are on the rise.
However, when someone used this money to buy a house, the financial authorities decided to regulate it.
In particular, it was aimed at high-income people with an annual salary of more than 80 million won.
This is reporter Noh Kyung-jin.
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The core of this measure focuses on high-income credit loans.
In fact, last month, loans to households increased by KRW 13.2 trillion, up 7% year-on-year, while loans on credit rose more than 16%.
Unlike the vulnerable class, such as the self-employed and the common people, who are struggling with Corona 19, financial authorities believe that their loan proceeds largely flow into the real estate market, driving an increase in housing prices. the House.
[이세훈/금융위원회 금융정책국장]“There is an undesirable aspect for credit loans to flow into the housing market or these asset markets through excessive leverage.”
First, as of the 30th of this month, for a person with an annual income of more than 80 million won to receive a credit of 100 million won or more, the total amount of the principal on the debt and the repayment of interest that must pay monthly must not exceed 40% of income.
Now, it is decided to apply the DSR regulation to credit credits, which applies only to purchases over 900 million won in the regulated area.
Consequently, if your monthly salary is 7 million won, you will not be able to receive a credit loan of 100 million won or more if your monthly principal and interest payable exceed 2.8 million won.
However, charter loans are not included in the repayment of principal and interest.
Also, to prevent people from buying a house with the so-called ‘Yeongkeul’ credit loan, if a person who received a credit loan of 100 million won or more buys a house in a regulated area within a year, the loan will be withdrawn.
In addition, we plan to strengthen the autonomous loan management of the banking sector through constant verification to prevent banks from obtaining more than double their income.
However, financial authorities said they plan to maintain an active credit provision policy for ordinary people and small business owners, in addition to the policy to strengthen credit loans for high-income people.
This is Noh Kyung-jin from MBC News.
(Video edit: Lee Sang-min)
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