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regulations on mortgage loans have been strengthened, credit loans often cover insufficient funds. The government has decided to implement measures to prevent such credit loans from flowing into the real estate market.
Reporter Deok-ki Yoo reports.
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DSR, total liabilities principal and interest repayment ratio is the value of all household loan principal and interest repayments divided by annual income.
It is a criterion by which a bank judges a borrower's ability to pay off a loan.
The government has decided to apply 40% of DSR to high income earners with an annual income of more than 80 million won from the 30th and borrow more than 100 million won from a bank with a credit loan.
It means that high-income earners will not be able to receive many credit loans.
Currently, the target is expanded to apply only when loans are received as collateral for houses with a city value of over 900 million won in speculative or overheated areas.
In addition, regardless of income, if you receive a credit loan of more than 100 million won and buy a house in a regulated area within one year, the credit loan will be recovered.
Regardless of the number of loans, it is applicable if the total amount exceeds 100 million won.
In the case of a negative passbook, the set limit amount is taken as the total loan amount, not the actual amount used.
It is to prevent high-income people from taking credit loans and using them to buy houses.
[Gyu-sang Do/Vice-Chairman of the Financial Services Commission: We will strengthen the management of the use of large credit loans so as to suppress the demand for investment in the asset market using excessive leverage]
There is a conflict between the prospect that it will help stabilize the wriggling home prices again and that it will limit end users' chances of buying a home.
(Video coverage: Kim Hak-mo, video editing: Kim Jong-tae, CG: Choi Jin-hoe)