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Starting today (30th), if your annual income exceeds 80 million won, it becomes difficult to receive a credit loan of over 100 million won.
It is the so-called'spirit', that we will stop buying a house by attracting even the soul, but voices of dissatisfaction are high.
This is reporter No.
<Reporter>
I want to receive a credit loan of 100 million won or more, but my annual salary exceeds 80 million won, so the loan may be difficult starting today.
This is because it is subject to the DSR, that is, 40% of the total debt repayment ratio.
It is the total amount of the loan principal repayment against the annual income of the borrower.
When you earn 80 million won before tax, all loans such as existing mortgage loans, automobile installments, and credit card loans are considered. If your annual salary exceeds 40%, that is, 32 million won, you cannot borrow.
It is to prevent high-income families from buying houses by adding credit to their mortgage loans.
In the case of a negative bankbook, the set limit amount is taken as the total loan amount, not the actual amount used.
Not for each bank, it is calculated by summing the loans received from all banks.
Also, regardless of income, if you receive a credit loan of over 100 million won and buy a house in a regulated area within one year, the credit will be recovered within 14 days.
The outlook that it will help stabilize the house price and concerns about limiting the opportunity for end-users to find a house are mixed, and the total credit balance of the five major commercial banks, including KB Kookmin Bank, has increased by KRW 2.2 trillion over the two weeks since the regulatory announcement Appeared.