At the end of the year, banknotes strongly tightened household loans to manage the total amount of loans, making it difficult to receive not only billions of loans, but even credit loans exceeding 20 million won.
According to the financial sector, KB Kookmin Bank has decided to block all new household credit loans exceeding 20 million won in principle from today (22nd) to the end of the year.
This means that if a consumer applies for a new loan or requests an increase in credit loans (including collective credit loans and negative bankbooks) exceeding KRW 20 million, the loan will not be approved.
Starting on the 14th, the company has in principle halted all household credit loans exceeding KRW 100 million by adding new and additional applications and existing cases, followed by stronger loan regulations.
However, if the desired loan date is after January 4 of next year or the first sending date of loan documents is before the 21st of the past, credit loans supported by ordinary people's finances (KB Site Middle Interest Rate Loan, KB New Hope Scepter II, KB Happy Dream Loan II, etc.) are approved. This is possible.
An official at KB Kookmin Bank explained the purpose of “measures to prevent the rapid increase in household loans at the end of the year and the resulting risk (risk) expansion.”
Although there are some differences in the strength of the regulation, banknotes, where the task of managing total loans before the end of the recent year, has been at the forefront are locking down household loans, especially credit loan counters.
On the 17th, Kakao Bank, an internet specialized bank, stopped a new'minus bankbook credit loan' for high-credit workers.
Since the 15th, Shinhan Bank has not received applications for non-face-to-face credit loans from office workers through the'Convenient Office Worker Credit Loan' product, and Woori Bank has also sold'We WON Office Worker Loans', the flagship product of non-face-to-face credit loans from the 11th. Stopped.
In addition, KB Kookmin Bank and Shinhan Bank are also planning to prevent housing and officetel mortgage loans through loan counselors and recruitment of all household loans by the end of the year.
Similar to a card recruiter, a loan counselor acts as a loan counseling counter outside the bank and connects the real bank to the borrower (the borrower), which means that they will not accept loan applications through them for the time being.
The credit limit for professional professions such as doctors and lawyers, who are consumers of high-value credit loans worth hundreds of millions of won, is also constantly decreasing.
As early as the end of this month, Hana Bank plans to reduce the basic limit for professional credit loans from 150 million won to 50 million won by 100 million won, and Shinhan Bank already has a professional credit loan of 250 million to 300 million won by job category. The upper limit was lowered to 200 million won at once.