<Anchor> As
credit loans surged, the government decided to change large credit loans to pay off principal and interest each month.
There is a high possibility that the amount of money owed each month will increase significantly, so there is a movement to accept credit loans in advance.
This is reporter Jeon Hyeong-woo.
<Reporter> The
policy to pay not only interest but also principal amount on credit loans was recently revealed in a New Year's Report of the Financial Services Commission.
As one of the measures to curb household debt, only the direction is known first.
If you borrowed 100 million won with an annual interest rate of 3% and 5 years, you could pay interest only about 250,000 won a month and pay back the principal later.However, if you repay the principal and interest together, the monthly money will increase to about 1.8 million won, resulting in a close number of credit loan users. I'm nervous.
[Banking officials: Inquiries about whether they are eligible for principal and interest repayment are increasing. In particular, in February, the movement of customers to repay credit loans and receive new credit loans is expected to increase (expected.)]
To alleviate this anxiety, negative When it was announced that the bankbook would not be applied retroactively to credit loans received before the implementation of the system with an exception, a move to obtain a loan in advance came out.
[Workers in their 30s: People buy things even at a discount, but they have no choice but to get a loan.
The terms of the loan product are getting worse.]
The increase in credit loans slowed down in December last year due to loan regulations by the financial authorities, but in two weeks this month, only the five largest banks increased by KRW 1.8 trillion.
The financial authorities are planning to announce details such as the standard for large loans subject to amortization of principal and the grace period in March.