<Anchor>
I will explain the difficult economic story in an easy way.
Let's start a friendly economic time.
Reporter Kim Hye-min is also here today (3rd).
Reporter Kim, there seems to be a lot of talk today that the government is reducing credit loans, but let's first explain what the situation is like.
<Reporter>
Yes, some time ago, the Financial Services Commission made a business report, and the short phrase here has made a big impact on the market.
Credit loans exceeding a certain amount will be repaid monthly to the principal. Now credit loans pay only interest every month and then repay the principal at maturity.
However, if the principal is paid monthly together, the burden on the borrowers will be much greater.
So, at the time of the announcement of the Financial Services Commission, the interest of reporters and public opinion was hot.
Several predictions are being made about this standard of repayment of the principal here and there, but the Financial Services Commission has not yet settled precisely, and only said that it would release specific details in March.
However, what is certain now is that loans received prior to the enforcement of the regulation are not retroactive.
So, those who already have credit loans don't have to worry about the annual renewal.
Most of the credit loan maturity is 5 years, but when the maturity is reached and a new loan is made, it will be applied at that time, but it will not change every year in line with the renewal cycle.
In addition, even if a negative bankbook was received after the regulation was implemented, it is not necessary to repay the principal monthly.
<anchor>
Reporter Kim, and I can also give you the amount that you can get a loan in the future.
But this is a bit difficult to term. What is DSR?
<Reporter>
Yes, to explain this term first, it means dividing the sum of the principal and interest of all loans borrowed by one person by his or her annual income.
This includes everything from home mortgage loans to credit loans and credit card loans. In general, it is assumed that the mortgage loan is divided into 8 years and the credit loan is divided into 10 years.
Now, the total amount of loans managed by banks only needs to exceed 40% of the average DSR.
But in the future, we will apply this individually to each borrower.
DSR regulations have already been individually applied since last year when receiving mortgage loans exceeding 900 million won and when high income earners receive credit loans of 100 million won or more.
This time, I'm going to go one step further and introduce it to everyone who borrows.
Although the individual DSR criteria have not been clearly established, it seems likely to be determined between 40% and 60%.
<Anchor> As the
government tightens the regulations on loans, it seems that people who need loans will see a lot of demand for loans to the negative bankbook, which is relatively less regulated.
<Reporter>
Right.
From the beginning of last month to the 28th, 43,000 new negative bankbooks were opened in five major commercial banks.
On a business day basis, at the end of last year, it was around 1,000 a day, but last month it increased by over 2,000 a day.
Negative bankbook loans also increased by 1.2 trillion won from the end of last year, and it seems that there were many people who made negative bankbooks in advance because government regulations continued.
As explained earlier, negative bankbooks are sometimes excluded from the amortization of credit loans, and as the loans increase, regulations are added again.
From today, Shinhan Bank has lowered the maximum limit of minus bankbooks for office workers and public officials to 100 million won, which was originally 100 million won.
Woori Bank has already reduced it to 50 million won since last month, and other banks are also lowering the limit or raising interest rates.
<Anchor>
But reporter Kim, this is inevitable, and there are many people who need to get a loan because they need money right now.
But then, if the loan regulation gets severe, I think they might be able to go to a second financial sector, such as a savings bank with higher interest than a commercial bank with cheap interest.
So, isn't the problem getting worse?
<Reporter>
That's right.
In fact, in the second half of last year, household loans from the second financial sector increased by over 15 trillion won.
This is in great contrast to the decrease of KRW 4.4 trillion in the first half of last year.
As commercial bank lending regulations are tightened, low-credit people appear to have been concentrated in the second financial sector.
Still, the government says that the second financial sector will not regulate lending for the time being.
This is because there are more loans for living or business funds than commercial banks. The second financial sector has a higher interest rate and there are many lenders with poor repayment ability, so how the government and financial sector will manage this risk in the future is the key.