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order to reduce household debt, which is growing rapidly, the authorities have come up with a plan to make it more difficult for the authorities to obtain loans from financial institutions in the future. It means that we will carefully examine whether we have the ability to pay off the debt, but the loan threshold for the common people is expected to be higher.



Reporter Lim Tae-woo will deliver this information.



<Reporter> When a



financial institution lends money, the borrower's ability to repay is sufficient.



DSR, that is, the ratio of principal and interest owed to annual income, is limited, and the DSR regulation, which was applied by financial institutions, has been decided to apply for each borrower from July.



Loans are phased out over two years.



Starting in July, DSR 40% will be applied when loans for apartments with a market price of 600 million won or more in regulated areas such as Seoul as collateral.



If your income is 100 million won per year, you can borrow only in the range of not exceeding 40 million won per year in terms of principal and interest.



Then, from July of next year, if the total loan amount exceeds 200 million won, from July 2023, if the total loan amount exceeds 100 million won, the DSR is regulated by 40%.



[Lee Se-hoon/Financial Policy Bureau of the Financial Services Commission: With the goal of restoring the household debt growth rate to 4%, the level before Corona 19, by 2022, we plan to manage the increase level to 5-6% this year… .]



The loan threshold for low-income families is expected to increase, especially as it is regulated even for small loans.



If you receive a 20-year home mortgage loan with an annual income of 20 million won, you can get a maximum of 200 million won, which is currently subject to DSR 70%, but when DSR 40% is applied, the limit is reduced by nearly 100 million won.



[Kim Sang-Bong/Hansung University Economics Professor: If you are on the low-credit side, you will need a lot of funds. Applying personal DSR makes it very difficult to obtain loans.]



Financial authorities are also considering ways to increase the preferential benefits of the mortgage loan ratio LTV in order to help young people and end-users get their homes. There are also concerns that it may encourage people.



(Video editing: Kim Jong-tae)