<Anchor> As the



financial authorities decided to look more closely at their ability to pay off their debts, it is likely that the amount of loans that can be received as collateral for homes will decrease in the future. The loan threshold for the common people has become higher.



This is reporter Lim Tae-woo.



<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. 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.



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



[Lee Se-Hoon/Financial Policy Bureau Director 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… .] As even



small loans are subject to DSR regulations, the loan threshold for low-income families is expected to be particularly high.



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 difficult to obtain loans.]



Financial authorities are also considering ways to increase the preferential mortgage loan ratio LTV in order to help young people and end-users get their homes, but different policy signals have caused confusion in the real estate market. There are also concerns that it could be encouraging.