<Anchor> As
household debt continues to rise, the government has recently started tightening loans. I have been contemplating whether to regulate cheonsei loans, which had not been touched, but a commercial bank decided to reduce the limit on cheonsei loans first.
Continuing on, this is reporter Hyung-woo Hyung.
<Reporter>
KB Kookmin Bank has decided to drastically reduce the loan limit from the 29th.
In particular, for the first time among banks, the limit on jeonse loans was reduced.
In the case of rental contract renewal, it was possible to borrow up to 80% of the total deposit, but now you can only borrow as much as the increase in the deposit.
For example, if the deposit for an apartment of 400 million won with a loan of 200 million won is increased to 600 million won, additional loans of up to 280 million won were previously possible, but this has been lowered to 200 million won.
[A/Jeonse tenant: It is also getting difficult to find jeonse, and the price continues to rise. Is it true that only the loan regulation goes like this?] The
exchange of loans to other banks with lower interest rates is also blocked.
: National Bank official (household debt) growth is to manage, but practically necessary funds to Let our support money (decided) in order to utilize the limited resources;
the charter been reluctant to two euros there are many ordinary end users credit lines shrink As it is an opening, there is a possibility that other banks will follow one after another.
The government is also reviewing the regulation of cheonsei loans because of the trick to buy other assets such as stocks and virtual currency with low interest rate loans, or to use them for 'gap investment'.
It is difficult to dampen the increase in household debt by leaving the cheonsei loan as it is, and there is no good way to protect end-users by regulating it.
[Kwon Dae-jung/Professor of Real Estate Department, Myongji University: Even though the price of jeonse has risen a lot, if it is regulated, ordinary people who live in jeonse will have to be pushed out of the city center.]
Additional regulatory measures by the financial authorities will be announced next month.
(Video Edit: Kim Jong-tae)
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