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Some financial institutions are providing loans on a first-come, first-served basis as it is becoming increasingly difficult to borrow money from banks. That's why people stand in line from dawn to get a loan. In response, the government took a step back, saying that it would exclude the total amount of jeonse loans.



By Kim Jung-woo, staff reporter.



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Around Daejeon Han Credit Union.



From early morning, there was a line of nearly 100 meters around the building.



On the first day of applying for a group loan, prospective tenants from nearby apartments flocked to worry that they might not be able to receive their order if they are late.



[Prospective occupants: I was told that I could wait in line from 9 pm and get waiting number 1 at 8:30 in the morning. At around 8 o'clock, the waiting number is 200.] About



350 people lined up, but about 80 people couldn't even register.



[Credit union staff: 270 people? From today, we have completed the application for 5 days.]



Recently, the household loan balance of the 5 largest commercial banks is 704.47 trillion won, which is about 12.5 trillion won left before the upper limit of the government target.



As banks nearing the limit are raising their loan thresholds, the 'balloon effect' appears, in which end-users flock to secondary financial institutions.



Even Internet bank Toss Bank exhausted its household loan limit of KRW 500 billion and declared a cessation of new loans within nine days of its launch, making end-users more urgent.



When the president repeatedly ordered end-user protection, clamoring that the road was blocked even to prepare the deposit for cheonsei or the balance of moving in, the financial authorities took a step back, saying that they would remove the cheonsei loan from the total amount of management.



[Seung-Beom Koh / Chairman of the Financial Services Commission: We are willing to tolerate even if it increases to more than 6% (the government target) due to the increase in jeonse loans.

I plan to manage it that way so that there is no interruption in the case of group loans.]




After the financial authorities announced, NH Nonghyup, Shinhan, and Woori Bank announced that they would resume new loans for Jeonse funds next week.



If jeonse loans are removed from the total amount regulation, banks' loan capacity is expected to increase by 7-8 trillion won.



(Video coverage: Kim Hak-mo, Kang Yun-gu, Kim Min-cheol, video editing: Jeon Min-gyu)