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Starting next month, if you get married or have a baby, you can get a credit loan of up to 100 million won. As dissatisfaction grew as the financial authorities tightened loans recently, we decided to make an exception for some urgent cases.



More details will be provided by reporter Im Tae-woo.



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Currently, commercial banks are only lending credit within their annual income in accordance with the government policy.



However, from January next year, we have decided to increase this loan limit if it is recognized as an urgent use.



There are four major cases of special recognition: marriage, childbirth, funeral, and surgery, and 50% of annual income, up to a maximum of 100 million won, will be loaned additionally.



For example, a person with an annual income of 60 million won can get a credit loan of up to 60 million won, but if they get married, they can borrow 30 million won more, 50% of their annual income.



However, no matter how high your annual income, you can only get a loan up to the upper limit of 100 million won.



When applying for a loan, documents such as marriage certificate and pregnancy confirmation must be presented. Marriage, childbirth and surgery are only accepted within 3 months of the date of application and death within 6 months.



[Bank Federation official: (next year) from January onwards, we are now promoting it by doing it first. I think we can come up with some details and publish it at the earliest this week.] The



loan term is decided by the bank at its own discretion.



With this loan, it is difficult to use it to buy a house, so we plan to lend only in amortization method where the principal and interest are paid together.



(Video editing: Jinhwa Choi)