<Anchor>
I need to get a loan because I need money, but getting a loan is getting more and more difficult, so I am worried about whether I should get it this year or next year.
If possible, it is better to get a loan within this year, and the reason was pointed out by reporter Jeon Yeon-nam.
<Reporter>
There are three main things to consider: whether to get a loan this year or next year.
First, interest rates may rise.
There are many stories that the Bank of Korea can raise the base rate from the beginning of next year, and furthermore, that interest rates will continue to rise for a year or two in the future.
Then the interest on this loan will go up as well.
A lot of advice is to think about how to get a fixed rate loan within the year before interest rates go up any further.
Loan regulations are also getting tighter.
Starting next month, borrowing more than 200 million won in total will be difficult.
This is because there is a limit to repay the principal and interest within 40% of the annual income.
If you fall into this category, you will have to take out a loan again.
Third, regulation of the total amount of loans is also an issue.
Authorities have already announced that they will tighten up their loans next year, the sum of all the money people can borrow from banks.
So it is expected to put strong pressure on the banks.
Many financial institutions have already reached their loan limit this year, so you need to act quickly to get a loan.
[Seo Ji-yong/Professor of Business Administration, Sangmyung University: (Next year) A new limiting factor for multiple debtors will be newly established.
Unless a flexible policy is taken, it is difficult to find conditions for (loan) to improve (I think)]
However, in the case of low to medium credit, the financial authorities said that they are reviewing various supplementary measures, so it is necessary to watch the loan timing. There is.
(Video editing: Seunghee Lee)