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I told you that it became difficult to borrow money from a bank as various regulations were introduced to reduce household loans from the end of last year.
But recently, banks are again competitively lowering their lending thresholds.
It seems to have loosened up at the end of the regime, and the intention of the banks to make more money has been added.
Correspondent Kim Jung-woo.
<Reporter> The
first place that threw precipitation was Woori Bank.
When I renewed the Jeonse deposit and raised the deposit from 250 million won to 300 million won, I only loaned out 50 million won, which went up. .
As other banks have started the loan competition by lowering the mortgage interest rate and increasing the limit of negative bank accounts, they are expected to launch aggressive loan products in a fierce battle.
As household loans, which made it easy for banks to make money, declined for three months in a row, they are loosening up their loans again.
Banks increased their profit margins by raising interest rates on loans faster than interest on deposits last year, earning close to KRW 5 trillion more than a year ago.
As the loan market shrank and at the same time the financial authorities at the end of the regime were less scrutinized, critics came out for offering all kinds of conditions to recruit customers.
[Jo Yeon-haeng / CEO of Financial Consumer Federation: When (interest rate) rises, leave the deposit interest rate as it is.
They do business that maximizes bank profits rather than increasing consumer profits.]
As President-elect Yoon Seok-yeol promised to loosen the loan regulations as a promise, there is also an analysis that banks started lowering the threshold first.
However, as interest rates are expected to rise both at home and abroad, there seems to be a limit to increasing loans.
(Video coverage: Hyung Yoon, Video editing: Jiyoung Hwang)