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From July 1, three days later, it becomes more difficult to borrow money from a bank.
This is because some of the loan regulations are different, and there are many things that the self-employed in particular should pay attention to.
How it will change will be explained in detail by reporter Jeon Yeon-nam.
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The reason that loans are getting more complicated is because the DSR regulation is getting stronger.
To explain, it applies to people who now have more than 100 million in debt, including bank-secured loans and credit loans.
If the monthly principal and interest is more than 40% of one year's income, further loans are blocked.
Those most affected are expected to be the self-employed.
As of the end of last year, three-quarters of the self-employed already borrowed an average of 150 million won, so it is difficult for most of them to get additional loans from next month.
Assuming that a self-employed person with an annual income of 35 million won receives a loan of 30 million won on a home equity loan of 120 million won, the bank is now blocking the loan because the DSR has already exceeded 40%.
There is a system that deducts up to 100 million won from this DSR regulation if it is recognized that it is urgently needed for a livelihood, but it is an exception. I need it.
Conversely, for young people who are buying a house for the first time, the loan is rather generous.
We are planning to lend out up to 80% of the house price, and also lend more money to the DSR you just saw, generously including the money you will earn in the future.
If you buy an apartment for 500 million won, you can now borrow up to 400 million won, which is 60% of what you borrowed from 300 million won.
However, interest rates are rising and house prices are stabilizing, so it is advisable to judge carefully considering the burden of repayment of principal and interest.
(CG: assistant)