Banks start managing total household loans… Non-face-to-face employee loans discontinued
Before the end of the year, non-face-to-face office worker loans have been halted one after another, and banks are entering into a strong’total household loan management’. According to the financial sector on the 14th, Shinhan Bank decided not to accept non-face-to-face applications for employee credit loans, including’convenient employee credit loans’ from the 15th to the last day of this year.
Convenient credit loan for office workers is a representative non-face-to-face loan product that can be easily obtained from the Shinhan Bank application (app).
It also decided not to accept mortgage loans and officetel mortgage loans through loan recruiters until the 31st of this month. We are not accepting this year’s run anymore, but only the 2021 run.
Personal credit balances have increased this year as loan demand has soared due to the low interest rates and the lives of Corona 19 and the movement of’younger’ and’debt’. Banks have consistently eliminated preferential interest rates and lowered the limit on loans under pressure from the financial authorities to hold the rise in household loans as’autonomous regulation’. Even with these measures, as banks were expected to exceed the total volume control targets reported to the authorities, the banks even lowered the limit and introduced a method of’blocking the window’.
KB Kookmin Bank in principle blocks all household credit loans exceeding 100 million won from this day to the end of the year.
Another bank’s mortgage loan to KB Kookmin Bank’s mortgage loan will be suspended until the end of the year.
Starting on the 9th, Kookmin Bank completely banned the recruitment of mortgages and loans from loans through loan consultants.
Shinhan Bank will lower the credit limit for professional professionals such as doctors and lawyers to 200 million won from this day before deciding to stop credit loans for non-face-to-face workers.
Considering that the existing credit limit for professional staff was 250 million to 300 million won, depending on the product for each specific occupation, the maximum limit is lowered by 100 million won.
On the 11th, Woori Bank stopped selling’We WON Office Worker Loans’, the flagship product of non-face-to-face credit loans.
Reporter Kim Ji-eun
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