Ahead of the end of the year, large banks in the market are tightening household loans with an unprecedented intensity in order to manage the total amount of household loans.
KB Kookmin Bank announced that it will in principle block all household credit loans exceeding 100 million won from tomorrow (14th) to the end of the year.
It means that if a new application or an increase in the requested credit exceeds 100 million won in addition to the existing credit, the loan will not be approved.
Group credit loans and negative bankbooks are also included.
In addition, KB Kookmin Bank has also decided to stop the so-called’other bank mortgage loans’ until the end of the year, which converts other banks’ mortgage loans to KB Kookmin Bank mortgage loans for reasons such as interest rates.
An official from KB Kookmin Bank explained the reason, “It is to preemptively manage the total amount of household loans.”
From tomorrow, Shinhan Bank will lower the credit limit for professionals such as doctors and lawyers to 200 million won.
The maximum limit is reduced by 100 million won from 300 million won to 200 million won.
In addition to this, Shinhan Bank is internally reviewing the policy to restrict credit loans to non-professional employees.
Hana Bank is also considering lowering the limit for professional loans sooner or later.
It is known that the authorities concerned about the inflow of loan funds to the real estate market have ordered autonomous banks to manage the total amount of loans.
Household loans, which increased sharply in November due to the successive lending regulations, were gradually increasing to some extent. It is about KRW 133.5 trillion, which is about KRW 100 billion, down 0.1% from the end of last month.
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