(Photo = Yonhap News/Material photo) -Major commercial banks virtually stop handling credit loans by the end of this year. This is because, as the total amount of credit loans increased rapidly due to the recent government regulation, etc., the company started managing the total amount of loans at the end of the year.
KB Kookmin Bank decided to stop new credit loans exceeding 20 million won from the 22nd to the end of the year. Since the 14th, credit loans exceeding 100 million won have been stopped, and the credit limit has been drastically reduced once again.
However, credit loans aimed at the common people suffering from Corona 19 (KB Intermediate Interest Rate Loan, KB New Hope Hall II, KB Happy Dream Loan II, etc.) will continue to be handled regardless of such measures.
Likewise, Shinhan Bank also decided not to accept new loan applications at all from the 23rd to the end of the year for most credit loans, except for some loan products for ordinary people.
Since Shinhan Bank stopped its flagship non-face-to-face credit loan product,’Convenient Office Workers’ Credit Loan’ from the 15th, virtually all of the face-to-face and non-face-to-face credit loans will be stopped.
Hana Bank also decided not to deal with the flagship non-face-to-face credit loan product’Hana OneQ Credit Loan’ from the 24th.
In addition, Hana Bank decided to reduce the benefits of preferential interest rates for some home mortgage loans and out-of-house loans to begin managing the total amount of loans for household loans.
Woori Bank also decided to stop the sale of the flagship non-face-to-face credit loan product,’We WON Office Worker Loan’ from the 11th.
Kakao Bank, an internet bank, also stopped handling new’minus bankbook credit loans’ from the 17th, and K-bank did not stop credit loans, but raised the interest rate of credit loan products by 0.2%p.
However, such measures are expected to be implemented temporarily at the end of the year. A commercial bank official said, “At the end of the year, we will stop new credit loans to manage the total amount of loans, and we expect to start handling them again from the beginning of next year.”
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