Here are a few rewritten options: 1. “Loan Lifeline Cut: Borrowers Face Uncertainty as Credit Tightens Next Month” 2. “The Looming ‘Loan Cliff’: Real Demanders on Edge as Credit Rules Get Stricter” 3. “Tighter Purse Strings Ahead: Next Month’s Loan Crack
[앵커]
In order to control the overheated real estate market, the ‘Stress DSR Phase 2’, which will further tighten lending, will be implemented starting next month.
This is a measure to curb the rise in housing prices, but there are also concerns about damage to actual demanders due to the lending cliff.
Reporter Choi A-young reports.
[기자]
Household loans from the five major banks surged by more than 8 trillion won in August alone.
This is because the demand for last-minute loans has surged since the second stage of the DSR stress regulation began in September.
Currently, bank loans are regulated to a total debt service ratio (DSR) of 40%.
This means that for a borrower with an annual income of 100 million won, the principal and interest to be repaid each year should not exceed 40 million won.
Stress DSR is more powerful.
This is a method of reducing the loan limit by increasing interest costs by adding a stress rate to the existing DSR regulation.
However, the stress rate is virtual, so borrowers do not have to pay more interest.
Accordingly, the limit for a housing loan in the metropolitan area that a person with an income of 50 million won can borrow at an annual interest rate of 4.5% with a 30-year term will be reduced by 28 million won for a variable rate and 17 million won for a mixed rate.
The purpose is to curb the rise in housing prices by blocking the so-called ‘young-geul-jok’ who buy houses by borrowing as much as they can.
However, as banks have recently raised their lending thresholds and strengthened DSR regulations, there are concerns about actual demanders who are on the brink of a lending cliff.
[김인만 / 부동산경제연구소 대표 : 전세대출이라든지 또 집을 살 때 내 집 마련을 하기 위해서 자금 계획을 세우고 대출을 하시는 분들이라면 지금 계약서는 작성했는데 대출이 안 나오게 되면 그 계약에 대한 책임은 또 당사자들이 다 책임을 져야 하기 때문에 결국에는 내 집 마련을 하는 분들 또 세입자들, 실수요자들이 피해를 볼 수밖에 없는 구조입니다.]
While financial authorities have announced that they will minimize damage to actual consumers, Financial Supervisory Service Governor Lee Bok-hyun plans to meet with actual consumers in person and talk to them on the 4th of next month.
This is YTN’s Choi A-young.
Video Editing: Eun-kyung Lee
Design: Jin-ho Kim
YTN Choi A-young (cay24@ytn.co.kr)
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