“Only for a jeonse loan… ” until the national petition
The limit on the market loan balance is exhausted
Possibility to stop lending even Toss
With the prevailing prospect that the financial authorities will regulate additional jeonse loans, on the 10th, at a real estate agency in Songpa-gu, Seoul, a leaflet for jeonse for sale priced at 1 billion won was posted. Reporter Ha Sang-yoon
“Last week, I was contracted around the world and waiting for the approval of the Jeonse loan to be approved, and it’s so frustrating.”
A in her 50s is preparing to move from Mapo-gu, Seoul to Gimpo-si, Gyeonggi-do, to see her daughter who gave birth earlier this year. As the price of jeonse soared last year and this year, 200 million won more is needed even with the deposit for the house where I currently live, so I applied for a loan for the jeonse funds with a commercial bank. Person A said, “I finished the contract by believing the bank manager who said that there would be no problem in getting a loan, but suddenly the news that the jeonse loan might be blocked came out and I couldn’t sleep with anxiety.”
According to the real estate industry on the 10th, the government is reviewing measures to include the regulation of jeonse loans in the measures to supplement household debt to be announced in the middle of this month. NH Nonghyup Bank has already suspended all household mortgage loans, including jeonse loans, in line with the financial authorities’ policy to tighten loans. Recently, KB Kookmin Bank has restricted the loan limit for Jeonse funds within the range of increase in deposit, and it is known that Hana Bank is also planning to implement the same measures from the 15th. For example, if the deposit for Jeonse is 400 million won and the deposit is 200 million won, and the deposit is moved to 600 million won, then you can borrow up to 480 million won, which is 80% of the deposit. It is said that the loan will only be loaned up to 400 million won, including the 200 million won increase in the deposit.
Public opinion criticizing the policy to strengthen regulations on jeonse loans is boiling in the Blue House public petition bulletin board and the real estate community. One petitioner identified herself as a woman in her 30s living in the Gyeonggi area and posted an article on the bulletin board of the Blue House petition under the title, ‘Please think about the regulation on jeonse loans.’ He said, “I have lost my down payment just because the regulatory period and the contract renewal period overlap.
As more and more tenants are rushing to make contracts around the world on the news of tightening loan regulations, the trend of rising Jeonse prices, which had been weakened during the Chuseok holiday, is also getting stronger again. According to a survey by the Korea Real Estate Agency, Jeonse prices in the metropolitan area rose 0.24% last week, a larger increase than the previous week (0.21%).
Bank loans are expected to become more difficult at the end of this year. According to the banking industry on this day, the loan limit of major domestic banks this year is almost exhausted. The financial authorities are intensively managing the loan growth rate of commercial banks this year at a maximum of 6% compared to the end of last year. As of the 7th, the loan growth rate was △KB Kookmin 5.06% △Shinhan 3.16% △Hana 5.23% △Woori 4.24% △NH Nonghyup 7.14%, with an average of 4.97%. The same is true for internet banks, so Kakao Bank has already stopped lending to high-credit users and loans for rent deposits, and it is reported that Toss Bank, which was just launched, is highly likely to stop lending early.
[ⓒ 세계일보 & Segye.com, 무단전재 및 재배포 금지]
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