Enforcement of regulations on all bank leasehold loans▶ Click here for a larger view
In the future, financial consumers will be able to receive a Jeonse loan from all commercial banks up to the maximum increase in the Jeonse price and only before the balance payment date.
It will also be difficult for first-homeowners to obtain non-face-to-face jeonse loans from banks other than K-Bank through apps.
◇ All 17 retail banks to introduce regulations within this month
According to multiple banks on the 27th, all 17 banks dealing with retail banking decided to reduce the limit of the loan for jeonse funds following the renewal of the lease (jeonse) contract to ‘within the range of the increase in the rental deposit (jeonset value)’.
In addition, these banks plan to provide loans for Jeonse funds only before the payment date of the remaining balance in the lease agreement. Currently, in the case of new leases (Jeonse), banks have received applications for loans for Jeonse funds within three months from the earlier of the move-in date and the date of resident registration. However, if the loan is issued only before the balance payment date, the loan application period is greatly reduced.
Banks are also blocking non-face-to-face Jeonse loan applications by single-homeowners. Therefore, in the future, a single homeowner can apply for a jeonse loan only at the bank window.
These three types of jeonse loan regulations were agreed to be introduced on the 27th by the five major banks, KB, Shinhan, Hana, Woori, and NH Nonghyup, on the 15th.
On the 18th, all 17 banks handling retail finance, including regional banks, internet banks, and foreign banks, discussed whether to accept the regulation through an online video conference, and each bank has been internally reviewing feasibility.
In the end, all other banks agreed to participate in the same regulations on jeonse loans as the top 5 banks, and decided to introduce the regulation within this month at the latest.
However, in the case of K-Bank’s non-face-to-face jeonse loans for single homeowners, the authorities and the industry are not unreasonably blocking them. At a meeting on the 18th, it is known that K-Bank, as an Internet bank without a face-to-face window, complained of difficulties due to the ban on non-face-to-face jeonse loans to single-family homeowners.
A K-Bank official said, “We will thoroughly review through various supporting documents at the same level as receiving a jeonse loan at a face-to-face window.”
However, even with the same internet bank, Kakao Bank[323410]In this case, it has decided to suspend non-face-to-face Jeonse loans for single-family homeowners. In the case of Toss Bank, it does not yet handle jeonse loan products.
◇ Blocking possible ‘holes’ that can be used for loans, investment, etc.
As such, commercial banks tightening the loan for Jeonse funds more strongly except for obvious ‘actual demand’ is a measure to prevent the flow of Jeonse funds into investment in assets such as real estate and stocks as much as possible.
For example, if the rental deposit (jeonset value) increases by 200 million won from the initial 400 million won to 600 million won, tenants who do not have an existing Jeonse loan loan can borrow up to 480 million won, 80% of the rental deposit (600 million won). could receive
If you get a loan as much as possible, you will have 280 million won left even after paying the increased Jeonse price of 200 million won, leaving room for the extra money to be used for investment.
However, if the loan limit is bundled up to ‘up to the increase in the Jeonse price’, the tenant can borrow only 200 million won, which has gone up.
It is the same reason that it is blocking the global contract or the loan of the Jeonse funds received after the move-in is over.
The purpose is to fundamentally block the possibility of using the Jeonse funds in another place by getting another loan from a bank within three months after moving in or moving in according to resident registration even after resolving the Jeonse price with money borrowed from one’s own money or family or relatives.
In the case of a loan for single-homeowners who are not homeless, there is also real demand for it, so banks plan to receive applications only in face-to-face windows and closely examine them, even if they do not completely block them. Those who currently own a house with a market value of less than 900 million won in unregulated areas and areas subject to adjustment can also receive a loan for Jeonse funds.
An official from a commercial bank said, “If the total loan for Jeonse funds is excessively blocked, damage to end users is expected. As it is a loan, even if it is excluded from the total amount management, unnecessary loans for Jeonse funds need to be suppressed from the bank’s point of view,” he explained.
[연합뉴스]
Copyrights ⓒ Yonhap News. Unauthorized reproduction and redistribution prohibited
