[서울=뉴스핌] Reporter Yoo Myung-hwan = The number of cases of blockade of apartment loans due to the government’s loan regulations has increased.
| [서울=뉴스핌] Trend of ‘unsecured loan balance’ among the reasons for non-occupancy in apartments nationwide. [자료=주택산업연구원] Reporter Myung-Hwan Myung = 2021.11.19 ymh7536@newspim.com |
According to Real Today’s analysis of HOSI data released by the Housing Industry Research Institute (Joosanyeon) on the 19th, it was found that 34.1% of non-resident cases in October were due to non-secured loans. This is an increase of 7.4 percentage points (p) from the previous month (26.7%). This means that 3 out of 10 non-residents could not move into a new apartment because they did not get a loan.
The percentage of respondents who said they could not secure a balance loan was gradually increasing to ▲18.8% in December 2019 ▲24.3% in June 2020 ▲24.2% in December 2020 ▲28.8% in June 2021.
This trend is highly likely to continue next year. According to the ‘Measures to Strengthen Household Debt Management’ announced by the Financial Services Commission recently, from January next year, the balance of loans will be included in the calculation of the ‘Total Debt Repayment Ratio (DSR)’ for each individual. In addition, if the balance loan is included in the total household loan management target, the balance loan itself may become difficult in some cases.
A Real Today official said, “The proportion of people who even pay late fees due to delayed move-in is expected to increase.
ymh7536@newspim.com
