Loan Labyrinth: Why You’re Being Left Out in the Cold, Even with a Request
- [헤럴드경제=홍승희 기자] With commercial banks' lending opportunities narrowed, the 'lending cold wave' is expected to continue until the end of the year.
- According to the financial sector on the 27th, all five major commercial banks are controlling household loan limits through loan originators.
- Loan originator refers to a loan counselor or consulting firm that performs tasks entrusted by the bank, such as loan application consultation, application reception, and delivery.
[연합]
[헤럴드경제=홍승희 기자] With commercial banks’ lending opportunities narrowed, the ‘lending cold wave’ is expected to continue until the end of the year. This is because commercial banks have even suppressed the ‘loan originator’ channel, which helps people obtain affordable home mortgage loans by comparing loan interest rates. There are concerns that all major lending channels, starting with major commercial banks, regional banks and special banks, may be blocked.
According to the financial sector on the 27th, all five major commercial banks are controlling household loan limits through loan originators. Hana Bank began imposing new handling limits for each loan originator on the 23rd. A Hana Bank official explained, “This is a differentiated measure from the suspension of new transactions through loan originators,” and added, “Through this, we expect to maintain financial supply within a manageable range.”
Loan originator refers to a loan counselor or consulting firm that performs tasks entrusted by the bank, such as loan application consultation, application reception, and delivery. In the case of banking, each counselor and corporation is exclusive to one bank.
Since last month, KB Kookmin Bank has been accepting loan applicants within the annual growth target limit to manage household loans. Shinhan Bank and Woori Bank have completely stopped handling loans through loan originators.
In the case of Nonghyup Bank, it has been managing the reception limit for each loan collection company since last August, but it is reported that the loan handling limit for the loan collection company it is transacting with has been exhausted by December.
The reason commercial banks have begun to adjust the limit on household loans flowing in from loan originators is because the amount is so large that it cannot be ignored. An official from the financial authorities said in private, “It is an undeniable fact that the business of loan originators increases the loan balance.”
As loan originators at major banks become almost impossible to operate, it is predicted that demand will shift to second-tier financial institutions and special banks. If the loan balloon effect becomes full-fledged, there is also the possibility of a ‘loan cold wave’ in which loan demanders will have difficulty consulting with recruiters.
Not only are the channels blocked, but loan interest rates are also continuing to rise. In fact, as of the 25th, the bottom of the fixed interest rate of the four major commercial banks was over 4%. This is a figure that has increased by 0.1 percentage points in 10 days. In particular, both the upper and lower variable interest rates rose, with the upper interest rate exceeding 6.5%.
An official from a commercial bank explained, “If criticism is raised about the interest rate business after the third quarter performance, banks will not be able to raise the lending interest rate. Since the authorities have a policy of strengthening management, they will have no choice but to close the loan business.” did it This means that unless the authorities relax their household loan management policy by the end of the year, there is little chance of the banking sector increasing lending or lowering lending interest rates.
hss@heraldcorp.com
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