New Stress DSR System to Impact Loan Limits Beginning Next Year
[비즈니스포스트] Starting next year, the ‘Stress DSR (Total Debt Service Ratio)’ system will be applied sequentially to all financial sector loan products. This will reduce the loan limit that borrowers can receive from financial institutions. The Financial Services Commission announced on the 27th that the ‘Stress DSR’ system will be implemented for variable, mixed and […]
Win Hee-ryong “The purpose of returning the jeonse deposit is to ease the DSR, not to prevent the jeonse price from falling by releasing money”
[비즈니스포스트] Minister of Land, Infrastructure and Transport Won Hee-ryong explained that the reduction in the total debt repayment ratio (DSR) of loans for the purpose of returning deposits for jeonse was to prevent damage to tenants. “I agree with the point that deregulation of DSR can be dangerous,” said Minister Won in a question from […]
‘Improving real estate indicators and easing eviction loans’… Eliminate inverse tax risk
[뉴스토마토 조용훈 기자] Expectations are growing that the reverse trend risk will be partially resolved in the second half of this year. This is because the figures relating to the real estate market are gradually improving, and the government also intends to give landlords a boost through some deregulation. However, the increase in household loans, […]
[깔짝브리핑] The can charter case is causing the jeonse market to crash
Excessive charter loans were identified as the biggest cause of charter fraud. Why is a charter loan easier than other loans? This is because Jeonse loans are not included in DSR (Total Debt Principal Interest Service Ratio). DSR is an indicator of whether a borrower has sufficient ability to repay debt. In Korea, the ratio […]
DSR of mortgage borrowers increases significantly at rising interest rates … spend 60% of their annual income
zoom in picture On the 15th, a loan ad was posted in a bank in Seoul. random news As loan interest rates rose, the total principal and interest repayment ratio (DSR, annual principal and interest repayment to annual income) of borrowers (borrowers) who had taken out mortgage loans in the past more than 60% on […]
[하반기 달라지는 것들] LTV relief for the first time in life… Expansion of future income reflection when calculating DSR
A view of a bank window in downtown Seoul. [사진=연합뉴스] From the third quarter of this year, the mortgage loan ratio (LTV) will be eased for first-time home buyers. In addition, another major loan regulation, DSR (Total Debt Principal, Interest Repayment) regulation, is expected to come and go. This is because, while the originally planned […]
The first house LTV raised to 80%… Irrespective of region, housing price, or income
[사진제공=뉴시스] [Today Newspaper Reporter Park Joo-hwan]The government has decided to ease the upper limit of the mortgage loan ratio (LTV) to 80% for the first time in life. The Financial Services Commission announced on the 16th that the new government’s ‘direction for household loan management and a step-by-step regulation normalization plan’ will be eased to […]
Burning bank loan business… Increase expiry date and ease DSR
Source = Yonhap News As the balance of bank loans to households has declined for four consecutive months, banks are taking out ‘extension of maturity’ cards one after another. Following the launch of a 40-year home mortgage loan product, it appears to be lowering the loan threshold by extending the loan period, such as introducing […]
Transition Committee “Nothing has been confirmed as either easing or maintenance of DSR”
Transition Committee “Nothing has been confirmed as either easing or maintenance of DSR” Enter 2022-04-04 16:11 | Edit 2022-04-04 16:18 I have bookmarked that article. Facebook Twitter Kakao Story KakaoTalk band Copy link Copy text close the layer
[백브리핑AI] Promises to ease loan restrictions
[인포스탁데일리=김현욱AI 앵커] After the inauguration of the new government, President-elect Yoon Seok-yeol is paying attention to his promise to ease loan restrictions. President-elect Yoon Seok-yeol is planning to increase the LTV limit, which is the ratio of mortgage loans, up to 80%. In addition, there is a growing possibility that the DSR regulation, which is […]
