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[김대호의 경제읽기] Jeonse loan is loosened but getting stricter… “Only as much as the deposit price has risen”

As the financial authorities decided to exclude cheonsei loans from the total management limit, commercial banks started to resume cheonsei loans.

Although the breath of end users has been opened, there is a forecast that the threshold for household loans will be higher.

Let’s go over the related stuff.

The loan interest rates of major commercial banks are rising day by day, approaching the 5% level.

The burden on those who have borrowed or need a loan in the future is expected to increase.

Let’s take a look at the interest rate outlook for the second half of the year and what the interest burden will be.

I will be with Dr. Daeho Kim. Hello.

Before we start talking in earnest, I think we should go through it. China’s GDP in the third quarter of this year increased by 4.9% compared to the same period last year. It was lower than the market’s forecast. How did you view it? Were there variables such as Hengda Group’s liquidity crisis and power shortages?

Commercial banks have resumed cheonsei lending. However, it is said that it is possible to limit only the increase in the Jeonse price, and after paying the balance of the Jeonse, it is impossible to apply for a Jeonse loan at all.

Even if jeonse loans are resumed, the reins of mortgage loans and credit loans are expected to tighten further. In the midst of this, the financial authorities are expected to strengthen regulations on the total debt repayment ratio and DSR to manage household debt. If Jeonse Loan is reflected in DSR, what impact will it have on the market? How do you anticipate the measures to supplement household debt to be announced next week?

The lending rates of major commercial banks have also risen by 0.5 percentage points in a month and a half, approaching the 5% level. The market expected that the rate of increase in loan interest rates would accelerate in the future. What is the reason?

As the base interest rate rises and the loan interest rate rises, so-called ‘debt investment and investment’ borrowers who have invested with debt are also experiencing a sharp increase in the interest burden. How much will households’ annual interest burden increase if the base interest rate is raised by 0.25 percentage points and 0.5 percentage points, respectively?

The airline industry, which has suffered a recession in the aftermath of COVID-19, is showing expectations for a recovery in earnings as it transitions to a gradual recovery of daily life from next month, the so-called ‘with corona’ system. Following Saipan, the travel bubble system is also being implemented with Singapore. Will overseas travel demand increase in earnest at the end of the year?

Yonhap News TV Article Inquiries and Reports: KakaoTalk/Line jebo23



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