In response to the financial authorities’ warning of’debt investment’, banks are continuing to issue measures to reduce loan limits and raise interest rates.
According to the banknote on the 28th, K-Bank has increased the interest rates of credit loans for office workers and negative bankbook loans (based on the lowest interest rate) by 0.2 percentage points and 0.1 percentage points, respectively. Accordingly, the minimum interest rate for credit loans has been raised to 2.64% per annum and 3.00% for negative bankbook loans.
However, we kept the maximum credit limit. Currently, K-Bank’s maximum credit loan limit is 250 million won and negative bankbook loans are 150 million won. It is known that K-Bank started managing credit loans by raising interest rates prior to reducing the limit, as K-Bank had stopped handling all new loan products for more than a year until July of last year.
K-Bank plans to review the application of additional measures such as expansion of products subject to loan interest rate hikes and adjustment of limits while monitoring the loan market conditions.
From the 29th, Woori Bank will reduce the maximum limit for negative bank loan products. It is a dimension for stable household loan management, such as preventing excessive credit loans.
6 negative bank loan products such as’our main business employee loan’,’our special loan’,’excellent agreement company employee credit loan’,’our royal group loan’,’our financier club loan’,’preferential loan for newlyweds’ The maximum limit will be reduced from 100 million won to 50 million won. In addition, the maximum limit of 4 negative bankbook loan products, including’Household Retail Finance General Fund Loan’,’Our First Salary Credit Loan’,’Our New Generation Plus Loan’, and’Extra Loan (additional loan)’, is from 80 million won to 5,000. It decreases to full. However, credit loans for each case, excluding negative bankbook loans, remain the same.
As part of a plan to strengthen credit loan management, Hana Bank adjusted the reduction interest rate for each product, which is being applied to Hana OneQ credit loans (high-quality) products, which correspond to high-income, high-credit loans, and actually increased the loan interest rate by 0.1 percentage point. However, the rate of reduction and exemption for each product of Hana OneQ Credit Loan (general) and Hana OneQ Credit Loan (medium interest rate), which are mainly applied by end users and ordinary people, has not been adjusted separately.
It is reported that the Financial Supervisory Service called the vice-presidents in charge of household loans from each bank on the 26th to hold an emergency household loan inspection meeting and ordered to strengthen household loan management.
Earlier, other banks have also taken measures, such as reducing the limit to regulate the speed of credit loans. Since the 22nd, Kakao Bank has lowered the maximum limit on credit loan products for high-credit workers from 150 million won to 100 million won. Applicable products are office workers minus bankbook and office worker credit loans.
From the 15th, Shinhan Bank also set the maximum limit for each case of credit loans for office workers, such as’Eliteron I·II’ and’Convenient Office Worker Loan SⅠ·II’, from 200 million to 150 million won and 150 million won, respectively. From 50 million won to 100 million won.