[경제]Commercial banks curb cheonsei loans… cut preferential interest rates

[앵커]

With the amount of money lent by banks to households exceeding KRW 1,000 trillion, commercial banks began to curb mortgage loans following mortgage loans at the request of the government.

We are continuously lowering the preferential interest rate for chartered loans.

Reporter Park Byung-han reports.

[기자]

The balance of out-of-generation loans of the five major commercial banks reached 106.9 trillion won at the end of January and 107.8 trillion won at the end of February, and is showing an increasing trend to 101.9 trillion won on the 19th of this month.

The huge increase in charter loans was largely influenced by the 3 Lease Act, which was implemented in the second half of last year.

The 3rd Lease Act included the right to apply for contract renewal and the upper limit for rent to cheonsei. As the jeonse contract was re-extended, there was a shortage of jeonse sales, leading to an increase in the jeonse price.

[김미주 / 마들공인 : 임대차 3법이 시행되기 전부터 집주인들이 매매가가 상승하고 그에 맞춰 전세금액도 올리려는 경향이 있어서 꾸준히 상승은 예전부터 지속돼 왔고 임대차 3법이 시행되면서 급등하는 현상이 있었습니다.]

When the bank’s loans to households exceeded KRW 1,000 trillion, the Financial Supervisory Service recently requested the bank to take care of household loan management, and accordingly, the interest rate of loans to cheonsei loans is rising following credit and mortgage loans.

It is lowering the preferential interest rate that was applied to cheonsei loans.

After Shinhan Bank cut the preferential interest rate for loans to loans guaranteed by the Housing Finance Corporation and others by 0.2% point from the 5th, Woori Bank also decided to lower the preferential interest rate for loans to loans from 0.4% to 0.2% starting on the 25th. .

The preferential interest rate cut means that if the customer satisfies the conditions set by the bank, it was previously discounted up to 0.4%, but in the future, only up to 0.2%.

As a result, it is expected that the difficulties of the common people who have to obtain a jeonse loan will increase.

This is YTN Park Byung-han.

[저작권자(c) YTN & YTN plus 무단전재 및 재배포 금지]