[경제]Home mortgage loans increased by 3 trillion won for two consecutive months… “Expanding DSR to stabilize household debt”

[앵커]

As mortgage interest rates continue to rise, major commercial banks’ mortgage loans have increased by more than 3 trillion won for two consecutive months, raising concerns.

The financial authorities plan to come up with measures to reduce household debt by expanding regulations on the total debt principal repayment ratio and DSR in mid-month.

Reporter Lee Jong-soo on the report.

[기자]

It was found that the housing-related loans of the five major commercial banks, including KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup, continued to increase.

The balance of mortgage loans including cheonsei loans from the five major commercial banks was KRW 483 trillion 1682 billion as of the end of last month.

At the end of last February, it increased by KRW 3,424 billion from KRW 48.82 trillion.

After 3,757.9 billion won in February, it increased by more than 3 trillion won for two consecutive months.

The increase from August to November last year, which amounted to 4 trillion won per month, seemed to decrease to 3 trillion won in December and 2 trillion won in January this year, but it increased to 3 trillion won again.

In particular, if you look at the cheonsei loans, which have rapidly increased in demand due to the recent increase in jeonse prices, the balance at the end of March (110 trillion 8381 billion won) increased by 2,714 billion won from the end of February (108.76 trillion won). The growth rate for the second consecutive month reached 2 trillion won.

This increase in housing-related loans has raised concerns, coupled with the recent rise in interest rates.

In February, the deposit bank’s mortgage interest rate rose from 2.63% per annum to 2.66% per annum by 0.03 percentage points, and has continued to rise for six consecutive months since August of last year.

[성태윤 / 연세대 경제학부 교수 : (부동산.주식 시장)가격 하락이 이뤄지고 있는 가운데 금리가 올라가게 되면 가계대출 부담이 크게 증가하게 되면서 매우 위험한 요인이 될 수 있기 때문에 이에 대한 사전관리가 더욱 중요해지고 있는 상황입니다.]

As of the end of March, the total household loan balance of the five major commercial banks was KRW 681 trillion 6357 billion, an increase of KRW 3.46 trillion from the end of February.

Finance Commissioner Eun Seong-soo said he will come up with a plan to stabilize household loans by mid-month.

He emphasized, “We are trying to stabilize the total volume in two stages, but we will expand and reduce the regulation on the Total Debt Principal Repayment Ratio (DSR).”

The Financial Services Commission is preparing a household debt management plan with the main content of’applied in steps of 40% of the total debt repayment ratio by borrower’.

YTN Jongsoo Lee[[email protected]]is.

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