[경제]”The loan limit has been filled”…the controversy over the Agricultural Cooperatives that drove the loan spread

[앵커]

LH employees who were suspicious of speculation in advance received loans from North Siheung Nonghyup in the process of purchasing land in Gwangmyeong and Siheung.

As it is known that as many as one person has received loans up to 69% of the mortgage acceptance ratio and the LTV limit, controversy is growing over whether the loan is appropriate.

Reporter Lee Jong-soo on the report.

[기자]

Most of the land in the Gwangmyeong and Siheung New Town districts that LH employees purchased are rice paddies and fields.

About 10 LH employees who were suspected of speculation by purchasing land worth 10 billion won before designation as a new city received over 5 billion won in loans from only one North Siheung Nonghyup.

They received loans from as little as 43% to as many as 69% in accordance with the mortgage acceptance ratio and LTV limit.

The NACF’s explanation is that while general commercial banks do not provide loans for farmland security, local-level agricultural cooperatives provide loans through screening, mainly for end-users who do farming.

[북시흥농협 관계자 : 대출감정이 안 나온 걸 무리하게 해줬다던 지, 금리를 특별히 낮게 해줬다던 지 그런 게 없이 정상적으로 나간 대출이라고 말씀드리는 것이고요.]

But in the financial industry, he points out that it’s not common for one co-worker to get loans from one financial institution for the same purpose.

In addition, doubts are raised that LH employees, who are suspected of speculation, have provided farmland mortgage loans even though the possibility of farming is slim.

[북시흥농협 관계자 : 저희는 크게 문제가 없는 거거든요. 적법하게 농지를 구입한 농사를 짓는다고 자격 취득 증명을 시에서 해줘서 그것을 담보로 해서 관내에 있는 농지에 대해서 대출을 해준 것뿐이거든요.]

Since the North Siheung Nonghyup receives a certificate of employment during the loan process, it is highly likely that it has been identified as an LH employee in advance.

The National Agricultural Cooperative Federation, which oversees the local Agricultural Cooperatives, is dispatching employees of the National Federation to conduct field investigations as the controversy grows.

However, we are extremely refraining from saying that it is not just an audit as well as a check on the overall condition of the loan.

The FSS’s position is that it cannot be a problem unless it has violated LTV regulations or provided bad loans.

YTN Jongsoo Lee[[email protected]]is.

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