[앵커]
There is another place where the speculation board was raised. This is the North Siheung Nonghyup that lent 6 to 70% of the land price. We have lent over 1 billion won to not only LH employees who bought land in the Gwangmyeong-Siheung new towns, but also to beginners in their 20s. It doesn’t seem to be questioning whether they actually farm or if they have the ability to pay millions of won interest per month. The Financial Supervisory Service has entered the field inspection of the North Siheung Nonghyup.
This is Seo Young-ji.
[기자]
29-year-old A, a newcomer to the society, bought 5,500 square meters and 1,600 pyeong in the planned area of the Siheung new city three years ago.
[인근 주민 : (땅이) 놀고 있은 지 한 2~3년 됐어요. (대출은) 서류만 갖추면 되는 모양이던데요. 농사짓는다고 해서 면적의 3분의 1 정도 하면 되더라고요.]
Mr. A received a loan of 1.4 billion won, about 70% of the land price, from the North Siheung Nonghyup.
Considering the interest rate at the time, if you set the interest rate at 3%, you will have to pay an interest rate of about 3.5 million won per month.
In commercial banks, it is difficult for newcomers to obtain such large-scale loans.
It seems that they haven’t properly verified whether they actually farm.
This is why speculators who disguised themselves as’farmers’ flocked.
[인근 공인중개사 : 농사지으려는 사람은 별로 없고, 투자 보고 하는 거지. 돈 있으면 다 사는 거죠. (돈이 없어도) 대출받아서 사는 거지. 14억원이요? 그 정도면 잘하면 나오죠.]
Because of this, LH employees were able to obtain a loan of close to 6 billion won only in the North Siheung Nonghyup.
Five employees jointly bought four parcels and received a loan of 1.5 billion won.
The Financial Supervisory Service started an on-site inspection of the North Siheung Nonghyup today.
The key is to intensively lend the Siheung new city site and check whether there was any insolvency examination.
As household loan regulations become more severe, we will check whether the land mortgage loan screening has been poorly performed in order to improve business performance.
It is pointed out that not only the North Siheung Nonghyup, but also the Nonghyup branches in Chuncheon and Gangneung, Gangwon-do, where LH employees used the expedition loans.
(Intern reporter: Kim Seo-young)