[단독]Only 4 trillion won of loans to the 3rd new town that were speculed, and the NACF

It was found that the scale of real estate mortgage loans in the second financial sector, including the Nonghyup Mutual Finance, Suhyup Federation, and Saemaul Geumgo, for the third new city area where speculative suspicion is arising, amounted to 3,2881 billion won since the inauguration of the current government.

Power of the People According to the data submitted by the relevant agency on the 14th by Representatives Ahn Byung-gil and Choi Chun-sik, since June 2017, the Nonghyup Mutual Finance (regional union) has invested 3,371 billion won (11,108 cases) to ·Shopping·Residential) Loan with collateral. The National Federation of Fisheries Association loans amounted to KRW 56.6 billion (128 cases), and Saemaul Geumgo KRW 1944 billion (338 cases).

This data includes loans to all regions of the 3rd new town (Namyangju Wangsuk, Incheon Gyeyang, Hanam Gyosan, Goyang Changneung, Siheung, Gwangmyeong), and Gwacheon and Ansan Jangsang Districts, which the government decided to investigate additional speculation suspicions, excluding Daejang District in Bucheon. This was included. The 3rd new town officially appeared in the 9/21 measures announced on September 21, 2018, as the most important framework for the Moon Jae-in government’s housing supply policy in the metropolitan area.

In addition, when the first two financial institutions, including Nonghyup Bank 1,128.8 billion won (5183 cases) and Suhyup Bank 1451 billion won (566 cases), total loans after the inauguration of the current government in the 3rd new city area of ​​5 financial institutions, a total of 4,562 billion won. .

The largest number of loans from the five institutions was in the Wangsuk district of Namyangju, where 1,4104 billion won was released for all 5618 loans. It is 30.9% of the total loan amount. Subsequently, 4572 loans were executed in the Changneung District of Goyang, which amounted to 1.323 trillion won, which is 29% of the total loan amount. More than half of the total loan amount (59.9%) was concentrated only in Wangsuk in Namyangju and Changneung in Goyang.

The amount of loans in Siheung District, where the Korea Land and Housing Corporation (LH) employees were suspicious of speculation, was 4.3% (746 cases, 2313 billion KRW) of the total, and 13.3% (2297 cases, 5746 billion KRW) in Gwangmyeong district. In particular, the ratio of loans from residents outside the city (other cities and counties) suspected of being speculative was relatively higher in Siheung and Gwangmyeong districts than elsewhere.

Out-of-town residents accounted for 34.7% (6008) of total loans, while Siheung District had 432 (57.9%) loans, more than half of the total 746 loans, and Gwangmyeong District had 1009 (43.9%) of the total 2297 loans. It was a loan.

Financial experts believe that land speculators often use mutual finance (secondary financial sector) as revealed in this LH case.

“Land speculators, more loans to second financial sectors that are less regulated than banks”

The scale of lending in the 3rd new city area. Graphic = Kim Hyun-seo [email protected]

Commercial banks (first financial sector) do not deal with land-secured loans because the land is far from the branch and the expertise in appraisal is low. On the other hand, in mutual finance, branches are scattered across the country, and the experience of land mortgage loans is abundant. Mutual financing is also less strict than commercial banks.

According to the data from the Financial Supervisory Service released by Congressman Yoon Chang-hyun, the balance of non-residential real estate mortgage loans at the end of last year, such as Nonghyup, Suhyup, and Credit Union, increased by 30 trillion won in one year. Experts estimate that the majority of these loans will be land-secured loans.

In the opposition, it is pointed out that investigative agencies must follow the flow of real estate purchase funds based on the loan history of financial institutions in order to resolve the suspicion of speculation in the third new city. Rep. Ahn Byung-gil said, “It is difficult to properly identify speculation suspicions by collating real estate buyers, LH, and public officials, as in the current government investigation,” and argued, “We must seek out speculation through full analysis of financial institutions’ loans.”

He also raised the government accountability theory. Rep. Ahn said, “While the current government locked loans to beneficial homeowners, speculative forces were all removed by purchasing land, where loans were relatively easy.” “The poor government’s lending regulation tempts speculation in the 3rd new town. Didn’t you instigate it?” he said.

The government is also planning to look into the flow of loans from financial institutions to the 3rd new city area. Deputy Prime Minister Hong Nam-ki and Minister of Strategy and Finance said at a meeting of ministers related to the real estate market inspection on the 12th, “This LH speculation was possible because large-scale loans were concentrated and collectively carried out at a specific branch in the banking sector.” It is necessary to check whether there is any illegal injustice or negligence in the lending process, and whether there are any blind spots or complementary points.”

Reporter Kijeong Kim [email protected]