Not available for KB citizens exceeding 20 million won
Suspension of non-face-to-face applications
The tightening of household loans in banknotes made it difficult to receive year-end credit loans.
According to the financial sector on the 22nd, Shinhan Bank decided not to accept new applications for most household loan credit products, excluding ordinary financial products, at its branches from the 23rd to the end of the year. New loans are expected to resume after January 4th next year.
Shinhan Bank has not been accepting applications for non-face-to-face credit loans from office workers through’Convenient Office Worker Credit Loans’ since the 15th.
KB Kookmin Bank decided to block all new household credit loans exceeding 20 million won in principle from this day to the end of the year. It means that if the credit loan for a new application or an increase application (including collective credit loans and negative bankbooks) exceeds 20 million won, the loan will not be approved.
Starting on the 14th, the company has in principle stopped all household credit loans exceeding 100 million won by adding new and additional applications and existing cases, followed by stronger loan regulations.
However, if the desired loan date is after January 4 of next year or the first sending date of loan documents is before the 21st of the past, credit loans supported by ordinary people’s finances (KB Site Middle Interest Rate Loan, KB New Hope Scepter II, KB Happy Dream Loan II, etc.) are approved. This is possible.
An official from KB Kookmin Bank explained the purpose of “measures to prevent the rapid increase in household loans at the end of the year and the resulting risk (risk) expansion”.
From that day on, Hana Bank also decided to lower the preferential interest rate for some mortgages and loans by 0.3 percentage points, such as mixed mortgage loans and new housing loans. As the homework for managing the total amount of loans is falling ahead of the year-end, banknotes are tightening household loans, especially credit loans, recently.
Kakao Bank, an internet bank, stopped selling new’minus bankbook credit loans’ for high-credit workers on the 17th, and Woori Bank also stopped selling’We WON Employee Loans’, the flagship product of non-face-to-face credit loans, from the 11th.
The pace of credit loan growth slowed this month due to the strong influence of the banking sector’s loan management.
The balance of personal credit loans of the five major commercial banks (KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup) was 133,823.4 billion won as of the 22nd, up 130.9 billion won from the end of last month. Compared with the increase of 9.4 trillion won in November, it is almost the same.
Reporter Nam Jung-hoon [email protected]
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