[한국금융신문 김경찬 기자] From the 29th, Woori Bank will collectively adjust the negative bank loan limit to 50 million won. Ten products, including negative bankbooks for professionals, will be lowered.
Woori Bank’s’Woori Stock Employee Loan’ and’Woori Special Loan’,’Private Partnership Credit Loan (PPL)’,’Woori Royal Club Loan’,’Woori Financing Club Loan’, and’Preferential Loan for Newlyweds It is lumped down to 50 million won from 100 million won.
In addition,’Our First Salary Credit Loan’,’Household Retail Finance General Fund Loan’,’Our New Generation Plus Loan’, and’Veteran Preferential Loan’ will be lowered from 80 million won to 50 million won.
From today (28th), Internet bank K-Bank raised the interest rate on credit loans for office workers by 0.2%p, and the interest rate on negative bankbook loans by 0.1%p. Accordingly, the minimum interest rate for credit loans rose from 2.62% to 2.64%, and the minimum interest rate for negative bankbook loans rose from 2.99% to 3.00%.
While the maximum limit is maintained, the maximum limit for credit loans is 250 million won, and the maximum limit for negative bankbook loans is 150 million won.
In the banking sector, the total amount of household loans is being managed at the beginning of the year, such as reducing the credit limit or stopping new handling of negative bankbooks. The financial authorities also held video conferences with the vice presidents in charge of loans from major banks and ordered them to comply with the annual household loan plan for each bank.
Earlier, Sh Suhyup Bank 22From work ‘ShThe Dream Credit Loan has stopped applying for a new negative bankbook. New loans were suspended due to exhaustion of the limit, and the resumption schedule is undecided.
In addition, Shinhan Bank and Kakao Bank have lowered the maximum limit on credit loans for office workers.
Since the 16th, Shinhan Bank has set the highest limits for products such as’Eliteron I·II’ and’Easy Loan SⅠ·II for office workers’. 5000It was lowered by 10,000 won. The maximum limit for some good credit loans has been lowered from 200 million won to 150 million won and from 150 million won to 100 million won, respectively, depending on income and creditworthiness.
On the 22nd, Kakao Bank reduced the maximum limit of credit loan products for high-credit office workers, such as minus bankbooks and credit loans for office workers, from 150 million won to 100 million won.
Recently, as a management plan for large credit loans, financial authorities are pushing for mandatory payment in installments for credit loans over a certain amount. As negative bankbooks are not eligible for amortization, demand is expected to be driven by negative bankbooks, and banks are responding preemptively.
Reporter Kim Kyung-chan [email protected]