Household loans increased by 2.1235 trillion won and housing loans increased by 2.1772 trillion won as of the 12th
Financial authorities: “Policy effects are evident, with an increase of half compared to August”
Household loans from the five major commercial banks increased by 2.1 trillion won this month. Housing mortgage loans increased by nearly 2.2 trillion won, leading the increase in household loans, but the pace of increase that had been rapid in the previous month is gradually slowing down.
According to the financial sector on the 15th, the household loan balance of the five major commercial banks, including KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup, was tallied at 727.4877 trillion won as of the 12th. This is an increase of 2.1235 trillion won from 725.3642 trillion won at the end of last month.
Previously, the monthly increase in household loans from these five major banks expanded to KRW 4.4346 trillion in April, KRW 5.2278 trillion in May, KRW 5.3415 trillion in June, KRW 7.166 trillion in July, and KRW 9.6259 trillion in August.
The balance of housing loan was 570.8388 trillion won as of the 12th of this month. This is an increase of 2.1772 trillion won from 568.6616 trillion won at the end of last month.
The monthly increase in the main loan guarantee of the five major banks was KRW 4.3433 trillion in April, KRW 5.3157 trillion in May, KRW 5.8467 trillion in June, KRW 7.5975 trillion in July, and KRW 8.9115 trillion in August.
The credit loan balance was recorded at 103.5605 trillion won as of the 12th of this month. This is an increase of 104.3 billion won from 103.4562 trillion won at the end of last month.
Credit loans showed a downward trend for two consecutive months from June to July, but then turned around last month with an increase of 849.4 billion won. This month, it increased by 475.9 billion won as of the 5th, and then decreased.
The balance of jeonse loans was 118.9357 trillion won as of the 12th of this month. It increased by 99.4 billion won from 118.8363 trillion won at the end of last month. Jeonse loans have been on the rise since May.
Regarding the financial authorities and banking sector’s measures to strengthen household lending, Financial Services Commission Chairman Kim Byung-hwan emphasized that the policy is showing effects, as the increase in household lending was only half that of the previous month at the beginning of this month.
Chairman Kim held his first monthly press conference at the government complex in Seoul on the 12th and explained, “Starting in September, the second stage of the stressed total debt service ratio (DSR) regulation was implemented, and banks are individually taking voluntary household loan speed control measures.” He continued, “When comparing just the banks, the increase over five business days is roughly half that of August.”
He continued, “It’s a fairly cautious number because it’s only five business days, but we are clearly seeing the effects (of the household loan strengthening measures) in September.” He added, “We will continue to monitor how the situation changes, but if this slight slowdown continues, we think we can decide on additional measures after observing the situation further.”
[서울=뉴시스]
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2024-09-16 10:28:33