[늘어나는 ‘불황형 대출’]
Loan growth continues for three consecutive months since April
Demand surges as Seoul apartment transactions recover
Despite the government’s efforts to stabilize household loans, household loans from major commercial banks continue to increase. In particular, housing mortgage loans (housing loans) are increasing significantly as apartment prices soar, especially in major areas of Seoul.
According to the Bank of Korea on the 13th, the balance of household loans (including policy loans) at deposit banks at the end of last month was 1,120.8 trillion won, an increase of 5.5 trillion won from the previous month. It has been increasing for three consecutive months since it rebounded in April of this year.
The problem is that the increase in household loans has not slowed down even this month. As of the 8th, the household loan balance of the five major banks, including KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup, was 718.213 trillion won, an increase of 2.4747 trillion won from the end of the previous month. If this increase continues until the end of the month, it is highly likely to exceed the increase of last month (7.6 trillion won). Last month’s increase was the largest since 2014, when major commercial banks began compiling monthly loan balances. Although banks are raising lending rates one after another to prevent a surge in household debt, the loan size continues to increase.
The surge in household loans from banks is interpreted as a result of the demand for home ownership amid the revival of apartment transactions in central Seoul. Ham Young-jin, head of the real estate research lab at Woori Bank, said, “The income criteria for newborn special loans have been relaxed, and there is also the possibility of interest rate cuts in Korea and the U.S.,” and predicted, “In this situation where there is a certain level of demand for real estate purchases, the trend of increased housing loans will continue.”
Meanwhile, Financial Supervisory Service Governor Lee Bok-hyun said at an executive meeting on the 13th that supervisory capabilities should be focused on household loan management to stabilize the housing market, and urged banks to “conduct on-site inspections of household loan handling processes and take strict measures against illegal loans.”
Reporter Kang Woo-seok [email protected]
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2024-08-14 03:01:17