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Lending of the female soldier was also a problem.DSR trial

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yawyawww15

Following the bank, the financial authorities are trying to stifle loans from the secondary financial sector. Starting from the 31st, savings banks, credit card companies and other women companies will introduce DSR (Debt Service Ratio) in the first half of next year, which will evaluate the ability of individuals to repay their debts. Like banks, savings banks and women companies, interest-exchange ratio (RTI) is applied to loans made by individual businesses that exceed 100 million won, and loan ratio (LTI) is applied to loans made by individuals.
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"We will tighten regulations on the total amount of loans to manage household debts that are close to 1,500 trillion won," said the Financial Services Commission Chairman Choi Jong-koo at a press conference on Tuesday.

The Financial Services Commission (FSC) announced on the 22nd that it plans to introduce and enforce guidelines for advancing household loan review to savings banks and women companies on the 31st and use DSR as a management indicator during the first half of next year. During the pilot operation period, savings banks and women companies will apply the high DSR standard, which is a risky loan, voluntarily and set the high DSR standard for financial authorities in the first half of next year. The DSR is an indicator of whether the borrower can repay all the debt interest and principal amount, divided by annual income.

The DSR calculation target applies to all types of household loans, but loans for the stabilization of the working class are allowed with exceptions. Exceptional loans include Sun Salon, Saemang Hall, Small Credit Loans (less than 30 million won), Jeonse Loans, Local Government Support Agreements, Low Rate Loans, and Freight Loans. Although DSRs are not required for new loans, such loans are included in liabilities when calculating DSRs for other loan transactions.

"We are planning to encourage savings banks and women companies to use them in their pre-credit screening process in the first half of next year without presenting a uniform regulatory ratio until they accumulate enough data for next year." said a representative for the committee.

In addition, a guideline on credit screening of private business loans will be introduced for savings banks and female warriors on the 31st. Through this measure, it will lay the foundation for systematic risk management of individual business loans, including the introduction of the interest rate (RTI) for real estate leases and the ratio of loans to income.

In principle, a new real estate rental loan is handled (reviable according to the trial period) only in cases where the RTI is 1.25 times more housing and 1.5 times more non-housing. To handle loans of new individual businesses worth more than 100 million won, an LTI shall be calculated and used as a reference index for credit screening.

In particular, the Financial Services Commission has decided to prepare an "exclusive useful inspection standard" by the end of this month so that individual business owners' loans are not used as a means to avoid household loans. It is required to inspect individual business loans of more than 100 million won per loan or 500 million won per share, and to check the total number of loans provided as collateral in the acquisition of housing.


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