More than 70% of DSR's "at-risk lenders" are examined separately at the bank's head office

Financial consumers visit a ticket counter in Seoul in September. (Photo: Yonhap News)

[이데일리 박종오 기자] When a commercial bank deals with a loan of "risky lenders" whose repayment of capital exceeds 70% of their income, it decides to conduct a separate review of the headquarters. A large borrower who has borrowed money from a bank has become less likely to receive additional loans.

According to the banking system of April 4, Kookmin Bank approved loans exceeding 70% of its total debt repayment ratio, as approved by the bank's headquarters. DSR is the ratio of capital to interest on all loans and the lender's income. If a person with an annual income of 30 million won repays annually 21 million won in principal loan, the TAD is 70%. The financial authorities said that since 31 November, commercial banks such as Kookmin Bank and Woori Bank had managed the loan amount exceeding 70% of the DSR, or 15% of the total amount of the new loan. Local banks can only manage 30% of DSR loans, more than 70% of loans and 25% of special banks such as Nonghyup and Suhwa Bank.

As a result, Kookmin Bank will not directly approve more than 70% of DSR loans as branch managers, but the head office will review them directly. KEB Hana Bank also inspects and approves loans in excess of 70% DSR by the bank's head judge separately. If certain criteria are met, it means that people will review the individual loans once they have been automatically processed.

Woori Bank has ranked more than 90% of DSR loans in the "automatic refusal" category. Although we have made it possible to grant a loan through a special review at our headquarters, we will not be offering such loans. Financial authorities have limited loans exceeding 90% of GDP to 10% of commercial banks, 25% of local banks and 20% of special banks. In the case of Nonghyup Bank, the DSR is less than 100%, and the rating agency has decided to lend only loans to the lender whose Nonghyup credit rating itself is in the sixth year, reflecting the details of the banking transactions carried out by the NACF. Shinhan Bank also decided to decide whether or not to lend if the TAD exceeded 70% and less than 120%, and if that rate exceeded 120%, it would totally refuse the loan.

The Financial Supervision Service plans to review the current state of management of the DSR by submitting new monthly data on loans to households. Each bank has to prove to the authorities that more than 70% of the RSDs and 90% of new household loans will be processed every three months in accordance with the guidelines of the financial authorities.

At the same time, commercial banks have decided to accept the exemption of DSR regulation to guarantee good customers in case of loan, for example. It is said that if the applicant's DSR ratio exceeds 70% or if he does not show proof of income, the loan will be processed. The financial authorities will immediately consider the DSR debt from the end of October if the consumer requests a new loan, a mortgage loan, a mortgage loan or a mortgage loan, as well as principal and repayment of the loan, (January to March) as DSR debt.

However, commercial banks are looking for ways to lend as much as they can when they apply for a mortgage loan. If you can not borrow money from a bank, you can receive many complaints from customers.

According to the banking sector, the balance of loans in KB, Shinhan, Woori, KEB Han and NH Nonghyup Bank lending amounted to 101,227.7 billion won in October. That accounted for 2 billion 117.2 billion won more than a month ago and more than 100 billion won. Indeed, the "Last Minute" request & # 39; to benefit from a loan before the realization of real estate measures 9 · 13 and the regulation of loans by the implementation of DSR is fully implemented.