[미디어SR 김병주 기자] As financial authorities began to regulate loans, in November, the scale of household loans at banks recorded the largest increase in history, centered on credit loans.
This seems to reflect the movement to get on the last train of the so-called’young-kull’ (loan with souls) before the start of the loan regulation.
According to the’Financial Market Trends in November’ released by the Bank of Korea on the 9th, the balance of household loans by banks was 98.2 trillion 13.8 billion won at the end of November, an increase of 13,644.4 billion won from the previous month.
In particular, this increase is the largest since 2004, when breaking news began to be written, exceeding this year’s largest increase recorded in August (1.1 trillion won).
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First of all, other loans including credit loans increased by 7.40 trillion won compared to the previous month. It is expected to record the largest increase in history.
Yoon Ok-ja, head of the Financial Markets Bureau’s Market Supervisory Team, told Media SR, “Amid the continuing demand for housing, stocks, and living funds, the scale of the increase has expanded dramatically as the movement to secure necessary funds before the enforcement of the credit loan regulation was added.” .
Mortgage loans also increased by 6.2 trillion won compared to the previous month, and maintained an increase of 6 trillion won for three consecutive months following September (6.7 trillion won) and October (6.8 trillion won).
This can be interpreted as being influenced by the increase in group loans that have already been approved and the demand for funds related to housing transactions.
In fact, the nationwide apartment sales volume last month was 68,000 units, up from August (50,000 units) and September (51,000 units). The volume of apartment sales in the metropolitan area also increased from 20,000 units in September to 25,000 units in October.
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