대환대출 온라인 플랫폼According to the Financial Services Commission, a total of 834 loans were transferred through the refinancing loan infrastructure from 9:00 am to 12:30 noon on the 31st. Based on the loans that have been repaid through refinancing loans, the scale is 21.6 billion won. In detail, loan transfers between banks accounted for 90% of the total.
With the launch of the online refinancing loan infrastructure, cases of transferring credit loans at low interest rates were confirmed one after another. Cases in which 15 million won received as a limit loan were transferred from 9.9% to 5.7% per year (bank → bank) or 5 million won from a card loan were moved from an interest rate of 19.9% to 17% (card company → card company). There was also a case where a credit loan of 80 million won was changed from an interest rate of 15.2% to 4.7% (savings bank → bank).
With the establishment of online refinancing loan infrastructure, the trend of interest rate cuts by major banks was also confirmed. Bank A provided a preferential treatment of 0.3 percentage points (p) when applying for a refinancing loan through its app, and Bank B lowered the range of interest rates for refinancing loan products through the platform by 0.5%p.
On the first day of operation of the infrastructure, the Financial Services Commission explained that although some financial companies were delayed in responding to inquiries about loan conditions through the platform, access to and use of refinancing loan services were generally smooth.
The financial authorities said, “Consumers need to be aware that there is no change in the existing DSR ceiling regulation even after the infrastructure is launched.” You can only move within the scope of the loan conditions presented.”
