It is said that domestic banks will increase the limit of credit loans and negative accounts, which was limited to 50 million won, to a maximum of 300 million won. This is the normalization of loan business after about six months as the increase in household loans has stabilized due to the strengthened regulation on the total debt-to-income ratio (DSR) for each borrower. We will inform you about the news of each bank increasing the negative account limit and the increase of the credit loan limit for office workers.
From now on, let’s find out how much the negative account limit of KB Kookmin Bank, Hana Bank, Woori Bank, Shinhan Bank, and NH Nonghyup Bank is increased.
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1. Each bank negative account limit: KB Kookmin, Hana, Woori, Shinhan, NH Nonghyup
2. Employee Credit Loans
Each bank negative passbook limit
It is said that each bank’s negative account limit will be increased. Banks are likely to continue lowering their lending thresholds for the time being, as banks, which achieved record-breaking profits from increased lending last year, are now in a position to worry about performance deterioration due to a decline in lending this year. 마이너스통장 한도 증액
Accordingly, we are lowering loan thresholds, including increasing household loan limits and lowering interest rates. 좋은뉴스
KB Kookmin Bank negative account limit
Most of the limits on negative bankbooks and credit loans have already been returned to the level in the first half of last year. Products for general office workers (KB Employee Care Credit Loan, KB Salary Transfer Credit Loan, Headquarters Approved Collective Credit Jujube, etc.) are 100 million won, and products for professional groups (KB Doctor Loan, KB Loer Loan, Ace Professional Loan, etc.) are up to 100 million won. The limit has been raised to 5 million won.
From the 28th, non-face-to-face applications for a loan that converts another bank’s mortgage loan to Kookmin Bank’s loan product will be allowed.
Hana Bank negative account limit
Like Kookmin Bank, most of the limits on negative bankbooks and credit loans have already been returned to the level in the first half of last year. At the end of January, Hana Bank raised the limit of negative bankbook loans for ‘Hana One Q Credit Loan’ from 50 million won to a maximum of 150 million won. .
Woori Bank negative account limit
From the 4th of the next month (April 4), the limit of bankbook loans (negative bankbooks) for credit loan products will be increased from 50 million won to 80 million to 300 million won depending on the type of product. This is the first upward adjustment in about a year and two months since January 29 last year, the limit of all negative bankbooks was lowered to 50 million won regardless of the credit loan product and target.
In addition, from April 4, the same date, the limit of the representative credit loan product, ‘WON Employee Loan’, will be increased from a maximum of 100 million won to 200 million won. The policy of limiting non-face-to-face applications, such as mortgage loans for the purpose of changing loans, high-value credit loans, and single-family jeonse loans, will also disappear. do.
Shinhan Bank negative account limit
Currently, the limit of negative bank accounts is tied at 50 million won, and general office workers, regardless of credit, cannot receive more than 150 million won in credit loans. seems to do
NH Nonghyup Bank Credit Loan Limit
After two revisions in January and February, the credit limit was increased to a maximum of 250 million won.
Recent deregulations on household loans in the banking sector
Recent deregulations on household loans in the banking sector
employee credit loan
Increase in employee credit limit
Kookmin Bank has raised the limit of credit loans for general office workers, such as employee care loans, salary transfer credit loans, STAR CLUB, and headquarters-approved group credit loans, from 50 million won to 100 million won. The limit of KB Doctor Loan, KB Loyal Loan, and Ace Professional Loans for professionals such as doctors and lawyers has also been raised by 100 million won from 50 million won to a maximum of 150 million won.