Tougher lending rules rein in loan limits in Seoul 서울 대출한도 규제 강화

[김우정]

집값상승과 함께 가계대출이 급증하고 있습니다.
정부는 가계대출의 증가를 억제하기위해 2단계 DSR(Debt Service Ratio)을 시행하기 시작했습니다.
따라서 대출한도는 줄어들고 금리는 올라가게되었습니다.
제2금융권의 상황을 점검해서 풍선효과도 미리 막기로 했습니다.
이번 조치로 수도권 집값이 안정될까요?
 
Tougher lending rules rein in loan limits in Seoul
서울 대출한도 규제 강화

By Jun Ji-hye 전지혜 기자
Posted : 2024-09-01 14:38 Updated : 2024-09-01 17:09
Korea Times

Apartment complexes are seen from Mount Nam in Seoul, Friday. Yonhap 금요일 서울 남산에서 아파트 단지들이 보인다. 연합

Authorities to monitor secondary financial sector for shifts in loan demand
당국, 제2금융권 대출 수요 변화 모니터링

The government began implementing the second phase of stressed debt service ratio (DSR) rules, Sunday, to curb a rapid increase in household loans.
정부는 일요일부터 가계대출의 급격한 증가를 억제하기 위해 2단계 DSR(Stressed Debt Service Ratio) 규칙을 시행하기 시작했다.

The stressed DSR regulation adds an extra stress factor when calculating the amount of the principal and interest a borrower must pay relative to their annual income. This measure effectively lowers the maximum loan limit.
스트레스를 받는 DSR 규제는 대출자가 연간 소득 대비 원리금을 지급해야 하는 금액을 산정할 때 추가적인 스트레스 요인을 추가한다. 이 조치는 사실상 최대 대출한도를 낮추는 것이다.

The latest action is aimed specifically to increase the additional interest rate on mortgages within the Seoul metropolitan area.
이번 조치는 특히 수도권 내 주택담보대출 가산금리를 높이는 것을 목표로 하고 있다.

According to a simulation by financial authorities, a borrower with an annual income of 60 million won ($45,000) could borrow up to 419 million won from a bank for a home located within the Seoul metropolitan area, with a 30-year variable interest rate of 4 percent, before the introduction of the stressed DSR regulation.
금융당국의 시뮬레이션에 따르면 연소득 6,000만원(4만5,000달러)인 대출자는 스트레스성 DSR 규제 도입 전에 30년 만기 변동금리 4%로 수도권 소재 주택에 대해 은행에서 최대 4억1900만원까지 대출받을 수 있었다.

After the first phase of the stressed DSR regulation took effect in February, the loan limit for the same hypothetical mortgage was reduced to 400 million won.
지난 2월 1단계 DSR 규제가 시행된 후 동일한 가상의 주택담보대출에 대한 대출한도가 4억원으로 축소됐다.

With the implementation of the second phase, the loan limit would be reduced further to 364 million won.
2단계 시행으로 대출한도는 3억6,400만원으로 더 줄어든다.

For locations outside the Seoul metropolitan area, the limit on the same loan would decrease to 383 million won.
수도권 외 지역의 경우 동일대출 한도가 3억8,300만원으로 줄어든다.

The reduction in loan limits is estimated to be 4 percent for mortgages with a five-year fixed interest rate in the Seoul metropolitan area and 3 percent in other regions. For variable interest rate mortgages, the limits are expected to decrease by 13 percent in the Seoul metropolitan area and 8 percent in other regions.
대출한도 축소는 수도권의 경우 5년 고정금리 주택담보대출의 경우 4%, 그 외 지역의 경우 3%로 추정된다. 변동금리 주택담보대출의 경우 수도권은 13%, 그 외 지역은 8% 한도가 감소할 것으로 예상된다.

Gettyimagesbank 게티 이미지뱅크

As concerns mount over economic strain caused by rising household loans and escalating home prices, particularly in Seoul and its surrounding areas, financial authorities have been tightening lending regulations gradually by implementing stricter DSR rules.
특히 서울과 인근 지역을 중심으로 가계대출 증가와 집값 상승에 따른 경제적 부담이 우려되자 금융당국은 DSR 규제 강화를 통해 점진적으로 대출 규제를 강화해왔다.

The first phase of implementation added a stress interest rate of 0.38 percentage point to mortgages provided by banks.
1단계 시행은 은행이 제공하는 주택담보대출에 0.38%포인트의 스트레스 금리를 추가했다.

The second phase introduces an additional interest rate of 0.75 percentage point to mortgages from banks and secondary financial institutions. For homes located in the Seoul metropolitan area, an additional rate of 1.2 percentage points is applied to bank mortgages.
2단계는 은행 및 제2금융권 주택담보대출에 0.75%포인트의 가산금리를 도입한다. 수도권 소재 주택에 대해서는 은행 주택담보대출에 1.2%포인트의 가산금리를 적용한다.

“We will make every effort to thoroughly prevent the increase in household debt driven by speculative demand, while minimizing difficulties for those buying homes to live in,” said an official at the Financial Services Commission (FSC), the country’s top financial regulator.
국내 최고 금융감독당국인 금융위원회(금통위) 관계자는 "투기수요에 따른 가계부채 증가를 철저히 막는 동시에 주택을 사는 사람들의 생활고를 최소화하는 데 만전을 기할 것,"이라고 말했다.

Household loans extended by banks have risen for five consecutive months. In August, the total increased by 8 trillion won as of Aug. 29, marking the largest rise since July 2021, when it grew by 9.6 trillion won.
은행권의 가계대출이 5개월 연속 증가세를 보였다. 8월에는 8월 29일 기준으로 총 8조 원이 증가해 9조 6,000억 원이 증가한 2021년 7월 이후 가장 큰 폭의 증가세를 기록했다.

The authorities will also inspect the secondary financial sector to prevent a balloon effect, whereby mortgage loan demand could shift from banks to other financial institutions subject to relatively looser government regulations.
당국은 또 제2금융권을 점검해 주택담보대출 수요가 은행에서 상대적으로 느슨한 정부 규제를 받는 다른 금융기관으로 옮겨갈 수 있는 풍선효과를 막기로 했다.

They plan to monitor daily changes in household loans and leading indicators, such as loan application numbers, at financial institutions like NongHyup and MG Community Credit Cooperatives as well as insurance companies.
이들은 보험사뿐 아니라 농협, MG새마을금고 등 금융기관에서 가계대출과 대출신청번호 등 선행지표의 일별 변화를 모니터링할 계획이다.

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