Bank-issued household loans up sharpest amount 8월 은행가계대출 2년여 만에 최고로 급증

[김우정]

지난달 은행가계대출은 1,075조원으로, 7월 대비 6.9조원 증가해서 역사상 최고치를 기록했습니다.
주택담보대출이 주도했으며, 전월배비 7조원 확대되어 이번 달에 827.8조원으로 늘었습니다.
정부는 대책으로  상환능력에 따라 DSR 산정기간을 조정하기로 했습니다.
DSR은 연간소득대비 부채원리금 싱환액으로 현재는 40%입니다. 
 
Bank-issued household loans up sharpest amount in over 2 years in August
8월 은행가계대출이 2년여 만에 최고로 급증

By Anna J. Park 박안나 기자
Posted : 2023-09-13 16:04 Updated : 2023-09-13 16:14
Korea Times

gettyimagesbank

 Financial authorities to strengthen DSR regulations
금융당국, DSR 규제강화 방침

With the country's monthly household loans on a steady increase, bank loans in August showed a rise of 6.9 trillion won ($5.1 billion) from the previous month to date. The increase in August is the highest monthly margin over the past two years and any single month-to-month period, since it reached 9.7 trillion won in July 2021.
국내 가계 대출이 꾸준한 증가세를 보이며 8월 은행대출액은 전월대비 6.9조원(51억 달러) 증가했다. 이번 8월의 증가율은 2021년 7월에 9.7조원으로 기록된 이후 2년 동안 가장 높은 수치로, 매월대비 가장 큰 상승이다.

According to the latest report by the Bank of Korea (BOK) on Wednesday, the aggregate balance of bank loans, including mortgage loans, at deposit-taking institutions in August stood at 1,075 trillion won, expanding by 6.9 trillion won from July. It is also the all-time high level for household debt in Korea's history, as the household loans offered by the banks have been on a continuous rise for five consecutive months since April.
수요일 한국은행의 최신보고서에 따르면 8월 예금은행을 포함한 은행대출총액은 1,075조원으로, 7월 대비 6.9조원 증가했다. 이는 주택담보대출 등을 포함한 가계부채가 한국 역사상 최고치로, 은행들이 제공하는 가계대출은 4월 이후 5개월 연속으로 계속해서 상승했다.

The hike in household loans in August was primarily driven by mortgage loans; mortgage loans recorded an expansion of 7 trillion won, reaching 827.8 trillion won in balance in the month. In contrast, credit loans and other types of unsecured loans decreased by some 100 billion won from the previous month.
8월 가계대출 증가는 주로 주택담보대출이 주도했으며, 해당 대출은 7조원 확대되어 이번 달에 827.8조원으로 늘었다. 반면 신용대출 및 기타 무담보대출은 이전 달에 비해 약 1,000억원 줄었다.

"Household loans in August saw an expansion primarily due to the rise in mortgage loans. Despite weakening demand for loans for the purpose of housing rental deposits, the demand for mortgage loans for home purchases has significantly increased," an official from the BOK explained.
한 한국은행 관계자는 "8월 가계대출이 대부분 주택담보대출 증가로 이어졌다"며 "주택 임대보증금 대출수요가 약화되었더라도 주택구매를 위한 주택담보대출 수요는 크게 증가했다"고 설명했다.

"The increased level of housing transactions concluded in May and June were followed by mortgage loans in August," the official added, highlighting that the recovery of housing sales and purchases earlier this year has led to the rapid mortgage increases.
"올해 초 주택매매의 회복으로 5월과 6월에 높아진 주택거래가 8월 주택담보대출 증가로 이어졌다"고 관계자는 덧붙였다.

The related ministries, including the Financial Services Commission (FSC), the finance and land ministries, the BOK, the Financial Supervisory Service (FSS), the Korea Housing-Finance Corporation and more, held a review meeting on the country's household debt status.
금융위원회(FSC), 재무부, 국토교통부, 한국은행(BOK), 금융감독원(FSS), 한국주택금융공사 등을 포함한 관련 기관들은 국내 가계부채상황을 검토하는 회의를 열었다.

The participating institutions identified that the recovery in housing transactions has been leading to a monthly increase in mortgage loans from banks, sharing their view that now is a critical point, which requires close management by financial authorities to prevent further debt expansion.
참여기관들은 주택거래의 회복이 은행으로부터의 월간 주택담보대출 증가를 이끌고 있다고 판단하며, 더 이상의 부채 확대를 막기 위해 금융당국이 밀접히 관리해야 할 중요한 시점이라는 견해를 공유했다.

In particular, the financial authorities stressed the importance of rigorously strengthening regulations on debt services ratio (DSR), a ratio of the amount of debt to income, which is used as an indicator of an individual's ability to meet their debt obligations. They pinpointed the potential that 50-year maturity mortgage loans, which earned popularity in July and August, might be misused as a means to bypass DSR regulations and therefore, excessively borrow to speculate.
특히 금융당국은 개인의 채무 이행 능력을 나타내는 지표로 사용되는 소득 대비 채무액 비율인 채무상환비율(DSR) 규제를 엄격히 강화해야 한다고 강조하면서 지난 7~8월 인기를 끈 50년 만기 주택담보대출이 DSR 규제를 우회하는 수단으로 악용돼 과도하게 대출을 받아 투기에 나설 가능성을 지적했다.

Recognizing such dangers, the financial authorities have decided to apply a maximum of 40 years as the calculation period for DSR for those who cannot prove their repayment capacity throughout the entire loan period. Only those who can prove their repayment capacity would now be able to receive 50-year maturity mortgage loans. Banks will also strengthen their oversight in managing household debts to prevent excessive lending.
금융당국은 이 같은 위험성을 인식해 대출기간 전체에 걸쳐 상환능력을 입증할 수 없는 사람에 대해서는 최대 40년을 DSR 산정기간으로 적용하기로 했으며, 상환능력을 입증할 수 있는 사람에 한해 50년 만기 주택담보대출을 받을 수 있게 됐습니다. 은행들도 과도한 대출을 막기 위해 가계부채 관리에 대한 감독을 강화하기로 했다.

#Bank-issuedhouseholdloans은행발행가계대출 #DSRregulationsDSR규제 #Mortgageloans주택담보대출 #Aggregatebalance총잔액 #Creditloans신용대출 #Unsecuredloans무담보대출 #Financial authorities금융당국 #Repaymentcapacity상환능력 #Calculationperiod산정기간 #Excessivelending 과도한대출