2,900 trillion in real estate...Household loans will be tightened further.

Financial authorities fear household debt growth due to interest rate cuts
Reviewing the Application of DSR Regulations to Jeonse and Policy Loans
Bank of Korea Governor "DSR Regulations Need to Expand Long-Term"

[Anchor]
The exposure to real estate finance risks, including real estate-related loans and investments, has reached 2,900 trillion won over the past decade.

The financial authorities plan to consider additional regulations in response to concerns that household loans could be further stimulated by the Bank of Korea's recent rate cut.

Reporter Choi Doo-hee reports.

[Reporter]
Real estate financial risk exposure, which includes both household loans such as real estate mortgage loans and corporate loans such as project financing loans,
As of the first half of
, it reached KRW 2,881.9 trillion.

It has nearly doubled over the past decade, and the proportion of household loans accounted for nearly half of the total.

In the meantime, the Bank of Korea recently cut its key interest rate for the first time in three years and two months, turning to easing its monetary easing stance.

Financial authorities are struggling to block the possibility of such a rate cut spreading to household debt.

Accordingly, we are considering including the total debt repayment ratio, lease on a deposit basis loans, and policy loans that were excluded from the so-called DSR calculation range, in the DSR regulation.

Various reviews are expected to be conducted, such as differentiating between the metropolitan area and the non-metropolitan area, or by income level.

Earlier, Bank of Korea Governor Lee Chang-yong also said DSR regulations should be expanded in the mid- to long-term to slow household loan growth.

[Lee Chang-yong / Governor of the Bank of Korea (last 11th): It is not desirable to borrow money and cause problems in the future compared to lack of one's own income or ability, whether it is a policy or for any reason. DSR regulation should be expanded in the mid to long term..]

As the banking sector tightens household loans, financial authorities are also concerned about the so-called "balloon effect," which is attracting demand to the second financial sector.

As a result, the second financial sector companies will convene separately on the 15th to urge strengthening household debt management.

Financial authorities plan to make every effort to manage household debt as there are concerns that if demand for loans is concentrated in the second financial sector, it could hinder the pace of household debt.

I'm Choi Doohee of YTN.

Video editing;Song Bo-hyun

Design;Ji Kyungyoon