This year, the amount of new loans that landlords received from major banks and Korea Housing Finance Corporation for the purpose of returning deposits for jeonse exceeded 4.6 trillion won.
This means that as the ‘reverse jeonse’ problem appeared, where the jeonse market price was lower than the existing jeonse deposit, the number of landlords who took out debt because they could not afford the decrease in the jeonse market price increased.
While the reverse tax crisis is expected to continue until next year, the government is considering easing regulations on the total debt repayment ratio ( DSR ) for each borrower for loans to return deposits on deposits.
According to the financial sector on the 13th, the 4 major banks and the Korea Housing Finance Corporation newly dealt with jeonse deposit return loans totaled about 4.6934 trillion won this year.
The cheonsei deposit return loans newly handled by the four major banks ( KB Kookmin, Shinhan, Hana, and Woori) from January to May this year amounted to about 2.6885 trillion won.
It is similar to 2.6966 trillion won in the same period last year, but this is because demand was partially diversified due to the special Bogeumjari Loan, which was released at the end of January. An official from a commercial bank said, “I know that the demand for the
Jeonse deposit return loan handled by the special Bogeumjari Loan is not subject to the DSR regulation, so the conditions are good.”
According to the Korea Housing Finance Corporation, as of the end of May, the amount of valid applications for special bogeumjari loans for the purpose of returning rental deposits was tallied at 2.49 trillion won.
Considering that the supply of Bogeumjari Loan for the purpose of returning the rental deposit last year was 800.2 billion won, the amount more than 2.5 times the total supply last year was applied for in just five months this year.
Valid applications include those that메이저놀이터 have already been implemented and those that are under review, and in the case of cases that are under review, it takes an average of one to two months to execute.
Regarding the reason for the increase in the amount of applications this year, an official from the goldsmith said, “It seems that landlords who have not been able to find new tenants due to the reverse tax crisis are actively using the special bogeumjari loan for conservation purposes.”
The reason why jeonse deposit return loans have increased is that there are many cases in which landlords have to borrow money and return the deposit due to the decrease in jeonse prices.
According to the results of analysis by the Bank of Korea using actual transaction micro data, the proportion of households at risk of reverse jeonse rental increased from 25.9% (517,000 households) in January last year to 52.4% (1,026,000 households) in April last year.
The reverse tax problem is expected to continue into next year. According to the Bank of Korea, as of April, among reverse charter contracts, the proportions that matured in the second half of this year and the first half of next year reached 28.3% and 30.8%, respectively.
The government’s easing of loan regulations this year is also a factor in the increase in deposit return loans.
An official from a commercial bank said, “In the past, when household loan regulations were strong, the living stabilization fund loan limit was only 100 million won, but it has increased a lot recently . ” There are aspects of this,” he said.