[Alpha Biz=(Chicago) Reporter Paul Lee] Banks bypass debt-to-income ratio, DSR regulations The financial authorities caught me.

The Financial Supervisory Service announced the results of an on-site inspection of household loans in the banking sector on the 14th, saying many banks abused 50-year mortgage loans as a means of bypassing the DSR.

Banks have also been caught encouraging borrowers to switch to mortgage loans for the purpose of bypassing the DSR.

In addition, the Financial Supervisory Service encourages the exclusion of household loan performance from key performance indicators at branches, but some banks have set performance indicators proportional to household loan performance.

 

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