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| 금융위원회. (사진=연합뉴스). |
[Alpha Biz=(Chicago) Reporter Paul Lee] Financial authorities are planning to expand "long-term and fixed-rate" loans in the banking sector, which has a high proportion of floating-rate loans.
The working group diagnosed that long-term and fixed-rate mortgage loans are currently handled only around policy financial instruments, and the proportion of banks' own net fixed-rate loans is very low at 2.5%. As a result, the financial authorities have decided to take administrative guidance on the proportion of new fixed-rate targets to expand long-term and fixed-rate loans.
Until now, financial authorities have recognized mixed loans that have been fixed for a certain period of time and later operated in a variable manner as fixed-rate loans. However, from now on, the company plans to expand the supply of these products by separately presenting a target ratio of a net fixed rate and a five-year cycle (a product with a rate change cycle of more than five years). It will also impose penalties on banks if they do not meet the minimum target for the supply of fixed-rate loans.
AlphaBIZ 폴 리(hoondork1977@alphabiz.co.kr)
