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[Apha Biz=(Chicago) Reporter Paul Lee] Internet banks and Big Tech have joined hands to preoccupy the mortgage market, which is called the garden of traditional financial companies.
According to the financial industry, K-Bank recently partnered with Toss to launch an 'Apartment Mortgage Loan' product in Toss. Toss is the first time K-Bank has posted an apartment mortgage product on the platform.
K-Bank expects a win-win effect of expanding its credit loan-oriented loan portfolio to mortgage loans through Toss, which has secured a strong number of users, and Toss expects a win-win effect of increasing its partnership with the primary financial sector.
K-Bank uses Toss as a window to secure a large number of customers in the mortgage market and improve the loan portfolio structure focused on credit loans. By the first quarter of this year, K-Bank's mortgage-based loans accounted for 73.3% of the total, with high-credit credit loans accounting for 55.7% and mid- to low-credit credit loans accounting for 17.6%. The collateral is only 14.2%.
K-Bank plans to increase the number of users and product sales by expanding the inflow of customers through platform alliances.
Toss added a line-up of primary financial institutions through the K-Bank partnership and increased the number of mortgage loan affiliates to 12. In the absence of Toss Bank mortgage products yet, K-Bank's apartment mortgage products are expected to enter the platform and create synergy.
AlphaBIZ 폴 리(hoondork1977@alphabiz.co.kr)
