금융위원장 “가계대출 총량 확대, 투기 수요 자극해선 안 돼”

The governor of the Financial Services and Payment Committee emphasized that raising the total household loan target from 1.5% to 3.0% should not signal speculative lending. Speaking at the "Expansion Household Debt Review Meeting" on the 14th, he urged that with the adjusted target being rational, rapid and stable funding should be made available to real demand.

The government had increased the household loan management target from 1.5% to 3.0% the previous day, following the call for measures by President Jang Myeong-man. This action came amid controversy surrounding "residual loan chaos" and "loan opening rushes". The increase in the target could grant the financial sector approximately 30 trillion won in additional lending capacity, potentially lowering the threshold for real demand borrowers.

However, concerns arose that the market might interpret this as a signal of broader loan regulation relaxation, leading to a resurgence in property purchases and speculative lending. In response, the governor took decisive action to prevent this. Despite raising the target, the government maintained all the loan regulations introduced since the June 27 action plan, ensuring real demand financing is adequately distributed among financial companies' total loan management targets.

The governor urged the financial sector to provide unhindered funding support to real demand borrowers and ensure smooth business processing at frontline branches. The meeting, attended by the Ministry of Finance and Budget, the Ministry of Trade, Industry and Energy, the Bank of Korea, the Financial Supervisory Service, Korea Housing Finance Corporation, and other relevant institutions, reviewed the detailed implementation measures of the action plan announced the previous day and recent trends in household loans.