“부동산-금융 절연” 외친 금융수장, 넉 달 지나자 국토장관과 “금융 지원”

Financial industry chief raised an alarm over "land-finance disconnection" during a briefing. This came just over a month after the chief claimed that separating real estate and finance was "urgently necessary" to prevent a "failed real estate republic." Despite expanding the target for family loans from 1.5% to 3.0%, the chief softened some loan regulations.

The contrast between the chief's stance on "land-finance disconnection" and the modest increase in family loan targets sparked a debate. The chief emphasized that the goal is to curb speculative demand through financing, not to block the entire real estate and finance sector. The chief justified the increase in family loan targets by citing the rising "Korean growth rate," arguing that even with a 3% increase, the ratio of family loans to GDP would remain manageable.

However, a finance official questioned the sustainability of the high growth rate, stating that while the economic growth rate is high, the family loan ratio remains high at around 80%. The chief defended the increase in family loan targets, arguing that it would stimulate the real estate market and that certain loans are already exempt from the target.

The chief also noted that the increase in family loan targets is not a signal to stimulate speculative lending. Market experts believe that the concern about speculative lending is already reflected in the market.