"Salary pay one half of the debt of mortgage loans received last year, house five minutes."

[Korea Jeongseon financial newspaper reporters] were estimated to be written by the borrower to pay off a debt of half earnings appear to be out of that 20% of new mortgage loans exceeding 50% debt-to-income ratio (DTI).

According to the data the 17 the Financial Supervisory Service (FSS) is submitted to the Democratic Kim, Young - Ju Senator addition, loans that exceed the DTI 50% of new mortgage loans last year, banks were aggregated 7.3 trillion won to 18.9% of all new mortgage loans.

DTI has become the current regulatory limit of 60% in the metropolitan apply to income ratio of principal and interest payments.

Note that new loans exceeded the DTI 50% of boldness was 20% (5.3 trillion won) in 2013. Since August 2014 LTV (loan-to-value ratio) · DTI real estate regulation is relaxed and Sudan has cut interest rates this proportion is 20.9% in 2014 (8.5 trillion won) in 21% of 2015 increased steadily (14.4 trillion won) come.

If you buy an apartment at a variable interest rate as low interest rates, a situation inevitably increases the burden and written back to the main mortgage interest rates riser. Also the real estate boom turns off when the income the greater the increase in the so-called standstill 'House Poor' concerns.

Kim, Young - Ju lawmakers said the "larger the interest burden of the middle class, bought an apartment in the metropolitan unreasonable to believe only the government's real estate policy, the common people are feared to be consumer spending is shrinking, said" the government will prepare a soon solution per day.

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