13 days credit unions, community credit from credit screening guidelines, including enforcement

Customized credit review guidelines also apply to [lower cervical Korea before the financial newspaper reporter] 13 days community credit cooperatives, credit unions, cooperatives, Fisheries, Forestry combination mortgages from. It is intended to mandatory repayment to ease the repayment burden.

The financial authorities should first performed from 13 days 'tailored credit assessment guidelines' borrowing in the repayment ability to improve the quality nine trillion households that, in principle, to pay off divided from the beginning to target the assets over 100 billion won combinations and safe mutual banks It announced five days.

If the mutual banks run the mortgage is non geochisik amortization it is applied.

This applies to loans is in excess of 30 million won of loans for house purchase funds, and pay loans, loans reported earnings applicable to new loans maturity more than three years. Less than 30 million won loan amortization is excluded from applying. Year grace period to repay the amount within one year shall be divided uil least once a month for the more than 1/30 of the annual loan principal.

When the mortgage mortgage lending stuff than before to three summing the finance company, if the balance of the loan or the loan balance for the reconstruction and redevelopment of housing pre-sale housing should geochisik non-repayment.

Mounted to the full amount of principal to be repaid within one year the period in both the division's loan period at least once a month.

If you get a mortgage in the future we should be able to submit materials yisseun objective evidence such as proof of income as income, recognized income and reported income.

With income proof will work issued by governments and public authorities, businesses, pension, and data on such Sita income recognition Income is estimated on the basis of the national pension, health insurance etc. The government and public institutions by the customer issue an income.

If farmers and fishermen will submit the verified income is difficult to verify income data for that combination of requirements will utilize a combination safe or authorities estimate the material income. Farmers should take advantage of the 'agricultural and livestock products income data, income, etc. on jakmokbyeol announced by Rural Development and Fisheries sodeukryul on fishermen take advantage of the' eoga main economic indicators' announced by the National Statistical Office.

Reported income is the annual income chwong layer through the income forecasting model 'of recognized income and proof of income data submitted is difficult for credit card usage, such as estimates of income or credit rating agencies. Income recognized by the income forecasting model 'is also limited to 3000 yuan.

If it is difficult to secure income, such as unemployment data it can be used as a regular tax return poverty.

Considering the nature of financial mutual customers using a variety of exception is recognized.

If an exception is recognized when the unavoidable debt acquired such Auction participation for interim loans △ reconstruction and redevelopment of housing yijubi loans and additional contributions interim loan △ inheritance, or bonds preservation of the △ pre-sale housing △ funding purposes with a clear repayment plan short-term or If such a life is inevitable △ support funds.

The guidelines enforced if applying for a mortgage loan can amount, loan period, the monthly repayment burden, etc. may differ from your expectations Proof of income prior to signing the sales contract, such as the use of collateral, loan amount, such as loan period or for a combination safe and it should advance consultation.

If you go through this difficult counseling 'self-consultation corner "on the homepage it can be sent directly to each federation, including whether geochisik non-repayment.

Beginning June 1 it will be expanding credit assessment guidelines implemented in the whole combination. And whether the combination of a safe destination that is effective from 13th can be found through the Federation of each pit or store instructions.



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