[Korea Jeongseon financial newspaper reporters - as the bank loans totaled strengthen regulation that the 'balloon effect' household loans to mutual financial cooperatives, Fisheries Cooperatives, credit unions, community credit cooperatives, such as soaring prominently displayed.
According to mutual financial household lending trend data by the Bank of Korea announced 24 days, household loans increased last year by 13.5% of mutual financial year was much higher than the bank household loans growth (9.6%).
The balance of household loans are mutual banks in 2016 increased 34.4 trillion won, atda exceed twice the amount increased in 2015 (16.6 trillion won).
The Bank of Korea analyzed that "expanding the lending business based on the reception growth, the household debt as a mutual financial loan demand due to the movement, such as bank loans increased significantly stricter regulations.
In particular, mortgage loans in the banking sector interaction was eight times greater than the one nyeonsae to 14.1 trillion won (17.0%) year 2016-2 1.7 trillion won in 2015 the annual added value.
Last year, non-mortgage loans also added value by 17.1 trillion won also in 2015 (12.9 trillion won) increased significantly year.
Of mutual financial loan-to-value ratio of the mortgage (LTV) loans exceeding 60% is also the end of September last year amounted to 66.4%. Late last year, more than 60% of bank mortgage LTV ratio showed nearly twice (35.9%).
In the case of non-mortgage loans to mutual financial, 48.4% of the share of each borrower, jeosinyong, bold shares to 10.6% (27.2%, 8.9%) was higher than.
In living by borrowing purposes (27.4%) and business purposes (14.1%) it was higher than the proportion of banks (21.2%) to 41.5%.
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