8% "P2P lending customers re-aged loans increased the most."

[Korea before lower cervical financial newspaper reporter - 8% target results are P2P lending customers surveyed, run re-aged loans, loan purpose most frequently.

8 percent said life was money (32.9%), business capital (16.8 percent) were the next most common, if re-aged loans to the survey results, 58.4% of customers use credit conducted 28 days.

The survey was conducted in 1250 using P2P clients out of credit through the Eight per cent over the last year, a total of 294 people took part in the survey with a response rate 23.5%.

Eight percent of customers in lending rates with service re-aged loans decreased to 11.3% from 20.5% in average. Group 2 made via a financial institution for a loan on an existing (multiple responses) to look △ card loans (45.2%) △ savings banks (33%) △ Capital (22.4%) △ appeared to loans (13.9%).

The advantage of P2P lending showed a high satisfaction (multiple responses) △ is a non-face-to-face / mubangmun convenience (66.3%) △ reasonable lending rates (38.1%) △ Easy to documents received (29.3%). Besides prepayment fees (20.1%) △ △ got a good response for the desired loan amount (8.8%).

If you require further funds to include questions to determine if a doctor says to take advantage of the P2P lending willingness of customers to 94.2% even after use.

Borrowers of occupations surveyed the office worker was the most common carriers 66.1% (17.7%), public officials / public (9%), freelance (5.1%) and other (2.1 percent).

Was was also part of that miss in the P2P lending (multiple responses) to be 31.1% give respondents extension than the 44.2%, a maximum of 36 months due to give further increasing the ₩ 30 million current personal credit limit followed, principal and interest equal repayment method there was such a change would give the principal maturity (30.7%).

Other comments were also made to the request, such as those higher than it is now, the weights for the introduction of real income △ prepayment service sector △.

Looking at the distribution of credit ratings Eight percent (February 27 criteria) was 17% in grade 4, grade 5, 24.2% and 26.3% of grade 6, grade 7 15.2%.



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"Marginal lending rate rises 1% p 25 trillion debt furniture ↑"

[South Korea's Choice Financial newspaper reporter] was raised to analyze financial debt would surge to 25 trillion won of a 1 percentage point interest rate rise 'marginal households.

Y. In addition, according to data the National Assembly Planning and Finance Committee Democrats received 28 days to submit at the Bank of Korea, Financial debt held by the three years of the end of 2016 is limited to households 289.7 trillion won, or 32.7% of total financial liabilities.

Household financial assets is limited in the conditions and minus net financial assets minus financial liabilities refers to the principal and interest payments to disposable household income ratio exceeds 40%. It is expected that the loan rate rises to increase both the number of households and limit their financial liability, the interest payments.

Assuming the situation lending interest rates rise 1%, marginal households increasing by 1.573 million households 69 000 Furniture, household annual limit household interest payments are to ₩ 8,913,000 to ₩ 1,359,000 increased from 7.554 million won It showed.

Another limitation of the financial liability households were estimated to surge 24.7 trillion won to 314.4 trillion won. US Federal Reserve (Fed) is expected to rise, the interest rate of one year, subject to the policy rate hikes 2-3 times larger households hit this limit.

Y. lawmakers' needs to the government to pay more attention to the elderly vulnerable household have only low-income real estate assets' income, jeosinyong, multiple debtors, such as the so-called need a debt measures of vulnerable borrowers' said he pointed out did.

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Financial populace Agency, customized lending services

[Korea before lower cervical financial newspaper reporters] to the populace Finance Agency offers customized lending services.

Financial Agency said that people 28 days to conduct customized lending services available to guide you through the most appropriate loan products according to South Korea last year yijiron December 23 positive sales situation of the applicant to complete the contract, and also apply.

Financial populace Agency plans to operate to provide 'customized lending services, enlarge to receive tangible benefits, such as relief to the people and a lack of financial information.

To provide customized lending services through a business agreement with the bank, finance, mutual savings banks, 51 financial companies, including Capital provides information on more than 100 financial products, and may be preferential interest rates of up to 3 percentage points.

Through the integrated call center people Finance Agency or custom home loan is if you apply for a consultation.



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Bank lending rates only to households up to 23 months

[South Korea's Choice Financial newspaper reporter] showed that household lending interest rates of banks continues to rise.

According to the Bank of Korea, the 27th announced, in January 2017 financial institutions weighted average interest ', January household lending rate (the newly extended basis) of the deposit money banks was 0.10 percentage points higher than last year's December annual 3.39% did.

Household lending rate rose second consecutive five months after the right to 3.03% in September last year. In particular, household loan rate in January was the highest level in 23 months since February 2015 (3.48%).

Mortgage loan rate of household lending is rising second six months rose 0.03% points to 3.16% from the previous month continues. Group lending rate rose to 0.01% points to 3.17%.

Guaranteed loans (3.23%) and general credit loans (4.51%) also rose by 0.16 percent points, 0.07 percentage points, respectively. For savings, mortgage loans rose 0.02 percentage point to 3.00%.

Last month, fixed-rate share of bank household loans fell by 0.04% points higher than in December last year, 38.6%. Fixed-rate share is falling since the second half of last year fell from 57.8% in July and 55.8% in August.

US Federal Reserve (Fed) is not only carried out a surprise rate hike last year and continues to be the burden of rising interest rates Following the austerity heralded the era of the households received loans with floating interest rate floor is large.

Corporate lending interest rates continued to rise.

January bank lending rates is now four months was up 0.01 percent point rise to 3.55%. Enterprise lending rate (3.20%) and SME lending rate (3.79%) all rose by 0.04 percent points, 0.02 percentage points.

The total lending rate of banks rose 0.07% points to 3.51%.

Whereas interest rates were controlled banks received from the property.

Bank savings interest received in January fell by 0.05% points to 1.51%. It is the first time since August last year rates have fallen reception. All time deposits (1.47%) and time deposits interest rates (1.53%) interest rate fell by 0.07 percentage points and 0.01 percentage points respectively.

The difference between the lending rate and deposit rate Bank (NIS) has been expanded 0.12% points to 2.00% points.

In the case of non-banking financial institutions deposit rate Mutual Financial (1.63%), credit cooperatives (2.00%), community credit cooperatives (1.95%) have climbed by 0.07% points, from 0.01 percentage points and 0.02 percentage points respectively. On the other hand Mutual Savings Bank fell 0.04% points to 2.12%.

In the case of non-bank mutual savings bank lending rates have risen points or 1.09% to 11.75%. Credit unions were also counted as a delivery rose 0.08% points higher than 4.60%.

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