Household loans fall as banks maintain tight lending rules: data

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SEOUL, Sept. 6 (Yonhap) -- Household loans by major banks fell for the first time in six months in September, as banks continue to strictly manage rapid borrowing, financial data showed Sunday.

Outstanding household loans at five major lenders -- KB Kookmin Bank, Shinhan Bank, Hana Bank, Woori Bank and NH NongHyup Bank -- stood at 781.39 trillion won (US$580.49 billion) as of Thursday, down 727.6 billion won from the end of August, according to the data compiled by the banks.

It marks the first time since March the monthly outstanding figure fell from a month earlier.

Of them, outstanding mortgage loans stood at 620.5 trillion won as of Thursday, a drop compared to 621.2 trillion won recorded as of end-August.

The decline came despite the government relaxing the cap on household loans, as banks maintained their self-imposed loan restrictions, industry officials said.

The five major lenders are said to have received additional quotas from financial authorities, raising their annual target for household loan growth from 4.3 trillion won in 2025 to 7.1 trillion won this year.

"Once loan supply resumes, driven by collective lending, mortgage growth is highly likely to regain momentum in the near future," an official from a local bank said.

Excluding policy loans, outstanding household loans at the five major banks maintained an uptrend, increasing by 108.7 billion won from the end of last month, according to the data.

ATM devices from South Korea's major banks are seen in this file photo taken Aug. 30, 2026. (Yonhap)

fairydust@yna.co.kr (END)

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Household loans fall as banks maintain tight lending rules: data

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首尔，9月6日（韩联社）——周日公布的金融数据显示，由于银行继续严格控制快速借贷，9月份主要银行的家庭贷款六个月来首次下降。

根据银行统计的数据，截至周四，五大贷款机构——KB国民银行、新韩银行、韩亚银行、友利银行和NH农协银行——的未偿家庭贷款总额为781.39万亿韩元（5804.9亿美元），比8月底减少了7276亿韩元。

这是自 3 月份以来，月度未偿债务数额首次比上月下降。

截至周四，未偿还抵押贷款余额为 620.5 万亿韩元，较 8 月底的 621.2 万亿韩元有所下降。

业内人士表示，尽管政府放宽了家庭贷款上限，但由于银行维持了自行设定的贷款限制，贷款额仍然出现下降。

据称，五大贷款机构已从金融监管机构获得额外配额，将其年度家庭贷款增长目标从 2025 年的 4.3 万亿韩元提高到今年的 7.1 万亿韩元。

“一旦集体贷款推动贷款供应恢复，抵押贷款增长很可能在不久的将来重新获得动力，”当地一家银行的官员表示。

数据显示，剔除政策性贷款后，五大银行未偿家庭贷款保持上升趋势，较上月底增加1087亿韩元。

这张摄于2026年8月30日的资料照片显示了韩国主要银行的自动取款机。（韩联社）

fairydust@yna.co.kr (完)

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数据显示，由于银行维持严格的贷款规则，家庭贷款下降。