신생아 특례대출Article report
Autocomplete is turned on.
Delivery time2023-11-24 08:29
Korea Investment & Securities expected that the provision of special loans for newborns, which will be launched around January next year, will lead to an improvement in the asset soundness of banks.
The special loan for newborns, announced as one of the government’s ‘housing support measures to overcome low birth rates’, is a loan that provides low-interest loans of up to 500 million won to the funds needed to purchase or rent a house for households with newborns.
Baek Du-san, a researcher at Korea Investment & Securities, said in a report on the 24th, “From the bank’s perspective, since it can receive secondary compensation for the 21.8 trillion won in special loans, it can aim to grow loans and improve asset soundness while protecting NIM (Net Interest Margin).” expected.
[Provided by Yonhap News TV]
(Seoul = Yonhap News) Reporter Lim Eun-jin = Korea Investment & Securities expected that the supply of special loans for newborns, which will be launched around January next year, will lead to an improvement in the bank’s asset soundness.
The special loan for newborns, announced as one of the government’s ‘housing support measures to overcome low birth rates’, is a loan that provides low-interest loans of up to 500 million won to the funds needed to purchase or rent a house for households with newborns.
Non-homeowners who gave birth within two years of the loan application date can receive it, and it will be applied to children born in 2023. Even households with an income of 130 million won or less can use special loans, and the housing price standard is 900 million won or less and the loan limit is 500 million won.
In relation to this, Baek Du-san, a researcher at Korea Investment & Securities, said in a report on the 24th, “From the bank’s perspective, since it can receive secondary compensation for the 21.8 trillion won in special loans, it can aim to grow loans and improve asset soundness while protecting NIM (Net Interest Margin).” predicted.
He predicted, “Whether the Ministry of Land, Infrastructure and Transport passes the budget bill in the National Assembly is a variable, but it is highly likely to be implemented in that it can respond to the housing instability that has recently worsened due to the low birth rate and the housing crisis.”
Accordingly, he maintained ‘overweight’ as an investment opinion on the banking industry and presented KB Financial [105560] as the top-pick in the industry.
He said KB Financial Group said, “Based on differentiated capital ratio and risk management capabilities, investment points will become more visible in 2024.”
engine@yna.co.kr
Report via KakaoTalk okjebo
2023/11/24 08:29 Sent
(C) Yonhapnews [CEO] Seong Ki-hong
