Regulatory Alerts2025-08-13 | 85095Household Loans, July 2025
South Korean financial authorities reported that household loans grew by only KRW2.2 trillion in July 2025, marking the slowest expansion since March due to stricter debt management measures and new debt service ratio rules. Mortgage lending growth decelerated across both banking and nonbanking sectors, while other loan types contracted as credit loans reversed their recent upward trend. Regulators intend to closely monitor housing market trends and maintain strict oversight to prevent overheating, while ensuring funding remains available for lower-income households and non-speculative buyers.
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