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Local commercial lenders raced to offer more private mortgages and loans to smaller businesses in the first quarter this year as they move to increase their asset base, but struggle with limited tools that will allow them to meet their targets.
As banks competed to offer more loans, the mortgage interest rate dipped despite the certificate of deposit moving in the opposite direction.
House mortgage loans increased most dramatically in the months of March, April and May, posting gains of 1.2 trillion, 3.2 trillion won, and 3.1 trillion won. As of June 21, the amount-volume of mortgages had jumped by over 2 trillion won.
This compares with an average of 1.2 trillion won to 1.6 trillion won monthly increase in the mortgage-pool in the second half of last year. The nation's house mortgage loan balance now stands at 200.59 trillion won, up 10.6 trillion won from the end of last year.
The central government was reportedly surprised by the recent figures since it had expected the loan market to shrink following the implementation of new anti-speculation measures that made getting a mortgage harder and more costly.
"Local banks acted in quite the opposite direction to the government policies, primarily due to a lack of sources to generate revenues," Cho Young-moo, a researcher at LG Economic Research Institute said.
Banks' lending to small and mid-sized companies also went up significantly in the first quarter, with the loans balance standing at 265.2 trillion won as of late May, up 18.6 trillion won from year end, 2005.
However, loans made to conglomerates and their affiliates dipped by 10 trillion won over the same period. Experts say bigger firms have been experiencing less need for borrowed money as they have ample cash reserves.
However smaller companies have been facing an increasing needs for cash, and local banks have stepped in to help them as part of their own overall strategy.
"Earlier this year, banks were actively and readily lending money to households and smaller businesses. They were looking for a new source of revenue generation," a local industry insider said.
From the second half of last year, banks have also been raising interest rates for their saving products almost uniformly, with special depository accounts offering 5 percent-plus interest rates posting nearly 10.5 percent growth in late April, this year.
This is nearly double from the 6.0 percent recorded at the end of last year.
Time deposit interest rate likewise posted a jump of 0.27 percentage points to 4.33 percent over the same period. Interest rates for loans on the other hand pretty much remained stagnant, posting a 0.04 percentage point increase from January to April, from 5.79 percent to 5.83 percent.
As banks compete to attract more borrowers, CD rates and mortgage interest rates moved in opposite directions. The CD rate inched up by 0.28 percentage points to 4.33 percent in April from January's 4.15 percent. Interest rates for house mortgage loans on the other hand inched down by 0.22 percentage point to 5.42 percent in April from 5.64 percent in January.
"Banks are fiercely competing to issue more loans, bringing down the loan interest rates; however, it should not drop below the inflection point where it moves against the key interest rate," a bank official said.
(jpark731@heraldm.com)
By Park Jung-youn
2006.06.28
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