대환대출 온라인 플랫폼It would be very convenient if you could compare at a glance how the interest rates on mortgage loans differ by financial company and switch between them. As the government expands the online one-stop refinancing loan platform, it seems that it will be possible within this year at the earliest.
The refinancing loan infrastructure is an online loan transfer system of banks, savings bank cards, capital companies, etc., where consumers can compare credit loans and transfer easily. The system is expected to be operational in May. The government is reviewing a plan to expand the target of refinancing loan infrastructure to housing mortgage loans in addition to credit loans. Housing mortgage loans accounted for KRW 798.8 trillion, or 76% of the bank’s household loan balance as of January. The financial authorities plan to consult with the financial sector to enable online platform subsidized loans by the end of this year.
Transcription: Kim Eun-hye / Public Relations Chief of the Presidential Office
“A total of 53 financial companies and 23 loan comparison platforms will participate in the refinancing loan platform. It is expected that not only banks but also competition between platforms will bring down loan interest as well as platform fees.”
Along with this, the Financial Services Commission is strengthening the operating standards for online loan comparison platforms. In the case of online lending platforms, there is a possibility of infringing on consumers’ interests, such as operators arranging products with high brokerage fees first. In response, the government is requiring online loan recruitment companies such as fintech to install software to prevent this and then operate the platform. Here, it was decided to make it mandatory to prevent conflicts of interest for general financial companies. The government plans to revise the Supervisory Regulations to regulate measures to prevent conflicts of interest in general financial companies.
*See related press release details
https://blog.naver.com/blogfsc/223039253720
