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According to the "household debt management plan" announced by the Financial Services Commission on the 29th, it will be more difficult to buy so-called "trivial" homes by actively utilizing mortgage loans and credit loans like A from July. The Financial Services Commission said it will fully implement the DSR (Total Debt Repayment Ratio) regulation by lender in July 2023, and expand the target in three stages. DSR is the amount of principal and interest payments on all household loans divided by annual income.사설토토
ReplyDeleteIt includes all financial loan principal and interest burdens, including credit and card loans, as well as mortgage loans. Currently, DSR cannot exceed 40% (60% of non-banking areas) when new mortgage loans with a market value of more than 900 million won and borrowers with an annual income of more than 80 million won receive credit loans of more than 100 million won.먹튀신고
ReplyDeleteStarting in July, however, the DSR 40% regulation will be applied to borrowers when they receive new mortgage loans with homes exceeding 600 million won or credit loans exceeding 100 million won regardless of annual income. In the case of A, the limit will be drastically reduced when mortgage loans are executed to purchase homes after July. The annual repayment of mortgage, credit loans, and interest borrowed by A to purchase a house is about 25 million won. If this is divided into A's annual income, the DSR will be calculated at 42.6 percent, exceeding the regulatory ratio. In order to meet the DSR 40% regulation rate, assuming that credit loans are maintained, the limit on the main loan will be reduced by nearly 100 million won. However, an official from the Financial Services Commission said, "It is equivalent to multiple homeowners who actually reduce loans by leaving supplementary measures open to increase income when reflecting future income of young people and others."바카라사이트
ReplyDelete[Reporter Ji Yeon-jin of Asian Economy] Securities firms are delayed in drawing lots amid a series of "empty-handed" investors in SKIET's public offering, which broke the record for the largest amount of evidence ever.먹튀신고
ReplyDeleteAccording to the securities industry on the 30th, securities firms failed to start drawing until the morning of the day as Mirae Asset, the representative organizer of SKIET, failed to finalize the allocation method of unsubscribed supplies from SKIET's Korean stockholders' association. An official from a securities firm said, "Since it has not yet been decided how to allocate the amount of our company's shares, all securities firms could get the results of the draw later this afternoon." "We are likely to draw after the stock market ends today," a Mirae Asset official said. "It may be difficult to come out within today."
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At SKIET's subscription, which closed the previous day, KRW 80.01 trillion of evidence was collected. He broke the record of SK Bioscience (63 trillion won), the highest ever. The competition ratio was 288.2 to 1. This is the result of individual investors applying for the subscription through various accounts, given that it is the last public offering that allows duplicate subscription of the same distribution method introduced this year.먹튀검증업체
ReplyDeleteAs the number of subscription accounts exceeds the equal allocation allocated to each securities firm, securities firms must allocate shares through a lottery for all subscribers. A total of 4,744,557 people participated in the subscription, far exceeding the total amount of equal distribution (2,673,750 shares). For this reason, Mirae Asset is expected to receive one in 10 and Korea Investment & Securities Co. is expected to receive four out of 10 in less than a week. Only one out of eight Samsung Securities and one out of 10 NH Investments can earn one share in equal distribution. Only SK Securities subscribers can receive SK Securities for more than a week.
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Among empty-handed investors who do not receive a week's subscription, if they received the subscription through a branch, they would have lost 5,000 won. Mirae Asset, NH Investment & Securities and Samsung Securities have a branch subscription fee of 5,000 won. Subscription fees using the online trade system are free.
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Starting in July, it will be more difficult for people with more debt than income to get loans from banks. Specifically, those who want to buy a house with a market value of more than 600 million won in most parts of Seoul will not be able to get loans with a DSR of more than 40% of their annual income. For example, a person with an annual salary of 80 million won must have a total loan principal of 32 million won. From July 2023, the 40% regulation on the proportion of loan principal to income will be fully enforced if the total loan amount exceeds 100 million won regardless of income or housing prices.해외축구중계
ReplyDeleteOn the 29th, the financial authorities announced a plan to manage household debt, which calls for gradually expanding the "DSR 40%" rule, which was applied to each financial company, to each borrower from July, and to fully introduce it in July 2023. DSR is the annual principal and interest repayment of all loans held by borrowers, such as mortgage loans and credit loans, divided by annual income. Previously, financial firms had applied DSR differently for different individuals.먹튀신고
ReplyDeleteThe government will first expand the DSR regulation, which was applied only to homes exceeding 900 million won in existing speculative and overheated speculation zones, to homes exceeding 600 million won in all regulated areas (speculation, overheated speculation, and adjustment areas) starting in July. In this case, as of February this year, about 83.5% of apartments in Seoul will be subject to DSR for each borrower.
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Starting in July next year, DSR will be applied if the total amount of loans exceeds 200 million won regardless of the type of loans. Finally, from July 2023, DSR will be applied if the total amount of loans exceeds 100 million. An official from the Financial Services Commission said, "The number of people who received household loans exceeding 100 million won is 28.8 percent of the total, and 76.5 percent of the total household loans by amount." In terms of credit loans alone, the DSR 40% rule was applied if the current annual credit loan amount exceeding 80 million won exceeds 100 million won, but from July, it will apply if the loan amount exceeds 100 million won regardless of income.
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It will be applied if the total loan amount exceeds 200 million won and the total loan amount exceeds 100 million won from July 2023, regardless of the type of loan from July next year. Strengthening lending regulations by financial authorities is a measure to manage household debt growth, which has recently increased. The government plans to lower the growth rate of household debt to 5-6 percent this year and to 4 percent next year, the level before the Covid-19 outbreak. Financial authorities also decided to introduce mortgage ratio (LTV) and DSR regulations on non-residential mortgage loans such as land and officetels. This is a follow-up to the Korea Land and Housing Corporation (LH) land speculation scandal.해외축구중계
ReplyDeleteFord CEO Jim Farley said in a recent conference call, "It's time for us to secure the latest technology and have a stable battery cell production relationship."
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Reuters predicted that Ford would take a similar route to General Motors (GM), the No. 1 U.S. automaker, under the agreement.
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After making joint ventures by choosing LG Energy Solution as its partner, GM is building battery factories in Ohio and Tennessee. 먹튀검증
ReplyDeleteSK Innovation is currently building additional second plant. The second plant is planning to start producing batteries starting from 2023. 검증업체
ReplyDeletePresident Joe Biden called for government subsidies to new battery production facilities during his visit to Ford's electric vehicle plant in Michigan on the 18th, the previous day. 스포츠중계
ReplyDeleteReuters reported that President Biden also mentioned the role of the U.S. administration in mediating the agreement between SK Innovation and LG Energy Solutions. 토토사이트
ReplyDeleteHwang Se-woon, a senior researcher at the Korea Capital Market Institute, said, "The expansion of investment assets is an essential asset management direction in the era of low interest rates and aging. The government needs active tax support to help household assets flow into the capital market for a long time." 사설토토
ReplyDeleteIn the meantime, he proposed to completely reorganize the type of ISA into a "general ISA" focused on safe assets and an "investment-type ISA" dedicated to capital market investment, depending on the purpose of joining like the British model. In addition, it also proposed a plan to exempt all profits from investment-type ISA.
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Park Young-seok, a professor at Seoul National University, said in a panel discussion presided over by Park Young-seok, "The introduction of the financial investment income tax system in 2023 could make ISA products nominal in tax exemptions."
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"In this situation, the number of newly introduced ISA subscribers reached 580,000 in three months, raising public interest in investment products," said Kim Sung-bong, head of Samsung Securities' product support department. "In this situation, household funds focused on real estate and deposits should be moved to the capital market."
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An official from the financial authorities said, "We agree with the possibility of a drop in ISA's investment inducement when taxation on financial investment income, and we are considering improving the system in a way that can enhance the ISA's ability to form national assets."
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The SEC refuted that the article was a review because it dealt with the company's financial status, saying it was "very concerning Tesla's repeated decision that it was not a violation of the agreement." 사설토토
ReplyDelete"The authorities are trying to harass Tesla and silence Musk," Tesla said. Musk even mocked SEC in July last year, saying, "Is E among SEC's members Elon (Musk)."
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"The two sides seem to be continuing the stalemate," the WSJ said. "Mersk has avoided various regulations, and the National Transportation Safety Commission, other than the SEC. 먹튀검증
ReplyDelete"We have been in conflict with regulators such as the Federal Aviation Administration. Musk has recently been under intense criticism from investors for shaking the market with virtual currency-related tweets.
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It was belatedly revealed that Tesla CEO Elon Musk had been criticized twice by securities regulators for breaking his promise to undergo inspection by the company before posting on social media.
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The Wall Street Journal (WSJ) reported on the 1st (local time) that it obtained a letter from the U.S. Securities and Exchange Commission (SEC) to Tesla as an information disclosure claim.
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