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홍차넷
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Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/zero_header.php on line 269
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/zero_header.php on line 300
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뉴스
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- 새로운 뉴스를 올려주세요.
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전체기타정치IT/컴퓨터방송/연예스포츠경제문화/예술사회게임의료/건강과학/기술국제외신
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| Date |
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 53 22/12/29 09:14:41 Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 56 수정됨 |
| Name | cummings |
| Subject | 고정금리대출 강제 금리인상<철회>& 제2금융권 대출중단 |
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================본문 추가============== <"부득이하게 고정금리 인상"…신협 '황당 공문' 보냈다가 [철회]> https://n.news.naver.com/mnews/article/001/0013669880 신협중앙회와 금융감독원은 이러한 조합의 결정 소식을 뒤늦게 전해 듣고 청주 상당신용협동조합에 철회를 지도했다. 신협중앙회는 "오늘 중으로 사과문을 게시해 시정할 예정이고, 같은 일이 다시 발생하지 않도록 전체 조합에 공문 지도할 예정"이라고 말했다. 금감원도 상호금융권을 비롯한 전 금융권에 유사 사례가 발생하지 않도록 지도할 방침이다. ==================================== <고정금리였는데 강제 금리인상…“설마가 현실로”> https://n.news.naver.com/article/009/0005067029?cds=news_edit 은행 “금융환경 변화로 금리인상” ‘영끌족’들 패닉…“이럴거면 고정 왜하나” 은행여신약관 “국가경제․금융사정의 급격한 변동으로 금리 변경 가능” 급격한 금리 인상으로 주택담보대출, 전세자금대출 등 대출을 이용하는 서민들의 시름이 깊어지고 있습니다. 이 와중에 ‘고정금리’를 선택한 사람들은 “그나마 버틸수 있다”는 상황인데, 일부 은행이 고정금리도 변동금리로 바꿀수 있다며 강제로 금리를 인상해 파장이 일고 있습니다. 과거에도 은행이 고정금리를 강제로 인상한적이 있습니다. 1997년 동양카드가 연 15% 고정금리로 대출을 해줬다가 IMF(국제통화기금) 위기가 닥쳐 자금사정이 악화되자 금리를 24%로 강제로 올렸습니다. 이때 이용자들이 부당한 조치라면 법원에 소를 제기했지만 2001년 대법원에서는 동양카드의 손을 들어줬습니다. 대법원은 대출 당시 금융회사와 소비자들이 이자를 ‘고정금리’로 하기로 약정했다고 하더라도 회사의 금리변경권을 배제하거나 ‘확정금리성’을 인정할 만한 약정이 없었다면 회사가 금리변경을 할 수 있다고 했습니다. 문제는 청주 상당신협이 금리인상 근거로 삼은 여신약관은 전은행권이 공통으로 사용하는 것입니다. 자금사정이 악화된 다른 은행도 이 조항을 근거로 금리를 인상할 수 있습니다. 대출없이 집을 사거나 전세를 사는 경우가 거의 없는데, 그렇다면 실수요자는 어떻게 해야할까요? 은행이 고정금리 계약조건을 갑자기 바꿔버린것이기에 채무자도 계약을 해지할 수 있습니다. 이번에 고정금리를 변동하겠다고 통보한 은행도 “2월 금리 변경전 대출금을 상환하면 중도상환수수료가 없다”고 설명합니다. 한마디로 금리인상을 받아들이지 못하겠다면, 대출금을 갚고 계약을 해지할수 있다는 겁니다. <1위 캐피털도 대출 중단...서민층 자금줄 초비상> https://www.edaily.co.kr/news/read?newsId=01200486632563112&mediaCodeNo=257&OutLnkChk=Y 조달금리 급등에...급전 창구 2금융 신규대출 중단 금리 치솟는데 법정금리탓 역마진 저축은행·대부업체 이어 대출 빗장 <제2금융권마저 잇단 대출 중단…연말 서민 돈줄 말랐다> https://cm.asiae.co.kr/article/finance/2022122907592270408 저축은행·대부업, 외부 플랫폼서 ‘점검중’ 최고금리 인하·조달금리 인상 겹친 탓 ----------------------------------------------------------------------------------- 고정금리가 어떠한 경우에도 금리고정이라는 얘기는 아니기는 합니다만 생각보다 빨리 고정금리 인상카드를 꺼내네요. 그만큼 은행권에서 느끼는 체감경기가 나쁘다는 얘기인건지... 캐피탈 업계 1위 현대캐피탈 대출 중단 저축은행 업계 1위 SBI 저축은행 대출비교플랫폼 대출 중단(자체채널로만 운용) 대부업 업계 1위 러시앤캐시 신규 대출 중단 조달금리 상승 및 연체율 급등에 비해 대출총량 규제와 법정최고금리 제한으로 묶여있어 신용대출과 담보대출등도 제약이 걸리고있다고 합니다. Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 0 이 게시판에 등록된 cummings님의 최근 게시물
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255329 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
255329 class='vcm '>
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Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 71
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 76
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 117
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 118
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 119
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
255329'> 서포트벡터
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
22/12/29 09:18
255329>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
요즘 느끼는건 생각보다 한국 경제의 체력이 많이 쎄졌다는 느낌입니다.
예전같으면 이정도 상황이면 대기업 몇개 넘어가고도 남았지 싶어서요.
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
3
예전같으면 이정도 상황이면 대기업 몇개 넘어가고도 남았지 싶어서요.
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
3
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