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(Photo=KB Kookmin Bank) |
[Alpha Biz= Reporter Paul Lee] KB Kookmin Bank inflated the borrower's income or rent than it actually was and gave more loans.
KB Kookmin Bank announced on its website today (9th) that it has confirmed two 'professional malpractice' financial accidents through its own investigation.
Daegu Branch A found problems such as overestimating the loan applicant's income from a total of 11.13,800 billion won in household loans, including mortgage loans handled from the end of August 2020 to March 8 this year.
In the process of evaluating debt repayment ability, the higher there is collateral, the higher the income level, and excessive loans and breach of trust were made when certain employees applied income on an arbitrary basis for their performance.
In the case of Yongin B branch, it was found that the interest repayment ratio (RTI) of the rental business was calculated higher than it actually was when giving 27.26,509 billion won in mortgage loans to the owners of a Dongtan shopping district.
The RTI is the basis for determining the availability of a new loan applied by a private business operator for real estate rental, and the RTI must be 1.25 times for residential items and 1.5 times for non-residential items.
This means that the loan can be made only when the rental income from the real estate meets at least 1.25 times and 1.5 times the annual interest cost related to the rental loan.
However, branch B is known to have carried out excessive loans by neglecting or acquiescing differences in checking whether the rental income evidence documents are true.
KB Kookmin Bank reported this to the Financial Supervisory Service earlier this month, and the FSS is currently conducting an on-site inspection.
Alphabiz Reporter Kim SangJin(hoondork1977@alphabiz.co.kr)
