Loans from the five major commercial banks have significantly exceeded their first-half targets this year, leading to a serious "debt binge" phenomenon. Banks are therefore taking measures to reduce housing collateral loans. In particular, NH Bank's housing collateral loans are showing an increase far exceeding its annual target, raising concerns about management. The banking sector's move to curb housing collateral loans is amplifying demands from real demanders for regulatory easing, but financial authorities have stated that they will maintain the current household debt management stance. However, the possibility of limited easing for some real demanders, such as young people, remains open.
