Mr. Kang, in his 30s, who is planning to buy a new home in Gangdong-gu, Seoul, is spending his days anxious due to the recent news of banks reducing their loan limits. Mr. Kang, who completed the application for a land transaction permit, expressed, “I was planning to make the most of the loan by buying a house for around 1.5 billion won, but I am worried that my financial plan may go awry due to the sudden action.” As KB Kookmin Bank reduced the home mortgage loan limit from 600 million won to 300 million won, the anxiety of actual consumers preparing to buy their own home is increasing. As the banking sector as a whole raises the lending threshold under the pretext of managing household debt, there are predictions that purchasing power may decline, especially in the mid- to low-priced apartment market, which is highly dependent on loans. According to the financial sector on the 11th, KB Kookmin Bank has limited the mortgage loan limit to a maximum of 300 million won in all regions of the country since the 10th. Under the existing government regulatory system, loans of up to KRW 600 million were possible for purchases of homes valued at less than KRW 1.5 billion in the metropolitan area, up to KRW 400 million for purchases between KRW 1.5 and KRW 2.5 billion, and up to KRW 200 million for purchases exceeding KRW 2.5 billion. However, with this measure, KB Kookmin Bank