Woofun AI reports that South Korea's five largest commercial banks have utilized over 85% of their annual household loan growth quota in the first half of the year, with two institutions surpassing their full-year limits. This rapid consumption leaves minimal lending capacity for the second half under strict regulatory total quantity controls.

The surge is driven by persistent demand for housing mortgages and credit loans for direct stock market entry, despite earlier tightening measures. Consequently, investors relying on credit for leveraged stock participation face significantly narrowed external financing channels, raising concerns of a credit cliff.