Woofun AI data shows that South Korea's five major commercial banks exhausted 85.3% of their annual new household loan quota by the end of June. The household loan balance reached 647.57 trillion won, an increase of 3.7 trillion won year-over-year, with two banks exceeding annual limits ahead of schedule.

To adhere to regulatory caps, institutions are tightening credit standards, such as KB Kookmin Bank reducing maximum housing loans from 600 million won to 300 million won. Despite these measures, balances rose over 1 trillion won in early July, signaling stricter lending conditions for the second half.