Woofun AI data shows that the combined household loan balance of South Korea's five major commercial banks reached 647.58 trillion won by the end of June, reflecting a 3.70 trillion won increase from the previous year. Regulatory authorities established a 1.5% annual growth cap to restrain debt expansion, setting a total new loan ceiling of approximately 4.34 trillion won for these institutions. The first-half increase already accounts for 85.3% of this annual limit, leaving only 639.5 billion won available for the remaining six months.