Core Viewpoint - The four major banks in South Korea have increased household loans by 7.8 trillion KRW this year, exceeding their annual loan growth target by 32.7% [1] Group 1: Household Loan Growth - As of November 20, the total household loan increase from KB Kookmin, Shinhan, Hana, and Woori banks reached 7.8 trillion KRW [1] - This growth surpasses the banks' initial loan increment target set at the beginning of the year [1] Group 2: Loan Restrictions and Market Impact - Banks are currently restricting housing-related loans as part of their planned measures [1] - If housing prices in the capital region do not decline as expected, banks may find it difficult to ease loan requirements even when setting new targets for household loans next year [1] - Despite the restrictions, household loan volumes are expected to increase compared to the previous month [1] Group 3: Shift in Loan Types - Due to various real estate and household loan suppression policies, there has been a significant rise in credit loans used for paying housing deposits [1] - A considerable amount of funds is also flowing into domestic and international stock markets for investment purposes [1]