[Background for Promotion] 

- Institutional support is required to preemptively manage systemic risks caused by the concentration of financial sector capital in the real estate market and to induce the supply of funds to productive sectors.

-- Accordingly, the government announced at the "5th Productive Finance Great Transformation Meeting (April 16, 2026)" that it would raise the risk factor for mortgage loans in the insurance sector for certain LTV brackets (60-80%).

[Regulatory Details] 

- Raise the risk factor for certain LTV brackets of mortgage loans (60-80%, standalone) from 3.5% to 4.0%.