대출금보다 집값 더 떨어지면 남는 빚 면제
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작성자 짱알이 작성일14-07-15 16:11 조회25,631회 댓글128건관련링크
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14일 금융권에 따르면 기업은행 등은 비소구 대출 도입과 관련한 검토에 돌입했다. 특히 올해 4분기 은행권이 은행연합회에 공동으로 이 상품을 도입하자고 건의하는 방안도 제시되고 있다. 금융위원회는 지난 6월 일부 은행에 이 상품을 적극 검토해 보라는 뜻을 전달했고 지난주 규제 완화 방안에도 이 과제를 포함시켰다.
비소구 주택담보대출은 차입자가 담보로 제공한 주택만 채무상환용으로 제공하는 상품을 말한다.
현행 주택담보상품은 부실이 발생했을 때 은행이 주택을 경매 등으로 처분해 채권을 회수하게 되는데 회수금액이 채권액(대출금)에 모자랄 때 채무자가 보유한 다른 재산을 찾아내 가압류를 설정하는 등 추가적 채권 추심을 하게 된다. 특히 이런 사례는 집값이 하락해 경매낙찰가가 떨어질 때 많이 발생하는데, 저소득층ㆍ노인층은 집을 날린 데 이어 다른 재산까지도 가압류당함에 따라 생활고를 호소하기도 한다.
비소구 주택담보대출은 이런 부작용을 줄일 수 있는 게 특징이다. 은행이 담보로 잡은 주택만으로 채권을 다 회수할 수 없더라도 채무자에 대해 추가로 채권 추심을 하지 않기 때문이다. 한마디로 경매낙찰가 이상인 채무액에 대해서는 면책권을 주는 형식인 셈이다.
이 상품은 공익성 특징이 있는 만큼 기업은행을 비롯한 국책은행에서 우선 도입할 것으로 보인다. 특히 일정 소득 이하인 저소득층ㆍ노년층 등을 대상으로 도입될 것으로 예상된다. 대출금액도 일정 금액 이하로 한정될 예정이다.
이 상품을 도입하면 저소득층 생활 안정에 효과를 낼 것으로 보인다. 담보로 잡힌 주택 외에는 책임을 지지 않아도 되고 집값이 하락했을 때 은행이 추가로 담보를 잡으려는 것도 방지할 수 있기 때문이다. 일반 주택담보대출은 집값 하락 리스크를 채무자에게만 부담시켜왔는데, 비소구 상품은 이 위험을 은행에도 부과하는 특징이 있다. 집값이 하락하면 채권을 다 회수하지 못할 가능성이 커지고 이에 따라 `묻지마식` 대출 관행이 줄어들 수 있다.
은행권 대출사업에 `상품 다양화` 등 영향도 미칠 수 있다. 예를 들어 비소구 상품은 일반 상품보다 위험도가 높은 만큼 금리를 약간 높이고 이를 소비자에게 선택하도록 하는 방안도 가능할 것으로 은행권에서는 분석한다.
하지만 이 상품 실효성에 대한 비판도 나온다.
주택담보인정비율(LTV)이 50%(서울)와 60%(지방)로 제한돼 있는 상황에서 경매낙찰가가 대출액 이하로 떨어질 가능성이 크지 않다는 것이다. 따라서 집값이 급락할 때 등 제한적인 사례에서만 비소구 주택담보대출 효과가 나타날 수 있다는 분석이 많다. 은행권 관계자는 "비소구 상품은 차입자의 도덕적 해이나 금융회사 손실이 커지는 문제도 나올 수 있다"며 "담보주택 이상인 금액에 대해 채무를 면제하는 방안을 위해서는 이사회를 통해 관련 규정을 바꾸는 등 절차상 문제도 적지 않다"고 설명했다.
■ <용어 설명>
▷ 비소구(非遡求) 주택담보대출 : 은행이 고객의 대출 연체 등으로 채권 회수에 들어갔을 때 담보주택 경매낙찰가 등이 대출금에 못 미치더라도 나머지 금액에 대해 재산 가압류 등 추가적인 채권 추심을 하지 않는 상품.
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