[South Korea's Five Major Banks Have Used 85% of Annual Household Loan Quota, Stock Market Leverage Funds Face Supply Cutoff] BlockBeats News, July 13: According to a report from South Korean media on July 12, South Korea's five major commercial banks have consumed more than 85% of their annual household loan growth quota in the first half of this year, with two banks even exceeding their annual limits. Against the backdrop of strict total volume control targets set by regulators, banks have almost no room for new lending in the second half of the year. As a result, the market predicts a 'cliff' in credit availability will materialize in the second half, and stock market leverage funds relying on loans may face significant contraction pressure. The report highlights two major drivers of rapid loan growth: the persistently high demand for housing mortgage loans and credit loans used directly for stock market investments. Even though banks tightened their lending pace at the beginning of the year, neither type of demand has shown significant decline, ultimately leading to a continuous rise in loan balances during the first half. For investors relying on credit to leverage their participation in the stock market, external financing channels available in the second half are facing substantial narrowing.