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<앵커>친절한 경제, 권애리 기자 나와 있습니다. 권 기자, 전세금 돌려주려는 집주인들에게 한시적으로 대출을 확대해 주기로 했다는 소식 더 알아보죠. 구체적으로 대출 가능한 돈이 얼마나 더 늘어나는 겁니까?<기자>연 소득 4천만 원인 다주택자를 예로 들어보겠습니다. 이자는 4%고 대출 만기는 30년으로 잡았습니다.지금까지의 대출 규제대로라면 이 사람이 가지고 있을 수 있는 대출금은 최대 2억 8천만 원입니다.이게 4억 2천만 원으로 늘어납니다. 최대 1억 4천만 원의 대출금을 추가로 낼 수가 있는 겁니다.연소득이 1억 원이다 그러면 같은 조건에서 지금은 최대 7억 원까지 대출금이 있을 수 있지만, 세입자에게 전세금을 돌려주기 위한 대출이라는 경우에 한해서 3억 5천만 원을 추가 대출받을 수 있습니다.지금은 극히 일부 경우를 제외하고 가계 대출에 대해서 DSR 40%를 적용하고 있죠.대출자의 주택담보대출뿐만 아니라 모든 종류의 대출에 대해서 원금과 이자를 더한 연간 원리금 상환액이 연소득의 40%를 넘을 수 없었습니다. 이걸 DTI 60%로 확대시켜 준 겁니다.주택담보대출에 대해서는 똑같이 연간 원리금 상환액을 계산하지만 다른 대출들에 대해서는 이자 상환액만 포함시켜서 연소득의 60%를 넘지 않으면 됩니다.기타 대출들, 신용 대출들 같은 것에 원금은 따지지 않는 거죠. 기준이 훨씬 완화되는 거니까 받을 수 있는 대출금이 크게 늘어날 수 있습니다.<앵커>역전세 현상 때문에 집주인들한테 전세금 못 받는 분들 많을까 걱정되는 건 물론인데, 그런데 이제 가계대출 늘어나는 것을 최대한 막겠다는 기존의 정책 기조와는 좀 다른 것 아닙니까? <기자>그렇죠. 그래서 몇 가지 제안이 있습니다. 이번에 규제가 완화되는 만큼 늘어나는 대출금은 집주인의 계좌를 거치지 않습니다.집주인은 신청만 할 뿐 은행에서 세입자의 계좌로 바로 입금해 주는 식이 됩니다.방금 보여드렸던 연소득 4천만 원 다주택자의 예를 다시 보겠습니다.이 사람이 추가로 받을 수 있는 최대 대출금은 1억 4천만 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