Shinhan Bank is reserving a special 500 billion won ($360 million) mortgage quota for borrowers aged 39 or younger, prioritizing young owner-occupiers who must make final home-purchase payments between Nov. 6 and Nov. 18. The bank will release 250 billion won from the 18th and another 250 billion won from Oct. 2. The allocation follows an Aug. 13 government decision to raise the financial sector's household loan growth target to about 3% from 1.5%, increasing the combined annual target for the five largest banks by roughly 2.78 trillion won to about 7.11 trillion won. Shinhan had previously exhausted its broker-channel mortgage quota after reopening applications on the 1st, and banks continue to limit lending as mortgage demand remains strong.