South Korean banks are implementing stricter lending practices in response to a surge in borrowing for stock market investment. Driven by recent market gains, individuals have increasingly taken on debt to fund their investments, a practice known as “debt-tu” (빚투). Banks are reducing credit loan limits and restricting applications to curb this trend. The move aims to mitigate potential financial risks associated with highly leveraged investment. This tightening of credit comes as concerns grow over household debt levels and market volatility. Further measures may be implemented as banks continue to monitor the situation and assess the impact of the stock market on personal finances. The banks are prioritizing financial stability amid the investment boom.