A guide to a loan at a bank in downtown Seoul▶ Click here for a larger view
Bank household loans, which had been lagging behind since the end of last year, failed to rebound in April due to rising interest rates.
Above all, it is analyzed that interest rates continue to rise and the real estate market is still waiting and waiting as the direction of the new government’s real estate policy is not yet clear.
◇ The 5 largest banks decreased by 995.4 billion won from the end of March
According to the financial industry on the 1st, the balance of household loans of KB, Shinhan, Hana, Woori, NH Nonghyup, and the five major banks as of last month was 702,198.3 billion won, down by 995.4 billion won compared to the end of March.
The household loans of the 5 largest banks decreased for four consecutive months from January (-1,363.4 billion won) to February (-1,752.2 billion won) and March (-2743.6 trillion won) to April. could not get out of
By loan type, mortgage loans fell 115.5 billion won from 50.66 trillion won to 50.66 trillion won.
However, among the mortgage loans, the loan for Jeonse funds increased by 264 billion won (131.33 trillion won → 131598.9 billion won).
Credit loans continued to decline, down 610.1 billion won from 1333996 trillion won to 1327,789.5 billion won.
Considering the trend of the top 5 banks, it is highly probable that the banking sector as a whole took a backward step for the fifth consecutive month from December last year to last month.
A commercial bank official said, “This is because interest rates continue to rise and real estate transactions are still not increasing significantly. same,” he explained.
In order to respond to this contraction in household loans, banks are lowering the loan threshold by not only lowering the loan interest rate, but also offering amortized home mortgage loans with a maturity of 40 years and credit loans with a maturity of 10 years.
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