The balance of household loans at major domestic banks decreased by 2.74 trillion won in one month, marking the third straight month of decline. Mortgage loans escaped the decline with a slight increase, but credit loans declined for the fourth month in a row.
According to the banking industry on the 1st, the household loan balance of KB Kookmin, Shinhan, Hana, Woori and NH Nonghyup Banks stood at 703,193.7 billion won as of the end of last month, down by 2.743.6 trillion won from the previous month. This is the third consecutive month of decline since January of this year. The decrease was found to have expanded from 1.75 trillion won in the previous month.
The subsidy increased slightly and escaped the decline. As of the end of last month, the balance of the main loan was 506.717.4 billion won, an increase of 65 billion won from the previous month. An official from a commercial bank said, “It is difficult to see this as a meaningful increase.” “As interest rates are currently high and the real estate market is not as active as before, we will have to watch the future trend.”
Credit loans led the decline in household loans. Credit loans have continued to decline for four consecutive months since December last year. At the end of last month, the balance of credit loans stood at 13.39 trillion won, down by 2.45 trillion won from the previous month.
The decrease in credit loans increased from the previous month. The decrease in February was 1.1846 trillion won. An official from a commercial bank said, “As the purpose of credit loans is not clear compared to other loans, it is interpreted that the balance of new loans decreased during interest rate hikes or the repayment of existing loans increased as the balance decreased.”
Group lending, which decreased last month, turned to an increase again. As of the end of last month, it was 158.68 trillion won, an increase of 1.53 trillion won from the previous month.
Jeonse loans continued to increase from last month. The balance of the Jeonse loan stood at 13.33 trillion won, up 393.8 billion won from the previous month. However, the increase was not large. It increased by 1.42 trillion won in the previous month.
Commercial banks relaxed regulations on jeonse loans around the 25th of last month. ▲Lease deposit within 80% of the lease agreement is allowed according to the lease agreement ▲Jeonse loan can be applied for after the remaining payment date in the rental agreement ▲All the so-called “three types of regulations” applied since October last year have been eased by allowing non-face-to-face Jeonse fund loans for single-family home owners. .
Meanwhile, the total outstanding balance of the five major banks stood at 1787,539.6 billion won as of the end of last month, down 5.320.6 trillion won from the previous month.
As interest rates rise, it is interpreted as the effect that funds are required to repay existing loans. The balance of term deposits at the end of last month was 65,486.3 billion won, down 6.44 trillion won from the previous month.
The reverse money move also continued due to the preference for safe assets. The fixed deposit amounted to 35,153.6 billion won, up 354.4 billion won from the previous month. Demand deposits, which are low-cost deposits, also increased from the previous month.
[서울=뉴시스]
