◀ anchor ▶
This time, the Bank of Korea raised the key interest rate by 0.5%p.
Right now, the debt problem of people in their 20s and 30s is a big deal.
There are many young people who are struggling with their living by buying a house out of debt or investing in coins.
Correspondent Hong Shin-young.
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This young man borrowed 30 million won from a bank in February of this year and bought all the coins.
It was cut in half in two days, and a third in a week after.
[20대 코인 투자자]
“It seems to be the real bottom, so I’ll have to make a little profit here and get rid of it completely. It was really the last thing I thought of…”
I quit my job due to stress.
Friends who have invested together say that they are blocking their return to pay off interest.
[20대 코인 투자자]
“Go to the 2nd and 3rd financial institutions, borrow 8 million won or 10 million won more, and use it for living expenses in a hurry…”
A quarter of Korea’s household debt is that of the 2030 generation.
When I looked at what I did with the debt, I mainly used it to buy a house or to use it as a deposit.
Loans accounted for 20 percentage points higher than other households in housing purchase funds.
Risky investments like coins also increased debt.
I borrowed a lot from 2 financial institutions with high interest rates due to low creditworthiness.
Loans from two financial institutions in their 20s increased by 17% in one year.
The government has come up with measures such as cutting the contracted interest to the youth by up to half.
To the criticism of whether it is right to help the loss of investment by borrowing money, he answered as follows.
[김주현/금융위원장]
“I think the cost that our society will have to bear in the future will be much greater if we do not preemptively provide an opportunity to recover quickly.”
Young people who are in debt from the beginning of their social life.
If left unattended, it can become a serious problem.
This is Shin-Young Hong from MBC News.
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