[이코노믹리뷰=진종식 기자] Cofix (COFIX, financing cost index) based on new treatment amount and new balance as of January, which is the standard for the variable interest rate for mortgage loans, fell from the previous month.
According to the Federation of Banks of Korea on the 15th, Cofix based on the amount of new treatment as of January was 0.86%, down 0.04% points from the previous month. It said that it fell by %p and 0.03%p.
Accordingly, it is expected that the repayment burden of the users of the variable variable mortgage loan will be slightly lighter.
COPIX is a weighted average interest rate of funds raised by 8 commercial banks including Korean nationals, companies, Nonghyup, Woori, Shinhan, Hana, SC Cheil, and Citibank Korea. When interest rates rise or fall, they reflect this and fall.
New handling amount-based co-fixes and balance-based co-fixes include periodic deposits, periodic deposits, mutual installments, housing installments, transferable deposit certificates, repurchase conditional bond sales, cover note sales, and financial bonds (excluding subordinated bonds and convertible bonds).
Co-fix based on the new balance is calculated by additionally including other deposits, other borrowings, and settlement funds in the above-described products subject to Co-fix.
Balance-based co-fixes and new balance-based co-fixes generally reflect fluctuations in market interest rates, but the new treatment-based co-fixes are calculated for newly raised funds during the month. There is this.
An official from the Federation of Banks said, “If you want to receive a cofix-linked loan, you need to carefully select a loan product after understanding the characteristics of Cofix.”