[강원도민일보 김호석 기자]Household debt in Gangwon-do exceeded 22 trillion won due to the aftermath of Corona 19 last year and the stock investment craze, and the interest rate on banks’ household loans is gradually rising, and the burden of loan interest is expected to increase even faster, according to the Bank of Korea’s Gangwon Headquarters on the 14th. As of the end of December, the cumulative amount of household loans in the Gangwon region amounted to KRW 10,595.5 billion for deposit banks and KRW 11,785.5 billion for non-bank deposit handling institutions, reaching 22,381.0 billion KRW. This is 95.5 billion KRW (4.2 billion won) compared to the cumulative amount at the end of the previous year (21,475.5 billion KRW). Percentage), which is an increase of 205.9 billion won (2.3%) and 69.5 billion won (5.5%) compared to the same month last year, with housing mortgage loans of 8,9804 billion won and other household loans such as credit loans of 13.04 trillion won, respectively. did.
As household loans in the province have soared since Corona 19, four major commercial banks, including KB Kookmin, Shinhan, Hana, and Woori, are currently promoting interest rate hikes, which is a concern that the burden of interest on household loans will increase. The credit loan interest rate (1st grade, 1 year) was 2.61-3.68% per year, up 0.62%p from the end of July last year (1.99-3.51%) when the ‘1% level’ credit loan interest rate appeared. 2.34~3.95%), the lowest interest rate rose 0.18%p in just two weeks.
In particular, the interest rate for mortgage loans has recently increased sharply. Shinhan Bank increased both the mortgage interest rate and the jeonse loan interest rate by 0.2%p from the 5th, and NH Nonghyup Bank also increased the preferential interest rate for household mortgage loans from the 8th. In addition, Woori Bank is also considering raising interest rates for mortgage loans and jeonse loans.
It is analyzed that the rise in the interest rate of banks’ household loans was influenced by an increase in the cost of financing by banks, such as an increase in the rate of bank bonds, and a cut in the preferential rate of banks due to restrictions on tightening loans by financial authorities. As of February, the balance of household loans at banks nationwide was totaled at 101.3 trillion won, exceeding 1,000 trillion won for the first time.
According to the data submitted by the Bank of Korea to Rep. Doo-Hyun Yoon, the power of the people of the National Assembly’s Political Affairs Committee, when the interest rate on personal loans (home mortgage loans, credit loans, etc.) rises 1%p, the interest on household loans rises by a total of KRW 1.18 trillion. An official said, “In the case of the additional interest rate, the preferential interest rate has been reduced due to the strengthening of government regulations to curb credit loans, and it has increased overall. Hoseok Kim