[뉴스웍스=허운연 기자] Deposits banks’ new deposit rates and loan rates both rose last month.
According to the’Weighted Average Interest Rate for Financial Institutions in November 2020′ released by the Bank of Korea on the 30th, the savings-related interest rate based on the amount of new treatment in November was 0.90% per year, up 0.02 percentage points from the previous month.
Of the newly handled savings-type interest rates, the net savings-type deposit rate rose by 0.89% and the market-type financial product rate rose by 0.02% and 0.03%, respectively, to 0.95%.
The interest rate for loans based on the amount of new treatment increased by 0.05 percentage points to 2.71% per year. The difference between the loan interest rate based on the amount of new treatment and the savings-related interest rate increased by 0.03 percentage points to 1.81 percentage points.
Among the loan interest rates in November, the interest rate on corporate loans rose 0.04 percentage points to 2.72%. The interest rate on loans to large corporations remained at the level of the previous month at 2.49%, but the interest rate on loans to SMEs rose by 0.05 percentage points to 2.86%.
Household loan interest rates rose by 0.08 percentage points to 2.72%. Household loan interest rates rose three months in a row, and the increase was the largest since September last year (0.10 percentage points). Among household loan interest rates, the interest rate on mortgage loans rose 0.09 percentage points to 2.56%.
Meanwhile, the total received interest rate based on the balance at the end of November was 0.79% per year, down 0.03 percentage points from the previous month. The total loan interest rate based on the balance fell 0.02 percentage points to 2.81% per year. Accordingly, the difference between the total loan interest rate and the total receiving interest rate based on the balance increased by 0.01% point to 2.02% point.