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[이데일리 김보겸 기자] This year, the number of new debtors in 2030 is increasing rapidly. The average loan amount also increased by nearly 20% this year, showing the highest rate of increase among the age groups. Income is not increasing, but real estate prices are soaring, and it seems to be the result of a’debt investment’ frenzy of buying a house by using all possible means to buy a house by mobilizing all possible means and investing in stocks with debt. .
According to the Bank of Korea’s Household Debt Database (DB) on the 26th, the proportion of new borrowers (borrowers) in their 30s or younger to the third quarter of this year was 58.4%. About six out of ten new debts this year are in the 20s and 30s. This proportion has been increasing every year since 49.5% in 2017.
On the other hand, the proportion of new borrowers in their 40s was counted at 14.9% this year, down from 2017 (19.4%). Those in their 50s (16.9% → 13.8%) and those in their 60s (14.2% → 12.9%) also decreased.
The number of new borrowers accounted for 6.7% of total borrowers, which was less than last year (7.1%), but the amount of debt held by new borrowers was 3.7%, higher than last year (3.3%). This is because the average loan amount of new borrowers this year was 4,584 million won, an increase from last year (39.9 million won).
The debt of new borrowers in 2030 also increased. New borrowers in their 30s and under this year accounted for 55.3% of the total, up from last year (52.4%). The rest of the age groups decreased at once.
The debt growth rate of new borrowers in their 30s and under surpassed all other age groups. In the third quarter of this year, their average debt holding amount was 43.5 million won, which was less than that of other age groups. But last year, the average debt of new borrowers in their 30s or younger (36.32 million won) increased by nearly 20%. This is higher than those in their 40s (53.93 million won, an increase of 16.9%), their 50s (46.77 million won, an increase of 14.4%), and over 60 (4.61 million won, an increase of 12.9%).
The BOK analyzed that the rate of increase in debt among young people in 2030 has risen sharply.