Domestic loan interest rate further rises to US interest rate hikes ... 1500 trillion household debt 'shake'
It is expected that the lending rate will rise in domestic financial markets
by raising the base rate of the US.
In the situation where the variable interest type collateral rental loan
In the situation where the variable interest type collateral rental loan
(real estate secured loan) interest rate has already been overwhelmed by 5%
If the loan interest rate rises further
Weaknesses, concerns that lending unhealthy will occur mainly
If the loan interest rate rises further
Weaknesses, concerns that lending unhealthy will occur mainly
by borrowers will increase.
It is pointed out that the effective authority of financial authorities
It is pointed out that the effective authority of financial authorities
to manage household debt is necessary.
The United States Central Bank (Fed) opened the December
Federal Open Market Committee meeting (FOMC) on 19th (local time)
The reference interest rate was raised by 0.25 percentage points
The reference interest rate was raised by 0.25 percentage points
from 2.25 to 2.50%.
It is the fourth rate hike in March, June and September.
It is the fourth rate hike in March, June and September.
With the US interest rate hike,
Observations that domestic city banks' loan interest rates continue
Observations that domestic city banks' loan interest rates continue
to rise have become stronger.
Normally, the interest rate rise in the United States,
Bififex (fund procurement cost index · COFIX) and others
It will raise interest rates in domestic financial markets.
Normally, the interest rate rise in the United States,
Bififex (fund procurement cost index · COFIX) and others
It will raise interest rates in domestic financial markets.
Bifikus is a weighted average of the interest rates
of received goods raised funds by eight domestic banks.
International interest rates, banks still loan interest rates,
International interest rates, banks still loan interest rates,
deposit interest rates rise, the bififex also rises.
Bank ticket variable interest rate Hedge collateral lending
Bank ticket variable interest rate Hedge collateral lending
(real estate secured financing)
If the bifice rises
Household loan rate also rises.
If the bifice rises
Household loan rate also rises.
Bank of Korea froze the reference interest rate for one year until October,
but Bifikus
Steadily rising due to the influence of interest rate hikes in the United States.
Last month the Bank of Korea raised the interest rate
Steadily rising due to the influence of interest rate hikes in the United States.
Last month the Bank of Korea raised the interest rate
and the rise curve was even more drastic.
The November new handling amount standardized bifice was 1.96%,
increased by 0.03 percentage points from the previous month.
This is the highest figure for the first time in 3 years
This is the highest figure for the first time in 3 years
and 9 months since February 2015 (2.03%).
The remaining balance standard bifice (1.95%) also increased
The remaining balance standard bifice (1.95%) also increased
by 0.02 percentage points
It recorded the highest level within 3 months and 2 months
It recorded the highest level within 3 months and 2 months
since September 2015.
Real estate collateral loan floating interest rate of city banks
to rise in the bifikes
We are putting 5% level on approach.
In the case of KB KBB having
We are putting 5% level on approach.
In the case of KB KBB having
the highest fluctuating floating interest rate among the city banks,
New handling amount standard fluctuating interest rate
New handling amount standard fluctuating interest rate
is 3.48 to 4.68% a year, the balance basis is 3.62 to 4.82% a year.
Nice (NICE) Evaluation information by 'Collateral number
of collateral by collateral number rental status'
As of the end of June this year, 6.31 million people
As of the end of June this year, 6.31 million people
out of 190.3 million household debt holders received housing for collateral.
It has real estate secured loans at the rate of one out of three people.
The debt per capita of real estate secured loan holders was
It has real estate secured loans at the rate of one out of three people.
The debt per capita of real estate secured loan holders was
154.68 million won (about US $ 13,213)
And double the overall household debt average
(80.43 million won, about US $ 71,264.97).
Powell Fed Chairperson
Powell Fed Chairperson
"Even during interest rate hikes · Substantial uncertainty in destination"
The increase in the interest burden associated with raising
the interest rate is not limited to the owner of the real estate secured loan.
Overall loan interest rate rises
Overall loan interest rate rises
with the real estate secured lending interest rate at the top
1500 trillion won (about US $ 132,974.44 million)
Emergency light also arrived at household debt management
1500 trillion won (about US $ 132,974.44 million)
Emergency light also arrived at household debt management
that reached the end.
Especially in the second financial zone where vulnerable tenants gathered,
the delinquency rate rises and the risk of failure is concerned.
As of the end of September this year,
As of the end of September this year,
the standard savings bank's household loan delinquency rate is 4.7%
It increased by 0.3 percentage points from the end of last year.
Suffering sputters changed from 1.9% to 2.3%, household credit loan
It increased by 0.3 percentage points from the end of last year.
Suffering sputters changed from 1.9% to 2.3%, household credit loan
from 6.1% to 6.5%
Each deteriorated 0.5% point by point.
Each deteriorated 0.5% point by point.
Over the same period the household lending delinquency rate
of insurance companies increased 0.05% point from 0.54% to 0.59%.
The real estate collateral loan delinquency rate ran from 0.34% to 0.38%
Real estate secured loans and other household loan delinquencies increased
The real estate collateral loan delinquency rate ran from 0.34% to 0.38%
Real estate secured loans and other household loan delinquencies increased
0.10 percentage points from 1.33% to 1.43%.
According to the Bank of Korea analysis,
if the loan interest rate rises 0.5% points each
Debt can not be returned even if all assets held are disposable
Debt can not be returned even if all assets held are disposable
The scale of financial liabilities of high risk households is
It will increase by
It will increase by
4.7 trillion won (about US $ 4,666.66 million).
If interest rates rise by 1 percentage point,
If interest rates rise by 1 percentage point,
financial liabilities of high risk households
It will increase by
It will increase by
9.2 trillion won (about US $ 8,156.61 million).
Lending mainly focused on vulnerable borrowers with a heavy burden
on interests Concerns about becoming unsound
It is pointed out that the financial authorities need a preemptive response
It is pointed out that the financial authorities need a preemptive response
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