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If the interest rate rises, the number of loan principal payments that need to be repaid each month increases, making it difficult to operate stable households. Regardless of the interest rate rise, loan products that fix the amount to be repaid every month or limit the rate of increase of the interest rate will be released from today (18th).

Jae Hyeong Kyung is on the press.

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The interest rate on the bank-borrowing rate of the commercial bank reached 4.9% per annum as the interest-rate based on the balance announced on last week rose 0.01% point.

People who are borrowers with floating interest rates have more money to pay each month as interest rates rise.

Loan products will be launched today to prevent the risk that the debt-paying burden will increase rapidly in the interest rate rise.

There are two types of products.

First, even if the interest rate on the loan is increased, it is the commodity which fixes the principal payment repayment every month for the maximum ten years by decreasing the principal repayment every month.

Ten years later, you can redeem your monthly reimbursement or settle the remaining principal.

However, the bank is assuming the risk of rising interest rates, so the interest rate is 0.2 to 0.3 percentage points higher than the general commodity.

If the loan is repaid without increasing the loan amount, the ratio of the previous guarantee amount and the total debt repayment rate will be applied.

Commodities that bundle the maximum rate of increase of the loan rate up to 1 percentage point maximum and 2 percentage points over 5 years are also released.

It is a way to add a coupon that adds 0.15 to 0.2 percentage points to the existing interest rate even if you do not sign a new loan agreement.

The financial authorities plan to provide this product to those who have a combined income of less than 70 million won or a house with a city price of less than 600 million won.