<Anchor>

The friendly economy of Kwon Ari began. I have heard that the interest rate has been lowered, but I still have to wait a little longer to get the loan. Why?

<Reporter>

I would like to mention to those who need to borrow new loans firstly. I would recommend that you wait for a month when the money is in a hurry or wait for those who like interest rates to be higher than others because of credit problems.

The first reason is that the lowering of the base rate last week has not yet been reflected in lending rates.

In particular, those who need to borrow a variable rate loan considering the circumstances, it seems that the market interest rate is lower than before the reduction rate because the standard interest rate cut is reflected in the variable rate standard this time.

In the case of fixed-rate loans, interest-bearing banks began to emerge. It is 0.1% lower than last week.

However, there was still a reversal of the fixed interest rate lower than the current fluctuation, but now the interest rate is the lowest in the case of fixed rate home mortgage loans. But if you still have time, I'd like to recommend you to wait for a while.

<Anchor>

Why?

<Reporter>

The change is due to the fact that we have just given the word and the possibility that the base rate will be further reduced is getting larger as time goes by, and the number of variables that will affect the interest rate is increasing.

Fixed - rate mortgages are based on interest rates on five - year bonds that banks sell to help us borrow money. It varies a little every week or so.

So the rate cut in the last week began to be reflected in fixed rate loans rather than fluctuations.

However, yesterday, President Trump told me that the Federal Reserve Board, which can be called the Bank of Korea Monetary Policy Committee of the Bank of Korea, came to ask me to lower interest rates at the end of the month, .

In fact, it is not right for the president to lower the base rate, but to remain independent and the US financial authorities to be proud.

But nowadays, President Trump's remarks have had a lot of real impact, so the market has gotten a little bit bigger.

He also said that some of the candidates have been selected by the United States to decide on the US base rate, and that a candidate named by Trump will be raised immediately.

I can tell you that President Trump is in sync with the so-called code. Even if the US does not cut interest rates by the end of this month, the US will cut the interest rate further once it falls at the end of this month. It's also faster than I expected until recently, 'I get this view.

That will have a big impact on our country. If this idea grows in the market, the interest rate, which determines the fixed rate, may go down even though the base rate is not necessarily reduced immediately.

<Anchor>

So it's the lowest level ever, but the fixed rate will be lower.

<Reporter>

Yes. That's the story. It can be lower than ever, but lower. As I said, it changes every week.

In addition, yesterday, the governor of the Bank of Korea, Lee Ju-yeol, also spoke to the National Assembly that even if the economic retaliation situation in Japan deteriorates, the growth rate of Korea might reach 1% this year.

In fact, private reports had already posted a 1% outlook for the economy this year,

The prospects of the government and the agency are somewhat higher than what the private sector has to say, because it is a bit mixed in with the goal of 'We will do this this year'.

But as far as the possibility is concerned, the central bank governor has talked about 1% of his mouth. In the meantime, the possibility of further cuts in interest rates has not been improved yet.

If interest rates are not cut further, the prospect of a downturn in the economy will increase the popularity of long-term financial bonds. Then the interest rate is lowered.

Because of this, because the outlook for the economy is not good, the rate of interest on fixed-rate loans has been lower than the fluctuation even now.

And if Korea 's additional interest rate cuts are really faster than expected, then it is really a low interest rate debate, but there is a possibility that the reversal of fixed and fluctuations will be almost eliminated until the end of the year. Variable interest rates will go down a lot.

Then we have to tap the calculator again from the beginning. If you need a loan, I can not tell you to wait until the end of the year. If you can afford it, I'd better watch it for another month.

Today I talked about the new borrower, but the ones who are going to change are better off the next month or later. I'll tell you more about this next time.