<Anchor> With



such a difficult job finding, household debt is rapidly increasing.

In particular, as regulations on mortgage loans have recently been strengthened, people who buy a house, pay jeon tax, and even people who want to borrow money to invest in stocks are rushing to credit loans.



Next is Park Chan-geun.



<Reporter>



There are not a few people who bought a house with money even if it was unreasonable because they were anxious that the house price would rise further.



[Seoul Yeongdeungpo-gu authorized brokerage:'Young-eul (to attract the soul)', I do some credit loans and get some help from my parents...

.]



House prices have risen sharply, and the number of people receiving credit loans has increased as the limit of mortgage loans has been greatly reduced due to strengthening regulations.



[30s office worker: I think I had just 100 million won (when buying a house) and received a credit loan of 40 million won while working for 4 years.

Since the actual transaction price is only at the beginning of the month and the end of the month, the difference in the amount is just 10 million won...

.] In



this atmosphere, bank household loans increased by KRW 11.7 trillion last month, the largest increase in history.



Other loans, which are mostly credit loans, also increased to 5,700 billion won, the largest ever.



As the interest rate on credit loans fell to around 2%, there was a demand for receiving them in advance, and the fever for stock investment seems to have affected.



[Ok-Ja Yoon/Bank of Korea, Manager of Market Management Team: The demand for stock funds to invest in listed stocks, such as subscription to public offering stocks, and (these) seem to have acted as a factor to increase other loans.]



Due to the prolonged corona economic crisis, living fund loans have

been increasing.

The increase is also a factor.



The surge in household debt poses a great threat to the health of not only households but also financial companies.



The financial authorities are planning to check whether regulations such as the total debt repayment ratio are properly implemented and take countermeasures if necessary.



(Video coverage: Jang Woon-seok, video editing: Kim Jong-tae, CG: Choi Jin-hoe)