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Kospi climbed more than 15 points, breaking the record high for two consecutive days.

In the midst of such a booming stock market and rising house prices and jeonse prices, household debt in the third quarter increased the second largest ever, reaching 1,700 trillion won.



Reporter Yoo Deok-ki.



<Reporter>



Park Mo, an office worker in her 30s, bought an apartment in August by receiving a mortgage loan.



[Mr. Park/30's office worker: Buy a house even now, even if I'm'young'...

As much as I could get a mortgage loan (I received.)] When



I met my acquaintances, I was told that I was just talking about stocks, and after a while I even got a credit loan.



[Mr. Park/An employee in his 30s: I received an additional 70 million won in credit loan.

“I will make my own investment even through a loan”, naturally among office workers...

.]



In the third quarter, household borrowings increased by 44.9 trillion won.



This is the second ever increase since Q4 2016.



In particular, other loans, including credit and charter loans, increased by 22 trillion won, the largest increase since the statistics were prepared.



It is approaching the annual growth rate of last year.



Due to the soaring house price, it is interpreted that mortgage loans alone were insufficient, and credit loans were maximized.



[Song Jae-Chang/Bank of Korea Economic Statistics Bureau Financial Statistics Team Leader: (House sales and charter transactions) increased compared to the second quarter and the third quarter of last year.

So there was a demand for housing funds.

There was also demand for stock funds.] In



the third quarter of this year, a strong measure to curb the demand for housing was put in place through regulations on mortgage loans. There is.



This is why the Bank of Korea expressed concern over the pace of household debt growth.



Although the government recently came up with measures to tighten even credit loans, in this month's consumer trend survey, the home price outlook index reached the highest level since the statistics were prepared, revealing that the prospect that house prices will rise is not dampening.



(Video coverage: Park Dae-young, Video editing: Park Ji-in, CG: Seo Hyun-joong)