<Anchor>
Friendly Economy Today (29th) is also with reporter Kim Hye-min.
Reporter Kim, today you have been reporting on household debt, which is a concern because the scale has grown too large.
<Reporter>
Yes, household debt this year was more than the money our country earned in a year.
This is the first time ever, especially in their 20s and 30s, and loans are growing rapidly.
Among the new lenders, about 6 out of 10 are in their 30s and this trend has been increasing every year since 2017.
As the number of borrowers increases, the amount of debt will of course also increase.
It accounts for more than half of all age groups, debts under 30s.
On the other hand, the number of new lenders in their 40s and older continues to decline.
Overall loans also declined.
<Anchor>
This year, the buzzwords such as'younger' and'debt investment' appeared among young people, and a lot of loans were used to make such investments.
<Reporter>
Yes, I think there are a lot of young people like this who really collect their souls to buy real estate.
Housing-related loans amount to KRW 26.2 trillion. Compared to the same period last year, this is an increase of more than 10%.
It means that young people bought a lot of real estate.
Also, credit loans increased 15.6% to 89 trillion won.
You can use money borrowed from credit loans relatively freely.
It is not known exactly where it was spent, but since this is in fact in principle not available to buy real estate, it is presumed that some of the sums went to stock investments here.
<Anchor> In
fact, when the scale of debt becomes too large, you are always worried. How about?
Are you overdue and are these parts appearing?
<Reporter>
So far, fortunately, it seems that the young people's ability to pay off their debts has not declined.
The young household loan delinquency rate so far has been 0.47%, but looking at other age groups, the average is 0.71%.
The youth are much lower.
Banks make a lot of loans, but interest rates have fallen and the loan period is getting longer than before.
So, the burden of paying off the debt seems to be less than before.
Also, young people get a lot of jeonse loans.
It is sometimes considered that the delinquency rate is low because this chartered loan does not pay the principal and only interests.
But this means that now, if the economic situation worsens in the future, interest rates may rise.
At that time, there is no guarantee that you will not be overdue.
<Anchor> The
government started tightening loans again since last month, as the rate of increase in household debt and this was a bit excessive.
<Reporter>
Yes, as household debt has increased, the government has started to reduce loans, but it is said that there are many cases where credit loans cannot be paid back compared to ordinary home mortgage loans.
So, there are many places where credit is not available at all when visiting commercial banks these days. Shinhan Bank has already stopped accepting new credit loans from the 23rd to the end of this year.
Also, KB Kookmin Bank blocked all new credit loans exceeding 20 million won in the same period.
Kakao Bank has not already received new negative bank credit loans since the 17th.
Earlier, the government banned high-income people from receiving more than 100 million won in credit loans last month.
When the government blocked lending, some are concerned about the balloon effect.
There are people who need a loan because of an urgent situation, but if they can't go to a bank like this, they go to the second financial sector regardless of their income and credit.
So you have to deal with higher interest rates.
<Anchor>
Recently, the credit rating system has been changed to the point system. Will this have any effect on loans?
<Reporter>
Yes, when we get a loan, we need a credit rating now.
Usually, it comes out like 1st grade and 2nd grade, but the government decided to change this to scores from next year.
Credit scores from 1 to 1,000 are given in this way, and the Financial Services Commission explained, "There are people who can't borrow because they are stuck in the boundary of the rating, and we introduced a score system for these people."
It seems that each bank will set a different number of credit points for loans, so even if this bank rejects the loan, you can go to another bank next to you to get it.
It is said that this will give people with low credit a wider way to get loans, but as I said earlier, banks have almost completely blocked credit loans.
I can get more loans right now, so I don't think I can feel it right away.