Commercial banks are raising interest rates on loans one after another.

The Bank of Korea's benchmark interest rate, which is the standard for bank loan interest rates, has been frozen for 10 months, but rising inflation pressure is raising the loan rate.

Reporter Kim Jung-woo reports.


Recently, Shinhan Bank and NH Nonghyup Bank lowered preferential interest rates for mortgage loans by 0.2 percentage points and 0.3 percentage points, respectively.

The perceived interest rate is increasing that much, but consumers are worried that the rate hike will spread to the entire loan product.

[Songjeongae / Seoul Yangcheon: to go in a certain income to pay taxes and live so scale, rises the interest rate I am of course free -

inde The Bank of Korea interest rate annual 0.5% place 10 months why lending rates deulsseokyineun bank loans This is because the interest rates of government bonds, which affect interest rates, have recently risen in both the US and Korea.

The more problematic is that the rise in government bond yields is due to inflationary pressures.

If inflation jumps first while the economic recovery is slow, the pressure on the benchmark interest rate rises to catch it.

[Young-moo Cho/Research Fellow, LG Economic Research Institute: If expectations for inflation continue to rise, there seems to be a possibility that monetary policy will fall into a dilemma.

It is difficult to raise (interest rate), and it is difficult to lower it.]

In the fourth quarter of last year, mortgage loans increased by 70 trillion won and other loans increased by nearly 60 trillion won.

The government plans to announce a plan to manage household loans around the middle of this month.