<Anchor> The



credit risk index, which evaluates household debt risk, was expected to rise significantly in the fourth quarter. With such prospects and government regulations, commercial banks have raised their loan thresholds, and interest rates have risen rapidly, putting a heavy burden on both those who have already received loans and those who will receive them in the future.



Additional measures related to household debt have also been announced, as reported by reporter Kim Jung-woo.



<Reporter>



In September of last year, employee A, who borrowed 100 million won through a credit loan, had to pay an additional 100,000 won in interest every month.



This is because the loan interest rate has risen by nearly 1.2% in one year.



[Mr. A/Office worker: I receive a text message from the bank, but most of it is a text that the interest rate is higher now, so it is a bit burdensome.] The



interest rate on mortgage loans is also on the rise.



The variable interest rates on mortgage loans at the four major banks rose by up to 0.48%p in a month and a half, approaching 5% per annum.



Based on the loan amount of KRW 300 million and the highest interest rate, the actual interest burden increased by nearly 65% ​​in just one year.



As loan interest rates rise one after another and the income improvement of vulnerable borrowers is delayed due to the prolonged Corona 19, the Bank of Korea predicted that the risk of household insolvency would increase in the fourth quarter.



The financial authorities also blamed the loan rein for this reason, but they could not simply ignore the suffering of end-users, so they decided to release the Jeonse funds or group loans again.



[Hong Ki-hoon/Professor of Business Administration, Hongik University: Because you can not be afraid to increase loans, then you will go against the overall (financial authorities) principle now.

Then, the (loan) size can be relatively larger.]



Starting from the 27th, the five major commercial banks will provide loans up to 80% of the deposit for new jeonse contractors and only the increased amount of deposit for seniors with existing contracts.



The financial authorities are considering a plan to accelerate the implementation of the DSR regulation on the total debt-to-income ratio as a measure against household debt, which will be announced as early as this week, instead of releasing the jeonse loans.



(Video coverage: Kim Gyun-jong, video editing: Jung Yong-hwa)