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Loan interest rates are rising rapidly due to a rise in the base rate and government regulations. While there are criticisms that banks are taking advantage of money, recently, commercial banks' lending rates are even higher than those of secondary financial institutions.



By Kim Jung-woo, staff reporter.



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profit obtained by subtracting deposit interest from the loan interest received by the bank is called the loan-to-deposit margin.



While the interest rates on new home mortgage loans at some commercial banks have soared to the 5% range a year, the interest on deposits and savings accounts is still at the 1% range, and the loan-to-deposit margin is gradually increasing.



For the past three months, the difference in interest rates between household loans and savings deposits has remained at around 2%p, which is the first time since 2017.



This is because commercial banks, fearing that the government's 'crediting loan' would reduce profits, lowered the preferential rate or eliminated it altogether while raising the additional interest rate, which includes the cost of crisis management.



[Kim Dae-jong/Professor of Business Administration, Sejong University: The amount to borrow is also smaller, so your income is lower. Therefore, they are continuously aiming for their profits by raising the loan interest rate and lowering the deposit rate.]



Mortgage loans, which had lower interest rates than other loans due to collateral, exceed the credit loan rates, and in some apartment complexes that are about to move in, commercial banks There is also a phenomenon in which the interest rate exceeds the interest rate of the second financial sector, which lends money to low-credit borrowers at a relatively high interest rate.



[Mr. A/Gwangju-si, Gyeonggi-do: The fixed rate for Saemaul Geumgo is 3.8%.

Saemaul Geumgo is a second financial institution.

As a result, I was originally reluctant, but now one financial sector has a fixed interest rate of 4.5%.]



As a result, the accumulated interest income of the four major financial groups up to the third quarter increased by about 10-15% from a year ago, preventing banks from taking excessive interest rates with interest rates. There was even a public petition asking for it.



The heads of financial authorities are only repeating the reaction that "the decision of the market should be respected".



(Video coverage: Cho Chun-dong, video editing: Lee Seung-yeol)