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US central bank has announced that it will raise interest rates at least three times next year. If this happens, interest rates in Korea will also rise, and the burden will be much greater if you have bought a house with debt or invested in stocks.



Reporter Kim Jung-woo reports.



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A person in his 30s who bought an apartment worth 500 million won a year ago.



Of that, 300 million won was financed by loans, and since I needed more money urgently, I had to take out a credit loan, so I was paying 2.5 million won in interest every month.



However, as interest rates rise little by little, concerns have grown.



[Mr A/Lender: Really, there is no solution right now. This is not a situation that can be prevented with another loan, and the salary is limited, so I just have to reduce my spending on household chores... .]



Cofix, which banks use as an important criterion for mortgage loans, rose to an all-time high last month.



As this index was reflected in the actual loan interest rate today (16th), the main loan interest rate of KB Kookmin Bank and Hana Bank exceeded the maximum of 5%, and the average interest rate of negative bankbooks of the four major commercial banks soared to 5.23%.



Interest rates are likely to rise further next year.



The Bank of Korea will monitor the COVID-19 quarantine situation, but maintain the principle of raising the base interest rate from the beginning of the year to catch up with rising prices and increasing household debt.



[Kim Dae-jong / Professor of Business Administration at Sejong University: Because there is too much cash in the market and prices continue to rise, the Bank of Korea also raises the base rate and brings the loose funds back to the bank.]



The US central bank will raise interest rates three times next year .

As we announced that we would raise interest rates, it is expected that we will also raise interest rates at least twice.



For every 0.25 percentage point increase in the base rate, the entire household's interest burden increases by nearly 3 trillion won a year.



(Video coverage: Cho Chun-dong, video editing: Kim Byeong-jik)