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There are many criticisms that banks raise interest on loans hard, but only raise interest on deposits or savings accounts to the extent of being condescending. However, most of the products that have raised interest rates limit the number of subscribers or the amount.



This is reporter Jeon Yeon-nam.



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This is an advertisement for savings accounts of an internet savings bank.



The interest rate is 7% per annum, but if you look at it, there is no real value.



Only 700 people sign up every day on a first-come, first-served basis, and even if they break through the competition, they are limited to pouring 200,000 won per month for seven months.



The total interest you can receive through this is 27,000 won.



Large banks also advertise that they have recently raised some deposit rates to as much as 0.4%, but are limiting the amount of monthly subscriptions.



If you invest 100,000 won per month for one year, you will receive an additional 2,200 won in interest.



However, only some deposits have raised interest rates like this, and most deposits are still in the 1% range and savings accounts are still in the 2% range.



The reason why banks are rushing out these fishing deposit products is interpreted as to avoid criticism that the deposit interest rate remains the same while the loan interest rate is raised.



[Jo Yeon-haeng/Chairman of the Financial Consumers Federation: It can be seen that attracting consumers by raising only trick products rather than giving benefits is a tyranny of business practices that mock consumers.]



On the other hand, loan interest rates are rising steeply.



Last month, the average interest rate on home mortgage loans exceeded 3%, the highest level in 7 years and 7 months, and the interest rate on credit loans also exceeded 5%.



As a result, the difference between deposit and loan interest rates widened to the widest in two years and four months.



[Kim Sang-bong/Professor of Economics, Hansung University: In a situation where the capital raising interest rate is rising, the loan interest rate has no choice but to rise.

Therefore, banks should act so that deposit interest rates can react a little faster.]



Both the ruling and opposition parties before the election announced that they would fix this behavior of banks, but it is unclear whether this will be realized.



(Video coverage: Kim Heung-sik and Choi Jun-sik, Video editing: Kim Byeong-jik)