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When you think of a bank, you usually think of it on the first floor of a building, but recently, many banks have moved to the second floor or basement.
For some reason, reporter Jo Yoon-ha covered it.
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A building in Guro-gu, Seoul.
The bank is on the second floor, and a franchise cafe is located on the first floor.
Other buildings nearby are similar.
Most of the bank stores that were on the first floor moved up to the second floor, and it became a trend for cafes to take their place.
It is estimated that more than half of commercial bank stores have moved to the second floor or basement.
Even the landlords who pay rent are reluctant to bank on the first floor.
Rather than a bank that closes at 4 p.m. and is closed even on weekends, a cafe that stays open until late has a brighter atmosphere and attracts more people, so the value of the building rises.
[Certain bank officials: In the case of a shopping mall on the first floor, the lessor tends to prefer coffee shops that are open even on weekends and evenings and gather people rather than banks, so we decided to promote a contract with the landlord (on the second floor). I
'm doing it.]
Some banks want to cut costs as the number of direct customers decreases anyway.
[Representative of Yoo Young-hwa / Commercial Real Estate Brokerage Corporation: Generally, the rent on the first floor is 1.5 to 2 times higher than that on the second floor.
In the case of banks, they prefer a form with a low monthly rent ratio.]
However, it is also pointed out that it is more difficult for the elderly and the disabled to go to the bank than before.
[Lee Hyun-il / Guro-gu, Seoul: It's hard.
How hard is it?
out of breath
It's hard to walk, but how hard is it to climb?
It is difficult for older people to go to the bank now.] In line
with the changing circumstances of the times, it seems necessary to improve regulations and systems such as having stores in buildings with elevators.