<Anchor> This
is a friendly economic time.
Today (the 20th) I will be with reporter Han Ji-yeon.
Yesterday, there was a personnel hearing about Lee Chang-yong, the governor of the Bank of Korea.
However, looking at the stories from the personnel hearings, Lee said, "Even if it becomes less popular in the future due to inflationary pressure, I will continue to raise interest rates, and I may have no choice but to raise them."
I've been saying this a little bit officially.
Also, the Bank of Korea (BOK) raised the base interest rate last time and suggested a very high possibility of further hikes.
You may be wondering how far the loan interest rate will go up, how much do you think it will rise?
<Reporter>
Yes, there are rumors that the loan interest rate has risen when you wake up, but it is expected that the highest interest rate on a home equity loan will soon reach the 7% level, the highest level in 13 years.
This week, central banks raised interest rates again.
This is because the cofix that affects this has risen, and it has been reflected as it has risen by 0.02 percentage points in one month to 1.72% last month.
At the same time, the variable interest rate for commercial banks has risen from 3.4% to 5.3% per annum.
The highest interest rate for fixed-type loans has also risen to the mid-6% level with the highest interest rate soaring by 1.4%.
<Anchor> It
rises from 3% to 7%.
Then the difference would be 1~2%, or 3% at most. This seems like a small amount, but the scale of a mortgage loan is so large.
So, I think the actual feeling is high.
But among them, the 30s can be more difficult.
That these statistics came out.
<Reporter>
Yes, it was surveyed that young people and people in their 30s had the most.
They owed more than they earned compared to other generations.
We looked at LTI, which shows how much household loans are relative to income. As of the end of last year, the overall average was about 240%, with people in their 30s showing the highest level at 280%.
So, the size of the debt is 2.8 times the annual income for those in their 30s, and 2.4 times the annual income for the total.
The rate of debt increase was also rapid among those in their 30s, and the rate of LTI growth a year ago was nearly double that of those in their 30s.
It is said that taking out debt means creating assets by pulling future income, but in the face of rising interest rates, we should pay more attention to risk management than other generations.
<Anchor>
So, I am worried about the amount of debt I am earning now because I have a little more debt than I am earning right now.
That's the story.
So, I'm curious to know how much you actually spend to pay off your debts, but have you come up with such data?
<Reporter>
Yes, in my 30s, I used 42% of what I earned to pay off debt.
It can be said that it is almost half of the annual income, and it is reasonable to say that the waist is bent due to debt.
This is calculated using DSR, which is the total debt repayment ratio, and unlike LTI, it is calculated after excluding some loans such as jeonse loans.
The problem is that if interest rates continue to rise in the future, more money could be used to pay off debt.
<Anchor>
So, now that almost half of what we earn is used to pay off debt, why do we call it disposable income?
So, there is a situation where the actual income that can be used is small.
Then, you may not be able to pay off your true debts, your domestic economy may deteriorate, and you will have a bad life in various ways.
When the base interest rate rises, the loan rate rises, but the deposit rate also rises.
But I don't think deposit rates are going up that much.
<Reporter>
Banks said that they raised the deposit rate by 0.3 to 0.4 percentage points this week, but it turns out that they actually raised the interest rate by 0.25 percentage points on average.
This is because there were many fake products that said that the increased interest rate was applied. There are products.
If you exclude this and calculate individual products based on the one-year maturity, it comes out to have risen by 0.2% points.
<Anchor>
Finally, you came out with one more helpful piece of information.
Now, although the number of bank branches is decreasing due to non-face-to-face transactions, on the other hand, operating hours are likely to increase slightly.
It's like this.
<Reporter>
Yes, but in some cases, the bank closes at 3:30 pm now.
This was originally 4 o'clock before Corona, but it was moved up 30 minutes because of Corona.
That's why office workers were busy doing their bank work during their lunch break, or they couldn't even afford it.
It looks like it will be a little easier in the future.
Previously, Kookmin Bank expanded its branches open until 6 p.m. to 72 stores nationwide, and Shinhan Bank is preparing branches open until 8 p.m. or on Saturdays.
There are 5 branches in Seoul.
It will start as early as next month.
We use a digital desk that provides video consultations, and it is said that 90% of the work done at the branch window can be handled.