The upper end of the loan rates of major commercial banks, which had been above 7%, fell by more than 0.6% points in a week, falling to the mid-6% level.

However, the lower end of the loan interest rate with more target audiences has risen.

According to the financial industry, the interest rates of KB Kookmin, Shinhan, Hana, and Woori Bank's mixed (fixed) mortgage loans range from 4.750 to 6.515% per annum as of the 24th.

Compared to the 17th (4.330-7.140%), the upper end fell by 0.625 percentage points in just one week.

However, the lower end of the interest rate to which the preferential rate was applied rose by 0.420 percentage points.

At the same time, the variable interest rate for mortgage loans is currently 3.690 to 5.781% per annum, which is 0.100 percentage points higher only at the upper end than a week ago.

First of all, Woori Bank's interest rate adjustment had a significant impact on the fact that the upper end of the fixed rate for mortgage loans fell by more than 0.6 percentage points in one week.

The interest rate on five-year bank bonds, which is mainly used as an indicator of fixed interest rates on mortgage loans, also fell 0.199 percentage points from 4.147% to 3.948% during the same period. Because the cut is added.

In particular, from the 24th, Woori Bank decided to give all grades a preferential rate of 1.3 percentage points, which was applied to fixed-rate loans based on 5-year bank bonds, all at once.

In the end, with the same effect as the additional interest rate for all Woori Bank grades was lowered by 1.5 percentage points, the upper end of 7.140% on the 17th fell to the 6% level.

(Photo = Yonhap News)