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interest rate on negative bankbooks used by office workers when they are in a hurry has exceeded 5%.

Two days later, the Bank of Korea decides the base rate, and there are many prospects that the interest rate will be raised significantly, so the loan interest burden is expected to increase.



Reporter Im Tae-woo reports.



<Reporter>



Mr. Kim, an office worker, was surprised when he inquired about the interest rate in a negative bank account he used frequently.



I remember it as 3% a year ago, because it is already over 5%.



[Mr. Kim/Office worker: (minus bankbook) paying 5% at the interest rate on a loan is almost twice as high as the existing interest, so it seems to be a very burdensome thing.]



Even with the best credit rating, the 1st grade, the bank now If you create a negative bankbook at , the interest rate is 5.3% even at the lowest price.



It increased by about 1%p in one month.



General credit loan interest rates also rose for the fifth month in a row, reaching an eight-year high.



The reason is that the interest rates on financial bonds that financial institutions pay for financing are soaring.



Negative bankbooks are determined by adding an additional interest rate to the interest rate of financial bonds, and banks are reflecting the increase in interest rates on financial bonds in their loan rates.



Two days later, if the Bank of Korea raises the base rate by 0.5 percentage points as expected by experts, the interest burden will increase.



All households will have to pay an additional 6.7 trillion won in interest on the loan. If you borrowed 300 million won from a bank at a variable interest rate, you will have to pay off an additional 120,000 won in interest every month.



[Yeosam Yoon / Researcher at Meritz Securities: The adverse effect on households is that the burden of shrinking actual consumption life can be quite large to the extent that children have to stop academies or reduce eating out...

.]



At least until the end of the year, interest rates on financial bonds and other various interest rates are expected to continue rising, so it is necessary to frequently check the loan repayment ability compared to income.



(Video editing: Nam Il, VJ: Park Hyun-woo)