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interest rate on a negative bankbook, which is used a lot by office workers like an emergency fund, has already exceeded 5%.
The Bank of Korea meeting to decide the base rate is held tomorrow (the 13th), and there are many prospects for a large increase in interest rates, so concerns about the interest burden are growing
. Reporter Im Tae-woo reports.
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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.
If the Bank of Korea raises the base rate by 0.5 percentage points tomorrow, 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.
Various interest rates, including financial bonds, are expected to continue to rise until at least the end of the year, so it is necessary to frequently check the loan repayment ability relative to income.