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It was analyzed that the debt burden of Korean households would increase by 6.4 trillion won due to the base rate hike yesterday (13th).

If you bought a house and stocks with debt as much as you predicted that interest rates would continue to rise in the future, now is the time to think about how to pay the interest in the future.



Next is reporter Han Sang-woo.



<Reporter> In



most commercial banks, mortgage rates have already exceeded 5% per annum.



Variable interest rates account for 77% of household debt, so an interest rate hike leads to an increase in interest rates.



[Bank officials: As the base rate hike is expected to continue until the end of the year, it is expected that interest rates on commercial banks' deposit products and loan products will continue to rise for the time being.]



Investors who entered the real estate and stock markets with all their debts became confused .

situation.



Lee Chang-yong, governor of the Bank of Korea, also made an unusual comment on the real estate market and issued a kind of warning that we should prepare for a situation that we have never experienced before.



[Lee Chang-yong / Governor of the Bank of Korea: If you borrowed money at a 3% interest rate when buying a house or doing that, you would have bought it thinking that it would be at that level for the rest of your life.

However, given the current economic situation, that assumption could change...

.]



First of all, with apartment sales in Seoul down to less than a third of what it was a year ago, raising funds becomes more difficult, making buying and selling a house more difficult.



[Kim Gyu-gyu / Director of Asset Succession Research Institute at Korea Investment & Securities: As ownership sentiment cools, the trading cliff deepens, and there is a high possibility that a correction and a bear market will spread throughout the metropolitan area.] In the



rental market, a concentration of monthly rents is expected to appear more.



This is because, as the interest rate on Jeonse loan exceeds 5% per annum, the number of tenants who would rather pay monthly rent will increase.



[Shin Seung-cheol/Authorized Realtor: If the deposit is 100 million won (if converted to monthly rent), the monthly rent is 30,000 won (10,000 won), which is 3.6%.

3.6% is cheaper than the bank interest rate.

You will find it there (monthly rent), right?

Probably…

.]



Finding ways to respond to interest rate hikes is a task given to all economic actors.