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With the decision of the Bank of Korea today (13th), it was analyzed that the debt burden of Korean families would increase by 6.4 trillion won.

Moreover, interest rates are expected to rise further in the future, so people who borrowed money from banks to buy houses and buy stocks are increasingly concerned about how to pay the interest.



Reporter Han Sang-woo will tell you about this.



<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 for commercial bank 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, saying that it is necessary to prepare for a situation that has never been 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 houses more difficult.



[Kim Gyu-gyu/Director of Asset Succession Research Institute at Korea Investment & Securities: As the 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, the concentration of monthly rents is expected to appear more.



This is because, as the interest rate on the 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 (when converted to monthly rent), the monthly rent is 30 (10,000 won), 3.6%.

At 3.6%, it's 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.



(Video editing: Park Seon-sun, VJ: Jeong Young-sam)



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