<Anchor>



With interest rates rising rapidly these days, people who have recently bought a house with debt are worried.

The amount of money you owe to the bank every month is increasing, because house prices that were expected to rise are faltering.



This content was covered by reporter Han Sang-woo.



<Reporter>



Mr. Lee, an office worker in his 30s, bought an apartment in Seodaemun-gu, Seoul for 1.4 billion won about a year and a half ago.



He covered 600 million won in debt, including 450 million in mortgage loans and 150 million in credit loans.



[Mr. Lee/Office worker: I thought that I would not be able to dream of owning a house if I missed this opportunity, so I took a loan and bought it.]



However, as the interest rate rose by 2 percentage points, almost half of my income was 3 million won. I'm paying the loan principal and interest, but the fall in house prices is also a concern.



[Lee Mo / Office worker: There are also quick sale items that have lowered the price by 50 million won, but it seems that the quick sale items are not going out recently.

I'm very worried right now...

.]



The problem lies in the higher interest burden.



The Cofix rate, the benchmark for mortgage interest rates, hit an all-time high in June as it is expected to rise further this month.



At the same time, apartment prices in Seoul fell for seven weeks in a row, and the decline was even greater.



The memory of the senior generation who bought a house with a lot of debt about 10 years ago, but couldn't even sell it because the house price fell, is coming back to mind.



[Park Won-Gap / KB Kookmin Bank Senior Expert: The word “house poor” is coming out again after 10 years, but the burden increases to the extent that you have to pay a large portion of your monthly salary as interest, and if the price drops, psychological pain is inevitable. It seems that.]



Experts advise that if more than half of your monthly income goes to principal and interest on loans during a period of rising interest rates like now, it is a risk signal and you should think about countermeasures.



(Video coverage: Jeon Gyeong-bae, Video editing: Jeong Seong-hoon)