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Many people choose a variable rate when borrowing money from a bank, but as the variable rate, which rose sharply, jumped to the highest level in history this month, the interest burden increased.



It seems that the phenomenon of variable interest rates becoming more expensive than fixed rates will continue for a while, and reporter Kim Jung-woo found out why.



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Office worker A borrowed 400 million won from a bank at a variable interest rate in September last year.



At first, the monthly interest was 800,000 won, but in less than a year, I am paying more than 60%.



[Mr A/Office worker: (This month) I think I spent about 1.3 million won.

I did that because the variable rate had more benefits than the fixed rate, but in fact, thinking about it now, it would have been better to use a fixed rate.]



However, Mr. A will have to pay more than 150,000 won in interest per month as early as today (17th).



The floating rate interest rate is based on the cofix, as it has risen by 0.52 percentage points, an all-time high this month.



Cofix is ​​set monthly by summarizing the expenses that banks spend in raising funds, such as time deposits and interest on savings savings.



Woori Bank's highest interest rate in 7 years has exceeded the 6% range, and other major banks have also risen to the mid-to-late 5% range.



The interest rates are rising in the same way as the Jeonse loans and negative bankbooks are based on Cofix.



However, the fixed rate follows the bond rate that the bank sells to pay off in five years, not the standard by Cofix.



Interest rates are falling as people buy safe bank bonds because they think the economy is going to get worse.



As a result, floating rates have become considerably more expensive than fixed rates, and this situation is likely to continue for a while.



This is because, as the Bank of Korea is expected to raise the base rate three more times this year alone, the linked variable rate will rise more, and on the contrary, interest rates on bank bonds are expected to fall further.



It also means that 80% of borrowers have a variable interest rate, which means that the interest burden is getting bigger and there is more room to spend.