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Last week, it was revealed which bank was making money by selling interest, and today (30th) the results of how many financial institutions have responded to customers' requests to cut interest rates were revealed.

However, it turns out that Internet banks cut interest rates more than commercial banks.



This is reporter Im Tae-woo.



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Mr. Lee, an office worker, asked the bank he borrowed money to lower the interest rate because his salary increased this year.



This is because, even in the middle of a loan, if your credit improves, such as for a promotion or a job, you can ask for a rate cut.



However, he rejected Mr. Lee's request, saying the bank didn't raise his salary enough to cut interest rates.



[Mr. Lee/Office worker: Interest rates have continued to increase this year, so I tried to relieve the burden of household spending as much as possible, but it was very disappointing that it was not possible.]



More than 7 out of 10 interest rate cut requests received at the bank last year was rejected.



The government decided that it would not be possible to induce interest rate cuts to this extent, so it decided to disclose the results of interest rate cuts twice a year.



As a result, in the first half of this year, K-Bank, an internet bank, reduced interest by KRW 5.3 billion.



As for the number of cases, Kakao Bank took the first place with 87,000 cases.



It is analyzed that it is the effect of receiving the request for a rate cut online.



Among the five major banks, Shinhan Bank, which has been receiving interest rate cuts online for both household and corporate loans, took the top spot by cutting interest rates by more than 4.7 billion won.



Other banks that only accept face-to-face applications have as many as one-tenth the number.



[Bank Federation official: The application is convenient, and the more information you give, 'Please use it well because you have the right to request a rate cut', the borrower will become more aware of the right to request a rate cut...

.]



It is expected that the battle for the eyes of banks will become more intense in order not to use the industry's last stigma due to the successive disclosure of information.



(Video coverage: Kim Se-kyung, video editing: Nam Il)