<Anchor>



In this shaky economic situation, the thing that directly affects real life is interest rates, that is, rising interest rates.

Fixed interest rates on home equity loans have already exceeded 7%.

In the midst of this, the number of revolving services that postpone card payment to next month is increasing.



Continuing to be reporter Im Tae-woo.



<Reporter> The



number of young people in their 30s and younger who use the 'revolving' service, which puts off some of the credit card payments due to next month, has increased significantly.



[Dayoung Hong/Revolving service user: (card price) is pouring out in installments, so it goes out little by little.

I think it's because there's no burden, so I use it that way.]



As a result, the monthly revolving usage has exceeded the all-time high and is now approaching 7 trillion won.



When the system is changed to pay less collateral when using card loans, it seems that they are moving to revolving, where exceptions are recognized.



The problem is high interest rates.



Card loan interest is also expensive, and revolving requires interest up to 18%.



High-interest loans approaching the legal maximum of 20% can create a vicious cycle of debt.



This interest burden will increase in the future.



As the U.S. raises the base interest rate one after another, it is predicted that the Bank of Korea will also raise the base rate by 1 percentage point within this year.



The fixed rate of mortgage loans has exceeded 7%, and the rate of variable and credit loans is also close to 7%, but by the end of the year, 8% is the default, and it is difficult to predict how far it will go up.



[Lee Jong-ryeol / Deputy Governor of the Bank of Korea (last 22nd): The steep rise in inflation and the resulting pressure to raise interest rates not only put a burden on borrowers' ability to repay their debts, but also risk exacerbating the volatility of the



financial market .]

As it moves, it is necessary to comprehensively review how to reduce existing loans.



(Video editing: Choi Hye-young, VJ: Park Hyeon-woo)



▶ Entering the 'risk' phase of the global financial market…

What is the impact on Korea?


▶ The KOSPI collapsed again…

"Exchange rate of 1,500 won is also possible"