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There are many people who are worried about bank debt, but today (16th), interest rates on loans rose again.



This is because Cofix, which is the standard for various loan interest rates, has jumped to an all-time high, and reporter Jeon Yeon-nam reports how much the interest burden increases.



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Starting today, banks have raised the interest rates on new variable-rate loans.



No matter how good your credit rating is, you have to pay up to the late 5% annual interest rate on commercial bank mortgage loans, and it has risen to the upper half of the 7% annual maximum.



This is the result of the Cofix rate, which was only in the 1% range at the beginning of this year, rising to an all-time high of 3.98% as the base rate continues to rise.



Cofix is ​​a quantification of the cost that banks spend in obtaining funds, and it is the standard for various loan rates.



If you borrowed KRW 300 million with a variable interest rate of 30 years, you paid about KRW 1.2 million in monthly principal and interest when the interest rate was 3% in June of last year. should pay more.



[Mr. A: (The interest rate) has risen almost twice as much now.

The 1st financial sector is now at 5%, and it has gone up cheaply now, and in the case of the 2nd financial sector, it has risen like this by 12%.

I have to tighten my belt and do my best to pay off the loan quickly.]



Because of this, a special interest rate cap special agreement that raises the interest rate by only 0.75% per year instead of paying a little more interest is belatedly popular.



Existing borrowers can also be added, but last month, the number of subscribers at the five major banks increased by 43% from the previous month.



[Lee Jung-hwan/Professor of Hanyang University's Department of Economics and Finance: It has the advantage of relieving some of the burden of interest rate hike pressure, but it is true that if interest rates do not rise rapidly next year, various considerations are needed about the current need for interest rate ceiling loans. )]



Next week, as the Bank of Korea is likely to raise the base rate for the last time this year, it is expected that the loan interest rate will soar to 8% per year by the end of the year.



(Video editing: Hyeyoung Choi, VJ: Sanghyuk Kim)