The fever for real estate and stock investments is reigniting, with household loans surging... increasing by 2.2 trillion won in just four days.

 

 

 

Amid recent expectations of interest rate cuts, enthusiasm for investing in the real estate and stock markets is heating up again.

Major commercial banks are seeing a sharp increase in household loans, indicating a revival of the leverage (borrowed) investment boom for the first time in about three years.

In early July, the balance of household loans at the five major commercial banks increased by more than 2 trillion won in just four days.

In particular, the balance increased by more than 5 trillion won in June alone, marking the largest increase since July 2021.

Both mortgage loans and credit loans have been on the rise, which can be attributed to the recovery in housing transactions, the decline in market interest rates, and the impact of public offering subscriptions.

The price of apartments in Seoul has recorded the largest increase in 2 years and 9 months, signaling a clear recovery in the real estate market.

In the stock market, demand for investment through borrowing is also reviving.

The KOSPI has hit its highest point in 2 years and 5 months, and the US stock market is also booming.

Policy factors such as the delay in the implementation of the second phase of DSR, the decline in market interest rates, and expectations of interest rate cuts are also influencing the increase in household loans.

The mortgage loan rates at major commercial banks have recently decreased by 0.040 percentage points at the lower end and 0.075 percentage points at the upper end over the past two weeks.

The surge in household loans is analyzed as a result of a complex interplay of the fever for real estate and stock investments, policy factors, and expectations of interest rate cuts.

Commercial banks are closely monitoring the speed of loan increases and responding to the loan demands of actual consumers.

However, there are also concerns about the need for consistent policies to manage household debt and the management of financial risks associated with the increase in loans.

출처 : 산경투데이(https://www.sankyungtoday.com)

 

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The fever for real estate and stock investments is reigniting, with household loans surging... increasing by 2.2 trillion won in