Household loans again rise in Oct. despite tightened rules, higher rates

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SEOUL, Nov. 2 (Yonhap) -- Household loans by major banks again rebounded in October from a month earlier despite tight borrowing regulations and higher rates, data showed Monday.

Outstanding household loans at five major lenders -- KB Kookmin Bank, Shinhan Bank, Hana Bank, Woori Bank and NH Nonghyup Bank -- stood at 783.6 trillion won (US$584 billion) as of end-October, up 2.77 trillion won from the previous month, according to data compiled by the banks.

The rebound came a month after such loans fell for the first time in six months.

The rise in household loans by banks was mainly attributed to a rise in both mortgage and credit loans.

Mortgage loans rose for the seventh consecutive month in October, gaining 1.7 trillion won to 623.99 trillion won at the end of last month, according to the data.

Credit loans also advanced 669 billion won to 108.89 trillion won over the cited period, following the previous month's 1.34 trillion-won fall.

The Bank of Korea (BOK) kept its benchmark interest rate unchanged last month at 3 percent after two consecutive rate hikes to give the central bank time to assess economic conditions amid prolonged tensions in the Middle East and robust exports.

The rate freeze came after the BOK raised the benchmark rate in its July and August meetings, citing "preemptive action" to curb mounting inflationary pressure and ensure macroeconomic stability.

This file photo taken July 23, 2026, shows apartment complexes in central Seoul. (Yonhap)

Banks' household mortgage lending rates up for 5th month in Sept.

Banks expected to maintain tight lending standards in Q4: BOK survey

Household loans grow slowest in 7 months in Sept. on tighter rules, higher rates

Household loans again rise in Oct. despite tightened rules, higher rates

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首尔，11月2日（韩联社）——周一公布的数据显示，尽管借贷监管严格、利率上升，但10月份主要银行的家庭贷款额较上月再次反弹。

根据银行统计的数据，截至10月底，五大贷款机构——KB国民银行、新韩银行、韩亚银行、友利银行和NH农协银行——的未偿还家庭贷款总额为783.6万亿韩元（5840亿美元），比上月增加了2.77万亿韩元。

此次反弹发生在此类贷款六个月来首次下降一个月后。

银行家庭贷款的增加主要归因于抵押贷款和信用贷款的增加。

数据显示，10月份抵押贷款连续第七个月增长，截至上月底增加1.7万亿韩元，达到623.99万亿韩元。

在上述期间，信贷贷款也增加了6690亿韩元，达到108.89万亿韩元，此前一个月信贷贷款减少了1.34万亿韩元。

韩国央行上个月将基准利率维持在 3% 不变，此前连续两次加息，以便央行有时间评估中东持续紧张局势和强劲出口带来的经济状况。

韩国央行在 7 月和 8 月的会议上提高了基准利率，随后宣布冻结利率，理由是采取“先发制人”措施来遏制不断上升的通胀压力，确保宏观经济稳定。

这张摄于2026年7月23日的资料照片显示了首尔市中心的公寓楼群。（韩联社）

银行家庭抵押贷款利率在9月份连续第五个月上涨。

韩国央行调查显示，预计银行第四季度将维持严格的贷款标准。

受监管收紧和利率上升的影响，9月份家庭贷款增速降至7个月以来的最低水平。

尽管监管收紧、利率上升，10月份家庭贷款再次增加。