Household loans fall for 1st time in six months on tightened rules, higher rates

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SEOUL, Oct. 1 (Yonhap) -- Household loans by major banks fell for the first time in six months last month in the face of tight borrowing regulations, data showed Thursday.

Outstanding household loans at five major lenders -- KB Kookmin Bank, Shinhan Bank, Hana Bank, Woori Bank and NH Nonghyup Bank -- stood at 780.83 trillion won (US$575 billion) as of end-September, down 1.28 trillion won from the previous month, according to data compiled by the banks.

Household loans have been on a steady rise since April this year due to a rise in mortgage and credit loans.

The fall in household loans by banks was mainly attributed to a decline in credit loans, which posted a decrease of 1.34 trillion won last month.

Mortgage loans, meanwhile, continued to rise, gaining 125 billion won in September to 621.39 trillion won at the end of last month, according to the data.

The Bank of Korea raised the benchmark interest rate to 3 percent over two straight meetings in July and August, marking the first back-to-back rate hikes since January 2023, when the central bank raised the rate at seven consecutive meetings starting in April 2022.

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

Household loans fall for 1st time in six months on tightened rules, higher rates

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首尔，10月1日（韩联社）——周四公布的数据显示，由于严格的借贷监管，上个月主要银行的家庭贷款六个月来首次下降。

根据银行统计的数据，截至9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780.83万亿韩元（5750亿美元），比上月减少了1.28万亿韩元。

由于抵押贷款和信用卡贷款的增加，家庭贷款自今年4月以来一直稳步增长。

银行家庭贷款下降主要归因于信贷贷款的减少，上个月信贷贷款减少了 1.34 万亿韩元。

数据显示，与此同时，抵押贷款继续增长，9 月份增加了 1250 亿韩元，到上月底达到 621.39 万亿韩元。

韩国央行在7月和8月的两场连续会议上将基准利率上调至3%，这是自2023年1月以来首次连续加息。此前，韩国央行从2022年4月开始，连续七次会议加息。

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）

受监管收紧和利率上升影响，家庭贷款六个月来首次下降。