2분기 주담대 평균 2억829만원...1분기 대비 2110만원↓

The 2nd quarter average household loan in South Korea amounted to ₩2.829 billion, a decrease of ₩2.110 billion compared to the 1st quarter. According to Korea's financial regulatory agency, the new handling amount for household loans, including housing loans, fell below the amount from the previous quarter. The new handling amount for household loans per individual dropped by ₩128 million, and for housing loans, it decreased by ₩2.110 million.

The finance agency attributed this decrease to the strengthened loan management in the financial sector. As of the 2nd quarter, the average household loan balance increased by ₩50 million, while the average housing loan balance rose by ₩187 million. Despite the decline in new handling amounts, existing borrowers' increased borrowings or refinancing could account for the higher balances.

The data, based on "Nice" (National Information Center for Economic Statistics) individual credit information, includes credit totals from credit rating agencies, reflecting household credit, loans, and credit extensions. The statistics differ in scope from "Household Financial Well-being Survey," which provides a narrower view of household debt.

When analyzing new handling amounts by age group, a decrease was observed among those in their 40s and 30s, while only the 20s saw an increase. For housing loans, the same age groups experienced significant declines, with the 20s being the sole exception. The finance agency suggested that the rise in 20s might be due to first home loans in low-regulation areas such as the capital region and certain suburban zones.

Regionally, the decline was evident in the metropolitan area and the southern region, with the southwestern region showing a slight increase. This was likely due to a rise in housing-related loans during the 2nd quarter, particularly in major cities like Sejong and Gwangju. Among financial institutions, the largest declines were observed among non-bank lenders, followed by housing loans and mortgage loans. In terms of composition, housing loans and mortgage loans saw the most significant reductions.