[South Korea's Choice Financial newspaper reporter] was raised to analyze financial debt would surge to 25 trillion won of a 1 percentage point interest rate rise 'marginal households.
Y. In addition, according to data the National Assembly Planning and Finance Committee Democrats received 28 days to submit at the Bank of Korea, Financial debt held by the three years of the end of 2016 is limited to households 289.7 trillion won, or 32.7% of total financial liabilities.
Household financial assets is limited in the conditions and minus net financial assets minus financial liabilities refers to the principal and interest payments to disposable household income ratio exceeds 40%. It is expected that the loan rate rises to increase both the number of households and limit their financial liability, the interest payments.
Assuming the situation lending interest rates rise 1%, marginal households increasing by 1.573 million households 69 000 Furniture, household annual limit household interest payments are to ₩ 8,913,000 to ₩ 1,359,000 increased from 7.554 million won It showed.
Another limitation of the financial liability households were estimated to surge 24.7 trillion won to 314.4 trillion won. US Federal Reserve (Fed) is expected to rise, the interest rate of one year, subject to the policy rate hikes 2-3 times larger households hit this limit.
Y. lawmakers' needs to the government to pay more attention to the elderly vulnerable household have only low-income real estate assets' income, jeosinyong, multiple debtors, such as the so-called need a debt measures of vulnerable borrowers' said he pointed out did.
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