韩国银行家户贷款连续第二个月下降

韩国银行家户贷款在1月份连续第二个月下降,这是为稳定住房市场而收紧放贷规定所致。1月末未偿余额为1,172.7万亿韩元,比12月减少1万亿韩元。此次下降反映了政府对首尔及首都圈房价飙升的应对措施。

韩国银行(BOK)数据显示,韩国银行家户贷款未偿余额在1月末为1,172.7万亿韩元(合8057.5亿美元),比上月减少1万亿韩元。这是继12月份自2025年1月以来首次下降后的连续第二个月下降。

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Bank of Korea Governor announces steady 2.5% interest rate amid Middle East war uncertainties.
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South Korea's Bank of Korea unanimously kept its benchmark interest rate unchanged at 2.5 percent on April 10, marking the seventh consecutive hold since July 2025 amid high uncertainty from the Middle East war, which has fueled inflation risks, growth slowdowns, and won weakness. Governor Rhee Chang-yong noted the won could strengthen quickly if tensions ease. The next policy meeting is May 28.

South Korean bank household loans continued their decline for a third consecutive month in February, falling to 1,172.3 trillion won ($799.11 billion) amid ongoing government lending curbs, though mortgages edged up slightly due to moving demand ahead of the new school year.

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South Korea's savings banks recorded a combined net profit of 417 billion won (US$278 million) in 2025, turning from a loss the previous year. The recovery was driven by a 455 billion won drop in loan-loss reserves and falling delinquency rates.

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Korean savings banks are intensifying efforts to enter the foreigner finance market amid a rising number of foreign residents. Traditionally dominated by commercial banks, this sector is seeing tailored products from savings banks. Industry officials highlight initiatives to improve financial access for migrant workers.

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