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September saw persistent demand for new mortgage loans despite a long holiday and various financial regulations. September saw persistent demand for new mortgage loans despite a long holiday and various financial regulations. While overall household loan balances have slowed, housing-related mortgage loans remain robust, particularly in the capital area. As such, the Bank of Korea (BOK) faces increasing pressure regarding its upcoming decision on whether to cut the base interest rate. 1. Mortgage Loan Trends in September In September, despite the Chuseok holiday, demand for new mortgage loans in Seoul and the surrounding metropolitan area remained strong. The five major banks reported a total of 7.8 trillion won in new housing-related mortgage loans as of September 26th, with a daily average of 3.41 trillion won. This represents only a 5% decline from August's record-high levels, indicating sustained high loan demand. Given the nature of housing purchases, many buyers had already s...

In the second week of August, apartment prices in Seoul rose by an average of 0.32%, marking the largest increase in nearly six years and eleven months. In the second week of August, apartment prices in Seoul rose by an average of 0.32%, marking the largest increase in nearly six years and eleven months. According to the Korea Real Estate Agency, as of August 12, the average selling price of apartments in Seoul increased by 0.32%, continuing a 21-week upward trend. This represents a 0.06 percentage point increase compared to the previous week (0.26%). This is the highest rate of increase since the second week of September 2018 (0.45%). In the second quarter of this year, household debt (household credit) increased again, setting a new record for the highest amount ever. This surge is attributed to the expectations of a drop in interest rates and rising housing prices, leading to a significant increase in household loans, especially mortgages. According to the Bank of Korea's '2...

home prices in Seoul have surged Recently, home prices in Seoul have surged, leading to a significant increase in the balance of mortgage loans from major banks. Despite efforts by banks to tighten mortgage loan conditions, the demand for loans remains high due to expectations of continued home price increases. This month, the balance of mortgage loans from major banks has increased by over 5 trillion won, driven by the ongoing rise in home prices in Seoul. According to data released on the 28th, the balance of household loans from the top five banks (KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup) reached 713.3072 trillion won as of the 25th, up by 4.7349 trillion won from the end of June, when the balance was 708.5723 trillion won. The increase this month exceeds 5 trillion won, marking the largest monthly rise since July 2021. In particular, the balance of mortgage loans, which was 552.1526 trillion won at the end of June, has increased by 5.2589 trillion won by the 25th of this...