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With the likelihood of an interest rate cut by the Federal Reserve and the Bank of Korea increasing, the banking sector faces a state of emergency over household debt management. With the likelihood of an interest rate cut by the Federal Reserve and the Bank of Korea increasing, the banking sector faces a state of emergency over household debt management. Rising household debt, stricter loan regulations, and falling deposit rates are causing significant shifts in the financial landscape. This article explores the current situation and its impacts on banks and consumers. 1. Interest Rate Cuts and Rising Household Debt The Federal Reserve is expected to cut interest rates starting in September, leading to speculation that the Bank of Korea will also lower its benchmark interest rate (currently at 3.50%) as early as October. This imminent rate cut is raising alarms about household debt management. As housing prices in the metropolitan area have surged, household debt reached an all-time h...