[이데일리 서대웅 기자] The interest rates on variable mortgage loans from major insurance companies rose slightly.
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According to the Life Insurance Association and the Non-Life Insurance Association on the 21st, among the insurance companies that handle real estate secured loans, five major insurance companies (Samsung Life, Hanwha Life, Kyobo Life, Samsung Fire and Hyundai Marine & Marine) are providing mortgage-backed loans (variable interest rates, installment payments) for this month. ) operating rates ranged from 3.72 to 5.66% per annum. Compared to a month ago, there was no significant change, but the upper end increased by 0.11 percentage points and the lower end by 0.01 percentage points.
In February, the average interest rate of the main loans handled by insurance companies was 3.59 to 5.04% per annum, up 0.34 percentage points from the average interest rate of each insurance company in January (3.68 to 4.70%).
In recent months, new insurance companies’ main loan interest rates have been gradually rising to reflect the market interest rate trend, and some insurance companies have recently lowered the upper end of their operating interest rates by adjusting additional and preferential rates. Samsung Life lowered its operating interest rate from 3.82-5.32% last month to 3.72-4.87% this month, and Shinhan Life lowered its operating interest rate from 4.06-5.16% to 4.00-4.36%, respectively.
Although insurance companies do not handle as large as banks, they often have lower interest rates than banks, and the loan limit may be higher as the standard for the total debt-to-income ratio (DSR) for each borrower is 10 percentage points higher than that of banks.
The interest rates on credit loans (without proof of income) were announced by the four life insurers at 9.01 to 9.76%, and Samsung Fire & Marine Insurance and DB Insurance at 8.52% and 8.12%, respectively.
