[이데일리 서대웅 기자] Loans from the second financial sector with relatively high interest rates increased significantly among those in their 20s. The number of multiple debtors who are more likely to become vulnerable borrowers and the amount of loans also increased from those in their 20s. The quality of household loans in their 20s has deteriorated.
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According to data received from the Financial Supervisory Service by Jin Seon-mi, a member of the National Assembly’s Political Affairs Committee, on the 8th, the balance of household loans from all financial institutions in their 20s at the end of March was 956.65 trillion won, down 146.2 billion won (0.2%) from the end of last year.
As banks raised their loan thresholds due to the regulation on the total amount of household loans, loans in their 20s were affected by a decrease of 419.2 billion won (0.6%) during this period.
On the other hand, the balance of loans to households in their 20s from the second financial sector increased by 272.9 billion won (1.0%) from three months ago to 26.831.6 billion won, and unlike the banking sector, the increase continued this year as well. Even considering that household loans of all age groups increased (3.336 trillion won or 0.4%) in the second financial sector during the same period, the rate of increase (1.0%) in their 20s continued steeply.
The number of multiple debtors also increased by 5,000 from 369,000 to 374,000 during the same period. The amount of loans to multi-debtors in their twenties increased by 228.9 billion won (1.0%) in three months to 23,281.4 billion won at the end of March.
The number of multiple debtors by all age groups fell by 5,000 from March this year to March. The amount of loans also decreased by 2.59 trillion won (0.4%) in three months.
A multi-debtor is a person who borrows money from three or more institutions (including loan businesses) and is highly likely to lead to vulnerable borrowers. In particular, Rep. Jin pointed out that people in their twenties have a relatively low income level, requiring more special attention.
Rep. Jin said, “I am concerned that the debt burden of young people in their 20s, who are new to society, will increase excessively as interest rates rise sharply before the economy, which has been depressed due to Corona 19, even recovers. There is an urgent need to come up with countermeasures.”