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This year, the proportion of young people in their 20s and 30s has risen among those with new debts.
In particular, the average loan size of new borrowers (borrowers) in this age group increased by almost 20% this year, registering the highest growth rate of all age groups.
26th Bank of Korea Household Debt Database[012030]According to), the number of new borrowers represented 6.7% of all borrowers until the third quarter of this year, which was lower than last year (7.1%).
However, the amount of debt of new borrowers was 3.7% of the total, an increase of 0.4 percentage points from last year (3.3%).
This is because the average loan amount of new borrowers increased by 17.3% from 39.09 million won in 2019 to 45.84 million won this year.
Looking at new borrowers by age group, the proportion of all new borrowers age 30 and younger was 58.4% (based on number of borrowers) through the third quarter of this year. This share has increased each year from 49.5% in 2017.
On the other hand, the proportion of new borrowers aged 40 years decreased from 19.4% in 2017 to 14.9% this year, and also 50 years old (16.9% → 13.8%) and 60 years and over (14.2% → 12.9%). When based on the amount of debt held, the pattern was similar.
The debt of new debtors aged 30 and under this year represented 55.3% of the total, higher than last year (52.4%), and the rest of the age groups decreased at the same time.
The debt growth rate of new borrowers age 30 and under outpaced all other age groups.
As of the third quarter of this year, their average debt holding amount was 43.55 million won, which was less than other age groups, but increased 19.9% from the average debt of new minor lenders. 30-year-old from last year (36.32 million won) at the end of last year.
This rate of increase exceeds age 40 (53.93 million won, + 16.9%), age 50 (47.77 million won, + 14.4%), and age 60 and over (46.1 million won). won, 12.9%).
Han Eun explained, “Young people have a lot of loans for the first time in their lives due to employment etc., but it seems that the scale of loans has increased as home purchases have increased in recent years.
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