Household Loans, July 2026

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Household Loans, July 2026
Aug 14, 2026

In July 2026, the outstanding balance of household loans across all financial sectors increased KRW6.2 trillion (preliminary), rising at a slower pace compared with the previous month (up KRW8.3 trillion) .

(By Type)

Home-backed mortgage loans increased KRW3.5 trillion, growing at a slower pace compared with the previous month (up KRW4.5 trillion) . Banks (up KRW4.3 trillion → up KRW3.4 trillion) and nonbanks (up KRW0.3 trillion → up KRW0.1 trillion) both saw the pace of growth decelerating.

Other types of loans edged up KRW2.7 trillion, rising at a slower pace compared the previous month (up KRW3.8 trillion) with credit loans growing at a slower level (up KRW2.6 trillion → up KRW2.0 trillion) .

(By Sector)

In July 2026, household loans in the banking sector rose KRW5.4 trillion, slowing down from the growth of KRW7.6 trillion in the previous month. Banks’ own mortgage loans (up KRW2.9 trillion → up KRW2.5 trillion) and policy-based mortgage loans (up KRW1.4 trillion → up KRW0.9 trillion) both edged up at slower rates. Other types of loans (up KRW3.3 trillion → up KRW2.0 trillion) also decelerated.

In the nonbanking sector, household loans rose KRW0.8 trillion, growing at a similar level seen in the previous month (up KRW0.8 trillion) . Mutual finance businesses (up KRW0.2 trillion → down KRW0.7 trillion) saw the pace of growth turning back lower, while savings banks (down KRW0.2 trillion → up KRW0.5 trillion) and specialized credit finance businesses (down KRW0.2 trillion → up KRW0.3 trillion) saw the pace of growth shifting back higher. Insurance companies (up KRW1.1 trillion → up KRW0.7 trillion) saw the pace of growth decelerating.

(Assessment)

In July 2026, the pace of household loan growth for home-backed mortgage loans (up KRW4.5 trillion → up KRW3.5 trillion) and other types of loans (up KRW3.8 trillion → up KRW2.7 trillion) slowed down due to the effects of self-regulatory and voluntary management measures implemented by financial companies.

However, since there are expectations that housing prices may increase in the Seoul metropolitan area with the presence of other risk factors such as a growth in housing transactions and seasonal demand hike, it is necessary to continue to closely monitor relevant trends and strictly manage the pace of household loan growth.

(Housing Finance Measures)

The comprehensive financial sector measures to stabilize the real estate market introduced yesterday are aimed at maintaining consistent and strict control over speculative demand while shoring up relevant measures to boost the supply of housing and expand the availability of financial support for non-speculative homebuyers and renters (particularly young adults).

In this regard, financial companies and related organizations are urged to actively participate in making sure a seamless implementation of the announced measures.

As the measures necessitate an upward adjustment of the previously set growth target for this year, financial companies should work to make sure that their freed up lending capacity is directed toward non-speculative homebuyers and renters in the form of relocation loans and so on for particular purposes that fit specific categories under the newly announced measures. In this regard, it is critical to make sure that the freed up lending capacity in the financial sector is not viewed as an easing of loan regulations or household loan management.

The FSC will work to swiftly implement the housing finance measures to help expand the supply of housing and boost support for non-speculative homebuyers and renters.

• Please refer to the attached PDF for details.

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