Household Loans, June 2026

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Household Loans, June 2026
Jul 09, 2026

In June 2026, the outstanding balance of household loans across all financial sectors increased KRW8.3 trillion (preliminary), growing at a slower pace compared with the previous month (up KRW9.3 trillion) .

(By Type)

Home-backed mortgage loans grew KRW4.5 trillion, rising at a slightly faster pace compared with the previous month (up KRW4.0 trillion) . Mortgage loans rose more rapidly in the banking sector (up KRW3.2 trillion → up KRW4.3 trillion) , while growing at a slower pace in the nonbanking sector (up KRW0.8 trillion → up KRW0.3 trillion) .

Other types of loans grew KRW3.7 trillion, rising at a slower pace compared with the previous month (up KRW5.3 trillion) , with credit loans (up KRW3.6 trillion → up KRW2.6 trillion) edging up more slowly.

(By Sector)

In June 2026, household loans in the banking sector rose KRW7.6 trillion, growing more rapidly from the previous month (up KRW6.9 trillion) . Banks’ own mortgage loans (up KRW2.1 trillion → up KRW2.9 trillion) and policy-based mortgage loans (up KRW1.0 trillion → up KRW1.4 trillion) edged up more rapidly, while other types of loans (up KRW3.7 trillion → up KRW3.3 trillion) expanded at a slower pace.

In the nonbanking sector, household loans went up KRW0.7 trillion, growing at a slower pace compared with the previous month (up KRW2.4 trillion) . Mutual finance businesses (up KRW0.8 trillion → up KRW0.1 trillion) saw household loans rising at a slower pace, while insurance companies (up KRW0.9 trillion → up KRW1.0 trillion) saw a slight increase the pace of growth. Specialized credit finance businesses (up KRW0.6 trillion → down KRW0.2 trillion) and savings banks (up KRW0.2 trillion → down KRW0.3 trillion) saw household loans shifting back lower from the growth seen in the previous month.

(Assessment)

In June 2026, home-backed mortgage loans
(up KRW4.0 trillion → up KRW4.5 trillion) went up at a faster pace due to recent increases in housing transactions and group lending for apartment subscription. However, other types of loans (up KRW5.3 trillion → up KRW3.7 trillion) including credit loans expanded at a slower pace backed by the banking sector’s own self-regulatory measures to curb credit loans. This helped to slow down the pace of overall household loan growth in June (up KRW9.3 trillion → up KRW8.3 trillion) .

Considering that there is usually a time lag between the time of housing transaction and the time that mortgage loan is being issued, it remains possible to see increased volumes in mortgage loans for some time. Therefore, financial companies are urged to step up efforts to manage the pace of household loan growth.

As it is possible to see credit loans increasing more rapidly in the future due to significant demands for stock investments, it is necessary to proactively manage the pace of growth in credit loans. In this regard, individual investors are advised to make investments within their own risk appetite and with full awareness of the risks involved.

With regard to companies’ own internal employee lending programs, individual companies are urged to bolster self-management measures to help prevent the spread of instability in the housing market.

• Please refer to the attached PDF for details.

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