Bank Household Loans Rise As Growth Slows

Дата публикации: 14-08-2026 11:56:07

Bank household loans rose by 5.4 trillion won, or approximately $3.82 billion, last month, marking five consecutive months of growth. While the increase was 2.2 trillion won smaller than the previous month’s gain of 7.6 trillion won, it was still roughly double the 2.7 trillion won recorded in July

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Bank household loans rose by 5.4 trillion won, or approximately $3.82 billion, last month, marking five consecutive months of growth. While the increase was 2.2 trillion won smaller than the previous month’s gain of 7.6 trillion won, it was still roughly double the 2.7 trillion won recorded in July of the previous year. Over the most recent three-month period, household loans expanded by a cumulative 19.9 trillion won, indicating that the overall pace of growth remains elevated.

According to the “July 2026 Financial Market Trends” report released by the Bank of Korea on Aug. 14, the outstanding balance of bank household loans stood at 1,194.8 trillion won at the end of last month. By loan category, mortgage loans rose by 3.4 trillion won to reach an outstanding balance of 948.4 trillion won. The increase reflected, with a time lag, the impact of rising home transactions in the Seoul metropolitan area. However, the pace of growth slowed by 900 billion won from the previous month’s 4.3 trillion won as a decline in jeonse transactions coincided with weaker demand for interim payments.

Other loans, including unsecured credit loans, rose by 2 trillion won to 245.4 trillion won. The smaller increase was attributed mainly to weaker borrowing demand as retail investors’ appetite for stock investment cooled. Individual net stock purchases fell sharply from 52 trillion won in June to 3.4 trillion won in July. The Bank of Korea said other loans are expected to gradually stabilize as conditions in the stock market stabilize.

Unlike household loans, corporate lending accelerated. Bank loans to businesses rose by 7.7 trillion won in July, bringing the outstanding balance to 1,421.1 trillion won and marking an increase from the previous month’s 5.1 trillion-won gain. Loans to small and medium-sized enterprises increased by 3.9 trillion won, driven by demand related to value-added tax payments and expanded bank lending activities. Loans to large corporations also rose by 3.8 trillion won, supported by demand for working capital to repay corporate bonds.

In direct financing markets, corporate bonds posted net repayments of 1.9 trillion won, extending an eight-month decline. Higher interest rates and seasonal weakness weighed on new issuance. Commercial paper and short-term notes, however, swung to net issuance of 4 trillion won, while equity issuance increased to 1.5 trillion won on rights offerings by several large corporations.

Bank deposits reversed course and posted a net decline of 30 trillion won. Demand deposits fell by 80.8 trillion won, marking the largest drop since the series began. The decline reflected an outflow of corporate funds that had flowed into banks ahead of quarter-end financial-ratio management, combined with demand for value-added tax payments. Time deposits, by contrast, surged by 42.3 trillion won as banks sought to secure funding for lending and large corporations placed surplus cash in fixed-term deposits.

The Bank of Korea struck a cautious tone on the outlook for household lending. Lee Seung-yeop, deputy director of the Bank of Korea’s Market Operations Team, said that “various factors, including recent conditions in the housing market and policy changes such as the government’s tax reform proposals and housing supply and financial support measures, could have complex effects on loan demand,” adding that “it is difficult at this point to predict the trajectory of household lending after August.”

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