주담대 차주 37% "신용대출까지 받아"… 한은 금리 인상땐 이자부담 '직격탄'

AI Summary

Major South Korean banks' household loan balances have increased by over 6 trillion won in just two months, reversing previous declines. With lending regulations tightening, homebuyers are increasingly funding property purchases through asset sales (stocks, bonds) and family transfers rather than traditional bank loans. Additionally, mortgage borrowers face mounting vulnerability, with over one-third simultaneously carrying personal loans alongside mortgages, leaving them exposed to interest rate increases.