韩国 银行（央行）12日向国会企划财政委员会所属议员朴成训办公室提交的一份资料显示，截至2025 年第三季度末，家庭贷款借款的人均贷款余额达9721万韩元，创下自2012年开始相关统计以来的最高纪 录。以去年第三季度末为准，人均贷款余额已连续第九个季度增加，而贷款人数为1968万人，为自2020 年第四季度末以来的最低水平。总体贷款余额为1913万亿韩元，已连续第六个季度呈现增势。 ...

Core Viewpoint - The four major banks in South Korea have increased household loans by 7.8 trillion KRW this year, exceeding their annual loan growth target by 32.7% [1] Group 1: Household Loan Growth - As of November 20, the total household loan increase from KB Kookmin, Shinhan, Hana, and Woori banks reached 7.8 trillion KRW [1] - This growth surpasses the banks' initial loan increment target set at the beginning of the year [1] Group 2: Loan Restrictions and Market Impact - Banks are currently restricting housing-related loans as part of their planned measures [1] - If housing prices in the capital region do not decline as expected, banks may find it difficult to ease loan requirements even when setting new targets for household loans next year [1] - Despite the restrictions, household loan volumes are expected to increase compared to the previous month [1] Group 3: Shift in Loan Types - Due to various real estate and household loan suppression policies, there has been a significant rise in credit loans used for paying housing deposits [1] - A considerable amount of funds is also flowing into domestic and international stock markets for investment purposes [1]