借款人层面家庭债务统计编制结果

December 2025 Household Debt DB SectionEconomic Statistics Department Ⅰ. Statistical Overview □(Purpose of Compilation&Significance)This statistical compilationprovidesdetailed micro-level information on borrowers’individual oIt is expected to contribute to the analysis of trends and structuralfeatures ofhousehold debt,as well as to the formulation of policies □(Method of Compilation)These statistics are compiled using sample oBased on a sample representing 4.8%(about2.35 million people as ofDecember 2024)of people aged 18 years and above who possess credit □(Expected Outcomes)With the addition of the newly introducedborrower-levelhouseholddebtstatistics(micro-levelinformation)alongside the existing household credit statistics(macroeconomic aggregate II.Compilation Results of Borrower-Level Household Debt Statistics for □(Newly Issued Household Loan Amounts and Shares)Compared with2013, the newly issued household loans*per borrower in 2024 amountedto KRW 38.79 million, an increase of KRW 7.45 million. By share(on atotal amount basis), the majority of newly issued loans was accounted forby borrowers in their30s and 40s(58.0%),the Seoul metropolitan area *mortgage loans per borrower stood at KRW 209.70 million, an increase of KRW o(By age group)Compared with 2013, the average newly issued loansin 2024 increased for those in their 20s(+KRW 7.59 million), 30s(+KRW22.53million),and 40s(+KRW9.87 million),while it declined for those o(By region)Compared with 2013,the increase in the average amount in 2024 was significantly sharper in the Seoul metropolitan * Daegu-Gyeongbuk region: + KRW 4.58 millionGangwon-Jeju region: + KRW 4.56 millionGwangju-Jeolla region: + KRW 3.15 million o(By financial institution type)Compared with 2013,the averageamountincreased in Banks(+KRW17.34 million)andother financialinstitutions(+KRW 2.51 million), while it declined in the NBFI(－KRW o(By loan type)Compared with 2013,the average amount in 2024increasedfor mortgage loans(+KRW111.85 million)andJeonse loans(+KRW55.05million,comparedwith2017),whileitdeclinedfor □(Outstanding Household Loan Balances)At the end of 2024,theoutstandinghousehold loan balance per borrower stood at KRW up KRW 56.51 million from 2013. o The share of mortgage loans in total household loansbasis)declined from 50.7% at the end of 2013 to 50.0% at the end of III. CompilationResults of Borrower-Level Household Debt Statistics for □(Newly Issued Household Loan Amounts and Shares)In the thirdquarterof 2025,newly issued household loans per borrower*amountedto KRW 38.52 million,an increase of KRW 0.26 millionfromthe previous quarter.By share,the * mortgage loansper borrower amounted to KRW 227.07 million, an increase of o(By age group)The average newly issued loan amounts increased fromthe previous quarter for borrowers in their 30s(+KRW 2.43 million)and40s(+KRW 0.72 million), while they declined for those in their 20s(－KRW o(By region)The average newly issued loan amounts increased in theSeoul Metropolitan Area(+KRW 0.75 million), Chungcheong region(+KRW 0.66million),Gwangju-Jeolla region(+KRW0.34 million),and Daegu-Gyeongbuk o(By financial institution type)Compared with the previous quarter, theaverage amount increased in Banks(+KRW 1.59 million), NBFIs(+KRW 2.32 o(By loan type)Compared with the previous quarter, the average amountincreasedfor mortgage loans(+KRW17.12 million),non-mortgage secured declinedfor unsecured loans(－KRW 3.85 million)other loans. □(Outstanding Household loan balance)As of the end of Q3 2025, theaverage household loan balance per borrower stood at KRW 96.74 million, oThe share of mortgage loans in household loans(on a total amount basis)rose from 50.8% at the end of Q2 2025 to 51.2% at the end of Q3 2025. IV. Future Plans □This initial release(December 2025), quarterly data covering the period fromQ12013 to Q3 2025,as well as annual time series,will be published.From 2026 onward, data will be released every quarter(in February,May, (KRW 100,000; %) (KRW 100,000, %)