서울 한 시중은행의 대출 안내문 앞을 시민이 지나가고 있다.[연합][헤럴드경제=김광우 기자] 20세 이하 차주들의 은행권 주택담보대출 연체율이 1년 새 급등해 타 연령대에 비해 두 배 이상 높은 상태인 것으로 나타났다. 특히 갓 성인이 된 만 19세 차주의 경우 5명 중 1명이 연체 상태에 놓여 있었다. 연령 특성상 고용이 불안한 이들이 충분한 소득을 벌어들이지 못했거나, 금리 상승으로 치솟은 이자를 납부하지 못한 것으로 보인다.7일 국회 기획재정위원회 소속 양경숙 더불어민주당 의원이 금융감독원으로부터 받은 자료에 따르면 국내은행의 2분기 말 기준 만 20대 이하 연체율(1개월 이상 원리금 연체 기준)은 0.44%로 전년 동기(0.21%)와 비교해 두 배 이상 증가했다. 이는 타 연령대 연체율(0.17~0.21%)과 비교해 두 배 이상 높은 수준이다.은행권은 20대 이하 연체율이 사실상 역대 최고 수준이라고 분석했다. 한 시중은행 관계자는 “2018년 이전 연령별 연체율이 제출되지 않았지만, 최근 5년 사이 부동산 가격 급등과 저금리 등으로 20대의 대출과 연체액이 급증한 만큼 연체율도 역대 최고 수준으로 추정된다”고 말했다.

서울 한 부동산중개사무소 앞을 시민이 지나가고 있다.[연합]실제 20대 이하의 주담대 잔액은 6월 말 현재 34조2500억원으로 2018년 9월 말(13조4700만원)의 2.54배에 달한다. 같은 기간 해당 연령대의 연체액은 200억원에서 1500억원으로 7.5배 증가했다.30대 연체율(0.17%)의 경우 2019년 3분기 말(0.17%) 이후 가장 높았다. 40대 연체율(0.21%)는 2019년 4분기 말(0.21%) 이래 최고 기록이었다. 50대(0.2%)와 60대(0.21%)는 각 2020년 2분기 말 0.20%, 같은 해 1분기 말 0.22% 이후 최고점을 찍었다.특히 19세 이하의 주택담보대출 연체율은 올해 2분기 말 현재 20%에 이르는 것으로 나타났다. 2022년 1분기 말까지 0%대를 유지했던 19세 이하 연체율은 최근 1년 사이 7.
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<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">완산구 방수</a>
<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">덕진구 방수</a>
<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">의창구 방수</a>
<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">성산구 방수</a>
<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">마산합포구 방수</a>
<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">마산회원구 방수</a>
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<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">남동구 방수</a>
<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">부평구 방수</a>
<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">계양구 방수</a>
<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">광산구 방수</a>
<a href="https://dahaeyo.co.kr/Waterproof" target="_blank" rel="noreferrer noopener">유성구 방수</a>
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