Office worker Koryo-hoon tried to get a fixed mortgage loan while buying his newlywed home. It is said that the base interest rate is likely to rise as early as this month, so if you take out a variable loan, the interest rate is likely to rise frequently. However, I recently changed my mind when the interest rate on a 5-year fixed product exceeded 5% per annum. Mr. Ko confessed, “I thought the variable interest rate would be higher, but it is actually 1 percentage point lower than the fixed type, so I think I will have to choose the variable type even if I have to bear the burden of interest rates rising in the future.” It was found that the interest rates on fixed mortgage loans from major commercial banks have risen as high as during the ‘Legoland incident’, which caused a funding crunch in the domestic financial market. The expectation that the base interest rate will rise as early as this month is growing stronger, and the market interest rate has risen earlier, and banks have no incentive to keep interest rates low due to the regulation of total loan volume. As the base interest rate is expected to rise in earnest, the government plans to lower the interest rate burden on the common people by activating the policy of converting variable rate loans to fixed rate loans. On the 14th, the five major commercial banks (KB)