#Household Debt
Is a 40% DSR Really Safe? Why Real Households Hit the Wall Earlier
A 40% DSR is the bank's lending ceiling, not a household safety line. Pressure rises sharply around 30%, and once rate and income shocks are added, the comfortable zone drops further.
Why No Second IMF Crisis Is Coming, and Why Today's Risk Is Actually Worse
A second IMF-style dollar crisis is unlikely for Korea given current reserves and external debt, but a slower squeeze from household debt and high rates is already in motion and harder to escape over time.
Why the 1997 IMF Crisis Wasn't Really About 'Too Much National Debt'
Korea's 1997 IMF crisis was not triggered by national debt size but by short-term dollar borrowing and collapsing trust. The country's structure has changed, yet a slower household debt pressure is now quietly in motion.
Is Korea's 6,500 Trillion Won Debt Real? 4 Reasons the IMF Isn't Coming, But Something More Dangerous Is
Korea's '6,500 trillion won debt' is not an official figure. It combines government, household, and corporate debt. An IMF-style crisis is unlikely, but the real danger lies in how high private debt and slow growth compress the economy over time.