How does the U.S. interest rate cut affect the

How does the U.S. interest rate cut affect the Mortgage rate... Of course it's going to cut interest rates. But the interesting thing is that the U.S. Mortgage has a 30-year fixed-rate mortgage and it has a variable...

So there are a lot of reports in the U.S. about how a rate cut would change the mortgage..

But why doesn't Korea have a loan like a 30-year fixed-rate mortgage?
Our mortgage is mostly variable interest rates. Very few fixed interest rates.. short term even if there is...

And this is kind of fun, which is that the bank manages assets very safely, so if you make it at a variable rate, there's almost no risk to the bank... Even if interest rates go up, you eat a certain spread, and you fall, so you always have a certain margin..

It's because of this structure that the bank doesn't get much less interest income even with the rate cut. If the consumer wants to go for 30 years at a fixed rate, the bank has to develop its ability to accept it. Now in the U.S., we have a 30-year fixed rate that we got when interest rates were low in the past... This guy just goes... maybe it's the consumer's right..

I think there should be an era in which our banks can also increase their competitiveness and do it in the way customers want.