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KOPIS increases led to rising mortgage rates, impacting the real estate market
As the Cost of Funds Index (COFIX) rises again, there is a trend of increasing floating mortgage rates. This reflects changes in the costs banks incur to raise funds.
According to the Banking Association, the COFIX based on new loans issued in February 2026 is 2.82%, up 0.05 percentage points from January’s 2.77%. COFIX is calculated based on the interest rates of deposit products, bank bonds, and other funding sources offered by major domestic banks. When these rates change, COFIX serves as an indicator for banks to adjust loan interest rates.
Based on this, commercial banks plan to reflect the new COFIX rate in adjusting floating mortgage rates starting March 17. For example, KB Kookmin Bank’s mortgage interest rates following the new COFIX index will increase from the previous 4.1–5.5% to 4.15–5.55%.
Meanwhile, the “New Balance-Based COFIX,” introduced in 2019, has slightly decreased to 2.47% after minor adjustments. This differs from the original balance-based COFIX, as it includes various data such as other deposits and borrowings.
Future changes in COFIX rates may trigger increases in loan interest rates, significantly impacting the real estate market. Rising rates will increase borrowers’ burdens and could influence home purchasing decisions. This trend, combined with recent rate hike signals, is expected to impact the residential market.