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THE WONKAI EDIT / ENGLISH

Why can my loan rate change when the base rate stays still?.

The central bank's policy rate and the interest on a personal loan run on different clocks. Reference rates, margins, discounts and repricing dates explain the difference.

Published 27 Oct 2026Source checked 27 Oct 2026AI-assisted writing and source comparison

English summary adapted from the reviewed Korean edition. This is not a full translation or an official agency translation. Read the complete Korean original ↗

WONKAI INSIGHT

Why it matters

A decision to hold the policy rate does not mean your next interest payment must stay unchanged. This is an explanation of the mechanism, not a report of current rates or a forecast.

What to check now

  1. Find your reference rate, margin, discounts and next repricing date in the contract.
  2. Compare actual interest, repayment structure and switching costs before refinancing.

Official source & review

Open the official source (original language) ↗

Original source publication: See the source. Translation checked: 1 Nov 2026. Original-source rights and publication checks remain in force. English wording was compared with the Korean edition by AI; no human, legal or medical expert review is claimed.

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