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4. ?????? ?? ???⭐??? ??⭐?? ??? ??? ‘???’?? ??4 ?????? ‘????’ ??? ?? ???? ???? ??? ??? ??? ??.?? ???? ?? ??? ??? ??? ???? ?? ? ??? ???? ??? ????. Mortgage loan demand has been driving household debt growth.In the first 23 days of August, the mortgage loan balance at five major banks, including NH Nonghyup Bank increased by 6.82 trillion won. In July, the balance at these banks rose by an all-time high of 7.6 trillion won.