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[앵커]올해 상반기 20~30세대의 아파트 매입 비율이 사상 최고치를 경신한 것으로 나타났습니다.대출이 원활해지면서 젊은층이 대거 내 집 마련에 나선 것으로 분석됩니다.주요 경제계 소식, 조슬기 기자와 알아보겠습니다.빚을 내 집을 산 2030 영끌족이 크게 늘었다고요?[기자]상반기 전국 아파트 매매거래의 3분의 1은 30대 이하가 차지했습니다.한국부동산원 자료에 따르면 올해 상반기 전국 아파트 매매 건수는 모두 20만 3천400여 건으로, 이 가운데 31.3%인 6만 3천600여 건은 30대 이하가 사들였습니다.이는 2019년 관련 통계를 집계하기 시작한 이래 역대 최고치입니다.서울 등 수도권을 중심으로 수억 원씩 주택담보대출을 받아 집을 사는 젊은층 움직임은 하반기에도 이어지고 있는데요.지날 7월 기준 30대 매매 건수가 1만 건이 넘을 정도로 다른 연령대와 비교해 높았고 20대도 2천 건 가까이 아파트를 사들였습니다.이는 청년층의 내 집 마련을 위한 자금 조달이 수월해진 영향이 가장 큰데요.지난 1월 말 특례보금자리론이 출시돼 9억 원 이하의 주택을 구매할 경우 소득 수준과 무관하게 낮은 금리로 최대 5억 원까지 대출이 가능해졌기 때문입니다. 또 주택 가격이 다시 꿈틀대면서 집값이 오를 때 집을 사지 못하고 때를 놓치면 본인만 소외될 수 있다는 '포모(FOMO·fear of missing out)' 증후군이 젊은 층을 중심으로 나타나고 있다는 분석도 있습니다.[앵커]저축은행 연체율 상승세가 심상치 않다고요?[기자]경기가 하강 국면에 접어들면서 저축은행의 주고객인 중·저신용자와 부동산 시행사가 빌린 돈을 못 갚고 있습니다.금융감독원 통계정보시스템에 따르면 올해 3월 말 기준 국내 영업 중인 저축은행 79곳의 연체율은 평균 5.1%로 집계됐습니다.2021년 12월 말(2.5%)의 2배 수준인데요.특히, 3개월 이상 연체된 대출을 뜻하는 고정이하여신비율은 이 기간 3.4%에서 5.1%로 높아졌습니다.비교적 안정적인 은행계 저축은행마저 연체율이 높아져 저축은행의 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