In recent years, however, these products have been offered to a broader array of consumers, including some for whom they may not be well suited. Borrowers may not fully recognize the risks of nontraditional mortgages, particularly the "payment shock" if the loan's interest rate increases, or when the consumer is required to make fully amortizing payments.
Considering these points, I venture to ask for your continued warm interest and support for Korea’s restructuring efforts. I hope the Korean economy will become more advanced thanks to its restructuring and also wish that its practical cooperative relationship with the EU may continue to deepen in the future. 5  BIS Review 120/1999