South Korean retail investors are increasingly borrowing to capitalize on the market rally, with personal loans reaching a five-year high. As of June 1, data indicates that the total outstanding personal credit loans from the country's five major banks hit 106.99 trillion Korean won ($70.98 billion), the highest since November 2023. This surge is largely attributed to overdraft credit lines, or "negative balance accounts," which allow borrowing up to a pre-approved limit. The outstanding balance on these accounts reached 41.93 trillion won, highlighting the funds actively withdrawn by borrowers.