가계의 주택자금 수요행태분석

• 영문명: An Empirical Analysis on the Consumer Behavior for Housing Lending
• 발행기관: 대한부동산학회
• 저자명: 손경환(Sohn, Kyoung-Hwan) 박천규(Park, Chun-Gyu)
• 간행물 정보: 『대한부동산학회지』제23호, 9~24쪽, 전체 16쪽
• 주제분류: 사회과학 > 지역개발
• 파일형태: PDF
• 발행일자: 2005.06.30

영문 초록

The purposes of this paper are to empirically analyze consumer behavior for the housing lending and to suggest the improvement of the housing finance policy measures. We employ a two-stage procedure to estimate housing demand. In the first stage, a probit-model estimated the probability of choosing a long-term lending or short-term lending. Predicted values from probit-model are used to estimate housing demand. The results indicate that the housing demand for households choosing short-term lending is influenced by asset, not user-cost in contrast with households choosing long-term lending. We simulate demand under eight different restrictions of LTV and PTI. The simulations indicate that the condition which controls maximum LTV and PTI by 40% and 25%, respectively decrease housing demand by approximately 4.4%. We expect that the results of this paper will be useful in making housing finance policy measures like qualification conventions for LTV and PTI.

목차

Ⅰ. 머리말

Ⅱ. 가계의 주택자금 이용현황

1. 대출기간 및 대출금리

2. 주택가격대비대출비율(LTV)

3. 월소득대비상환액(PTI)

Ⅲ. 가계의 주택자금의 수요행태

1. 주택자금대출 선택이론

2. 실증분석

3. 주택금융정책의 파급효과

Ⅳ. 맺는말