임차인 설문조사를 통한 월세미납 결정요인에 관한 연구
A Study On the Determinants of Rent Default Based On Tenant Survey
0
조회
0
다운로드
3
인용
0
참고문헌
키워드
초록
Recently, the share of monthly-rent-variable-deposit(MRVD) contracts has been rising rapidly in Korean rental housing market. With the increasing share of MRVD, the prevailing practice of rent default by tenants in Korea is hindering from forming a stable MRVD market. The resulting social problem due to the practice is that a higher rent is required to overcome the risk in the Korean rental housing market. This paper investigates the determinants of rent default by the tenants. The survey results show that a significant number of tenants are depending on their parents or relatives to prepare the deposit for Chonsei or MRVD. Their probability of rent default is smaller than that of the tenants who borrow the deposit money from bank. Also, there are strong correlations between the probability of rent default and household income(more directly rent to income ratio. That is, as household income gets low(or rent to income ration gets high), rent default probability increases. These relationship is confirmed by the following regression analysis. In addition, the regression results show that age, number of family members, and stable job position reduce the rent default probability.
Abstract
Recently, the share of monthly-rent-variable-deposit(MRVD) contracts has been rising rapidly in Korean rental housing market. With the increasing share of MRVD, the prevailing practice of rent default by tenants in Korea is hindering from forming a stable MRVD market. The resulting social problem due to the practice is that a higher rent is required to overcome the risk in the Korean rental housing market. This paper investigates the determinants of rent default by the tenants. The survey results show that a significant number of tenants are depending on their parents or relatives to prepare the deposit for Chonsei or MRVD. Their probability of rent default is smaller than that of the tenants who borrow the deposit money from bank. Also, there are strong correlations between the probability of rent default and household income(more directly rent to income ratio. That is, as household income gets low(or rent to income ration gets high), rent default probability increases. These relationship is confirmed by the following regression analysis. In addition, the regression results show that age, number of family members, and stable job position reduce the rent default probability.
참고문헌 (9)
- 이창무, "보증부월세시장의 구조적 해석", 국토계획, 37(6), pp.87~97 (2002), 대한국토·도시계획학회
- 이창무, "아파트 보증부월세 특성에 대한 실증분석", 국토계획, 38(1), pp.109~124 (2003), 대한국토·도시계획학회
- 임재만, "아파트 임대차계약 당사자의 공동균형에 관한 연구: 수도권을 중심으로", 국토연구, 60, pp.47~59 (2009), 국토연구원
- 이영호, "정보비대칭 관점에서 상가 보증금의 성격에 관한 연구", 부동산연구, 22(2), pp.123~147 (2012), 한국부동산연구원
- 류강민, "월세관련 위험과 보증금-월세 전환율 결정구조", 부동산학연구, 19(2), pp.21~35 (2013), 한국부동산분석학회
- 이창무, "레버리지 위험을 고려한 전월세시장 균형모형", 주택연구, 20(2), pp.5~31 (2012), 한국주택학회[DOI]
- J. D. Benjamin, "Security Deposits, Adverse Selection and Office Leases", Journal of the American Real Estate and Urban Economics Association, 20(2), pp.259~272 (1992)
- J. D. Benjamin, "What do Rental Contracts Reveal About Adverse Selection and Moral Hazard in Rental Housing Markets?", Journal of the American Real Estate and Urban Economics Association, 26(4), pp.309~329 (1998)
- I. Navarro, "Antichresis leases : Theory and empirical evidence from the Bolivian experience", Regional Science and Urban Economics, 40, pp.33~44 (2010)