패널프로빗모형을 이용한 분가가구의 주택점유형태 결정요인에 관한 연구
A Study on Housing Tenure Choice of Married-off Households in Korea by Panel Probit Model
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초록
Government has made policy efforts to ease intergenerational inequality by implementing financial and tax policies intended for the first house purchasers in life or the houseless and by enforcing the merit system for newly-wedded couples. But in reality a considerable number of households in a dead zone of high housing price and welfare policy have not benefited from government policy. Therefore, this study attempted to analyze the branch families of newly-wedded couples with poor assets with the use of the ‘panel probit model’ in order to investigate the effect of their socioeconomic characteristics on the determination of housing occupation types. As a result, it was found that the income and asset variables of their parents did not have a significant effect on their children' determination of housing occupation types but such variables as the educational level and occupation(employer) had a significant effect on it. And analysis showed that the characteristic of parents’ household had an insignificant effect on their child’s determination of housing occupation type. This study, unlike previous studies, showed that the branch families of newly-wedded couples with lower educational levels had an increasing rate of homeownership. This is thought to be due to the background of the times that they fall into an age range of economically stable households due to long-standing income regardless of their educational level. In particular, number of children and type of occupation of original household turn out to be important factors in housing tenure choice for married-off households, which implies the possibility of intergenerational wealth transfer.
Abstract
Government has made policy efforts to ease intergenerational inequality by implementing financial and tax policies intended for the first house purchasers in life or the houseless and by enforcing the merit system for newly-wedded couples. But in reality a considerable number of households in a dead zone of high housing price and welfare policy have not benefited from government policy. Therefore, this study attempted to analyze the branch families of newly-wedded couples with poor assets with the use of the ‘panel probit model’ in order to investigate the effect of their socioeconomic characteristics on the determination of housing occupation types. As a result, it was found that the income and asset variables of their parents did not have a significant effect on their children' determination of housing occupation types but such variables as the educational level and occupation(employer) had a significant effect on it. And analysis showed that the characteristic of parents’ household had an insignificant effect on their child’s determination of housing occupation type. This study, unlike previous studies, showed that the branch families of newly-wedded couples with lower educational levels had an increasing rate of homeownership. This is thought to be due to the background of the times that they fall into an age range of economically stable households due to long-standing income regardless of their educational level. In particular, number of children and type of occupation of original household turn out to be important factors in housing tenure choice for married-off households, which implies the possibility of intergenerational wealth transfer.
참고문헌 (29)
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