주택후분양제 활성화를 위한 정책과제- 주택금융을 중심으로

Abstract

This Study is to improve the existing housing financing system rooted deeply in the housing pre-sale system in Korean housing market. For the purpose of this study, this paper reviews issues related to the impact of the shift of housing supply system from a housing pre-sale system to a housing post-sale system on the housing market and on the housing finance systems prevalent in Korean. This study suggests the funding strategies of the project financing system which is increasingly playing a crucial role in corporate financing to diversify financing sources and to allocate scarce capital more efficiently. It is necessary to be enacted again PFV Act to promote the housing post-sale system and to provide corporate financing which was rejected last year in the National Assembly. New mortgage system was introduced and the Korea Housing Finance Corporation(KHFC) began operations March, 2004. The KHFC is offering long-term mortgages to allow middle-income households greater access to the housing market. The state-run mortgage-loan provider is also planning to do all it can to insure a soft-landing for the household debt problem and long-term bond market development. Due to competition, banks offer many loan packages for the middle-income to choose the one, best suited to them economically. But the interest rates on the loan have to be lowered to promote more easier access of the middle-income households. Besides the housing market has to be stabilized and new housing has to be supplied steadily.