주택연금 계약해지의 결정요인에 관한 연구
A Study on the Determinants of the Termination of Reverse Mortgage Contract
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The purpose of this study is to analyze the determinants of the termination of reverse mortgage contract. Using more than 10 thousand reverse mortgage users, logistic regression models were estimated to investigate which factors affect users' decision of whether to terminate or continue reverse mortgage contracts. Estimation results show that demographic characteristics of users such as age of the head, house price, and regions of residence are important determinants of their decisions. More elderly users with higher house price are more likely to terminate their contracts, and users living together with a spouse and other family members are more likely to continue their contracts. One of critical element in terminating reverse mortgage was found to be the gauranteed fee which is designed to increase in proportion to the contract period. This study also suggested some policy directions: Current structure to impose the gauranteed fee should be modified to relieve users' financial burdens. The payment scheme should be diversified to meet users' demands for the amount of payments based on their life cycle stages.
Abstract
The purpose of this study is to analyze the determinants of the termination of reverse mortgage contract. Using more than 10 thousand reverse mortgage users, logistic regression models were estimated to investigate which factors affect users' decision of whether to terminate or continue reverse mortgage contracts. Estimation results show that demographic characteristics of users such as age of the head, house price, and regions of residence are important determinants of their decisions. More elderly users with higher house price are more likely to terminate their contracts, and users living together with a spouse and other family members are more likely to continue their contracts. One of critical element in terminating reverse mortgage was found to be the gauranteed fee which is designed to increase in proportion to the contract period. This study also suggested some policy directions: Current structure to impose the gauranteed fee should be modified to relieve users' financial burdens. The payment scheme should be diversified to meet users' demands for the amount of payments based on their life cycle stages.
참고문헌 (17)
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