역모기지 선택 결정요인에 관한 연구: 민간 역모기지 이용자 특성 분석

Abstract

Recently, the elderly population is increasing in Korea and so public (tenure) Reverse Mortgage will be executed by a government. So it is demanded that the analysis of a foreign case and the study of the interior private Reverse Mortgage. This study analyzed the feature of private(Shinhan Bank) Reverse Mortgage user from 2004. 5 to 2005. 12. The main purpose of this study is to study on deciding the cause of choosing Reverse Mortgage. For this study, the feature of Reverse Mortgage user was analyzed. This paper is applied the public Reverse Mortgage policy plane. The result of the features of Shinhan Bank Reverse Mortgage user is same as this. User's main ages is 60~79, and family numbers is 1~2. The main type of a security house is Apt. The size of a security house is obtained the highest number under 30 pyeong, and the main appraisal price of a security house is 100 million~300 million won. User lived mainly in Seoul, the user's primary monthly payment is 500 thousand~1 million won. User contracted chiefly during 10 years. Multiple regression analysis is composed that dependent variable is the contract period, and independent variable is the user's features. The result of the multiple regression analysis showed that those with car, those with a life partner, lower family number, those with a self -management, higher security house appraisal price, lower lending finance organ number, monthly payment, lower payment period(one month) were more likely to have higher contract period (total payment frequencies).