서민 주택구입자금 지원정책의 노인가구 지원효과에 관한 연구－ 접근성 평가 및 점유형태 선택에 미치는 영향을 중심으로 -
Effectiveness of Housing Finance Support Program on Elderly Households
0
조회
0
다운로드
3
인용
0
참고문헌
키워드
초록
The purpose of this paper was to analyze the effectiveness of the governmental policies on the Housing Finance Support Program (for low income households) for elderly households, and to suggest future policy directions. Data used for the study was based on the Housing Financing and Welfare survey conducted by KHRIS in 2012. The study used the hedonic price model to estimate housing prices and rents and the binary logit model to assess housing tenure choices. The research results showed that 75.6% of elderly households and 51.6% of non-elderly households were not eligible for housing loans, due to asset and income restrictions. The most influential factor determining the choice of home ownership among elderly households was relative costs. Asset restrictions and income-level restrictions were found to be other influential factors. These findings indicate that housing-related expense was the most significant factor elderly household considered when purchasing housing. They also regarded the ability to pay back their housing loans to be more important than the amount of their loans. It was concluded that the Housing Finance Support Program has overall been playing a positive role in increasing elderly home ownership. However, in order for such support to be maximized in the future, it would be more efficient to lower the interest rate.
Abstract
The purpose of this paper was to analyze the effectiveness of the governmental policies on the Housing Finance Support Program (for low income households) for elderly households, and to suggest future policy directions. Data used for the study was based on the Housing Financing and Welfare survey conducted by KHRIS in 2012. The study used the hedonic price model to estimate housing prices and rents and the binary logit model to assess housing tenure choices. The research results showed that 75.6% of elderly households and 51.6% of non-elderly households were not eligible for housing loans, due to asset and income restrictions. The most influential factor determining the choice of home ownership among elderly households was relative costs. Asset restrictions and income-level restrictions were found to be other influential factors. These findings indicate that housing-related expense was the most significant factor elderly household considered when purchasing housing. They also regarded the ability to pay back their housing loans to be more important than the amount of their loans. It was concluded that the Housing Finance Support Program has overall been playing a positive role in increasing elderly home ownership. However, in order for such support to be maximized in the future, it would be more efficient to lower the interest rate.
참고문헌 (14)
- 고성수, "주택금융규제가 소득분위별 주택소비에 미치는 영향", 부동산학연구, 14(2), pp.57~74 (2008), 한국부동산분석학회
- 국토연구원, "제2차 장기(2013-2022년)주 택종합계획 수립 연구 공청회 자료집" (2013)
- 국토해양부, "2012년도 국민주택기금 업 무편람", ~ (2012)
- 권치흥, "가구의 특성이 주택점유에 미치는 영향에 관한 연구 － 소득 및 자산의 불일치를 중심으로 －", 주거환경, 10(1), pp.1~16 (2012), 한국주거환경학회[DOI]
- 법제처, "장애인・고령자 등 주거약자 지원에 관한 법률", ~
- 신용주, "노인주거복지정책의 현황과 정책제언", 주거환경, 10(3), pp.159~171 (2012), 한국주거환경학회
- 이성우, "로짓・프라빗모형 응용" (2005), 박영사
- 이소영, "총부채상환비율 규제가 주택점유형태 결정에 미치는 영향 분석", 서울도시연구, 11(1), pp.83~101 (2010), 서울연구원
- 저소득층 주거안정과 내 집 마련을 위한 정책방안 연구, "이수욱", 국토연구원, ~ (2010)
- 정의철, "모기지론이 주택점유형태 및 자가주택수요에 미치는 효과 분석", 서울도시연구, 6(2), pp.1~20 (2005), 서울연구원
- 정의철, "인구구조 변화에 따른 장기주택수요 전망에 관한 연구", 국토계획, 40(3), pp.37~46 (2005), 대한국토·도시계획학회
- 최막중, "주택금융 제약이 주택소비규모와 점유형태 선택에 미치는 영향에 관한 실증분석", 주택연구, 10(1), pp.33~48 (2002), 한국주택학회
- 통계청, "2013 고령자통계 보도자료", ~ (2013)