주택협동조합의 주택소유와 자본 조성에 관한 연구

Abstract

The purpose of this study is to analyze types of housing cooperatives according to housing ownership structure. The financing situation of the housing cooperative that procured funds for the purchase of each type of housing was analyzed in this study. Depending on the homeowner, the type of housing can be classified as a private, cooperative, leased management cooperative. The results of this study show that the dependency on other capital is higher than the contribution of cooperative members in cooperative and lease-managed cooperative housing types. These projects are also more dependent on social investment funds than on financial institutions. Second, the contribution of cooperative members and lease deposits have structural limitations for cooperative-type housing. Third, it is possible to secure a loan from financial institutions for private housing, but this has the limit to financing during the housing onstruction period. Finally, it was found that lease-managed housing was highly dependent on social investment funds but funded through crowdfunding. To overcome this problem, it is necessary to make institutional improvements so that housing ooperatives are able to use money from credit institutions for long periods of time. In ddition, it requires to increase the amount of capital raised or the lease deposit, which is self-capital, rather than securing other capital. it requires to determine the appropriate ratio of lease deposit and contribution paid by cooperative members. The institutional basis for procuring construction funds should be provided during construction in the private sector.