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임차인의 자산과 소득이 전·월세 선택에 미치는 영향 분석

Title
임차인의 자산과 소득이 전·월세 선택에 미치는 영향 분석
Other Titles
Analysis of Choosing Chonsei or Monthly Rent under Tenant's Asset Constraint and Income - With KLIPS(Korean Labor and Income Panel Study) data
Author
최창규
Keywords
임차인; 전세; 월세; 자산; 소득주거기준; 주거수준; 최저주거기준; 면적기준; 시설기준; Tenant; Chonsei; Monthly Rent; Asset Constraint; Income
Issue Date
2012-02
Publisher
대한국토 도시계획학회
Citation
대한국토계획학회지 Journal of Korea Planning Association., Feb 2012, 47, P.69-83
Abstract
The major changes in the housing market since the financial crisis are the significantly increased household mortgage loan from bank and the continuously strengthened regulatory policies such as LTV and DTI, starting with 9.4 Housing Market Stabilization Policy (2002) of the Government, which recognized the increased household mortgage loan as a major cause of rising real estate prices. These changes in the financial conditions has also brought a change in housing tenure. Chonsei, which took more share before the financial crisis, gave way to Monthly Rent, which has been steadily growing since the crisis. In this market condition, Choi and Ji (2007) proposed a model which reflects other loaning conditions besides Chonsei and a Monthly Rent indiscriminately. Through this study, using KLIPS and during the three periods, 1999, 2003, and 2008, I analyzed the characteristics of the preference for Chonsei of Monthly Rent with a tenant's asset accumulation. The aims of this study are analyzing the characteristics of the preference for Chonsei and Monthly Rent by periods providing the decision criteria for suppliers and consumers by understanding the structure of the decision on Chonsei or Monthly Rent, and proving the theoretical validity of Choi and Ji (2007). The major changes in the housing market since the financial crisis are the significantly increased household mortgage loan from bank and the continuously strengthened regulatory policies such as LTV and DTI, starting with 9.4 Housing Market Stabilization Policy (2002) of the Government, which recognized the increased household mortgage loan as a major cause of rising real estate prices. These changes in the financial conditions has also brought a change in housing tenure. Chonsei, which took more share before the financial crisis, gave way to Monthly Rent, which has been steadily growing since the crisis. In this market condition, Choi and Ji (2007) proposed a model which reflects other loaning conditions besides Chonsei and a Monthly Rent indiscriminately. Through this study, using KLIPS and during the three periods, 1999, 2003, and 2008, I analyzed the characteristics of the preference for Chonsei of Monthly Rent with a tenant's asset accumulation. The aims of this study are analyzing the characteristics of the preference for Chonsei and Monthly Rent by periods providing the decision criteria for suppliers and consumers by understanding the structure of the decision on Chonsei or Monthly Rent, and proving the theoretical validity of Choi and Ji (2007).
URI
http://www.dbpia.co.kr/Journal/ArticleDetail/NODE01806527
ISSN
1226-7147
Appears in Collections:
COLLEGE OF ENGINEERING[S](공과대학) > URBAN PLANNING AND ENGINEERING(도시공학과) > Articles
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