가구 특성을 고려한 주택구입자금 대출에 관한 분석

• 영문명: Analysis of the Loan of the Housing Purchase Money in Accordance with Household Characteristics
• 발행기관: 한국부동산학회
• 저자명: 구만수(Ku, Man Soo) 서정렬(Suh, Jeong Yeal) 최열(Choi, Yeol)
• 간행물 정보: 『부동산학보』不動産學報 第55輯, 5~16쪽, 전체 11쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2013.12.31

영문 초록

1. CONTENTS (1) RESEARCH OBJECTIVES The purpose of this study is to analyze the effects of household characteristics on the loan of the housing purchase money using the survey for householders in Busan. (2) RESEARCH METHOD This study was focused on survey analysis. The data for this analysis were collect from the questionnaire. This questionnaire consisted of the current loan existence. the loan ratio of housing prices, the loan ratio of household income and household characteristics. Specifically, the binary logit model and the oredered logit model was employed as the empirical analysis for t he study. (3) RESEARCH FINDINGS In the results of this study, the number of families and the period of house ownership are the important variables in the current loan existence analysing model. Also, age, the number of families and the period of house ownership are the important variables in the loan ratio of housing prices analysing model. Besides, age, the number of families, average household income and the period of house ownership are the important variables in he loan ratio of household income analysing model. 2. RESULTS This study showed that if the number of families was increased and the period of house ownership was decreased, probability of making a loan to purchase house was increased. In addition, it showed that the number of families was increased and age and the period of house ownership were decreased, the ratio of loans to housing price was increased. Moreover, it also showed that if th number of families was increased and age, average household income and the period of house ownership were decreased, the ratio of loans to household income was incr eased.

목차

Abstract

Ⅰ. 서론

Ⅱ. 선행연구

Ⅲ. 분석자료 및 분석모형

Ⅳ. 가구 특성에 따른 주택구입자금 대출에 관한 실증분석

Ⅴ. 결론

參考文獻

키워드

주택구입 자금 대출 가구 특성 주택가격 대비 대출 비율 가구소득 대비 대출 비율 이항로짓모형 순서형로짓모형 the loan of the housing purchase money the loan ratio of the housing price the loan ratio of the household income household characteristics binary logit model ordered logit model