주택담보대출규제와 그 목표간 연계성에 관한 연구

• 영문명: Housing Mortgage Regulations and Their Objectives: Are They Compatible?
• 발행기관: 한국도시부동산학회(구.도시정책학회)
• 저자명: 김준형 Kim, Jun-Hyung
• 간행물 정보: 『도시부동산연구』3권 1호, 87~97쪽, 전체 10쪽
• 주제분류: 사회과학 > 행정학
• 파일형태: PDF
• 발행일자: 2012.04.30

영문 초록

Housing mortgage in Korea is increasing faster than ever before. This increase has resulted in the housing mortgage regulations, putting a cap on the loan-to-value ratio (LTV) or debt-to-income ratio (DTI). Korean Government has justified these regulations by emphasizing the need to support household°Øs ability to repay the loan, to sustain the national financial system, and to stabilize or activate housing market. This study, however, finds that the current application of the regulations has not corresponded to their intrinsic objectives. The current DTI level is too high to protect borrowers from the default risk. The level should be lowered to the common ratio of housing cost to household income, i.e. 30%. The LTV ratio is related to the overall financial system rather than the repayment ability, so under the conditions of the strict DTI, the maximum LTV should be extended. In addition, since the real LTV and DTI ratio of households does not coincide exactly with the statutory level, it should be reexamined to use mortgage regulations to boost or depress the housing market.

목차

1. 서 론

2. 주택담보대출규제의 기본개념

3. 주택담보대출규제의 국내 운용방식

4. 규제목표와 그 운용방식간 연계성

5. 주택담보대출규제 운용의 개선방향

키워드

주택담보대출 주택담보대출인정비율 총부채상환비율 주택금융 규제정책 Housing Mortgage LTV (Loan-to-value) DTI (Debt-to-Income ratio) Housing Finance Regulatory Policy