주택청약관련제도 ( 사천저축 )의 한 , 독 비교연구

• 영문명: A comparative study of a housing subscription deposits ( pre - saving ) system in Korea and Bauspar system in Germany
• 발행기관: 한국지역개발학회
• 저자명: 박은병(EunByong Park)
• 간행물 정보: 『한국지역개발학회지』제13권 제1호, 133~148쪽, 전체 16쪽
• 주제분류: 사회과학 > 지역개발
• 파일형태: PDF
• 발행일자: 2001.04.30

영문 초록

This study aims to research the problems of a pre-saving system such as housing subscription time deposit, housing installment saving deposit and housing subscription saving deposit, and to suggest the improvements in those areas.^(1)) Until now the pre-saving system has played an important role in supplying the funds to housing banking institutions. A pre-saving system was possible because the situation of a housing demand greater than the actual housing supply. Recently the pre-saving system has been changed by factors such as a house for installment sale flexibly determined by the constructors and an increase in the housing supply rate. Such a change in the housing market has caused the problems of stable fund raising for the housing banking institution and these problems must improve in the long term. Compared to Korea, the Bauspar system of Germany is quite stable in terms of fund raising and the housing fund borrower can get loans more easily under lower interests from the bank despite the fluctuation of interest in the housing market. Here is the introduction of the Bauspar system of Germany also the suggestions for improvements in the pre-saving system in Korea.