역모기지 (예비)수요층의 특성 변화에 관한 연구

• 영문명: Changing characteristics of preliminary reverse mortgage homeowners in the Seoul Metropolitan Area. 1999-2009
• 발행기관: 한국지역개발학회
• 저자명: 이종의(Lee. Jong-Eui)
• 간행물 정보: 『한국지역개발학회지』제21권 제4호, 201~226쪽, 전체 26쪽
• 주제분류: 사회과학 > 지역개발
• 파일형태: PDF
• 발행일자: 2009.12.30

영문 초록

This paper reviewed previous research of changing characteristics of preliminary homeowners and borrow’s reverse mortgage and to explore new changing from 1999 to 2009. The framework used in this study was binary logil model and a questionnaire survey from aged 40 to 60' s preliminary homeowners in the Seoul Metropolitan Area. Major findings are as fl이 lows 1) The significant variables of a strong demand for reverse mortgage when theγ retired or become older, are marriage, higher education level, residential apartment, high concem of reverse mortgage. but n01 married children, higher age, more healthy. big size house are demonstrated a negative preference. 2) Many of the older{about 76.9%1 are at risk of having insufficient resources in retirement, and they have owned over 30% as real estate resouπ:e. 3) The answer which have a ‘JOsitive preference to be use a reverse mortgage is clearly increased. 4) The willingness of passing their properties to next generation clearly improved for few years. 5) The reason which wì11 not use reverse mortgage is because of resistance to reverse mortgage generally or more Scific difficulties 、vith the products that are available is unclear at this point. Reverse mortgages provide a means for elderly and aging to access their home equity while continuing ω !ive in their homes. This could be an effective means for reducing poverty among the elder!y. Due to the demographic development in Korea, it is better option for the govemment to improve the economic stalus of the aging population in the coming two decades, govemment might even supply promotion to spread nationwide rapidly