주택연금(Reverse Mortgage)제도 이용의 결정요인 분석

• 영문명: Determinants for Users' Reverse Mortgage for the Real Estate Market - Focus on Preliminary Retiree -
• 발행기관: 한국부동산학회
• 저자명: 서윤규(Seo Yun Keuy)
• 간행물 정보: 『부동산학보』不動産學報 第66輯, 231~245쪽, 전체 15쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2016.08.30

국문 초록

연구의 가장 큰 핵심은 베이비부머의 은퇴가 본격적으로 시작되는 시점에 그들이 주택연금제도의 선택에서 가장 중요하게 생각하는 결정요인이 무엇인지 확인함으로써 제도의 활성화를 위한 방법을 확인하여 예비 은퇴자들에게는 노후의 안정적인 경제적 기반을 마련하는 기회를 제공하고, 정부에게는 국민의 노후생활 안정을 위해 추진하는 복지정책의 과도한 사용을 억제하여 정부재정계획의 합리적 수립과 효율적 집행이 가능하게 한다는 점이다. 주택연금 제도도입 초기에 잠재 수요고객인 베이비부머 세대를 중심으로 예비 은퇴자들의 주택연금제도의 이용에 있어서 선택기준 즉, 제도이용에 가장 큰 영향을 주는 요인을 확인하고자 하였다. 주택연금제도의 이용계획에 있어서 주택연금 지원제도는 가입조건, 초기보증료, 월지급액, 담보조건, 경제적 만족에서는 노후준비와 지인비교, 그리고 은퇴 후 기대경제 수준에서는 건강상태와 월 소득이 통계적으로 의사결정에 영향을 주는 요인으로 확인되었다. 추천계획에 있어서는 정책적 지원제도에서 가입조건, 대출금리, 월지급액, 경제적 만족에서는 지인비교, 그리고 은퇴 후 기대경제 수준에서는 건강상태만이 통계적으로 의사결정에 영향을 주는 요인으로 확인되었다.

영문 초록

1. CONTENTS (1) RESEARCH OBJECTIVES The core of this research is to provide the retirees with the chances to arrange the economic conditions of the later lives through confirming the crucial factors which are considered the most important in culling the style of reverse mortgage loan at the time of the full-brownly beginning of the baby-boomers' retirement. and, simultaneously, for the government to make the effective implementation of the policies and the reasonable establishment of financial plans by controlling the excessive use of welfare policies to facilitate the stabilities of the later life in nation-wide. (2) RESEARCH METHOD In the process of performing the survey by way of questionnaires, the most significant variable which the reserved retirees have picked up is whether they can accepting the pension during the rest of their lives, residing in his or her own house, which is suggesting that the reverse mortgage loan can be safely established on the base that the government firmly promises the beneficiaries its guarantee against the possible longevity risk in the reverse mortgage loan. (3) RESEARCH FINDINGS This study tries to fathom out the choice-criterion, that is to say, the most pivotal factors in utilizing the policy, centered on the reserved retirees who are the potential customers and at the same time baby-boomers. By means of Factor analysis, the variables which have impacts on the satisfaction level of the reverse mortgage loan are analyzed in three respects: namely the policy-supporting institution(the tax benefits, the early guarantee fees, the interest rate of utilization, the payment of each month, the conditions for the registrations, the mortgage conditions, any kinds of the restrictions), the economic satisfaction(the economic readiness, the preparation for the later life, the pension economy, the comparison between the acquaintance), and the personal later-life state(the income for a month, the sustenance cost for a month, the expected subsistence cost after retirement, the condition of health). 2. RESULTS In the plan of making use of the reverse mortgage loan, the following facts are corroborated. To begin with, the conditions for the registrations, the early guarantee fees, the payment of each month, and the mortgage conditions are the statistically influential factors in decision-making for the policy-supporting institution. secondly, the preparation for the later life, and the comparison between the acquaintances are for the economic satisfaction, and finally the condition of health and the income for a month are for the personal state. In the aspect of the plan for the recommendation, the interest rate of the loan, the conditions for the registrations and the payment of a month are the statistically influential factors in decision-making for the policy-supporting institution, the comparison between the acquaintances is for the economic satisfaction, and the condition of health alone is for the personal state.

목차

ABSTRACT

국문초록

Ⅰ. 서론

Ⅱ. 주택연금 제도 이론적 고찰

Ⅲ. 고령사회의 문제점

Ⅳ. 주택연금제도 만족도 결정요인 분석

Ⅴ. 결론

參考文獻

키워드

주택연금 고령사회 노인빈곤율 베이비부머 회귀분석 Reverse mortgage Ageing society Elderly poverty rate Baby-boomer Regression analysis