• The Journal of the Korea Contents Association
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• v.17 no.9
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• pp.145-158
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• 2017

Lately, rapid increase of household debt and economic change has affected cash flow of household, insolvent risk has increased by high repayment burden of the principal and interest. Previous researches was progressing various discussion, composed objective repayment burden index about household debt. But it was relatively insufficient about perception of consumer. This research compare and analysis determinants of subjective repayment burden in household debt by income quintile, using 2016 Household Financial Welfare Survey. The research result is follows. The income 1 and 2 quartile groups have the higher monthly rent and credit card loan and the housing preparation loan ratio, the higher burden on repayment of the principal and interest. The Income 3 and 4 quartile groups have the higher 60s or older and member of household and real estate mortgage loan, the higher burden on repayment of the principal and interest. The Income 5 quartile group has the higher loan ratio for debt repayment preparation, the higher burden on repayment of the principal and interest.

• Journal of the Korean housing association
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• v.27 no.2
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• pp.1-9
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• 2016

This paper introduced the affordable housing support programs and system of the State of Michigan and Lansing Metropolitan Area and reviewed the affordable housing plan of Lansing area. This paper also examined their challenges and efforts to solve the affordable housing issues with additional analysis. The affordable housing planning process was also presented with a comprehensive analysis and future prediction of demographic characteristics and housing supply and demand for affordable housing. Especially, the trend and future forecast of the elderly and low-income households who have a significant impact on the affordable housing demand are considered. The U.S. and South Korea have different housing characteristics and situations. A part of the plan and suggestions of Lansing are somewhat unfamiliar, and it is difficult to introduce their suggestions into our policies. However, the affordable housing plan of Lansing Metropolitan Area suggested various solutions to solve the issues, and some of them deserve to be considered on our housing policy making.

• Journal of the Korean housing association
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• v.26 no.5
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• pp.79-87
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• 2015

This study explored low-income households' experiences and perception of home energy cost burdens and determinants of the perceived home energy cost burdens. Between March and July 2014, a questionnaire survey was administered in Cheongju, South Korea. Among the 434 useable responses collected, responses from 218 households with monthly income less than 2,500,000 Korean Won (KRW) were compared with those of 216 households with higher incomes. The main findings are as follows. In the past three years, more than 10 percent of low-income households had had their electricity cut off; 5.7 percent had had their city gas cut off. To pay for their home energy expenses, nearly 70 percent of the low-income households had had to limit their heating, cooling or spending for other necessities; 38.3 percent had to borrow money. Low-income households reported more problems paying for home energy than higher-income households did. Households with more negative evaluation of rainwater leak, no one staying at home all day, monthly income less than 1,500,000 KRW and householders in their 40s and 50s tended to perceive a heavier home energy cost burden. Finally, the most popular support programs were fuel assistance and discounts on energy bills.

• Journal of the Korean housing association
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• v.22 no.4
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• pp.23-32
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• 2011

The change in the Japanese rental housing policy since the 1990s appeared as a reduction in the role of central government, an expansion in the local government's discretion, and an increase in the dependence on the housing market. As a result, the supply of new public rental housing decreased drastically and the rent regulation was eased. This study is designed to evaluate the validity of the policy change through an analysis of the change in housing affordability of tenants during the period of 1983~2008. The analysis showed that the housing affordability and the accessibility to the housing market by tenants had been improved, confirming that if the public rental housing stock was properly used, the housing needs of the low-income tenants would be met without new supply. Therefore, it appeared that the change in the Japanese rental housing policy may have a certain amount of validity. However, the study pointed out that the validity of the policy change must be limited as the future risk factors such as the possibility of residualisation of public rental housing and the increase of poor households according to job insecurity were not well considered. Accordingly, in conclusion this study suggests that new policy instruments should be developed at central government-level, such as offering incentives for local governments and establishing a housing allowance etc.

• Journal of Korea Planning Association
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• v.54 no.3
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• pp.27-48
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• 2019

The government has implemented housing welfare policy to ease low-income households' housing-cost burden and improve their quality of life. However, public housing residents and housing choice voucher recipients still show a high level of housing-cost burden. In this regard, this study aims to provide policy implications for current housing welfare policy by analyzing and comparing the factors that determine both subsidized and unsubsidized households' housing-cost burden. For the empirical analysis, this study uses "2017 Korea Housing Survey" and divides groups into public housing residents, housing choice voucher recipients, and unsubsidized low-income renters. We compared the level of housing-cost burden by employing t-test and chi-squared analyses and the factors affecting the housing-cost burden by employing logistic regression analyses between the three groups. According to the empirical analysis, the housing cost is the most burdensome for the housing choice voucher recipients group, followed by the unsubsidized low-income renters and public housing residents. In addition, the factors affecting housing-cost burden are different between the three groups. In case of public housing residents, housing characteristics usually affect the housing-cost burden. For housing choice voucher recipients and unsubsidized low-income renters, both housing and household characteristics influence the housing-cost burden. Looking at the detailed factors, except for the housing tenure and regional average rents that are common factors for all groups, the amount of deposit is an important factor for public housing residents, and household employment status is an important factor for both housing choice voucher recipients and unsubsidized low-income renters. The policy implications of this study are as follows: First, it is necessary to review the blind spot of the current housing welfare policy. Second, a comprehensive review of the housing choice voucher program is required. Third, it is necessary to make policy efforts to ease the level of housing-cost burden for renters. Fourth, a program is needed for those public housing residents who need a deposit support. Fifth, there should be further assistance with public housing for the poorest people.

• Land and Housing Review
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• v.5 no.2
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• pp.69-79
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• 2014

Residential Environment Improvement Project (REIP) which has started in 1989 and continued with 3rd government-supporting project in 2013 has lots of policy changes and related studies. However, the related researches have focused on residents resettlement into the project site, this paper is more interested in the residents stability than residents resettlement. So, this paper analyzes the changes of residents stability on the site of REIPs (with 3 groups of dwellers, removers and newcomers). We survey about understanding of those projects, each interior physical housing characters, housing cost, outside settlement characters. On the base of case analysis, we can conclude as follows: firstly, the residents are more young, higher educated, and higher income but not alter to household, barrier, occupation. Secondly, REIPs have some positive influences on physical conditions of housing and outside characters but negative impacts on housing cost. In case of newcomers, there are no changes of housing size and room numbers but higher housing cost, better outside settlement conditions.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.7
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• pp.555-563
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• 2016

This study examined the economic burden of middle age householders supporting their family. They could not prepare for their later life because they are supporting their parents and children in their unstable employment. This study examined how to decrease the burden of middle age householders. Using the Korea Welfare Panel Study, this study analyzed data by hierarchical regression. The result showed that age, gender, education, unemployed, ownership of the house, number of employees, monthly income, and family relationship satisfaction had an effect on the economic burden of support by middle age householders. Based on the result, the researchers offered political suggestions for decreasing the levels of economic burden of support by middle age householders.

• Korea Real Estate Review
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• v.28 no.3
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• pp.79-94
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• 2018

This study analyzed the factors associated with residential mobility based on the data from the 11th to the 19th wave of the Korean Labor & Income Panel Study (KLIPS). After grouping low-income households within the first to the fourth income bracket into households that exhibited no income bracket change and those with income bracket changes during the research period, this study examined the effects of the income situation of each group on residential mobility. According to the results of the analysis, in the group of households that showed no low-income bracket change, significant effects were found only in the age of the head of the household, housing cost, and rental deposit (Jeonse) and monthly rental of the household. In the group of households that showed low-income bracket changes, findings were generally in line with those of the whole household, where total income and the number of full-time employees in the household were the same as those of the whole household, indicating that it would be necessary to improve the employment stability of low-income households. Based on the findings of this study, housing inequality is intensifying within low-income households, and, thus, housing policies, based on continuing surveys, must be implemented to enhance income opportunities and stabilize the housing needs of low-income households.

• Land and Housing Review
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• v.7 no.2
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• pp.77-85
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• 2016

The government has switched the purpose of housing policy, from the 'housing supply' to 'housing welfare', with the Housing Laws established in 2015 under evaluation that resident stability and resident standard were improved. But, as 'affordable' housing is gradually decreasing, residential environment has become more poor. Residential environment is a basic element for the child safety, health, and better education. This study explored that the poor resident environment had effect on the child, figured out the situation on housing poverty of domestic child and searched the situation of the residential policy of domestic and foreign child. The main results are as follows. First, the poor resident environment of childhood has a bad effect on the physical health, mental health, academic achievement and cognitive development. Second, 1.29 million children (11.9%) are living in condition of housing poverty below minimum resident standard and are concentrated in certain areas. Third, the policy on housing poverty of domestic child is almost absent and focuses on the elderly, young people. this study discussed political and practical solutions based on these research results. On the basis of these research results, as policy suggestions we proposed housing policy making based on the UN Convention on the Rights of the Child, evidence-based housing policy enforcement and, residential policy suggestions under the responsibility of central government, and as practical suggestions community working as the subject and related agency's solidarity from prevention activity of housing poverty and child advocacy point and we discussed way for issue and analyzed related laws, policies, commitments.

• Journal of the Korean Regional Science Association
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• v.32 no.1
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• pp.67-82
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• 2016

This study aims to test the spatial mismatch hypothesis by exploring the relationship between income and commuting time in Seoul, Korea. For this purpose, we analyze the commuting times of individuals who commute to Seoul, using the data for the metropolitan household survey. We employed a hierarchial linear model(HLM) to capture the effects of both individual attributes and regional attributes, and their interactions. The results show that the commuting time decreases with household income controlling for the regional attributes, and the effect of income increases with the housing price of the location of a commuter's firm. This implies that the spatial mismatch holds for Seoul as follows: Lower personal income and housing affordablility extend individuals' commuting times, and the destinations' characteristics such as housing type and land use also have impacts on commuting time. These results have some policy implications for achieving social equity in terms of spatial structure of the city.