• 주택과사람들
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• s.221
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• pp.48-51
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• 2008

5개월간 급등하던 주택 담보 대출 금리가 2주간 하락세를 보였지만, 국제 금융 시장 불안으로 최근 다시 상승세로 돌아섰다. 이에 따라 대출자의 이자 부담이 가중돼 대출 부실에 대한 우려가 커지고 있다. 우리나라 주택 담보 대출의 현황과 개선 방향에 대해 알아보자.

• 주택과사람들
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• no.38 s.55
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• pp.117-149
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• 1994

• 주택과사람들
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• s.215
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• pp.20-23
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• 2008

• Journal of Digital Convergence
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• v.17 no.1
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• pp.55-62
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• 2019

This study analyzed the relationship between housing price, purchase price, Gini coefficient, interest rate, and the employment, considering that the change in housing price was an important factor influencing macroeconomic variables and income inequality. The panel VAR model was constructed considering the panel data, and the Granger causality, Impulse response and Variance dispersion analysis were performed. As a result, when compared to before and after the global financial crisis, it was shown that the rent price had an effect on income inequality, but in the following period, both the rent price and the selling price affected the income inequality. And that it has a large impact on inequality. In addition, the causality between income inequality and employment rate, interest rate, and tax rate was confirmed. Therefore, it is expected that it will be a desirable policy to mitigate income inequality considering the influence of policy variables for economic activation including government real estate policy.

• Electric Engineers Magazine
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• v.178 no.6
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• pp.50-51
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• 1997

국세청은 금년도 소득세 확정신고와 관련하여 주택임대 소득세는 금융소득과 함께 자산소득이므로 다른 소득과 합산하여 신고하여야 한다. 주택의 보유는 임대주택법에 의한 주택임대 사업자를 제외한 주택이므로 매우 민감하고 신고절차가 까다롭다. 주택의 임대는 자녀교육, 요양, 근무형편 등의 이유로 소유주택에 살지 못하고 세를 주거나 신주택을 구입하고도 구주택을 처분하지 못하거나 또는 재산을 증식하기 위하여 여러채의 주택을 소유하는 경우 등이다.

• 주택과사람들
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• s.210
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• pp.54-57
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• 2007

전 세계 부호들의 개인 금고이자, 국제 금융 거래로 유명한 스위스 제네바의 자체 인구는 44만 명에 불과하다. 하지만 이곳에는 22개의 국제 기구와 170개의 NGO가 몰려 있고, 전 세계 154개국의 대표부가 자리하고 있다. 거리 곳곳에 고급 시계 제조 업체들의 사무실과 판매점이 즐비한 제네바의 면모를 들여다보았다.

• 주택과사람들
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• s.224
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• pp.50-53
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• 2008

침체된 부동산 시장에 미국발 금융 위기가 찬물을 끼얹었다. 경기 악화로 미분양 아파트들이 대거 급증한 가운데, 금융권의 대출 상환 압박에 시달리면서 건설사들의 유동성 위기가 심각한 수준에 이르고 있다. 이에 대해 정부가 대주단 가입 등 건설 업계 회복을 위해 힘쓰고 있지만, 좀더 적극적인 개입이 필요하다는 목소리가 높아지고 있다.

• Journal of Digital Convergence
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• v.19 no.12
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• pp.21-28
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• 2021

The purpose of this study is to analyze the efficiency of the policy direction to see if the government's purpose of relocating public institutions was achieved by analyzing the case of the Korea Housing Finance Corporation, which moved to Busan Metropolitan City in 2014. Based on the Korea Housing Finance Corporation's settlement management disclosure and public institution performance evaluation report from 2009 to 2019, efficiency was compared and analyzed using DEA analysis, work efficiency in management performance evaluation report, and financial ratio. The analysis results are as follows. First, in the case of DEA analysis, the difference in efficiency before and after fat transfer was not noticeable. Second, the efficiency analysis using the performance evaluation report and the financial ratio showed that the efficiency decreased after local relocation. Taken together, in the case of the Korea Housing Finance Corporation, efficiency decreased after local relocation, which can be attributed to sluggish business performance and inefficiency related to financial ratios. However, this study has limitations because it conducted an analysis on the Korea Housing Finance Corporation. To compensate for this, it is necessary to diversify the scope of research targeting all fund-managed quasi-governmental institutions in Korea. Nevertheless, this study is the first study to analyze before and after the relocation of fund-managed quasi-governmental institutions, and is expected to provide significant implications for future policies to be discussed.

• 주택과사람들
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• s.222
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• pp.44-47
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• 2008

미분양 물량 적체와 금융권의 대출 상환 압력 등으로 자금 경색 국면에 처해 있는 건설 업체들이 일제히 목소리를 높였다. 국토해양부의 권도엽 제1차관과 주택 정책 담당자들을 초청한 자리에서 건설 업체 임원들이 건설 업계의 급박한 사정을 알리고 이에 대한 대책 마련을 촉구했다.

• Land and Housing Review
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• v.4 no.1
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• pp.107-117
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• 2013

This study aimed to assess the rental housing ABS in Korea, and to suggest ways of improving the structure of existing rental housing ABS. Thus, the three major assessment for existing public rental housing ABS case can be summarized as follows : First, when viewed in terms of the accounting treatment, rental housing ABS which use the future receivables as underlying asset, can not enjoy off-balance-sheet effect. Second, when viewed from the point of financing costs, the rental housing ABS interest rate being higher than unsecure bond is very unreasonable nevertheless the ABS being off-balanced. Third, when viewed from the liquidity effect, the originator (LH) use the ABS as a means of diversifying funding in a serious liquidity crisis situation. The Improvement of rental housing ABS based on the evaluation results can be summarized into two broad. First, it is a plan to handle the off-balance-sheet effect in a way of changing the accounting treatment of rental payment. Second, it is a plan to reducing the structuring cost and interest rate in ways of multi-asset securitization structure, self-trust structure, and adopting legal CB structure.