• 아태비즈니스연구
• /
• 제15권1호
• /
• pp.239-256
• /
• 2024

Purpose - The purpose of this study was to examine the main determinants of the gap between housing demand and house affordability. Design/methodology/approach - This study used the micro-level data of 60,043 households from Korea Housing-Finance Corporation by covering the period 2011 to 2022. Findings - First, the trend of general housing demand showed a higher figure in the future demand than in current demand. And such a tendency showed in all types of households, a relative young, low income, and single households. In the case of current housing demand, it has increased by 2022 from the beginning of 2013, while the future demand has rapidly increased from 2020. Second, although the house affordability showed a higher figure in current housing demand by 2019, its trend changed to be higher in future housing demand from 2020 by a rapid decreasing affordbility in current demand. In the case of young householders, the current house affordability was higher than that of future. The figure of low income householders was below 1 point in both periods, and house affordability of single householders showed a similar level in both periods. which showed over 1 point. Third, financial regulation on housing markets induced th widening of the gap between housing demand and house affordability, and such a trend is much atronger in the future(potential) gap of demand and affordability. More specifically, the strengthen financial regulation leaded to the widening of the gap in all types of households, a relative young, low income, and single households. Research implications or Originality - The effect of financial regulation is necessary to consider under the features of each households.

• 대한토목학회논문집
• /
• 제35권4호
• /
• pp.977-986
• /
• 2015

본 연구는 가구구성 및 주택점유형태에 따른 노인가구의 주거비 부담능력을 살펴보고자 하였다. 이를 위해서 국토해양부에서 실시한 2010년도 주거실태조사의 자료를 바탕으로 총 6,780개의 노인가구를 대상으로 분석하였다. 분석결과를 요약하면 모든 노인가구들은 소득이 낮을수록, 거주기간이 짧을수록, 서울지역에 거주할수록, 주거사용면적이 넓을수록 주거비 부담이 높은 범위에 속할 확률이 높아졌는데 거주지역 변수의 영향이 가장 큰 것으로 나타났다. 독거노인가구의 경우 자가독거노인가구는 여성가구주일수록, 임차독거노인가구는 남성가구주일수록 주거비 부담이 높은 범위에 속할 가능성이 높아졌다. 그리고 모든 유형의 임차노인가구는 재정부담이 커질수록 주거비 부담이 높은 범위에 속할 확률이 높아지는 것으로 나타났다. 노인가구의 일반적인 특성 뿐 아니라 실질적인 경제상황 등을 고려하여 고령사회로 진입하는 단계에 있는 노인가구의 주거안정을 도모할 수 있도록 해야 할 것이다.

• 한국주거학회논문집
• /
• 제23권5호
• /
• pp.31-39
• /
• 2012

This study has analyzed the effect of the housing affordability improvement of the residents in the metropolitan areas, applying Transit Supportive Home Loan (TSHL) which extends the loan amount according to the transportation cost saving based on Location Efficiency Mortgage (LEM) System in the USA. The previous studies focused on introducing LEM system to Korea, whereas this study has analyzed TSHL effect for the first time, taking into account the situation in Korea. For analysis, The Transportation Savings (TS) is calculated and Housing Affordability Index (HAI) is drawn by applying increased TS and DTI (Debt to Income), so the improvements of housing purchasing ability is examined by HAI's improvement. As a result, transit commute 1 (having own car) and transit commute 2 (without having own cars) respectively produce the TS of monthly average 36 thousand won and 110 thousand won in comparison with car using commute. Each additional loan (TSHL) amounts to 16.57 million won and 54.07 million won. As the distance is farther and the house price cheaper, the improvement of HAI is more outstanding. City hall area showed the highest improvements of HAI by 9.3% (transit commute 1) and 21.9% (transit commute 2) increase, in comparison with car using commute.

• 한국주거학회논문집
• /
• 제9권3호
• /
• pp.133-144
• /
• 1998

The purpose of this study is to analyze housing expectations and housing preferences of college students' first purchased house for the future. Data was collected through self-administered questionnaires for this study and the samples consisted of 797 college students. This study found that college students preferred a high-rise apartments, a 20-24 pyung (66.0㎡-79.2㎡) house in housing size and relatively new house. The housing features and interior features that college students like to have and expected to have in the first residence were different. Their housing expectations were fairly realistic considering their affordability. College students preferred to furnish video and audio equipments, exercise equipments and ceiling fans. They generally preferred hardwood floorings and decorative moldings and expected to have built-in closet in their master bedrooms. They expected to have linen closets and large mirrors in their bathrooms. They preferred ceramic tile counter tops, wood cabinets, vinyl floorings in their kitchens and they also preferred to use kitchen as a utility.

• 한국시스템다이내믹스연구
• /
• 제12권2호
• /
• pp.5-36
• /
• 2011

Seoul citizens are currently suffering from high housing price. Home prices have risen more rapidly than salaries so owning a housing unit (apartment, condominium, or single-family home) in Seoul is becoming more difficult than ever. Therefore, this research examines the behavior of average Seoul citizen in owning housing unit in Seoul, Korea, particularly in terms of the length of time required to afford a house unit. This research estimates that it will take about 18.75 years in maximum after getting a job (12.75 years after purchasing the housing unit) to own housing unit in Seoul that is currently valued at $300,000 where the growth rate of income is 2.97% and consumption price increases at a rate of 2.95% per annum. Finally in this research, the optimal growth rate of housing price is estimated ranged from 3.5 to 4.0% minimizing the loan payoff period.

• 한국주거학회:학술대회논문집
• /
• 한국주거학회 2003년도 정기총회 및 추계학술대회
• /
• pp.229-234
• /
• 2003

The purpose of this study is to suggest basic data to establish policy directions for improvement on quality of rural housing in Korea. A literature survey were used fur study The contents of survey includes policy supports in rural Korea and rural America. The results of the study grasped the situations that the newly built and repair, a vacant house, landscape and welfare with the support of rural housing policy in Korea. Also rural affordable housing policy examined supports of RHS programs in USDA variously. Based on the results, some policy directions to rural housing and community were suggested.

• 한국산학기술학회논문지
• /
• 제17권4호
• /
• pp.420-425
• /
• 2016

본 연구는 건축공간의 현상학적 논의로 물리적 환경과 심리적 행태의 관계성에 주목하며, 특정한 관계에 의해 분화 구성된 김주태 가옥을 대상으로 공간의 구성 방법과 행태적 의미를 시각 구조적 관점에서 분석하였다. 김주태 가옥은 사용자의 사회문화적 관계를 반영하여 명확한 방법으로 분화되어 구성되었으며, 채와 담으로 에워싸인 물리적 조건으로 관계적이며 독립적인 영역성을 부여하고 있다. 각각 독립적으로 한정된 영역은 순차적으로 접근할 수 있도록 공간의 열림을 제안하고 있으며, 이와 같은 과정적 공간 구성방식은 유도된 공간경험 과정에서 상대적 차이를 지각하게 되고 점증적으로 강한 폐쇄성을 인지하게 된다. 가옥의 중심부에 위치하고 있는 사이마당은 사랑채와 안채 사이의 공간깊이를 더욱 강조하는 입체적 층을 형성하고 있으며, 물리적 크기는 상대적으로 작은 공간이지만 관찰자 시점의 위치설정(공간의 원근감), 짧은 주기의 반복적 방향전환, 켜(layer)의 중첩 등의 환경적 조건에 의해 유도된 심리적 행태는 실제적 크기에 비해 상대적으로 멀게 혹은 깊게 인지하게 된다. 이는 '일반화된 타자'의 시각적 관점에서 대상을 어떻게 보이게 의도했는가에 대한 관계적 접근 방법이며, 사용자에게 지각된 환경지원성으로 심리적 태도와 행동을 유도하는 실행적 요소로 이해할 수 있다.

• 한국주거학회논문집
• /
• 제26권5호
• /
• pp.27-35
• /
• 2015

This study aims to analyze the housing satisfaction of 55 years and older (55+) single-person householders in U.S. urban communities with the 2011 American Housing Survey Data. Single-person householders younger than 55 years of age (55-) were used as a reference group. Housing Adjustment Theory was used to develop a research framework to depict the relationships of housing satisfaction (dependent variable) with demographic and housing variables (independent variables). The regression analysis revealed that age, health status, government income, race, gender, age of house, housing quality, neighborhood, structure type, and tenure status had a significant effect on housing satisfaction levels of both those aged 55- and 55+. However, for the cohort of 55+, education, census region, housing affordability, and structure size also affected their housing satisfaction. Neighborhood satisfaction had the strongest effect on housing satisfaction of both groups. These variables were discussed in terms of resources and constraints contributing to their housing satisfaction. This study highlights the present and future housing trends and challenges of U.S. single householders in U.S. urban communities.