• Journal of the Korean association of regional geographers
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• v.11 no.6
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• pp.620-639
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• 2005

In terms of loan transactions, mortgage volume secured by housing in Korea is the most important market share. Hitherto housing finance policies are treated as a kind of property pricing policy. So it is time to import financial systems on behalf of the mortgage loan consumers like a mortgage broker. A mortgage broker is an intermediary that brings a borrower and a creditor together to obtain a mortgage loan. The broker takes the application, performs a financial and credit evaluation, produces documents, and closes the loan. Especially mortgage brokers present themselves as specifically acting in the interest of the consumer by shopping on behalf of the consumer for the best product that meets the consumer's needs and financial circumstances. The paper investigates the economic role of mortgage broker, foreign systems focused on USA, UK, Japan, and characteristics of Korean housing finance markets. Finally the paper provides policy recommendations about Korean mortgage broker system composed of licensing type, uniform professional practice standard, educational requirements.

• Journal of the Korean Regional Science Association
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• v.34 no.2
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• pp.35-47
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• 2018

This research aims to examine the spatial patterns of vacant housings and the factors determining housing vacancy in Daegu using individual-level building DB. The results of the spatial pattern analysis showed a donut shaped-spatial concentration of vacant housings in the central areas of the city. The results of logistic regression analysis revealed that not only individual building characteristics, such as building area, number of floors, and building age, but also socio-economic characteristics of community, such as urban redevelopment district, number of adjacent vacancies, recent population change, and ratio of elderly, are important factors affecting housing vacancies.

• Journal of Korean Society of Rural Planning
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• v.22 no.4
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• pp.183-194
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• 2016

Rural house came into the rapid change through the process of modernization and Saemaul movement in the past. This change continue to the current era, there is a such exotic forms and indiscriminate development of new house and Saemaul housing and existing conventional farmhouse in rural area. Such a phenomenon, ultimately creating disharmony in traditional environment of rural. In this respect, reflecting the location characteristics of the region which is based on the regional characteristics and unique model of rural housing, it is absolutely required for the development of rural housing customized to fit the diversity of modern. With that background, the purpose of the research is to try and find out the changes in rural houses and the transforming characteristics. To achieve this research purpose, this research selected a specialized magazine for architecture. Then, it identified contents which has specific keyword. lastly, it analyze type and contents of house in rural area from selected article. This process make up the rural housing for effective utilization. The result showed that the type of economic activity and residents information directly show the character of the members who located in the new homes after retuning to farming. The polarization of structure was clearly visible by the building time. And, propensity to western-style of major components was very high such as shape and form of housing. However, it was found to prefer to reflect traditional aesthetics in the components of the housing partially. Therefore, more research is needed to reflect of the results of a survey. Also, analyzing the characteristic of rural house's element and suggesting ways to take advantage in order to present suitable element of modern rural house.

• Journal of the Korean association of regional geographers
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• v.13 no.5
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• pp.477-494
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• 2007

This paper offers a brief overview of the historical implications of residential segregation in Busan, Korea. It first reviews the history of residence from the early 1900s to the present and the transition of residential boundary of the City of Busan. It then considers the characteristics of residential segregation and the important factors in it. The social class of pre-industrial society led the inequality of residential areas around the Eubchee. The existed Korean residential areas were separated by newly built-up residential areas in the Japanese colonial era. After the liberation from Japanese Rule and Korean War, rapid population growth made considerable slums across the City of Busan. These slums were an important factor to segregate residential areas from prosperous areas ever afterward. The socio-economic status has related to residential segregation through the formation of differential housing classes since 1990s. The historial analysis of these periods will offer an insight into how the dominant factors lead residential segregation in a specific period by promoting a more socio-economically integrated society.

• Journal of the Korean Society of Environmental Restoration Technology
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• v.8 no.4
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• pp.43-51
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• 2005

Due to rapid and reckless economic development, natural resources of the national land have been damaged and polluted. Accordingly, the necessity for environment-friendly development has been on the rise and many have made efforts to assess the environmental value of the national land. This study divides the conservation areas by means of using relative elevation, slope, and development of housing land based on environmental evaluation of the national land. The relative elevation is obtained by the difference of altitude at the edge of the forest patch extracted from the land cover classification map based on the ridgeline, and the slope is obtained by environment-oriented land suitability analysis. The development of housing land is classified in accordance with the progress of each project. Twenty-six evaluation criteria are divided into five different grades using the minimal indicator approach and then sub-divided into ten grades by means of using the following two scenarios. The first one uses the weight of input materials while the second one relies on the size of patches that are emphasized in landscape ecology. Consequently, such a study demonstrated the following results. The method relying on the weight of input materials revealed the limitation of emphasizing input materials excessively, whereas the method of considering the size of patches resulted in the division of conservation areas that embody regional characteristics. This study is meaningful in that it classifies the conservation areas by reflecting the regional characteristics and the ecological values of animals and plants.

• Journal of the Regional Association of Architectural Institute of Korea
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• v.20 no.6
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• pp.121-129
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• 2018

The present study analyzed what policies are being executed for deteriorated apartments in Japan and what characteristics each policy had in order to examine policy direction and implications for the improvement of vitalization of remodeling business of deteriorated apartments in Korea. The study results are as follows. Japan recognized social problems of deteriorated apartments and pushed forward a national level remodeling actively by preparing financial support of central government and supporting plan by city and province. First, Japan maintained initial performance of buildings through phased maintenance for deterioration of buildings and aimed to reduce environmental load and maintain asset values of buildings through enlarging durability of buildings by responding to lifestyle according to social changes. To this end, they promoted the long life of buildings through the establishment of systematic long term repair plan from the stage of moving in the buildings. Second, in order to reduce the risk of remodeling projects, they prepared an environment where business could be carried out with an easy mind in various aspects by introducing remodeling business registration system and large scale repair construction defect insurance system. Third, they reduced economic burden of main agents of remodeling business with tax preferential treatment and financial support policies. Fourth, they have established remodeling support system based on overall social issues and connected it with social effect that could be obtained through this. The remodeling policies of Japan were carried out in the direction of solving social problems and considering economic aspect rather than just improving individuals' residence environment.

• Journal of the Korean housing association
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• v.27 no.3
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• pp.47-58
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• 2016

The new paradigm of urban regeneration, would promote the comprehensive communal view. Therefore, the community role has become an important and necessary for regeneration of communities. It is necessary for urban regeneration which should be matched with the regional characteristics, to develop an evaluation framework that can objectively and accurately diagnose the status of community; so it can be an integrated prescription. A new alternative, asset-based approach may be an alternative to build the community based on opportunities and strengths, which focuses on community inside and things that community have. In this study, a community asset is defined as the tangible and intangible components in the community. A community asset evaluation system is developed through the content analysis related to previous studies of several researchers who investigated the asset-based approaches. Community assets are classified into seven types: human, social, cultural, natural, physical, economic, and political property. Each type is classified into components and establish as a framework with 3 levels in order to set the indicators which can be measured concretely.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.10 no.5
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• pp.93-103
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• 2015

Residential environment is not only the physical aspects affected by the unique characteristics of the residents, social, economic, cultural, etc. are closely related to many environmental factors. This research is based on choice attribute theory that substantially explains how housing choice attributes affect loyalty via image, perceived value in Secho. This paper investigate empirically relationship between selection properties of residential environment and loyalty, moderating effect of image and perceived value. Results were computed using SPSS 20.0 statistical analysis programs. The results are summarized as follows. First, The elements of choice attribute are divided into six factor, such as regional reputation, green environment, convenience, property value, safety, housing status. In the results of the analyses, housing choice properties gives a positive influence to the loyalty. Second, testing its mediating role, I use the three regression equation models by Baron and Kenny. When the mediator effect of image, perceived value was represented, the effect of image and perceived value was statistically significant. Thus, the mediating role of image and perceived value was supported. It means the higher image and perceived value can enhance loyalty of Secho.

• The Korean Journal of Applied Statistics
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• v.34 no.5
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• pp.823-835
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• 2021

Identification of factors influencing regional population is critical for establishing government's population policies as well as for improving residents' social, economic and cultural well-being in the region. In this study we analysed the data from 2019 Population Housing Survey in Korea to identify the factors affecting the population size in each of the three regions: Seoul, metropolitan cities, and provincial regions. We applied a Bayesian quantile regression to account for asymmetry and heteroscedasticity of data. The analysis results showed that the effects of factors vary greatly between the three regions of Seoul, metropolitan cities, and provincial regions as well as between sub regions within the same region. These results suggest that population-related variables have very heterogeneous characteristics from region to region and therefore it is important to establish customized population policies that suit regional characteristics rather than uniform population policies that apply to every region.

• Journal of the Korean association of regional geographers
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• v.11 no.2
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• pp.169-186
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• 2005

This paper has focused on the geographical patterns of migrations and the influence of housing value(apartment) per pyung on the migrations within the one city(Seoul) for 1995$\sim$2003. The migration flows which are composed of the origin, the destination and the number of migrants, are examined at the administrative gu and dong level. As most migrations occur among adjacent gus and dongs, short-distance migration is prominent But there is a tendency for the short-distance migrations to occur between specific regions. Since the economic crisis of 1997 out of which Korea was rescued by IMF, differentiation of housing price is so evident that residental relocation is selective among dongs. It seems that the differentiation of housing price has begun to facilitate the relocation of households. Certain social groups are excluded from high-quality residences, as they cannot afford the high price. The number of migrants between dongs is closely related to the variation of the housing value per pyung within dongs. The short-distance migration may reflect this phenomena simultaneously. It seems that the intra-urban migrations in Seoul play a important role to produce and reinforce the residential segregation.