• 부동산연구
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• 제28권1호
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• pp.105-114
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• 2018

통계청에 따르면 우리나라는 이미 '고령화사회'에 들어섰고 빠른 속도로 고령화가 진행되고 있다. 우리나라 중 고령자 가구의 자산구조를 살펴본 연구에 따르면 총자산 대비 부동산자산의 비중은 약 73%로 부동산자산이 차지하는 비중이 높게 나타나고 있으며, 이러한 상황에서 은퇴 이후 생활비 확보를 위해 부동산자산을 유동화 시키는 경우 국내 주택시장에- 큰 영향을 미칠 것으로 예측된다. 하지만 과거에는 공적연금이라는 수입이 수급액도 크지 않고 수급자수도 제한적이어서 일반적인 은퇴가구의 주 소득원이 되기는 어려웠으나 최근에는 공적연금 수급자가 점차 증가하여, 은퇴가구의 소득원의 역할을 해낼 수 있다고 판단된다. 이는 노후에도 정기적인 소득원이 존재하게 되는 것이므로 연금수령유무와 그 수령액을 분석에 추가하여 중 고령가구의 주거소비에 어떠한 영향을 미치는가를 살펴보고자, 제 3, 5차 국민노후보장패널 자료를 이용하여 분석을 실시하였다. 연구 결과 순자산, 가구주의 성별, 교육수준, 가구원수 등과 같은 변수는 이전의 연구들과 비슷한 영향을 미치는 것을 확인했으며, 본 연구에서 변수로 추가한 연금과 같은 고정적인 수입 또한 주택소비규모에 양의 영향을 미친다는 것을 확인하였다.

• 유통과학연구
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• 제12권4호
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• pp.31-39
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• 2014

Purpose - This study investigates the following two issues. First, we attempt to find the important determinants of housing investment and to identify their significance rank using survey panel data. Recently, the expansion of global uncertainty in the real estate market has directly and indirectly influenced the Korean housing market; households demonstrate a sensitive reaction to changes in that market. Therefore, this study aims to draw conclusions from understanding how the impact of financial strength of the household is related to house investment. Second, we attempt to verify the effectiveness of diverse indices of financial strength such as DTI, LTV, and PIR as measures to monitor the housing market. In the continuous housing market recession after the global crisis, the government places top priority on residence stability. However, the government still imposes forceful restraints on indices of financial strength. We believe this study verifies the utility of these regulations when used in the housing market. Research design, data, and methodology - The data source for this study is the "National Survey of Tax and Benefit" from 2007 (1st) to 2011 (5th) by the Korea Institute of Public Finance. Based on this survey data, we use panel data of 3,838 households that have been surveyed continuously for 5 years. We sort the base variables according to relevance of house investment criteria using the decision tree model (DTM), which is the standard decision-making model for data-mining techniques. The DTM method is known as a powerful methodology to identify contributory variables for predictive power. In addition, we analyze how important explanatory variables and the financial strength index of households affect housing investment with the binary logistic multi-regressive model. Based on the analyses, we conclude that the financial strength index has a significant role in house investment demand. Results - The results of this research are as follows: 1) The determinants of housing investment are age, consumption expenditures, income, total assets, rent deposit, housing price, habits satisfaction, housing scale, number of household members, and debt related to housing. 2) The impact power of these determinants has changed more or less annually due to economic situations and housing market conditions. The level of consumption expenditure and income are the main determinants before 2009; however, the determinants of housing investment changed to indices of the financial strength of households, i.e., DTI, LTV, and PIR, after 2009. 3) Most of all, since 2009, housing loans has been a more important variable than the level of consumption in making housing market decisions. Conclusions - The results of this research show that sound financing of households has a stronger effect on housing investment than reduced consumption expenditures. At the same time, the key indices that must be monitored by the government under economic emergency conditions differ from those requiring monitoring under normal market conditions; therefore, political indices to encourage and promote the housing market must be divided based on market conditions.

• 한국주거학회논문집
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• 제17권1호
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• pp.97-105
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• 2006

The purposes of this study are to find out the current status and features of earth housing, and to explore users' level of satisfaction and needs of improvement about earth housing. Primary findings are as follows: (1) The area of earth housing is generally 25-34 pyong and the construction cost of earth housing is usually 3,000,000-3,400,000 won per pyong. (2) The age of earth house users is generally forties, fifties, and sixties. And their occupation is usually retiree and farmer. The age of earth based pension users is generally twenties and thirties. (3) The construction method of earth housing is usually earth brick structure reinforced with wood structure and earth brick structure(adobe). (4) The finish of outer wall is generally earth brick laying and earth plaster. And the finish of inner wall is usually wall paper and earth plaster. Roof tile and asphalt shingle is frequently observed as roof finish. (5) Users' satisfaction about earth housing is investigated high level. Especially, the satisfaction degrees about faculty of humidity control, stink elimination, prevention from sick house syndrome, support for psychological stabilization and deep sleep are observed very highly. (6) Reduction of construction cost and prevention of crack is investigated as needs of improvement about earth housing.

• 한국주거학회논문집
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• 제22권6호
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• pp.11-19
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• 2011

This study explores consumers' intention and attitude to a group home for the middle class elderly, which provide local communities with the small residential spaces where seniors can feel at home. Questionnaire method was performed, and 193 data were gathered in Jeonju city. The results are as follows. When respondents have a size of house (66.2-99.1 $m^2$), elderly disease or dementia, and their annuity or their spouse annuity, and when they are much old, their intentions to move into a community friendly group home for the aged is detected. The respondents and their spouse with the pension of more than 2,000,000 (KRW)/month have an intention to move to this group home. Also, they and their spouse with annuity have positive attitude to it, and these goups with the pension of more than 2,000,000 (KRW)/month have low negative attitude to it. So, house size, health condition, and annuity are variables to determine to move into it.

• 가정과삶의질연구
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• 제14권3호
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• pp.1-20
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• 1996

The purposes of this study are to investigate the living environments, focused on economic and housing environments, of the elderly households in Chungbuk and to provide for the suggestions from the perspective of the well-being of the elderly. The results are as follows: for the economic environment, 70% of the elderly households receive the economic help from children, but the amount of the help is not much. Less than 20% of the households receive the pension and public assistance. Most elderly households had more assets than debt. The households tend to spend more for the necessties than for the non-necessities. The higher the income, the more the assets and the higher the consumption expenditures the higher is the life satisfaction. Therefore it is necessary to provide the elderly with opportunities to increase their income. For the housing environment, most elderly live in their own detached house with average size of 23 pyung. And there is 1.6 households per house. The condition of housing facilities is poor. The elderly prefer staying in the same place to moving, and invest little for their housing even though being able to afford to do so. The housing satisfaction, which is significantly influenced by the ownership the size the quality change in moving and the housing facilities, is correlated with the satisfaction of their condition as elderly households and their living satisfaction. Therefore, thoughtful policy is required to improve the standard of housing condition for the elderly households.

• 한국주거학회:학술대회논문집
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• 한국주거학회 2005년도 추계학술대회 논문집
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• pp.177-180
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• 2005

In accordance with recent highly advanced economic growth, the demand of leisure life is quite increasing, and also the increase of nature-friendly leisure with health-pursuing concept where human -being enjoys pleasant environment, is to me said as one of recent social traits. Accordingly, it is research the present situation and characteristic of the popularized housing-type accommodating facility, and then this study has discussed on the method how to plan the interior space of such facility to meet with environmental -friendly peculiarity and the object for health enhancement. At first, the program which applied the sustainable design techniques should be preceded, and when planning of interior space, the management method and space planning on the facility and the system should be properly considered in order to enhance the user's health. So to speak, in order to keep and promote the space user's health, those proposing methods such as the followings have been suggested likely as, consideration regarding to air-ventilation and lighting, usage of environmental-friendly material, use of life drainage, custom-typed plane planning, utilization of balcony space, storing furniture and systemization of kitchen space, themed bathroom, inducement of indoor-gardening, and so on. It is expected that this could be applied very usefully to the space plan of the small-scaled housing-type accommodation under planning to develop or renovation.

• 한국주거학회논문집
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• 제16권5호
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• pp.49-56
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• 2005

This study will focus on status and structure of Japanese public reverse mortgage that has been changed since 1980. Especially, on newly introduced long-term supporting system for living fund after 2003. Private housing construction companies studied preceding cases of real estate products with reverse mortgage theory and also induced learning point from the change of Japanese public reverse mortgage market. From this on the purpose of this study is suggesting a better plan for successful reverse mortgage introduction in Korea. The data and articles of Japanese reverse mortgage are used for this study, also reverse mortgage related data are collected from web-site and research reports from the inside and outside of the country. From the total postal survey in September, 2004, the system contents after Year 2003 are described here. As described above, reverse mortgage is a way to support public social pension system and expected to play an important role as an assisting method for stable housing and supporting living cost to the aged. Eventually, it is necessary to find a way for introducing a public reverse mortgage as a welfare system for low income people.

• 한국주거학회:학술대회논문집
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• 한국주거학회 2011년도 춘계학술발표대회 논문집
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• pp.290-295
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• 2011

The purpose of this paper was to study on the attitudes about Reverse-Mortgage among Baby Boomers to offer the basis for revitalization of Reverse-Mortgage. Social survey research using a questionnaire was conducted among the babyboomer's living in Seoul area from September $30^{th}$ to October $14^{th}$. The data from 102 respondents were analyzed using SPSS PASW 18.0. The main findings were as followings 1) although 64% of the respondents prefered to type which could withdraw temporary cash, but main factor that affected the use was a stability in one's old age 2) 72% of respondents thought adequate age for application was over 66. So lowering the qualification of age looked not need for revitalization 3) babyboomer's said that they would use reverse-mortgage if they couldn't get benefit from other pension inspite of getting lower recognition on house inheritance. It was be cause they regarded Reverse-Mortgage as a final step. In conclusion, current qualification and limit for withdraw looks adequate but it need public relations about its merit unlike other pension. And it has to emphasize its stability so that baby boomer can feel easy from holding a mortgage on their house.

• 문화기술의 융합
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• 제9권6호
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• pp.17-23
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• 2023

이 연구는 한국의 청년세대가 복지제도에 대해 가지는 사고의 지형에 주목한다. 8개의 복지영역에 대한 정부지출의 확대 또는 감소에 대한 태도, 그리고 복지태도와 관련된 주요 이슈들에 대한 청년세대의 태도들이 주요 분석내용이다. 사전 가설이 설정되어 있지 않은 탐색적 성격의 연구이며, 분석결과에 대해서는 사후적 해설이나 추후 연구에 활용될 수 있는 가설 도출을 수행하고자 한다. 자료는 2022년에 수행된 한국복지패널 17차년도 조사결과이며 평균차이 검증과 사후 비교, 그리고 범주형 변수 간의 구체적 연관을 보여주는 대응분석이 활용되었다. 분석결과 한국의 청년세대는 다른 세대에 비해 교육수준에서는 '전문대졸'과 '대졸'이, 경제활동 상태에서는 '상용직'의 분포가 높게 나타나고 있다고 할 수 있다. 그리고 '230대'가 생각하는 가장 시급한 사회문제는 '주거'와 '양육'인 것으로 나타났다. 계속해서, 한국 청년세대는 중장년 및 노년세대에 비해 교육수준이 높고 상용직 위주의 경제활동 상태를 유지하고 있으며, '공적연금'에 대해서는 정부지출의 확대에 반대하지만, '주거지원'에 대해서는 정부지출 확대에 찬성하고 있는 것으로 나타났다. 그리고 노년층('60대'와 '70대')에 비해 보편주의 복지태도를 지향하고 있으며, 50대 이상의 연령대에 비해 진보적 정치성향을 보이고 있으나 정작 복지를 위한 증세에 반대하는 경향은 노년층에 비해 강하게 나타나고 있었다. 적어도 복지이슈에 대해서 한국 청년세대에서 발견되는 독특한 자의식 구조를 엿 볼 수 있는 분석결과로 보인다.

• 의료ㆍ복지 건축 : 한국의료복지건축학회 논문집
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• 제16권3호
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• pp.69-79
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• 2010

Canada is a democratic country, yet it keeps a social democratic system in which the government is in charge of welfare of its people. And this is one of the most significant features about the country. Her public and private pension system has been effective since the 1920s, securing its people's fundamental income. In particular, the public medical system applies to its every citizen and performs its role. This system is called the National Medical System as well as "MEDICARE" named after its related law. However, there has been a significant change in the national medical and welfare policy due to the budget deficit. In other words, the policy was mainly implemented to welfare facilities in the past, but the policy changed to a welfare policy for the elderly with a concentration on the support for self-reliance of senior citizens since the reform. The purpose of this study is to provide data and implications for Korea through the analysis of the current situation and distinct features of the housing welfare system in Canada. This study has researched the literature on the subject with an analytic focus on three aspects that are the fundamental frame of the system, essential content (support for self-reliance and facility composition), and distinct features of the housing for the elderly. In other words, they are, first, how the fundamental frame of the housing welfare system for the elderly is composed; second, how the service for self-reliance welfare and facility service are composed; and third, what their scale and distinct spatial features of general houses for the elderly with self-reliance are. A comparative study was conducted in detail on courses and characteristics of the housing welfare system for senior citizens in Canada and the USA of North America. In particular, it reveals the scale and distinct spatial features of public houses for the elderly with self-reliance in British Columbia (BC) which is one of the main provinces of Canada.