• 한국지역지리학회지
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• 제11권6호
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• pp.620-639
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• 2005

우리나라 금융시장에서 주택담보대출이 차지하는 비중이 매우 크기 때문에 부동산가격정책의 중요한 수단으로 주택담보대출을 활용하여 왔다. 그러나 소비자의 편익을 증진시키기 위한 미시적 금융제도의 발전에는 다소 소홀한 측면이 있으며, 상품정보의 비교분석, 안정적인 대출상품거래 등의 측면에서 소비자의 입장을 반영하고 주택금융상담서비스 품질의 제고를 위해서 모기지 브로커의 역할이 중요해지고 있다. 역할의 중요성에도 불구하고 외국의 경우 모기지브로커 활성화에 따른 대리인 문제가 늘 존재하고 있기 때문에 안정적인 제도적 기반 구축이 모기지 브로커의 활성화에 앞서 중요한 과제라고 할 수 있다. 이에 따라 본 논문에서는 모기지 브로커의 기능과 경제적 존립근거, 외국의 모기지 브로커 제도, 우리나라 주택담보대출금융의 특성과 대출모집인 제도 등을 검토하고, 이를 토대로 소비자의 편익증진 수단으로서 모기지 브로커 제도 도입방안을 제시한다. 제도 도입을 위한 주요 구성내용으로는 자격형태는 국가공인민간자격의 형태로 도입하고, 업무실무 및 윤리규정, 수수료 규정, 공인중개사 역할 부여, 교육요건을 기본적으로 둘 것을 제시한다.

• 국제지역연구
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• 제12권3호
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• pp.49-67
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• 2008

본 연구에서는 경제 내 갑작스런 구조적 변화가 있을 경우의 최적 통화정책 준칙을 살펴본다. 연구의 첫 단계에서는 Markov 상태전환모형을 이용하여 미국 주택가격 상승률의 추이에 두 개의 상이한 상태가 존재함을 보인다. 식별된 두 개의 상태 중 하나는 실질 이자율이 상승시 주택 가격 상승률이 하락한다는 면에서 '통상적'인 상태로 보인다. 반면, 다른 상태 하에서는 주택가격 상승률과 실질 이자율이 양의 상관관계를 갖는다는 면에서 '이례적'인 상태라 할 수 있다. 연구의 두 번째 단계에서는 주택시장에 이와 같은 두 개의 상태가 존재할 경우 중앙은행의 최적통화준칙을 살펴본다. '통상적' 상태 하에서는 인플레이션 압력에 반대로 대응해야 하는 반면, '이례적' 상태에서는 인플레이션 압력을 수용(accommodate)해야 한다는 면에서 중앙은행의 최적통화정책은 비대칭적이다. 또한, 미래 상태에 대한 불확실성이 있을 경우 더욱 보수적으로 통화정책을 운용해야 한다는 결과가 도출된다.

• 융합경영연구
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• 제9권6호
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• pp.15-24
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• 2021

Purpose: The purpose of this study is to analyze the residential environment satisfaction of young women's one-person households and the characteristics of young one-person households, and to present policy implications for their housing problems. Research design, data, and methodology: This study used 11th Korea Financial Panel Data. Analysis methods in this study include basic statistical analysis, frequency analysis, multiple regression analysis, and artificial neural network analysis. Results: As a result of the analysis of this study, 1) young one-person households showed that women had higher ratios of non-regular workers, real estate debt than men, and lower average income. The percentage of young people owning their own homes was very low at about 5%. 2) For young women, the higher the education level and monthly consumption, the lower the housing satisfaction. 3) Young women living in rental housing had lower housing satisfaction than their own. Conclusions: Women are paying more for housing security than men in young one-person households. In addition, the proportion of their own houses is very low. Therefore, there is a need for a policy on the housing safety issue of young women's one-person households. And policies to support young one-person households to own their own homes are required.

• KDI Journal of Economic Policy
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• 제44권4호
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• pp.79-108
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• 2022

This study examines the impact of sentiment shock, which is defined as a stochastic innovation to the Housing Market Confidence Index (HMCI) that is orthogonal to past housing price changes, on aggregate housing price changes and housing price volatility. This paper documents empirical evidence that sentiment shock has a statistically significant relationship with Korea's aggregate housing price changes. Specifically, the key findings show that an increase in sentiment shock predicts a rise in the aggregate housing price and a drop in its volatility at the national level. For the Seoul Metropolitan Region (SMR), this study also suggests that sentiment shock is positively associated with one-month-ahead aggregate housing price changes, whereas an increase in sentiment volatility tends to increase housing price volatility as well. In addition, the out-of-sample forecasting exercises conducted here reveal that the prediction model endowed with sentiment shock and sentiment volatility outperforms other competing prediction models.

• 한국주거학회논문집
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• 제14권3호
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• pp.85-92
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• 2003

Considering the present development situation of rental apartment since 1982, the supply of homeless housing for low-income dwellers has contributed a amount of quantities, but has been deficient qualities in housing policy. To propose the energy policy for low-income dwellers, this study investigated the energy consumption and the degree of heating satisfaction by heating system through questionaries in permanent rental apartment and 50 year period rental apartment complexes. The results of this study were as follows; The annual energy consumption of heating and hot water supply is 267.2 Mca1/$\textrm{m}^2$ㆍyr in central heating system, is 163.9 Mca1/$\textrm{m}^2$ㆍyr in unit heating system. But from the view of annual energy cost and the degree of heating satisfaction, central heating system were better than unit heating system in rental apartment.

• 한국주거학회논문집
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• 제19권2호
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• pp.11-18
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• 2008

Due to an increasing amount of high rise apartment complexes and rapid city development, traditional houses and traditional housing districts have disappeared rapidly. Recognizing importance of traditional housing value, City of Seoul initiated public supports for traditional house preservation and revitalization of traditional housing district, especially Bukchon area. The purpose of this study is to examine the effects of public support for Bukchon area by investigating land value changes. Land value changes were compared among the three periods, 1) before the municipal support initiated ($1997{\sim}1999$), 2) initial period of governmental policy and support ($2000{\sim}2003$), 3) development period in which policy has activated and governmental preservation and revitalization efforts have exercised ($2004{\sim}2007$). For the comparison of land value changes, houses in other districts in City of Seoul have been selected. As a result, land value has been changed along with land value changes in other areas in Seoul. Land values of Bukchon area appeared in the middle range in Seoul area. However, the increasing rate of land value of traditional houses and traditional housing district are much higher than that of other areas. Except for economical support and legislation for preservation and revitalization of traditional housing district, there is few factors explaining the sudden increase of land values. The result indicated the positive impacts of municipal committment and policies on development and preservation projects and suggested that governmental policy and support should be practiced continuously for gradual development for the traditional housing district.

• 대한지리학회지
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• 제48권5호
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• pp.709-727
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• 2013

최근 전 세계적으로 고령자 주거정책의 기본철학으로 AIP(Aging in place) 이념이 대두되고 있다. 그러나 AIP에 대한 보편적 정의는 모호한 측면이 있어서, 정책적 편의에 따라 그 의미가 정의되는 경향이 강하다. 이 글은 초고령사회에 접어든 일본을 대상으로 하여, 고령자 거주문제 및 주거정책이 제기되어 온 과정을 분석하고, 그 과정에서 부여된 AIP의 의미를 비판적으로 고찰하는 것을 목적으로 하였다. 지난 20년 동안 일본의 복지정책은 고령자의 돌봄 담당자를 가족에서 사회로, 나아가 사회에서 지역으로 전환하는 정책이 추진되었는데, 이에 따라 고령자 주거정책도 3세대 동거 전략에서 민간 임대주택의 공급을 통한 지역거주 전략으로 전환되었다. 그런데 이러한 전환은 고령자의 삶의 질의 향상보다 정부의 재정적자 완화를 일차적인 목표로 추진되었고, 이에 따라 고령자 주거문제는 먼 곳에 입지한 시설이냐 지역 내에 입지한 재택이냐의 양자택일의 문제로 환원되고 있다. 이 글은 고령자 주거정책이 진정한 AIP 이념을 추구해야 하며, 이를 위해서는 고령자 주거의 시간적 연속성, 공간적 범주, 장소경험의 역동성, 장소의 의미, 공동체의 능력을 복합적으로 고려해야 한다고 제안하였다.

• 한국주거학회:학술대회논문집
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• 한국주거학회 2009년 춘계학술발표대회 논문집
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• pp.350-354
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• 2009

The housing policy of Korea has been focused on the expansion of housing construction so far. However, actual support for low-income households is still insufficient, especially in public rental housing. The purpose of this study was to identify various methods of reducing the housing cost burden of residents in public rental housing, focused on empowerment. For this, 198 management staff of public rental housing under Korea Housing Management were surveyed using questionnaire distributed by email during February 18 to 27. Several ways to reduce housing cost burden and to enhance the self-support will of residents in public rental housing were suggested as follows: development of education and service program inspiring the residents' empowerment, enacting a provision of Tenants Representative obligation in Rental Housing Act, and so on.

• 정보기술과데이타베이스저널
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• 제6권2호
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• pp.115-130
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• 1999

The price structure of housing market varies depending upon market price policy rather than low or high price policy because of IMF. The object of this study is to develop an analysis system for analyzing housing market and its demand. The analysis system consists of four major categories: macro index analysis, market decision analysis, housing market analysis, and consumer analysis. We model each category by using a variety of techniques such as generalized linear model, categorical analysis, bubble analysis, drill-down analysis, price sensitivity meter analysis, optimum price index analysis, profit index measurement analysis, correspondence analysis, conjoint analysis, and multidimensional scaling analysis. Seoul apartment data is analyzed to demonstrate the practical usefulness of the system.

• Architectural research
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• 제16권4호
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• pp.139-147
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• 2014

The purpose of this study is to explore institutional frameworks to professionalize housing management in Korea. In particular, this research reviews the evolution of professional housing management and its institutional measures in a social constructionist perspective. The main method employed in the study is content analysis in which historical pathways in institutionalization of professional housing management are examined and a wide array of indices from secondary data are drawn out in relation to various actors. The findings show that a series of institutional measures were taken from 1970s to secure the professionalization of housing management ranging from introduction of housing management bylaws, placement of licensed housing managers, legal requirements of professionally managed housing estates, compulsory operation of long-term reserve funds, formation of residents' association, mandatory establishment of long-range maintenance planning, to standardization of multifamily housing management bylaws. Since the Multifamily Housing Management Ordinance of 1979 amended in 1980s, many institutional measures have been legally enforced and shaped contemporary practices of professional housing management such as an association for housing management companies, qualification of on-site housing management agents, national licensing examination for housing managers, an organization for licensed housing mangers, mandatory registration of housing management companies, disclosure of monthly housing management fees, and formalization of public assessment of housing management. In spite of the distinctive marks in the professionalization of housing management, more proactive and competitive approaches to the international professionalization need to be considered.