• 가정과삶의질연구
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• 제29권3호
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• pp.13-22
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• 2011

The purpose of the study is to analyze the residential mobility effects and planning discrepancies of home-owning households and renting households. The data for the empirical analysis were collected from 248 units residing in Ulsan and were studied using descriptive statistics, chi-squared tests by cross-tabulation and multiple regressions. The majority of the households did not experience a change in types of housing structure or ownership after the residential mobility. However, the housing size increased after residential mobility, showing that most moves were due to the deficit of housing sizes. In terms of future mobility plans, there were significant differences between home-owning households and renting households. More than two-thirds of the renting households were willing to move within 2-4 years to obtain home ownership. On the other hand, most home-owning households were willing to move for housing size, education of the head, and investment purposes. Compared to the forty-four percent of the home-owning households, seventy-two percent of the renting households were willing to relocate, which shows the effects of unstable housing circumstances.

• 한국주거학회논문집
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• 제28권1호
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• pp.83-93
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• 2017

This research intends to find out the impact of housing wealth of home-owning pre-retirees and older adults consisting of young-old, middle-old and old-old groups on their household consumption. In doing so, this research analyzes 2,350 home-owning households by utilizing the 17th Korean Labour and Income Panel Study (KLIPS). The results show that housing wealth has a statistically significant effect on non-durable consumption of the pre-retirees, and young-old and middle-old groups of older adults, and housing wealth has a much stronger effect on household expenditure than does financial wealth or real estate. It's found that the consumption elasticity is particularly greater for female-headed households living in SMA, residing in apartments, holding a lower debt-to-asset ratio and being a pensioner. The empirical findings imply that the old-old group of older adults is unlikely to actively tap into their housing windfalls since housing asset becomes the last to dispose in the course of an individual's life. As housing wealth effects are especially strong when liquidity constraints faced by older adults are removed, it's of significance to substantially reduce household debt before retirement in order to constantly maintain an adequate level of household consumption or to promptly prepare for future contingencies.

• 대한가정학회지
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• 제41권5호
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• pp.205-220
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• 2003

The purpose of this study was to investigate factors affecting consumer's housing tenure status by various household's characteristics. This study used 1997 KHPS(Korea Household Panel Study) by Daewoo Economic Research Institute and used 1,977 households for the analysis. The results of this research were summarized as follows; 1. There were major differences in household's characteristics by consumer's housing tenure status, except for the household's monthly income and savings. 2. Factors affecting consumer's choice of ‘owning’ a housing and taking a ‘chonsei’ system were very similar, but they affected in the opposite direction. 3. Factors affecting consumer's choice of taking a ‘chonsei’ system and ‘renting’ a house were much more similar, and they affected in the same direction. This study can be useful in developing housing service and design, and housing policy by consumer's choice of housing tenure status.

• 한국주거학회논문집
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• 제26권3호
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• pp.45-54
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• 2015

The purpose of this research is to analyze the wealth effects of home-owning baby-boomers on household consumption on non-durable goods in the Seoul Metropolitan Area. In so doing, this empirical study utilized the Korean Labor and Income Panel Study (KLIPS) of 2002 and 2012. The statistical findings reveal that household wealth in the period had sharply risen in household income, asset, debt and consumption, and the substantial increase came from growing income and consumption embedded into an expansionary stage of the family life cycle. Further, housing wealth had a much greater effect on consumption expenditure than did financial asset in 2012 while financial wealth effect was larger than housing wealth effect in 2002. Housing wealth effects had become far stronger as the age of the baby-boomer householders increased. As the baby-boomers are close to the retirement stage, post-retirement income security becomes of concern, so that the wealth effect of real estate income as an income alternative for retirees is explicit. The results imply that retirement of baby-boomers is likely to reduce consumer spending, aggravating slowdown of the real economy. Thus, diversification of household asset portfolio in a pre-retirement period is of great significance in maintaining adequate household consumption in later life.

• 가정과삶의질연구
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• 제16권4호
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• pp.41-54
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• 1998

The purpose of this study is to analyze the compensation of rurul women receive instead of their physical participation and contribution to their households. I am specifically concerned with the rural women's economic status in relation to their decision making power on household and agricultural economic issues as well as property held in their names. The data of 166 rural men and women in Jyungpook Province are collected by using questionnaires in June 1998. The findings of this study are as follows; 1) Rural women contribute average 53% of their husbands' contribution to agricultural labor which is on average 43.0% of total annual household income. 2) The decision making power on major economic issues remains still very low among rural women. Rural women are still excluded from the possibility of actually owning assets such as property,. Only 189% had assets under their names for assets. 3) The significant factors concerning the rural women's decision making power on econo ic issues are gender-role attitudes of rural women and the husband's judgement of how much their wives contribute to the annual household income. 4) the major factors which influence rural women owning household assets are the decision making power on economical matters contribution to the annual household income and each woman's education level.

• 한국주거학회논문집
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• 제27권6호
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• pp.95-104
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• 2016

The purpose of this research is to compare housing wealth effects of home-owning single income couples (SIC) and dual income couples (DIC) on their non-durable consumption and to assess the effects by location, age groups, housing structure type, debt-to-asset ratio and employment status. Using the Korean Labor and Income Panel Study (KLIPS) of 2014, this empirical study identified 1,198 SIC households and 1,044 DIC households, and employed multiple regression analysis. The main results reveal that the difference of financial portfolios between SIC and DIC households was little but housing wealth effects were stronger among SIC households than DIC counterpart. It's evident that housing wealth effects were conspicuous for SIC and DIC households who were headed by wage earners aged over 40s, and resided in apartment outside the Seoul Metropolitan Area. However, household debt became a determinant in contradicting housing wealth effects of SIC and DIC households. While the household financial dimension was in proportion to income, DIC households didn't gain much financial security due to increasing expenditure. Further, this research imply that liquidity constraints explicitly posed a more serious threat to SIC households whose dependence on housing asset is larger than their counterpart.

• 대한가정학회지
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• 제35권5호
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• pp.1.1-15
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• 1997

The purposes of this study were to identify the household's financial status by life cycle stage and no analyze contributing factors to financial planning for retirement preparation among Korean marred couples. For these purpose, 2074 married couples those being under 55 and having either single earner or dual earners were selected, and total sample was divided into three stages; young-aged(＜35), middle-aged(35-44) & old-aged(45-54). Statistics were frequencies, means, percentile, and logistic analysis. The results were as follows. First, old-aged had higher level of total income, total expenditure and total assets than either young-aged or middle-aged. In addition, households those holding private pensions were likely to have higher total income, total expenditure and total assets than those owning no private pension. while middle-aged had a highest total debts. Second, gini coefficients of total income and total expenditure between three aged groups were similar, but old-aged had the highest gini coefficient of total assets and total debts. In particular, gini coefficients of total assets and total debts of households those having no private pension were greater than those holding private pensions. third, contributing factors to private pension ownership of young-aged were family & household-related factor and financial factor, middle-aged's factors were household head's characteristics and financial factor. Also, old-aged's factors were household head's characteristics, family & household-related factor and financial factor.

• 한국주거학회:학술대회논문집
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• 한국주거학회 2011년도 춘계학술발표대회 논문집
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• pp.296-300
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• 2011

It's well known that housing is one of the largest holdings in household wealth and at the same time the majority of households highly concentrate on it for their wealth accumulation. Coupled with a low interest rate and increasing housing price, the rationale is conspicuous and the propensity to debt-financed consumption becomes strengthened. This research was to examine the risk of home financing. In doing so, the study utilized several secondary data to identify the characteristics of households who finance loans for home buying in three regions of the nation - so-called Bubble 7, Seoul Metropolitan Area, and others. Based on the 2009 KB survey, the major findings were as follows: the majority of the studied households in Seoul Metropolitan Area who owned a house lived in rental housing, housing accounted for 89% of the household wealth, and home loans taken on were a ballon payment amortized for a short-term period (5 years) with an adjustable interest rate. In addition, the payment method most of the households depend on is income. The financing mechanism fueled debt load of the households, and further they are financially very vulnerable to such factors as increase in interest rate, unemployment and market downturn. In the absence of understanding the financial system, the consumption behavior leads to house-poor, so that financial accountability and ethics are addressed while the intervention of the government in home financing system should be more cautious but stimulate financial soundness in household wealth accumulation.

• 대한교통학회지
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• 제24권6호
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• pp.65-74
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• 2006

승용차이용이 많이 유발될 수밖에 없는 지역으로의 주거이동은 쉽게 간과되는 가구의 교통비 지출에도 원인이 있다. 가구의 자동차수요를 적게 일으키고 교통비를 절감시키는 주거입지와 구조를 알아보기 위해서는 주거지역의 공급시설수준에 따른 가구의 교통수용행태를 분석하고 이러한 자료를 기반으로 실제에 가까운 가구의 교통비용을 산정할 필요가 있다. 본 연구는 대중교통시설을 비롯한 근린시설들에 대한 접근도가 가구의 교통이용행태와 더불어 교통비 지출에 미치는 영향을 분석하는데 목적이 있다. 연구지역은 광역 함부르크 시이고 1,640가구들을 통행행태에 대한 설문조사가 실시되었다. 개인의 대중교통이용과 교통거리는 대중교통 공급시설만으로는 큰 영향을 받지 못하고 근린시설공급이 뒷받침 되어야 한다는 사실이 분석결과에서 나타났다. 또한 대중교통시설 및 근린시설이 부족한 지역일수록 여기에 있는 가구들의 승용차 보유수와 교통거리가 증가되었으며 이에 따라 결국 가구들의 교통비용이 늘어났다. 가구그룹들에서 교통비의 최고치와 최저치 사이에 가구당 월 약 200유로 차이가 났다. 가구가 쉽게 감지하기 어려운 주거입지별 평균 교통비용이 가시화되어 가구들에게 홍보된다면 가구의 주거이동행태를 교통수요가 적은 지역으로 유도하는데 기여할 수 있다.