로지스틱 모형을 이용한 고정이자율과 변동이자율 저당의 선택에 관한 연구

다국어 초록 (Multilingual Abstract)

In order to secure the soundness of the housing finance market and spread the risk of household loans, it is necessary to spread fixed rate products and the government is currently encouraging long term fixed interest rate loans for this reason. In this context, this study attempts to analyze the determinants of fixed - rate mortgage options in Korean housing finance market using micro - data. In this paper, we analyze the determinants of borrowers fixed rate mortgages and variable rate mortgages by systematically identifying the factors that affect the domestic housing finance market. Choosing a fixed interest rate and a variable interest rate in a home mortgage for the purchase of a
home is determined by various criteria such as its financial status, purpose of purchase, and risk. In this process, the borrower may provide or provide various financial information in order to raise the insufficient funds. In particular, the low interest rate policy has been maintained for a long period of time, and the risk of interest rate increase is rising relatively. In particular, in the case of the initial interest rate on the interest rate structure of the fixed interest rate and the variable interest rate, there is a need to find various ways to reduce the loan cost in a structure in which the fixed interest rate is higher than the variable interest rate.

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