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      청년층 임차가구의 주택구입계획과 저축 결정요인에 관한 연구 = Decisions for House Purchase Plan and Saving of Young Renters in Korea

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      https://www.riss.kr/link?id=A104216324

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      다국어 초록 (Multilingual Abstract)

      In this paper, we examine the determinants of house purchase plan and saving of young renters in Korea with a special emphasis placed on the discouragement effects of housing price. Based on intertemporal utility maximization framework, we discuss how the downpayment constraint influences a household’s decisions for saving and future tenure choice, and empirical models are estimated using cross-sectional data in 2006 and 2014.
      Estimation results show that a higher housing price lowers both the probability of having house purchase plan and the amount of saving of young renters in both years. While the former result can be regarded as discouragement effect of housing price, we argue that the second result may not necessarily be the discouragement effect: The lower saving of young renters in areas with higher housing price can be due to higher wealth already accumulated in terms of pure Chonsei or mixed Chonsei deposits, which are highly and positively correlated with housing price. Those young renters who have large deposits are not downpayment-constrained and thus can be better off by saving less and consume more in the present.
      Estimation results also indicate that young renter’s marital status and employment conditions are important determinants of house purchase plan and the effects of those variables became more significant in 2014 than in 2006.
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      In this paper, we examine the determinants of house purchase plan and saving of young renters in Korea with a special emphasis placed on the discouragement effects of housing price. Based on intertemporal utility maximization framework, we discuss how...

      In this paper, we examine the determinants of house purchase plan and saving of young renters in Korea with a special emphasis placed on the discouragement effects of housing price. Based on intertemporal utility maximization framework, we discuss how the downpayment constraint influences a household’s decisions for saving and future tenure choice, and empirical models are estimated using cross-sectional data in 2006 and 2014.
      Estimation results show that a higher housing price lowers both the probability of having house purchase plan and the amount of saving of young renters in both years. While the former result can be regarded as discouragement effect of housing price, we argue that the second result may not necessarily be the discouragement effect: The lower saving of young renters in areas with higher housing price can be due to higher wealth already accumulated in terms of pure Chonsei or mixed Chonsei deposits, which are highly and positively correlated with housing price. Those young renters who have large deposits are not downpayment-constrained and thus can be better off by saving less and consume more in the present.
      Estimation results also indicate that young renter’s marital status and employment conditions are important determinants of house purchase plan and the effects of those variables became more significant in 2014 than in 2006.

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      참고문헌 (Reference)

      1 정의철, "주거비용이 청년층의 가구형성에 미치는 영향 분석" 한국부동산분석학회 18 (18): 19-31, 2012

      2 임미화, "임차가구의 주택구입계획이 자산축적에 미치는 영향 분석" 한국주택학회 18 (18): 5-27, 2010

      3 이용래, "가구소득의 변동성이 주택점유형태 및 자가 주택수요에 미치는 영향 연구" 한국부동산분석학회 22 (22): 41-55, 2016

      4 Moriizumi, Y., "Targeted Saving by Renters for Housing Purchase in Japan" 53 (53): 494-509, 2003

      5 Sheiner, L., "Housing Prices and the Savings of Renters" 38 (38): 94-125, 1995

      6 Engelhardt, G. V., "House Prices and the Decision to Save for Down Payments" 36 (36): 209-237, 1994

      7 Haurin, D. R., "Expected Home Ownership and Real Wealth Accumulation of Youth" National bureau of economic research 1996

      8 Greene, W., "Econometric Analysis" Prentice Hall 2003

      9 Yoshikawa, H., "An Analysis of Female Labor Supply, Housing Demand and the Saving Rate in Japan" 33 (33): 997-1023, 1989

      1 정의철, "주거비용이 청년층의 가구형성에 미치는 영향 분석" 한국부동산분석학회 18 (18): 19-31, 2012

      2 임미화, "임차가구의 주택구입계획이 자산축적에 미치는 영향 분석" 한국주택학회 18 (18): 5-27, 2010

      3 이용래, "가구소득의 변동성이 주택점유형태 및 자가 주택수요에 미치는 영향 연구" 한국부동산분석학회 22 (22): 41-55, 2016

      4 Moriizumi, Y., "Targeted Saving by Renters for Housing Purchase in Japan" 53 (53): 494-509, 2003

      5 Sheiner, L., "Housing Prices and the Savings of Renters" 38 (38): 94-125, 1995

      6 Engelhardt, G. V., "House Prices and the Decision to Save for Down Payments" 36 (36): 209-237, 1994

      7 Haurin, D. R., "Expected Home Ownership and Real Wealth Accumulation of Youth" National bureau of economic research 1996

      8 Greene, W., "Econometric Analysis" Prentice Hall 2003

      9 Yoshikawa, H., "An Analysis of Female Labor Supply, Housing Demand and the Saving Rate in Japan" 33 (33): 997-1023, 1989

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      학술지 이력

      학술지 이력
      연월일 이력구분 이력상세 등재구분
      2027 평가예정 재인증평가 신청대상 (재인증)
      2021-01-01 평가 등재학술지 유지 (재인증) KCI등재
      2018-01-01 평가 등재학술지 유지 (등재유지) KCI등재
      2015-01-01 평가 등재학술지 유지 (등재유지) KCI등재
      2011-08-19 학술지명변경 외국어명 : The Journal of Korea Real Estate Analysists Association -> Journal of the Korea Real Estate Analysts Association KCI등재
      2011-01-01 평가 등재학술지 유지 (등재유지) KCI등재
      2008-01-01 평가 등재학술지 선정 (등재후보2차) KCI등재
      2007-01-01 평가 등재후보 1차 PASS (등재후보1차) KCI등재후보
      2006-03-10 학술지명변경 외국어명 : 미등록 -> The Journal of Korea Real Estate Analysists Association KCI등재후보
      2006-01-01 평가 등재후보 1차 FAIL (등재후보1차) KCI등재후보
      2004-07-01 평가 등재후보학술지 선정 (신규평가) KCI등재후보
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      학술지 인용정보

      학술지 인용정보
      기준연도 WOS-KCI 통합IF(2년) KCIF(2년) KCIF(3년)
      2016 0.64 0.64 0.75
      KCIF(4년) KCIF(5년) 중심성지수(3년) 즉시성지수
      0.81 0.85 1.108 0.13
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