환경변화에 따른 분양보증 역할 재정립에 관한 연구 = A Study for the Repositioning of Housing Guarantee Market on Environmental change

다국어 초록 (Multilingual Abstract)

Our country for last 40 from the world as searching forces concentration of the metropolis where follows in quick economic growth and with the growing population which is quick compares an origin in housing requirement and the chin without experiences the housing problem which is insufficient, in order to solve this the government reflects the public housing construction will be able to supply the house at the large quantity to a policy actively and comes, like this public housing in the center the house building of one large quantity solves the sheep suitable family actual condition of the house in brief period, promotes a technical development about the public housing and will be able to expect the effect where also the house level improves quickly.
Like this the residential supply of chain became accomplished mostly with pre-sale method. The pre-sale method on residential finance does not advance according to the periodic demand from the situation must supply the house of the large quantity in early rising as the system which is introduced accomplished the fund raising which is central for a past massive residential supply.
The occurrence of the social problem which is caused by with damage of the case residential consumer where the house building enterprise becomes bankruptcy the before completing and humanity of the house from under pre-sale method is inevitable, for the overcome of like this problem the guarantee agency which is public trust to the bankruptcy at the time of the house building enterprise to substitute the duty of the residential enterprise in the residential consumer and in order to execute, the sale in lots guarantee necessary, is to become.
Sale in lots guarantee leads and the residential sale in lots guarantee which has the character of public guarantee makes the actual problem point of the pre-sale method where the enterprising danger finally returns the residential consumer complement who is weak person economically and as and the problem point of pre-sale method system is minimized and the house stability of the citizen more to make the mediation of the function strengthen for a residential consumer protection.
Like this pre-sale method fund raising charge of the house building enterprise, the residential consumer within short duration despite of being sale in lots loan preparation etc. strengthens the option of the residential consumer from dimension the after sale in lots system introduction to be discussed, according to after sale in lots system introduction the role and function of sale in lots guarantee abridgment to the opinion with the fact that will disappear are dominative.
Even to 2012 after that but, sale in lots guarantee the after sale in lots system becomes fixed down payment and the part payment of 50% or more means will not be able to overlook the role as the case minimum social safety bolt which will consider the situation must pay before completing the house.
Also, the guarantee market opening according to demand of the consumer sale in lots guarantee is not limited only in the public housing not to be, public corporation before completing in the consumer magnification applies even general building etc. sells in lots and means becomes the opportunity will be able to apply the role which a social transactions order safety raises enough and hereafter 2 below being, the small-scale office with the fact that ratio of component change etc. of the increase etc. population of continuous increase and the very old man population of the furniture the demand progressively will increase means also will be necessary the function of sale in lots guarantee to confront to the house for rural life and old person residential etc. and to complement.
Only, relates with the magnification of the sale in lots guarantee object and option or obligation from within the scope where the corresponding supply market is not atrophied right of property protective scope of the citizen properly, the fact that being magnified progressively to the level must harmonize wishes position means will do.

목차 (Table of Contents)

• 제I장 서론 = 1
• 제1절 연구의 배경과 목적 = 1
• 제2절 선행연구 검토 = 2
• 제3절 연구의 범위 및 방법 = 3
• 제II장 분양보증의 이론적 고찰 = 4
• 제1절 분양보증의 개념 = 4
• 1. 분양보증의 도입배경 및 체계 = 4
• 2. 분양보증의 변천 = 9
• 3. 보증과 보험의 차이 = 12
• 제2절 분양보증의 특성 = 16
• 1. 제3자를 위한 조건부 계약 = 16
• 2. 보증채무이행방법의 선택권 행사 = 17
• 3. 분양관련 법령의 준수 유도 = 19
• 제3절 분양보증의 역할 = 21
• 1. 주택분양계약자 보호 = 21
• 2. 주택의 공급 확대 및 중소건설업체의 사업 촉진 = 22
• 3. 주택시장 안정화 = 22
• 4. 국민주택기금의 보전 = 23
• 제III장 건축물 유형별 분양제도와 주택금융체계 = 24
• 제1절 건축물 유형별 분양제도 = 24
• 1. 개요 = 24
• 2. 공동주택 = 26
• 3. 상가 등 분양건축물 = 27
• 4. 아파트형 공장 = 32
• 5. 콘도미니엄 = 35
• 제2절 공동주택의 주택금융4체계 = 39
• 제IV장 분양보증시장 현황 및 환경변화 = 47
• 제1절 분양보증시장 = 47
• 1. 분양보증실적 = 47
• 2. 분양보증사고 및 이행실적 = 49
• 제2절 분양보증시장의 환경변화 = 52
• 1. 후분양제 도입 = 52
• 2. 보증시장 개방 = 58
• 3. 인구 구성비 변화 등 주택수요의 변화 = 63
• 제V장 환경변화에 따른 분양보증 역할 재정립 방안 = 65
• 1. 최소한의 사회적 거래보호 안전망 역할 = 65
• 2. 다양한 소비자의 요구에 의한 기능 다각화 = 66
• 3. 소규모 주택단지 등 보증대상 확대 = 69
• 제VI장 결론 = 70
• 참고문헌 = 72
• ABSTRACT = 75
• <부록> 분양보증 약관의 변천 = 78