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박은병(EunByong Park) 한국지역개발학회 2001 韓國地域開發學會誌 Vol.13 No.1
This study aims to research the problems of a pre-saving system such as housing subscription time deposit, housing installment saving deposit and housing subscription saving deposit, and to suggest the improvements in those areas.^(1)) Until now the pre-saving system has played an important role in supplying the funds to housing banking institutions. A pre-saving system was possible because the situation of a housing demand greater than the actual housing supply. Recently the pre-saving system has been changed by factors such as a house for installment sale flexibly determined by the constructors and an increase in the housing supply rate. Such a change in the housing market has caused the problems of stable fund raising for the housing banking institution and these problems must improve in the long term. Compared to Korea, the Bauspar system of Germany is quite stable in terms of fund raising and the housing fund borrower can get loans more easily under lower interests from the bank despite the fluctuation of interest in the housing market. Here is the introduction of the Bauspar system of Germany also the suggestions for improvements in the pre-saving system in Korea.