전세 거주 청년 부부가구의 지역 간 거주환경과 주거비 차이

이현정,남상준,Hyunjeong Lee,Sangjun Nam 한국토지주택공사 토지주택연구원 2023 LHI journal of land, housing, and urban affairs Vol.14 No.3

본 연구는 전세로 거주 중인 청년(19-34세) 부부가구의 거주환경과 주거비를 네 지역으로 구분하여 비교하고 그 영향 변인을 분석한다. 2020년 주거실태조사를 횡단면 분석한 결과, 청년 부부가구는 31-32살의 대졸 이상 임금근로자인 남성 가구주가 있는 혼인 2-3년차 내외의 신혼부부였다. 맞벌이 비율이 높은 수도권 중 서울에서 무자녀의 맞벌이 2인 가구, 비수도권에서 유자녀의 외벌이 3인 가구가 두드러졌다. 수도권 가구의 자산, 전세 보증금, 부채, 소득이 비수도권보다 더 컸고, 특히 가장 큰 서울과 가장 적은 비수도권 지역 간의 격차는 더욱 벌어졌다. 또한 전체적으로 60m² 이상의 침실 3개를 갖춘 아파트에 1년 이상 거주 중이었고 최저주거기준을 충족하는 주택에 주거복지서비스 중 전세자금대출을 주로 이용 중이었다. 주택 및 전체적인 주거환경의 만족도는 특·광역시와 서울 가구에서 높은 편이었으나, 경인 가구는 모두 불만족하였고 비특·광역시 가구의 전체적인 주거환경 만족도가 가장 낮았다. 이처럼 연령, 혼인상태, 주택점유형태의 동질성에도 불구하고 지역 주택시장과 복수 소득원 여부는 가계재무 구조와 거주 질의 지역 간 차이를 키웠고, 이러한 격차는 가족 및 주거생활주기와 생애주기를 이행하는 과정에서 자산시장의 변동성으로 심화되리라 예상된다. 한편, 주택 및 전체적인 주거환경 만족도의 공통된 영향 변수는 (경인의 전체적인 주거환경 만족도를 제외하고) 근린환경 만족도였고, 주거비의 결정 변인은 지역별로 달라 서울의 주택규모, 경인의 생활편의시설 만족도, 비특·광역시의 여성 가구주 가구로 혼재된 영향력을 나타났다. 따라서 이들 주거 수준의 지역간 차이가 장기적으로 주거불균등, 나아가 지역 불균형으로 발전될 개연성이 크므로 이를 완화시킬 선제적인 대책마련이 요구된다.

생애사를 통해 본 중산층 기혼 여성의 첫 자가마련을 위한 주거경로

이현정,Lee, Hyunjeong 한국주거학회 2015 한국주거학회 논문집 Vol.26 No.2

The purpose of this study is to explore the housing pathways of middle-class married women toward owning a first home. In doing so, an in-depth interview as a qualitative method was conducted, life history was utilized to track down the path to first-home owning, and all the interviews were transcribed for analysis. The research participants were well-educated middle-class full-time housewives owning a home. The findings indicated that family formation through marriage and child birth was a primary driving force to buy a home. It was shown that owning a home was perceived not just as a stepping stone for building both family wealth and social capital but as one of the most important pillars to reinforcing traditional family values. In spite of some intergenerational distinctions on the path toward home owning, commonalities across generations included that home owning was considered to be a social icon for middle-class, it became almost impossible for younger generations without parental support which stimulated the intergenerational transfer of wealth, and it was greatly determined by both family income (affordability) and home finance options(borrowing capacity). This research implies that the changing social landscape transforms the value on homeownership and could undermine the socioeconomic strengths of home owning. Nonetheless, it's of importance to strategically assist first homebuyers who are likely to be a member of middle-class.

세대 간 가계 자산구성 및 주택자산의 투자 성향 분석 - 수도권 거주 베이비부머와 에코세대를 중심으로 -

이현정,Lee, Hyunjeong 한국주거학회 2015 한국주거학회 논문집 Vol.26 No.1

The purpose of this research is to examine generational distinctions of housing investment and household wealth for two different age cohorts - 'baby-boomers' and 'eco-boomers'. In so doing, national survey data of two different periods were analyzed and the primary results are summarized as follows; aggregate assets of both generations have risen, and the rising household debt for baby-boomers was related to loans for living expenses while eco-boomer's debt was ascribed to home-buying loans. In the midst of economic slowdown, the age cohorts had conservative asset allocation in preference for risk-averting investment like savings. The main purpose of saving and investment was distinctive across the groups? retirement for baby-boomers and home purchase for eco-boomers. Both groups prioritized reduction of household liabilities and also were cautious on investing in real estate. Still home-buying was considered to be an important driver for asset accumulation. While baby-boomers were unwilling to dispose any form of owned real estate, eco-boomers found it challenging to take on a long-term investment like home-buying, especially in economic uncertainties. Rather the young generation would diversify asset allocation with better-returning investment commodities like stocks, bonds and derivatives.

세대 간 사회인구학적 특성 및 거주 특성 차이 분석

이현정,Lee, Hyunjeong 한국토지주택공사 토지주택연구원 2020 LHI journal of land, housing, and urban affairs Vol.11 No.4

This research explores the generational similarities and discrepancies of socio-demographic and housing statuses between young adult children leaving the parental home and their parents. Utilizing the 20th Korean Labour and Income Panel Study (KLIPS), this study identified a total of 609 households who have left their parent home from 1999 to 2017. Two-thirds of the adult children were married couples while the rest was singles. Children's educational level was higher, and their household size was smaller than their parents. Both generations were mainly headed by employed and married men. The vast majority of the adult children lived in the same area with their parents and lived as tenants in much smaller housing than their parents. On the contrary, most parents were homeowners of a large single-family home. The generational differences were clearly observed in housing tenure, housing structure, and housing size. Although leaving parents' home is part of a transition to adulthoods (depending on the stability of the labor market and the affordability in the housing market), that process was largely triggered by the employment status that can lead to economic independence rather than their marital status. Both housing and job opportunities are important factors to determine independent life.

수도권 거주 자가소유 베이비부머의 주택자산효과 변화 분석

이현정,윤정득,Lee, Hyunjeong,Yoon, Jungduck 한국주거학회 2015 한국주거학회 논문집 Vol.26 No.3

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.

청년층 가구의 주거실태 변화에 관한 종단 분석

이현정,임태균,Lee, Hyunjeong,Yim, Taegyun 한국토지주택공사 토지주택연구원 2022 LHI journal of land, housing, and urban affairs Vol.13 No.2

This paper examines residential environment quality and housing expenses of young households through longitudinal analysis. Using the 5^th and 15^th Korea Welfare Panel Study (KoWePS), this research compared their housing outcomes with those of the Korean households. The statistical analysis revealed that most young households were highly-educated, salaried workers who were predominantly married men in their early 30s. There was a sharp rise in the number of female householders and one-person households. Also, the young households were largely renters of mid-sized multi-family housing with two bedrooms in non-Seoul Metropolitan Area. Their housing expense was slightly higher than the national average. As a proportion of renters of multi-family housing (exclusive of apartments) rose, the proportion of young households who spent more than 25% of their income increased faster than the national average. The proportion of young households in the Seoul Metropolitan Area outpaced the national average. Their monthly rental arrangements grew in contrast to no change in the nationwide monthly rental arrangement over the survey period, resulting in their high burden on housing expenses. Their homeownership rate was below the national average, and it decreased while the overall homeownership rate increased nationwide, implying that their housing affordability was worsened, which made it difficult for them to move up the housing ladder. Thus, this research suggests housing policies that scale up support for young households.

멀티미디어 학습 환경에서 학습자 특성별 인지부하 효과

이현정 ( Hyunjeong Lee ) 한국교육공학회 2005 교육공학연구 Vol.21 No.2

중국 도시 비노년층 1인 가구의 주거궤적 및 거주환경 평가 분석

이현정(Lee, Hyunjeong),왕예원(Wang, Yiyuan) 한국도시행정학회 2022 도시 행정 학보 Vol.35 No.1

본 연구는 중국 도시에 거주하는 비노년층 1인 가구의 사회경제적 특성과 연령층별 주거궤적을 파악하고, 거주환경 평가의 영향 요인을 살펴보는데 그 목적이 있다. 설문조사로 수집한 448부를 통계 분석한 결과, 대다수는 대졸 이상의 고학력 남성 근로자였으며, 청년층(20-34세)은 주로 고학력의 미혼 임금근로자였고, 중년층(35-49세)은 고학력・고소득의 임금근로자로 이혼한 여성 1인 가구 비율이 상대적으로 높았으며, 장년층(50-64세)은 저학력자・저임금의 비혼 자영자가 많았다. 연령층은 교육수준과 반비례 관계, 가구주연수와 비례 관계, 근로여부와 소득과 역U자 모양을 보였으며, 교육수준, 직업, 근로여부, 소득 간의 상호관련성이 있었다. 이전 주택, 현재 주택, 희망 주택으로 이어지는 생애과정 모델(Life-Course Model)에 기반한 주거궤적을 주택점유형태, 주택유형, 주택규모, 침실 수, 주택연수, 소득대비주거비 등으로 나뉘어 분석한 결과, 침실 3실이 있는 중형 규모의 저밀도의 신축 주택에 자가로 거주하며 소득대비주거비를 15% 안팎으로 지출하길 기대하였으나 현 주거수준과 상당한 격차를 보였고, 특히 주거비 부담은 거주환경 평가에 부정적인 요인이었다. 또한 전체적인 거주환경에 대한 주관적인 평가는 모든 연령층에서 공통적으로 주택만족도가 가장 큰 영향 요인이었으며, 그 외 주요 설명변인은 연령층별로 주거환경 요소, 주택요소, 주택특성, 사회경제적 특성에서 다르게 나타났다. The purpose of this research is to examine socioeconomic status of working-age single-person households in urban China, to explore their housing trajectories, and to compare their residential assessment among three distinct phases of the adult life span – young (20-34 years), early middle-aged (35-49 years) and late middle-aged singles (50-64 years). Based on the life-course model and housing trajectory, this cross-sectional research collected the data by using a self-administered questionnaire survey, and performed statistical analysis with 448 responses. The results reveal that educational attainment, employment status and position and income of the repsondents were interrelated; young and early middle-aged singles were college-educated, high-paid salaried workers and late middle-aged singles were low-educated, low-paid and self-employed. Also, the housing trajectories indicate that all the respondents were better housed in current stage than in earlier stage, faced with normative housing deficits, and had no plan for residential mobility. It’s obvious that income was associated with housing affordability and late middle-aged singles who were low-paid suffered from high housing cost burden, increasing housing dissatisfaction. On the contrary, early middle-aged single-person households who were high-paid maintained relatively low housing costs which was considered to be adequate. With regard to housing choice, various factors were influenced the decision of each group on housing choice - distance between home and work for young singles, housing affordabiilty for early middle-aged ones and livability for late middle-aged group. In addition, the residential assessment of the single-person households were largely affected by housing satisfaction, Thus, the findings imply that the housing trajectories of each age group are simply outcomes embedded into the Chinese housing system which is state-controlled, market-driven and highly commodified. It’s no doubt that the housing market has fueled economic inequality, deepening intergenerational discontents and eroding social cohesion.

협업적 모바일러닝이 문제해결과정에 미치는 영향에 대한 고찰

이현정(Hyunjeong Lee),류호경(Hokyoung Ryu) 한국HCI학회 2014 한국HCI학회 학술대회 Vol.2014 No.2

예비은퇴기 및 노년기 자가소유 가구의 주택자산이 소비지출에 미치는 영향 분석

이현정(Lee, Hyunjeong) 한국주거학회 2017 한국주거학회 논문집 Vol.28 No.1