여유자금의 부동산 투자 의향 분석: 수도권·비수도권 거주 가구의 출생 코호트별 비교를 중심으로

다국어 초록 (Multilingual Abstract)

This study aims to analyze the factors associated with real estate investment intention in the event of surplus funds by comparing birth cohorts among households residing in metropolitan and non-metropolitan areas, and to identify structural differences in investment intention across regions and generations. To this end, a binary logistic regression analysis with sample weights was conducted using data from Statistics Korea’s “2024 Household Finance and Welfare Survey.” The results show that income level and debt holding are positively associated with investment intention, whereas homeownership is negatively associated with investment intention. In terms of birth cohorts, households born before 1964 exhibit a significantly lower investment intention compared to the reference group, while households residing in metropolitan areas show higher investment intention than those in non-metropolitan areas. However, the interaction effect between birth cohort and region is not statistically significant. These findings suggest that real estate investment intention is more closely associated with financial conditions than with regional factors, and that cohort and regional effects operate independently rather than jointly. Future research should employ multi-year panel data to examine the dynamic changes in investment intention in response to variations in the real estate market environment.