가구 특성을 고려한 주택구입자금 대출에 관한 분석 = Analysis of the Loan of the Housing Purchase Money in Accordance with Household Characteristics

다국어 초록 (Multilingual Abstract)

1. CONTENTS
(1) RESEARCH OBJECTIVES
The purpose of this study is to analyze the effects of household characteristics on the loan of the housing purchase money using the survey for householders in Busan.
(2) RESEARCH METHOD
This study was focused on survey analysis. The data for this analysis were collect from the questionnaire. This questionnaire consisted of the current loan existence. the loan ratio of housing prices, the loan ratio of household income and household characteristics. Specifically, the binary logit model and the oredered logit model was employed as the empirical analysis for t he study.
(3) RESEARCH FINDINGS
In the results of this study, the number of families and the period of house ownership are the important variables in the current loan existence analysing model. Also, age, the number of families and the period of house ownership are the important variables in the loan ratio of housing prices analysing model. Besides, age, the number of families, average household income and the period of house ownership are the important variables in he loan ratio of household income analysing model.
2. RESULTS
This study showed that if the number of families was increased and the period of house ownership was decreased, probability of making a loan to purchase house was increased. In addition, it showed that the number of families was increased and age and the period of house ownership were decreased, the ratio of loans to housing price was increased. Moreover, it also showed that if th number of families was increased and age, average household income and the period of house ownership were decreased, the ratio of loans to household income was incr eased.

목차 (Table of Contents)

• Abstract
• Ⅰ. 서론
• Ⅱ. 선행연구
• Ⅲ. 분석자료 및 분석모형
• Ⅳ. 가구 특성에 따른 주택구입자금 대출에 관한 실증분석
• Ⅴ. 결론
• 參考文獻

참고문헌 (Reference)

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