• 아태비즈니스연구
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• 제15권1호
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• pp.239-256
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• 2024

Purpose - The purpose of this study was to examine the main determinants of the gap between housing demand and house affordability. Design/methodology/approach - This study used the micro-level data of 60,043 households from Korea Housing-Finance Corporation by covering the period 2011 to 2022. Findings - First, the trend of general housing demand showed a higher figure in the future demand than in current demand. And such a tendency showed in all types of households, a relative young, low income, and single households. In the case of current housing demand, it has increased by 2022 from the beginning of 2013, while the future demand has rapidly increased from 2020. Second, although the house affordability showed a higher figure in current housing demand by 2019, its trend changed to be higher in future housing demand from 2020 by a rapid decreasing affordbility in current demand. In the case of young householders, the current house affordability was higher than that of future. The figure of low income householders was below 1 point in both periods, and house affordability of single householders showed a similar level in both periods. which showed over 1 point. Third, financial regulation on housing markets induced th widening of the gap between housing demand and house affordability, and such a trend is much atronger in the future(potential) gap of demand and affordability. More specifically, the strengthen financial regulation leaded to the widening of the gap in all types of households, a relative young, low income, and single households. Research implications or Originality - The effect of financial regulation is necessary to consider under the features of each households.

• 한국주거학회논문집
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• 제10권3호
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• pp.221-229
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• 1999

The purpose of this study is to investigate the housing affordability of multi-family dwelling in Seoul and to systemize the housing expenditure patterns and housing affordability according to household and housing characteristics. Housing expenditures are basically composed of the payments of four major items. including utilities. home alteration and interior furnishing. home mortgage debt. and monthly rent. Housing affordability index as operationally defined in this study is Housing Expenditure-to-Income Ratio (HEIR). The ratios were computed for each of the four housing expenditure items. Data for 465 multi-family dwellers were gathered from the structured questionnaire. The results showed the differences between household and housing characteristics on housing expenditure levels and HEIR. In addition. this differences had influence on future housing choice behavior. The analysis on the variables of housing choice behavior showed the result that user cost considering capital gains were less important. comparing those of early 1990's.

• 경영과정보연구
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• 제35권3호
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• pp.131-153
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• 2016

본 연구는 베트남 소비자의 그린구매행동에 관한 구조적 모형과 구매능력이 가지는 조절효과를 중점적으로 살펴본 연구이다. 베트남의 중산층 인구는 2012년 12백만 명에서 2020년에는 33백만 명으로 증가할 것으로 예상되고 이에 따른 소비패턴 변화가 예상되고 있으며, 최근 산업화와 내구재 소비증가로 인해 환경문제에 대한 관심이 증가하고 있다(Koning et al., 2016). 이에 따라 그린 제품구매 관련 문헌고찰을 통해 베트남 소비자들의 그린 구매행동 관련 가설 및 모형을 제시하고 실증 자료를 통해 가설을 검증하였다. 연구모형을 검증하기 전에 측정문항의 신뢰성과 타당성분석을 실시하였으며 연구변수간 선 후행 관계검증을 위해 구조방정식 모형분석을 실시하였고 구매능력의 조절효과검증은 개별모수 차이검증을 통해 실시되었다. 실증분석결과는 다음과 같다. 먼저 생태적 관심과 집단주의는 그린구매행동에 관한 태도에 긍정적인 영향을 미치는 것으로 나타났으나 생태적 지식은 유의한 영향을 미치지 않았다. 둘째, 그린구매행동에 대한 태도는 그린구매행동의도에, 그린구매행동의도는 그린구매행동에 유의한 영향을 미치는 것으로 나타나 계층적 효과모형과 일관된 결과를 보여주었다. 셋째, 구매능력은 구매의도와 실제 구매행동 간의 관계를 조절하는 것으로 나타났다. 이러한 연구결과에 기반하여 이론적, 실무적 시사점을 제시하였다.

• 한국주거학회논문집
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• 제22권4호
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• pp.23-32
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• 2011

The change in the Japanese rental housing policy since the 1990s appeared as a reduction in the role of central government, an expansion in the local government's discretion, and an increase in the dependence on the housing market. As a result, the supply of new public rental housing decreased drastically and the rent regulation was eased. This study is designed to evaluate the validity of the policy change through an analysis of the change in housing affordability of tenants during the period of 1983~2008. The analysis showed that the housing affordability and the accessibility to the housing market by tenants had been improved, confirming that if the public rental housing stock was properly used, the housing needs of the low-income tenants would be met without new supply. Therefore, it appeared that the change in the Japanese rental housing policy may have a certain amount of validity. However, the study pointed out that the validity of the policy change must be limited as the future risk factors such as the possibility of residualisation of public rental housing and the increase of poor households according to job insecurity were not well considered. Accordingly, in conclusion this study suggests that new policy instruments should be developed at central government-level, such as offering incentives for local governments and establishing a housing allowance etc.

• 문화기술의 융합
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• 제9권2호
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• pp.113-118
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• 2023

본 연구는 주택구입능력을 포함한 거시경제변수와 은행 대출 관련 변수들이 주택가격 변동에 미치는 영향을 다중회귀모형을 이용하여 분석하였다. 분석 결과, 소비자물가 상승률, 총통화 증가율 및 주택구입부담지수 증가율은 전국 주택가격의 변동에 유의한 양의 영향을 미치는 것으로 나타났다. 주택가격의 상승기와 하락기로 구분하여 분석한 결과, 주택가격 상승 기간 동안 소비자물가상승률과 총통화 증가율은 전국, 서울 및 경기의 주택가격에 유의하게 양의 영향을 미치는 것으로 나타난 반면에, 주택가격 하락 기간 동안 GDP 성장률은 주택가격 상승기와는 달리 주택가격에 유의하게 음의 영향을 미친 것으로 나타났다. 가계대출증가율도 주택가격 상승기와는 달리 주택가격에 유의한 양의 영향을 미치는 것으로 나타나났다. 반면에 주택담보대출증가율은 주택가격 상승기와는 달리 전국, 서울 및 경기의 주택가격에 유의한 음의 영향을 미치는 것으로 나타났다. 주택구입부담지수 증가율은 주택가격 상승기에는 주택가격에 대해 유의하게 양의 영향을 미치지 않으나, 주택가격 하락기에는 유의한 양의 영향을 보이는 것으로 나타났다. 주택가격결정 변수들은 주택가격 상승기와 주택가격 하락기에 서로 다른 양상을 보이는 것으로 나타났다.

• 대한토목학회논문집
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• 제35권4호
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• pp.977-986
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• 2015

본 연구는 가구구성 및 주택점유형태에 따른 노인가구의 주거비 부담능력을 살펴보고자 하였다. 이를 위해서 국토해양부에서 실시한 2010년도 주거실태조사의 자료를 바탕으로 총 6,780개의 노인가구를 대상으로 분석하였다. 분석결과를 요약하면 모든 노인가구들은 소득이 낮을수록, 거주기간이 짧을수록, 서울지역에 거주할수록, 주거사용면적이 넓을수록 주거비 부담이 높은 범위에 속할 확률이 높아졌는데 거주지역 변수의 영향이 가장 큰 것으로 나타났다. 독거노인가구의 경우 자가독거노인가구는 여성가구주일수록, 임차독거노인가구는 남성가구주일수록 주거비 부담이 높은 범위에 속할 가능성이 높아졌다. 그리고 모든 유형의 임차노인가구는 재정부담이 커질수록 주거비 부담이 높은 범위에 속할 확률이 높아지는 것으로 나타났다. 노인가구의 일반적인 특성 뿐 아니라 실질적인 경제상황 등을 고려하여 고령사회로 진입하는 단계에 있는 노인가구의 주거안정을 도모할 수 있도록 해야 할 것이다.

• 한국주거학회논문집
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• 제23권5호
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• pp.31-39
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• 2012

This study has analyzed the effect of the housing affordability improvement of the residents in the metropolitan areas, applying Transit Supportive Home Loan (TSHL) which extends the loan amount according to the transportation cost saving based on Location Efficiency Mortgage (LEM) System in the USA. The previous studies focused on introducing LEM system to Korea, whereas this study has analyzed TSHL effect for the first time, taking into account the situation in Korea. For analysis, The Transportation Savings (TS) is calculated and Housing Affordability Index (HAI) is drawn by applying increased TS and DTI (Debt to Income), so the improvements of housing purchasing ability is examined by HAI's improvement. As a result, transit commute 1 (having own car) and transit commute 2 (without having own cars) respectively produce the TS of monthly average 36 thousand won and 110 thousand won in comparison with car using commute. Each additional loan (TSHL) amounts to 16.57 million won and 54.07 million won. As the distance is farther and the house price cheaper, the improvement of HAI is more outstanding. City hall area showed the highest improvements of HAI by 9.3% (transit commute 1) and 21.9% (transit commute 2) increase, in comparison with car using commute.

• Journal of Multimedia Information System
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• 제7권2호
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• pp.157-164
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• 2020

Considering the frustration affordability level of college entrants and investigating the frustration tolerance of undergraduates in Shenyang City University, this paper provides the basis for the research of improving frustration tolerance of undergraduates through quantitative research results and applies film therapy to the frustration regulation of college students by discussing the role of film therapy in improving frustration affordability ability of college entrants. This paper has concluded that the necessary of improving the frustration tolerance of college students in Northeast China and the feasibility of the film therapy programs on improving the frustration tolerance of college students in Northeast China. Meanwhile, this paper shows that the principle of film selection in film therapy should be based on the requirements of the aesthetics of the film industry in the IT environment. This paper provides a reference for refining the target of film therapy for film therapists to better apply film and television psychotherapy technology, and a basis for the film therapy activity program; Furthermore, it also has a certain reference significance for film and television media workers.

• 한국건축시공학회지
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• 제8권6호
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• pp.65-74
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• 2008

The aim is to get comprehensive view point for the price of apartment. Apartment construction cost is the sun of land cost and building cost. Land price reflects the value of location where building stands. When the gap between price and affordability is narrow enough, effective demand promote apartment construction. The today's trends of rising price, which began in apartment housing, spreads to real estates market and finally overall consumer price. Problem is that price is decided only by supplier's interest. Equilibrium-pricing is common process in housing market. However it is important to review hedonic price and the factor of housing services and focused on the affordability of demanders. AHP analysis was used to study real needs and preference of demanders and dealt with 200 interviewees with brief checklists. We found that social factor is more important than building cost or site development. Especially location of apartment is most important to affect environment quality and accessibility to facilities.

• 한국실내디자인학회:학술대회논문집
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• 한국실내디자인학회 2004년도 추계학술발표대회 논문집
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• pp.76-79
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• 2004

The purpose of this study is to suggest the specific design guidelines for major physical elements like colors, patterns or shapes which can produce the place identity enhancing wayfinding affordability. The research consists with theoretical studies. From the precedent researches, the main design principles enhancing wayfinding affordability were defined and then the list and the nature of the major physical interior elements were drawn, based on them. The result presented that the specific design guidelines as well as design principles could be focused on the categories like generating landmarks, introducing color codes, floor patterns, and wall decorating. And dealing them to promote place identity, were shown as useful in articulating the pathway and indicating spatial orientation. Design guidelines as the result of the research, could be easily and directly applied on the real public spaces as a visual guidance enhancing navigability(the ability to recover position and orientation) to make up the wayfinding weakness.