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Working Paper

Housing Finance Behavior of Korean Urban Households

페이스북
커버이미지
  • 저자 김중수(金仲秀)
  • 발행일 1985/06/01
  • 시리즈 번호 8503
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요약 This paper examines how Korean households mobilize funds
to purchase houses. Recently, policies to restructure financial
markets, particularly those for establishing long term housing
financial markets have attracted great public attention. In order
to shed light on the behavioral patterns of households regarding
savings and fund mobilization under the environments of
less-developed financial system, we first analyze some important
issues in the Korean housing market and then assess the role of
financial institutions in supplying long-term financing. We also
attempt to draw policy implications from our empirical results
for future financial liberalization movements. Special focus will
be put on the role of the housing financing mechanism in
restoring an equilibrium in the housing market.

This paper unfolds as follow. In Section Ⅰ, current housing
policies are briefly reviewed. In addition, some important issues
are explored, and data used for the analysis are also described.
In Section Ⅱ, the household attributes of those who borrowed
from the Korea Housing Bank(KHB) for home purchase are
analyzed. Section Ⅲ attempts to characterize new entrants to the
housing market and compare them with those who do not
demand upgraded housing services. The housing finance patterns
of households are discussed in Section Ⅳ. Here, the sources of
housing finance are categorically examined and a multivariate
analysis is performed to investigate the relationships between
sources of housing finance and household characteristics. The
next section deals with savings behavior and the affordability of
additional financing by making a regression analysis to identify
important factors that determine the amount of additional
financing. Finally, a summary of findings and policy
recommendations are contained in Section Ⅵ.

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