주거실태조사 결과를 통해 살펴본 전세 세입자의 자금조달 추이

Abstract

Loans for Jeonse deposit provided to Jeonse tenants were only KRW 10 trillion in 2008, but exceeded KRW 200 trillion in 2021. Accordingly, this study analyses the trend of Jeonse deposit financing for rental tenants using the results of the Housing Survey from 2016 to 2020. The results of the analysis are as follows. First, from 2016 to 2020, the proportion of self-funding among tenants' Jeonse deposit financing has steadily decreased, while the proportion of loans from financial institutions has steadily increased. This is consistent with the increase in Jeonse loans. Second, the decrease in equity-funding and increase in loan funding is a common phenomenon not only among tenants without their own homes but also among those who own homes. The fact that Jeonse loans, which were previously only available to non-owners, have been increasingly available to homeowners since 2013, and that this supply has been growing in size in recent years, adds to this concern. Third, the increase in the share of loans to private renters is not isolated to any one region, but is present in most areas of the country. Finally, the increase in loan funding first appeared in households with high income and shifted to middle-income households, becoming a common phenomenon among all income groups by 2020.