청년 1인 가구의 주거선택 특성에 관한 연구

Abstract

This study analyzes the effect of variables such as social, economic, and regional characteristics on the types of housing occupancy, focusing onthe single-person households of young people. The results of the empirical analysis are as follows: In terms of tapys of housing occupancy, the proportion of 30s who living in a rented house is decreasing. In the perspective of gender, young adult males show a higher purchase rate of their own house than that of young adult females. In terms of educational background, college graduates show the highest rate of their own house purchase. In terms of work types, white color workers show the highest rate of their own house purchase. The policy implications of this study are as follows: First, in order to increase the purchase efficiency of youth’s own house, it is necessary to loosen the LTV regulations of young households who hold sufficient repayment ability with long-term fature income or to partially ease them for young households, maintaining the regulations on debt service ratio(DSR) Second, the real estate market deregulation is required to achieve the Yun administration’s pledge of the supply of 2.5 million housing, considering the real estate market triggered by the shortage of housing supplyy. Sufficient housing supply should be made through both the support of housing expenses for the residents in natural greens and the develoment of the areas, the utilization of state-owned lands and abandoned private lands, the utilization of the existing houses in station areas, and the housing projects for the young, etc. The limitation of this study is to target at only young households based on the Framework Act on Youth, not to encompass the households characteristics of middle-aged and elderly class placed in the dead zone of welfare.