Household Types Research Articles

Reducing e-waste in Europe: Examining the impact of environmental and financial literacy on the premature replacement of appliances across owner-occupier and rental residential properties using the EVIDENT serious game

AimAs premature replacement of residential appliances drives rising e-waste levels in Europe, analysis of the factors impacting consumer decision-making when faced with opportunities to extend (repair) or reduce appliance lifespans (premature replacement) is needed. This manuscript seeks to explore the impact of environmental and financial literacy on consumer willingness to seek repair of home appliances (over replacement) across owner-occupier and rental properties. The impact of financial salience within the informational frames of these decisions is also explored. MethodAn online discrete choice experiment was conducted using the EVIDENT serious game, a life-simulation game in which players manage a virtual home and face energy decisions. Participants (n = 1056) completed a series of 3 choice experiments exploring repair/replace decision-making and willingness to pay for repair. Prior to the game, measures of environmental literacy, financial literacy, household type, and sociodemographic factors were obtained using a pre-game survey. For rental properties, a further stated preference experiment was conducted to determine the impact of financial incentives on willingness to invest in more efficient appliances for both landlords and tenants. ResultsWhile an overall willingness to seek repair for broken home appliances was found, most participants selected to prematurely replace their broken appliance with a more efficient alternative. Participants aged over 51 were significantly less likely to choose a repair (p < .001), while those in non-full-time employment more likely to select a repair (p < .001). Limited impact of environmental and financial literacy on repair/replace decision-making was found, though financial knowledge, environmental knowledge, and environmental skills were associated with willingness to pay for repair. Willingness towards repair in rental properties (landlords and tenants) was found with tenants willing to pay 34–71.3 % more than homeowners for repair and landlords willing to pay 93.3–108.8 % more depending on the appliance. Mixed impacts of financial incentives in rental properties to surmount impacts of split incentives were found. While 86.6 % of landlords were willing to accept a small fee from tenants towards a more efficient appliances, 65.2 % of tenants were unwilling to pay such a fee. ConclusionResults cast light on the specific impacts of individual financial and environmental literacy, demographic factors, and residence type on early replacement decisions, providing valuable direction for future policy actions.

Healthcare preferences of chronic disease patients under China's hierarchical medical system: an empirical study of Tianjin's reform practice

To alleviate the contradiction in healthcare resources, the Chinese government formally established the framework of a hierarchical medical system in 2015, which contains the following brief generalities: " separate treatment of emergencies and slows, first-contact care at the primary, two-way referral, and upper and lower linkage, ". This study systematically summarizes and models the connotations of China's hierarchical medical system and a sample of 11,200 chronic disease patients in Tianjin, the largest port city in northern China, was selected for the empirical study to investigate the relationship between chronic disease patients' policy perceptions of the hierarchical medical system and their preference for healthcare. We found that under the strategy of separate treatment, improving the healthcare accessibility, drug supply, and lowering the cost of medical care would have a positive impact on increasing the preference of patients with chronic diseases to go to the primary hospitals. Under the two-way triage strategy, improving the level of physician services, referral convenience and treatment Standards have a positive impact on chronic disease patients' preference for primary care; The impact of the hierarchical medical system on the preference for healthcare differed between groups, focusing on differences in health literacy level, age and household type; The role of " upper and lower linkage " is crucial in the hierarchical medical system and it plays a part in mediating the influence of the " separate treatment of emergencies and slows" design and the "two-way referral " order on the treatment preferences of chronic disease patients. The results of the study provide a reference for the further development of a scientific and rational hierarchical medical system in the future.

Measuring heterogeneous preferences for the preservation of prime farmland with and without agrivoltaics

This study addresses a gap in cultural ecosystem service (CES) assessment of prime farmland located in peri-urban areas by presenting results from a choice experiment recently conducted in Utah’s Wasatch Front region. The choice experiment was designed to account for heterogeneous effects associated with a wide array of socio-demographic and attitudinal characteristics on household preferences for farmland preservation, including farmland used for the joint production of solar power and agricultural products. We apply a mixed-logit model to our data that controls for preference heterogeneity among Wasatch Front households along two dimensions – at the individual household level and according to different household types. We find that the typical household is willing to pay a non-trivial annual fee to preserve the region’s existing peri-urban farmland, and to a lesser extent is willing to pay for agrivoltaics on that land. We also find some evidence of preference heterogeneity among different types of households for farmland preservation and agrivoltaics; heterogeneity based upon traditional socio-demographic characteristics such as household income and location, as well as unique attitudinal differences related to how households view themselves in relation to agriculture, farmland preservation, and the extent to which taxation is an appropriate mechanism to fund local public goods. These findings can serve as crucial components of broader land-use studies designed to account for the full range of agri-environmental ecosystem services.

Efficient IoT-Assisted Waste Collection for Urban Smart Cities.

Waste management is one of the many major challenges faced by all urban cities around the world. With the increase in population, the current mechanisms for waste collection and disposal are under strain. The waste management problem is a global challenge that requires a collaborative effort from different stakeholders. Moreover, there is a need to develop technology-based solutions besides engaging the communities and establishing novel policies. While there are several challenges in waste management, the collection of waste using the current infrastructure is among the top challenges. Waste management suffers from issues such as a limited number of collection trucks, different types of household and industrial waste, and a low number of dumping points. The focus of this paper is on utilizing the available waste collection transportation capacity to efficiently dispose of the waste in a time-efficient manner while maximizing toxic waste disposal. A novel knapsack-based technique is proposed that fills the collection trucks with waste bins from different geographic locations by taking into account the amount of waste and toxicity in the bins using IoT sensors. Using the Knapsack technique, the collection trucks are loaded with waste bins up to their carrying capacity while maximizing their toxicity. The proposed model was implemented in MATLAB, and detailed simulation results show that the proposed technique outperforms other waste collection approaches. In particular, the amount of high-priority toxic waste collection was improved up to 47% using the proposed technique. Furthermore, the number of waste collection visits is reduced in the proposed scheme as compared to the conventional method, resulting in the recovery of the equipment cost in less than a year.

Addressing Barriers to Timely Orthopaedic Follow-up for Foot and Ankle Fractures After Emergency Department Visits.

Foot and ankle fractures present common challenges in emergency departments, warranting careful follow-up protocols for optimal patient outcomes. This study investigates the predictors of orthopaedic follow-up for these injuries after an emergency department (ED) visit. A retrospective observational study of 1450 patients seen in the ED with foot or ankle fractures from July 2015 to February 2023 was conducted. All included patients were discharged with instructions to follow-up with an orthopaedic provider. Demographic data, fracture details, and follow-up patterns were extracted from medical records. Social vulnerability was assessed using the Centers for Disease Control (CDC) Social Vulnerability Index. Univariate and multivariate analyses were performed to identify predictors of follow-up. A subgroup analysis comparing patients who followed up >7 days from ED presentation (ie, delayed follow-up) to those who followed up within 7 days of presentation was then performed. Statistical significance was assessed at P < .05. Overall, 974/1450 (67.2%) patients followed up with orthopaedics at an average time of 4.16 days. After risk adjustment, Medicaid coverage (odds ratio [OR] = 0.56, P = .018), increased overall social vulnerability (OR = 0.83, P = .032), and increased vulnerability across the dimensions of socioeconomic status (P = .002), household characteristics (P = .034), racial and ethnic minority status (P = .007), and household type and transportation (P = .032) were all associated with lower odds of follow-up. Phalangeal fractures were also associated with decreased odds of follow-up (OR = 0.039, P < .001), whereas ankle fractures were more likely to follow-up (OR = 1.52, P = .002). In the subgroup analysis, patients of older age (P = .008), non-white race (P = .024), motor vehicle accident (MVA) (P = .027) or non-private insurance (P = .027), those experiencing phalangeal fractures (P = .015), and those seen by an orthopaedic provider in the ED (P = .006) were more likely to present with delayed follow-up. Patients with increased social vulnerability and Medicaid insurance are less likely to seek follow-up care after presentation to the ED with foot and ankle fractures.

Socioeconomic and geographic inequalities in antenatal and postnatal care components in India, 2016–2021

Despite the well-known importance of high-quality care before and after delivery, not every mother and newborn in India receive appropriate antenatal and postnatal care (ANC/PNC). Using India’s National Family Health Surveys (2015–2016 and 2019–2021), we quantified the socioeconomic and geographic inequalities in the utilization of ANC/PNC among women aged 15–49 years and their newborns (N = 161,225 in 2016; N = 150,611 in 2021). For each of the eighteen ANC/PNC components, we assessed absolute and relative inequalities by household wealth (poorest vs. richest), maternal education (no education vs. higher than secondary), and type of place of residence (rural vs. urban) and evaluated state-level heterogeneity. In 2021, the national prevalence of ANC/PNC components ranged from 19.8% for 8 + ANC visits to 91.6% for maternal weight measurement. Absolute inequalities were greatest for ultrasound test (33.3%-points by wealth, 30.3%-points by education) and 8 + ANC visits (13.2%-points by residence). Relative inequalities were greatest for 8 + ANC visits (1.8 ~ 4.4 times). All inequalities declined over time. State-specific estimates were overall consistent with national results. Socioeconomic and geographic inequalities in ANC/PNC varied significantly across components and by states. To optimize maternal and newborn health in India, future interventions should aim to achieve universal coverage of all ANC/PNC components.

Tribal Casinos and Identifying Who Moves to Opportunity

In this analysis, we examine what types of households migrate to American Indian reservation lands after the start of casino operations using longitudinal household data for 1989-2017. We find heterogeneous effects on migration by households of different types. American Indians who are single parents are significantly more likely to move to reservation lands after gaming operations commence. No significant changes in mobility were found among married households with children. These results suggest that pull factors may also affect how households decide to relocate when there are changes to economic opportunities and other community or social amenities.

자원의 부족이 한부모 여성의 유병 출근(프리젠티즘)에 미치는 영향에 관한 연구

The purpose of this study is to explore the factors pertinent to presenteeism, which has long-term effects on the quality of life of single- parent women and their children. Single-parent women are the most time-pressed and resource-poor group, as they are the sole breadwinners and caregivers in their households. This study analyzed data from the 6th Working Environment Survey conducted by the Korea Occupational Safety and Health Administration, and included 280 single-parent women and a total of 3,260 female workers living with children under the age of 18. The results are summarized as follows 1) Presenteeism among single-parent women living with children under 18 is higher than in other types of households; 2) Presenteeism among single-parent women is influenced by time pressures at work; 3) Adult family members living with single-parent women tend to lower presenteeism of single-parent women; and 4) Payment for time and effort at work is significantly associated with lower presenteeism of single-parent women. However, the problem of single-parent women's presenteeism cannot be solved at the individual level, such as formation of extended families, but requires institutional and policy alternatives to ensure that the right to care and the right to work are recognized as civil rights, while also addressing discriminatory and hierarchical labor market structures.

골다공증 진단 여성노인의 삶의 질 영향요인

The purpose of this study was to investigate osteoporosis prevalence and factors influencing quality of life (HRQoL) among older Korean women with osteoporosis. The study design was a retrospective study using secondary data analysis. Data for 1,679 women aged 65 and older from the Korea National Health and Nutrition Examination Survey (KNHANES) 2016 to 2020 were included. Linear regression analysis was conducted for influential factors on HRQoL, measured by the Euro Quality of Life-5D (EQ-5D). The prevalence of osteoporosis among older women was found to be 39.6%. Significant variations in quality of life were observed across demographic factors such as age, residence, marital status, household type, household income, education level, and economic activity. Similarly, health-related characteristics including depression, subjective health status, comorbidity, activity limitation, stress perception, alcohol consumption, body mass index, exercise, and aerobic activity showed statistically significant differences in the quality of life. Participants had an average quality of life score of 0.84 ± 0.005. Factors influencing quality of life included household type, household income, subjective health status, depression, activity limitation, stress levels, age, and body mass index. Quality of life was higher among those living alone, with higher household income, better subjective health status, lower levels of depression and activity restriction, reduced stress levels, younger age, and lower body mass index. The model's explanatory power was 34.1%. These findings underscore the necessity for comprehensive and individualized nursing intervention programs.

Do low-income households walk and cycle to reduce their transport costs? Insights from the 2017 U.S. National Household Travel Survey

Low-income populations are disadvantaged in a car-dependent society despite car ownership and could be using walking and cycling to reduce their travel costs. This study explores how low-income households with and without cars living in various geographies disproportionately use walking and cycling to save money in comparison to higher-income households. Data from the 2017 National Household Travel Survey is used to investigate the variation in walking and cycling behavior among three groups of households: (1) carless low-income households, (2) low-income households with cars, and (3) higher-income households. Generalized ordered logistic regression models are estimated to examine how the probability of using active travel to save money varies by household type, location (urban, suburban, rural) and other socioeconomic attributes. We find that low-income households are more likely to walk or cycle to save money on transportation compared to higher-income households. Carless low-income households present a higher probability to use active travel to decrease travel costs in comparison to car-owning low-income households. Our results also indicate that on average, urban residents are more likely to travel actively to reduce expenses compared to suburban and rural residents. The lowest spatial variation is found for carless low-income households, demonstrating their higher disadvantage compared to those with cars. Low-income people of color are more likely to use active travel to save money while being a female, older, or having children are attributes associated with a lower probability to use active travel to reduce travel expenses in low-income households.

Housing Vulnerability Reconsidered: Applications and Implications for Housing Research, Policy and Practice

ABSTRACT Social housing policies in neoliberal contexts have become residualized. The notions of housing vulnerability and vulnerable populations emerged as a new organizing principle for the housing policy agenda and interventions in many countries. However, there is no cohesive and shared understanding of the characteristics and types of vulnerable households and housing situations, nor the drivers and consequences of different forms of vulnerability. This leads to questions about how to apply the concept to address people’s right to housing. This special issue presents research into what housing vulnerability means in different world regions, what structures and systems may be driving it, and the variety of experiences of housing vulnerability. These studies use different theoretical frameworks, methodologies, and empirical contexts to examine factors and initiatives that drive or counter housing vulnerability, fostering a dialogue towards critical housing research and policy agendas that meet our expectations of housing as a human right.

Gender differences in old-age poverty in 14 EU countries: exploring the role of household structure

The risk of poverty among older people varies widely across countries and between men and women. This is usually explained by reference to institutional differences in pension systems or differences in employment histories. However, many other factors also come into play. In this paper we argue that, to avoid biased conclusions, it is necessary to take into account the role of household structure. This study of 14 European Union (EU) countries investigates the impact of household structure on gender differences in old-age poverty risk. The empirical examination is based on European Union Statistics on Income and Living Conditions (EU-SILC). The findings show that older women’s high poverty risk is strongly related to the financial vulnerability of single-person households and the higher prevalence of female than male single-person households. In addition, gender differences in poverty risk can be attributed to gender differences in household structure. It matters whether the older person lives with another older person or an employed/unemployed person and whether there are minor children in the household. Country differences in the gender poverty gap are linked to country differences in the household age structure and the poverty risks of different types of households.

Genetic variations in CYP2A6, CYP2E1, GSTM1, GSTT1 genes and the risk of Nasopharyngeal carcinoma in North African population.

Nasopharyngeal carcinoma (NPC) is a multifactorial malignancy associated with both genetic and environmental factors. Polymorphic deletions of the phase I and phase II genes involved in the detoxification of potential carcinogens may be a risk factor for nasopharyngeal carcinoma. In this study, we investigated the relationship between CYP2E1 (rs3813867), CYP2A6, GSTM1(rs1183423000) and GSTT1(rs1601993659) gene variations and NPC risk in North African countries with the highest incidence of NPC (Morocco, Algeria and Tunisia). and the evaluation of the potential use of these variants as potential biomarkers for NPC management. A total of 600 NPC cases and 545 controls frequency-matched on ethnicity, sex, age and childhood household type, were recruited from three North African countries (Morocco, Algeria and Tunisia) and analysed. Genotyping of CYP2A6 and CYP2E1(rs3813867) was performed by polymerase chain reaction restriction (PCR)-fragment length polymorphism (RFLP) analysis and the GSTM1 (rs1183423000) and GSTT1(rs1601993659) genetic variations were evaluated using the PCR technique. The genotype distributions of CYP2E1(rs3813867), CYP2A6, GSTM1(rs1183423000) and GSTT1(rs1601993659) genotypes did not differ significantly among NPC cases and controls (p>0.05). Furthermore, our data did not reveal any association with smoking and the studied variants, even when the samples were stratified by the duration period of smoking. In this large studied North African population, our findings suggest that the functional CYP2E1, CYP2A6, GSTM1 and GSTT1 variations did not influence NPC susceptibility.

THE INTERSECTION OF MODERNITY AND RESIDENTIAL SPACE

The social and economic landscape of the globe has changed dramatically and daily life is still evolving quickly. People are in a better place than they have ever been and in the next 25 years the standard of living is predicted to quadruple. Apart from the economic shifts, there have also been a number of social shifts, including the rise in nuclear families, the DINC (double income, no children) phenomenon, and single parent households. A new urban atmosphere has been established by the altered social attitudes and rituals of urban living. Thus, the function of modern residential architecture is undergoing a similar transition, moving from one of only providing shelter to one of creating "Life Style-oriented Environments." Thus, in order to improve liveability and happiness at home the focus is now on "How the space is programmed with features." Changes in Employment trends with innovations in technology and communications have made the central workplace less necessary and a portion of home becoming an extension of the workplace. Also, modifications in the makeup of households, such as married people without children, single parents, and single individuals. Another reason is a shift in values where leisure and cultural pursuits are given greater weight and a willingness to spend more time in the safety and comfort of a well-designed home are prioritized. The way that modern residential architecture is planned, created and sold is being redefined by all of these developments. Therefore, choosing to buy a new house is mostly determined by lifestyle factors with purchasers seeking for specialized items with floor plans that suit and represent their unique lives. With a focus on lifestyle-oriented design, residences are arranged as a collection of component sections, with each component area planned differently for a variety of household types. The goal of this paper is to go into depth of various component areas, their space needs and their interactions with one another for various lifestyle-oriented houses in today's society.

An online survey on public awareness of drug clinical trials in inland cities of northern China.

The aims of this survey were to investigate the public awareness of drug clinical trials (DCTs) and willingness to participate the DCTs, and provide references for propaganda and science popularization of DCTs. A self-designed questionnaire named "an online survey questionnaire on public awareness of DCTs" was used to conduct an online survey from January to March 2022. The demographic characteristics and the response of participants to the awareness and willingness to participate the DCTs were collected. The factors affecting the public awareness of DCTs were analyzed by single factor and binary logistic regression analysis. One thousand three hundred eighty valid questionnaires were collected, and the respondents' awareness rate of DCTs was 61.1%. Thirteen demographic characteristics including age, gender, education, occupation, work fields, household type, marital status, city type, income, medical insurance, medical expenditure, pressure to seek medical care, financial pressure, both significantly affected the qualified rate of participants' awareness of DCTs (p < 0.001) by single factor analysis. Binary logistic regression analysis indicated that education level, work fields, city type, medical insurance, and medical expenditure affected independently the participants' awareness rate of DCTs (p < 0.001). 52.9% of the participants were willing to take part in DCTs. "to promote medical progress" (54.4%) or "believe doctors" (31.1%) were the most frequent reasons for subjects participating in DCTs. The public awareness rate of DCTs and the willingness to participate in drug clinical were significantly affected by the demographic characteristics of subjects. Thus, targeting the needs of the public, propaganda, and science popularization of DCTs should be carried out and served public health.

The influence of gender specific decisions on household technology choice within the farming households in central Uganda

How households make decisions, who influences decision making and how members bargain over resources and opportunities greatly affects the livelihood and wellbeing of members within a given household. This study sought to understand gender specific decisions and their influence on household technology choice, packaging and adoption of agricultural technologies. Growing Bananas with Trees and Livestock (GBTL) technology system was implemented by National Agricultural Research Organisation and Bioversity International in three districts of Central Uganda: Kiboga, Nakaseke and Ssembabule. Using Principal Component Analysis (PCA) and Cluster Analysis (CA), typologies were created in which two distinct clusters of farming households were revealed. Using a bargaining model of technology adoption, three types of households were identified; male and female only, female only and male only headed households. For technology uptake, either a single component, two components or all components of a technology was adopted. Results indicated that Household size, age, land owned, labour and gender composition of the household positively influenced the adoption of the technology. Farm households were able to take up and adopt components of the technology that were equivalent to the available household resources. Technology choice and adoption was influenced by available land, labor and household objectives (food, income and nutrition security). Households' ability to avert the loss of production and/or assets was very varied and depended on household size. For non-business home expenses, decisions followed a gendered perspective where households with both male and female, had more participants involved in household decision making, households make decision jointly when it comes to purchases and sales. Banana plantations establishment and management was for the spouse. Livestock production was initiated and managed by the household heads. Individual decisions were influenced by age of the household head, livestock owner. Joint household’s decision making was significant on purchases, sales of inputs and outputs, land ownership, and were influenced by household size and farm size. This study brings out important policy implications that in order to ensure widespread adoption of improved technologies, there should be equitable access to complementary inputs, especially land and labour for females. And technology packaging should take into consideration the gender specific decisions for sustainable agricultural development. Key words: Decision making, Technology choice, adoption, Coffee banana farming system, Gender

Comparing Nutritional Status of Children in Nuclear and Joint Families: A Cross-Sectional Study in Karachi, Pakistan

Background: Child stunting and underweight are worldwide issues that may be connected to family structure. This research examined family type (nuclear vs. joint), women's empowerment, and child nutrition in Karachi, Pakistan.&#x0D; Methods: A cross-sectional research included 450 under-5s and their moms from healthcare settings. Child nutrition and mother empowerment were examined using standardized instruments. Nutritional outcomes, empowerment, and child stunting/underweight were examined across household types.&#x0D; Results: Compared to children from nuclear families (stunting: 32.9%, 95% CI: 27.0-39.3; underweight: 15.6%, 95% CI: 10.9-21.4), children from joint families showed substantially reduced rates of underweight (32.9%, 95% CI: 27.0-39.3) and stunting (22.7%, 95% CI: 17.8-28.3) (p = 0.02 for both). In comparison to nuclear families (12.9%, 95% CI: 8.9-17.7), the slightly higher overweight prevalence in joint families (14.7%, 95% CI: 10.3-19.8) was not statistically significant (p = 0.51). Remarkably, greater maternal empowerment ratings were substantially linked to a decreased risk of stunting (OR = 0.92, 95% CI: 0.87-0.98, p = 0.01) and underweight (OR = 0.92, 95% CI: 0.87-0.98, p = 0.01) in children, independent of the type of household.&#x0D; Conclusion: This research demonstrates that combined family structure may minimize stunting and underweight. Women's empowerment also improved child nutrition in both families. Further study is required to understand these results' mechanisms and long-term effects.&#x0D; Keywords: Child malnutrition, Family structure, Women's empowerment, Nutritional status, Karachi, Pakistan

Surprise by Anticipated Inflation

This paper proposes a theoretical model with two types of households to explore the distributional effects of inflation, assess the non-neutrality of money; and in return, to provide a guideline for policymakers in setting inflation rate. An impatient borrower who faces a borrowing constraint holds a positive amount of debt in equilibrium while a patient lender engages in consumption smoothing. Hence, inflation affects net worth of borrowers via nominal debt by redistributing resources away from lender, rendering welfare gains for the borrower and losses for the lender; and the structure of borrowing constraint gives rise to non-neutrality of anticipated inflation. The utilitarian welfare gain from generating inflation in a cashless economy is amplified when heterogeneous productivity levels are assumed. Yet, incorporating money demand in the form of money-in-utility model suggests that an inflation tax as an additional distortion reverses the overall positive effect of generating inflation in the cashless economy. JEL Classifications: E31, E37, E41, E52, D63.

Does Women’s Empowerment Matter for Household Food Security? Evidence From Northern Ghana

The study seeks to analyze the effect of women’s empowerment on household food security in northern Ghana. Employing Random Effect and Generalized Estimating Equations on the two rounds of Feed the Future dataset, 2012 and 2015, the study measured women empowerment as the comparative years of schooling and decision making by women. Multivariate Decomposition was used to explain whether variations in food insecurity between gendered household types are due to differences in explained and/or unexplained variations. The study showed significant differences in food insecurity levels between male and female headed households. The finding revealed that improving women decision making at the household level will reduce food insecurity by 45%. The study therefore recommends that Ministry of Gender, Children and Social protection should educate male partners on the need for women’s decision making and also ensure the establishment of social groups for women.

주택수요와 주택구매력 차이의 결정요인에 대한 연구

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.