통근비용절감을 통한 서울근교도시 거주자의 주택구입능력 개선효과

서지정보

ㆍ발행기관 : 한국주거학회 ㆍ수록지정보 : 한국주거학회논문집 / 23권 / 5호
ㆍ저자명 : 최정우, 백성준, 이종훈

목차

I. 서 론
II. 이론적 배경
III. 분석의 틀
IV. 분석의 결과
V. 결 론

영어 초록

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 costsaving based on Location Efficiency Mortgage (LEM) System in the USA. The previous studies focused on introducingLEM system to Korea, whereas this study has analyzed TSHL effect for the first time, taking into account the situationin Korea. For analysis, The Transportation Savings (TS) is calculated and Housing Affordability Index (HAI) is drawnby applying increased TS and DTI (Debt to Income), so the improvements of housing purchasing ability is examined byHAI’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 usingcommute. Each additional loan (TSHL) amounts to 16.57 million won and 54.07 million won. As the distance is fartherand the house price cheaper, the improvement of HAI is more outstanding. City hall area showed the highestimprovements of HAI by 9.3% (transit commute 1) and 21.9% (transit commute 2) increase, in comparison with carusing commute.

참고 자료

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