주택담보대출 보유가구의 특성이 CLTV에 미치는 영향 분석

초록

The purpose of this study is to identify the deterministic factors on high Debt-to-Asset ratio and high Current Loan-to-Value (CLTV) household. Comparing two groups of household; high Debt-to-Asset ratio and high Current Loan to Value (CLTV) ratio, we attempt to measure relative difference on these two groups. As empirical method, we adopt the Ordinary Least Square and the Quantile Regression to detect relative difference caused by central tendency and statistical dispersion in given quantile on the above two groups. The results support that the size of household debt relies on the type of housing, regional factor, income level, the size of total asset hold. Furthermore, we find that the household purchased house as investment purpose are exposed to large amount of debt level compared to other group. The findings indicates that the governmental deregulation on residential financing should be designed to target a selective group according to their underlying purpose of housing loan.

키워드