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자료유형
학술저널
저자정보
김대진 (서울대학교) 최막중 (서울대학교)
저널정보
대한국토·도시계획학회 국토계획 國土計劃 第49卷 第5號
발행연도
2014.8
수록면
123 - 136 (14page)
DOI
10.17208/jkpa.2014.08.49.5.123

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Population is rapidly aging with extended life expectancy in Korea but, due to underdeveloped social security system, the majority of retiree including the baby boomer are forced to liquidate their housing asset for old-age income security. This study compares conditions of selecting four different options for housing equity liquidation: downsizing through disposal of a portion of housing equity (partial disposal), tenure conversion into Chonsei (up-front lump-sum deposit) lease, reverse mortgage, lease of a portion of housing equity for rental income (partial rental). Based on the mathematical model which guarantees the same amount of income among four options, simulation is carried out with different rates of housing price appreciation relative to interest rate as well as different life expectancy. The simulation results shows that partial disposal is a favorable option if housing price is expected to increase in the future, which Chonsei lease is more acceptable when housing price is no expected to increase and the utility associated with housing size is important. Reverse mortgage is favored in financial terms with high rate of housing price appreciation, but may also be acceptable even with low appreciation rate if stable income over longer lifetime period is more important criterion along with the housing size utility. Partial rental is feasible only in the case of rapid housing price increase. Given that Korea faces lower expectation on housing price increase and longer life expectancy, Chonsei lease as well as reverse mortgage could be viable options for housing liquidation to secure income after retirement.

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Abstract
Ⅰ. 서론
Ⅱ. 선행연구 고찰
Ⅲ. 수리모형
Ⅳ. 모의실험
Ⅴ. 결론
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