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류기윤(Ryou, Ki Yun),이재송(Lee, Jae Song),최열(Choi, Yeol) 대한국토·도시계획학회 2020 國土計劃 Vol.55 No.4
The purpose of this study is to analyze the factors affecting termination of reverse mortgages (RMs). Subscribers’ information was extracted from July 2007 to June 2016 from DB of the Korea Housing Finance Corporation, and an empirical analysis was carried out using the binary logit model. The results of the empirical analysis found that first, among the individual characteristics, gender, age, cohabitation family, and subscription period were statistically significant. Among these variables, except for cohabitation family, the other variables were estimated to increase the probability of RMs termination. Second, among the housing characteristics, region and housing price were statistically significant. Of these, housing price was estimated to increase the probability of RMs’ termination. Third, payment method, payment type, debit balance, amount of monthly payment, and withdrawal of priority variables that make up the contract characteristics were all statistically significant. Moreover, if there was a withdrawal of priority, it was estimated to increase the probability of the RM being terminated. Based on the results of the empirical analysis, it is felt that methods such as system improvement and active marketing are needed to prevent the termination of RMs and to induce continuous subscription.