주택규모에 따른 차입자 특성분석

다국어 초록 (Multilingual Abstract)

This study examines how borrower’s characteristics influence to choice the size of their housing. We employ the Consumer Relationship Management (CRM) database to analyze it and set the time period in 2007~2008 and 2010~2012. The variables consist of the characteristics of borrowers, loans, and locations. The results show that the bigger houses are more popular for older and higher income consumers in any time periods. However, the credit ratings of borrowers have significantly positive influence on the size of housing during 2010~1012 only. This study also finds that consumers tend to have lower loan-to-value (LTV) ratios in larger houses, but prefer living in smaller houses when they are owner-occupied and use residential mortgage.

참고문헌 (Reference)

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