자녀세대의 주택연금제도에 대한 이용만족도 결정 요인 분석

Determinants for Children Generation Satisfaction of Reverse Mortgage for the Real Estate Market

주택연금제도에 대한 자녀세대들의 제도에 대한 의식과 필요성 등에 대한 분석을 위해서 가장 중요하게 생각하는 주택연금선택에 영향을 주는 구성요소를 확인하였다. 연구의 가장 중요한 핵심은 제도도입 초기에 있는 주택연금을 활성화하기 위하여 제도를 이용하고자 하는 고령의 부모님 세대를 두고 있는 그들의 자식세대를 중심으로 은퇴 후 경제생활의 지원을 위한 주택연금제도의 이용에 있어서 선택기준 즉, 제도이용에 가장 큰 영향을 주는 요인을 확인하고자 하였다. 회귀분석(Regression)에서는 이용계획과 추천계획에 통계적으로 유의한 영향을 주는 변수를 찾고자 하였다. 분석결과 이용계획은 제도적 편리성에서 세금혜택, 각종제한, 담보조건, 개인적 준비정도에서는 경제적 준비, 지인과의 비교 변수, 그리고 제도이용계획에서는 주택연금필요성, 주택연금 만족성 변수가 채택되었다. 또한 추천의도에서는 제도적 편리성은 초기보증료, 세금혜택, 담보조건 그리고 평생거주확신, 개인적 준비정도와 제도이용계획에서는 이용계획과 동일하게 경제적 준비, 지인과의 비교, 주택연금필요성, 주택연금 만족성 변수가 채택되었다.

1. CONTENTS (1) RESEARCH OBJECTIVES Recent precedent studies on housing pension(reverse mortgage) were mostly those which confirm decisive factors exercising the most significant effects in relation to aged population’s understanding and utilization of pension system and national researches and studies of elderly life’s economic stability and national social welfare level. It is asserted that disagreement with children of factor making the use of the system difficult accounts for a substantial part. It is expected that expectation to inherit parents’ currently residing house in a certain point of future disappears due to the use of housing pension system and deprivation of a chance for inheritance serves as a rejection to the use of housing pension system. (2) RESEARCH METHOD The most important key of the study is to confirm selection standards in using the housing pension system for supporting economic life, that is, factors having the greatest effects on using the system, focusing on their children’s generation having aged parents’ generation. (3) RESEARCH FINDINGS As a positive analysis result, in the institutional convenience of the housing pension selected at Factor Analysis, variables of early stage guaranteed fee, tax benefit, all types of restrictions, security conditions, monthly payment and all life residence confirmation were adopted and as private preparatory extent, variables of economic preparation, pension preparation, later life preparation, health condition and comparative parts with acquaintance were adopted and in system use plan part, variables of need of housing pension, satisfaction of housing pension, use plan and recommendation plan were adopted. 2. RESULTS As variables in institutional convenience, economic preparation and comparative variables with acquaintance were adopted as variables in private preparatory extent and need of housing pension and satisfaction with housing pension were adopted as variables in the plan of system use. And in recommendation intention, early stage guaranteed fee, tax benefit, security conditions and confidence for life long resident and private preparatory extent were adopted as variables and economic preparation, comparison with acquaintance and need of housing pension and satisfaction with housing pension were adopted as variables in the same as use plan in the plan of system use.