주택연금 이용자의 노후소득수준에 따른 노후생활충분정도에 관한 연구

A Study on the Degree of Sufficiency for Old-age Living according to the Level of Old-age Income of Housing Pension Users

This study provided policy implications by analyzing the effect of the income level of old-age people with reverse mortgages on enough level of living cost for old age. The analysis methods were cluster analysis, analysis of variance, binary logistic analysis, and multiple regression analysis. As a result of the analysis, compared to the reference group A (a group that has consistently well prepared for old age), group B (a group that has not consistently well prepared for old age) was insufficient in both expenditures (family support, cultural life travel expense) and income (national pension, personal and retirement pension, real estate rental income, savings/financial income). Second, group C (a group that was insufficient in the past, but is currently prepared for old age) did not lack in expenditure, but the income was insufficient in national pension, personal/retirement pension, and real estate rental income. Group D (A group that complied with in the past, but is not currently prepared for old age) was insufficient in both expenditure (family support, cultural life travel expense) and income (national pension, personal and retirement pension, real estate rental income). Implications are: First, job expansion for elderly households and minimum livelihood security policies are necessary. Second, it is urgent to receive a pension rather than a lump sum. Third, activation policies of local autonomy for elderly households outside the metropolitan area are required. Fourth, service improvement and tax benefits are required to expand the numbers of participants for reverse mortgages.