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ÁÖÅÿ¬±ÝÀÇ ¼Òµæ´ëüÀ²¿¡ °üÇÑ ¿¬±¸

A Study on Replacement Rates of Reverse Mortgage Loan

 

¿©À±°æ ÀÌÈ­¿©ÀÚ´ëÇб³ °æ¿µÇаú ±³¼ö, °³ÀÎÀ繫ÇÐ ¹Ú»ç, yuhyk@ewha.ac.kr

 

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ABSTRACT

1. CONTENTS

(1) RESEARCH OBJECTIVES

This study estimated reverse mortgage(JTYK) replacement rates of retired 

households and analyzed major determinants of the rates. Results of this study provide 

useful implications for future reverse mortgage system and public/private pension 

policy in Korea.

(2) RESEARCH METHOD

For the purpose of this study, empirical replacement rates model based on life cycle 

hypothesis were used. Using 2015 survey on demand of reverse mortgage loan(JTYK) 

by Korea Housing Finance Corporation, classified reverse mortgage replacement rates 

by specific retired households groups were forecasted. To investigate major factors 

affecting the replacement rates, ANOVA, regression analysis, and simulation were 

utilized. 

 

°ÔÁ¦Áö : ºÎµ¿»êÇк¸ Á¦72Áý pp. 74-86

Ãâó : http://www.reacademy.org Çѱ¹ºÎµ¿»êÇÐȸ

 

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