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주택자금 대출규제가 주택구입능력에 미치는 영향: 서울시 아파트를 중심으로

Author

신상영, 이성원

Journal Title

국토연구

Publication Year

2007

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Summary

This study analyzes the effect of housing loan regulations (DTI, LTV) and interest rate increases on home-ownership affordability in the Seoul apartment market. The analysis reveals that DTI can discourage excessive borrowing but does not significantly hinder home-ownership if households borrow within their disposable income, while interest rate increases negatively impact affordability.

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