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ISSN : 1225-6706

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논문 투고

Vol.24 No.2

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한국의 자가 소유 부문의 미래 자가 소유의 성장 가능성과 발전 방향

Prospect for the Homeownership Sector in South Korea Future Growth Potential of Homeownership and Policy Directions

공간과 사회 / Space and Environment, (P)1225-6706; (E)2733-4295
2014, v.24 no.2, pp.38-82
진미윤 (한국토지주택공사)
진미윤. (2014). 한국의 자가 소유 부문의 미래 자가 소유의 성장 가능성과 발전 방향. 공간과 사회, 24(2), 38-82.

초록

본 연구의 목적은 1970년대 이후 한국의 자가 소유 지원 정책의 성격과 특징, 성과와 한계를 규명하고 향후 이 부문의 성장 가능성을 진단해보는 것이다. 그동안 자가 소유 지원은 주로 신규 주택공급에 의존했는데, 1990～2010년간 신규 주택공급의 34.8%, 2005～2010년간은 신규 주택공급의 47.0%가 자가 부문 성장에 기여했다고 볼 수 있다. 향후에는 신규 공급과 더불어 2014년 확대 도입되는 디딤돌 대출과 공유형 모기지 제도 등 주택금융 지원이 자가 소유 부문의 성장을 견인하게 될 것이다. 그러나 저성장, 주택가격 불확실성, 단독 가구 증가, 자가 보유 의식 감소, 고령 빈곤화 등은 미래 자가 소유 부문을 위협하는 요인들이다. 따라서 지속가능한 자가 소유 부문의 성장을 위해서는 부담능력의 제고, 자가 상실 예방 정책, 기존 주택재고 중심의 거래 정책 강화, 독신 가구 및 젊은 계층을 위한 저렴한 분양주택 혹은 계단식의 자가 마련 제도 등이 좀 더 전향적으로 확대 및 새로 도입할 필요가 있다.

keywords
자가 점유, 자가 보유율, 주택정책, 주거복지, 무주택 가구, 부담 가능한 주거, owner-occupied housing, homeownership rate, housing policy, housing welfare, non-homeowner, housing provision, affordable housing

Abstract

The purpose of this study is to identify the natures and characteristics of homeownership policies in South Korea, their outcomes and limitations, and the growth potential of the homeownership sector. Homeownership policies in South Korea are characterized by new housing unit supply-oriented developmental growth model. And homeownership has been contributing in filling the gap of fragile public welfare and creating individual assets. Homeownership policies mainly depend on the supply of new housing units. 34.8% of new housing units were supplied between 1990 and 2005 and 47.0% between 2005 and 2010, contributing to the growth of homeownership in South Korea. Not only new housing supply ‘Steppingstone Housing Loan’ to be applied more widely in 2014 and ‘Share Equity’ will lead the growth of homeownership in the future. There are, however, factors that threatens the homeownership sector, such as low growth, uncertainty of housing market, increase in single households, declining demand for homeownership, growing number of aged poor, etc. In conclusion, the sustainable growth of the homeownership sector requires improved housing affordability, prevention against the loss of homeownership, focusing on the transactions of existing housing units rather than those of new housing units, provision of low-cost or affordable housing units for single and younger households, introduction of phased homeownership policies and more forward-looking supportive system.

keywords
자가 점유, 자가 보유율, 주택정책, 주거복지, 무주택 가구, 부담 가능한 주거, owner-occupied housing, homeownership rate, housing policy, housing welfare, non-homeowner, housing provision, affordable housing

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