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Estimating the Determinants of Loan Amount of Housing Mortgage : A Panel Data Model Approach

  • Journal of The Korea Society of Computer and Information
  • Abbr : JKSCI
  • 2011, 16(7), pp.183-190
  • Publisher : The Korean Society Of Computer And Information
  • Research Area : Engineering > Computer Science

Kim Hee Chul 1,  Shin Hyun Cheul 2

1남서울대학교
2백석문화대학교

Accredited

ABSTRACT

Loan amount of housing mortgage is composed of various factors. This study paper studies focuses on estimating the determinants of a loan amount of housing mortgage. The region for analysis consist of seven groups, that is, metropolitan city (such as Busan, Daegu, Incheon, Gwangiu, Daejeon, Ulsan.) and Seoul. Analyzing period be formed over a 45 time points(2007. 01.~ 2010. 09). In this paper the dependent variable setting up loan amount of housing mortgage, explanatory(independent) variables are composed of the consumer price index, unemployment rate, average monthly household income per household, expenditure rate of health care, composite stock price index and overdue rate of household loans for commercial bank. In looking at the factors which determine loan amount of housing mortgage, evidence was produced supporting the hypothesis that there is a significant positive relationship between the consumer price index and unemployment rate. The study also produced evidence supporting the view that there is a significant negative relationship between expenditure rate of health care. The study found that average monthly household income per household, expenditure, composite stock price index and overdue rate of household loans for commercial bank were not significant variables. The implications of these findings are discussed for further research.

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