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A Real Estate Policy and Financial Countermeasure Analysis -Based on DTI Regulation-

  • Korea Real Estate Review
  • 2011, 21(2), pp.147-166
  • Publisher : korea real estate research institute
  • Research Area : Social Science > Law > Law of Special Parts > Law of Real Estate

yim yoon-soo 1

1서일대학

Accredited

ABSTRACT

This study considered how to influence and whether to uphold DTI deregulation has been discussed since August 29, 2010. So, the proportion of DTI deregulation is compared to foreign countries’ one and the effects of DTI deregulation is studied. And also, the negative effect of DTI deregulation is analyzed and the direction of DTI deregulation is proposed. As the results, current DTI deregulation is not a strict law and DTI deregulation is not made politically exploited related to 2012 general election because it has a strong influence on real estate market. And the emergence of House poor suffered a heavy loss by downturn in house price, household debt quickly increased by mortgage loan, aggravation of soundness of financial agencies loan business are sensitive to DTI deregulation. Therefore, the relaxation of DTI cannot be the countermeasure to solve this depression of real estate market and here the countermeasure is. Firstly, home mortgages are changed to long-term amortization of the principal and interest fundamentally following to DTI. Secondly, financial companies are allowed to manage regional DTI deregulation and it is applied to evaluate asset quality with BIS ratio. Thirdly, abolition or deregulation of the heavy tax on multiple homeowner and deregulation of restitution of development gain from Urban Regeneration Project can revitalize market and resolve lease crisis. On the other hand, DTI deregulation should be maintained.

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