@article{ART002727562},
author={Seo, Moon Chan and Yun， Seo Jun},
title={Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -},
journal={Korea Real Estate Review},
issn={2092-5395},
year={2021},
volume={31},
number={2},
pages={7-17},
doi={10.35136/krer.31.2.1}
TY - JOUR
AU - Seo, Moon Chan
AU - Yun， Seo Jun
TI - Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -
JO - Korea Real Estate Review
PY - 2021
VL - 31
IS - 2
PB - korea real estate research institute
SP - 7
EP - 17
SN - 2092-5395
AB - Banking sectors have reduced their participation in real estate provident fund (PF) loans in risk management, and thus, nonbanking financial institutions’ participation in PF loans has increased due to a reflective effect. Consequently, the proportion of profits dependent on PF loans from nonbank financial institutions is increasing. When PF loans are executed, borrowers incur fees and interest expenses in exchange for financing project expenses, whereas financial institutions generate profits in exchange for the risk burden. This study analyzes the impact of financial institutions on profit indicators through PF loans. It uses data of normal business sites newly loaned by nonbank financial institutions considering the recent increase in participation of nonbanking financial institutions in PF loans. Moreover, the business sites that have been executed and operated normally are analyzed. Results reveal the difference in examining the factors that provide profits to financial institutions rather than the risk aspect. Furthermore, this study examines the PF loan cases that affect the profits of nonbank financial institutions that are limited in the diversification of capital power and sales structure. It also examines the effect of accepting appropriate risks on the profit.
KW - real estate PF;non-banking financial;total loan cost;spread
DO - 10.35136/krer.31.2.1
ER -
Seo, Moon Chan and Yun， Seo Jun. (2021). Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -. Korea Real Estate Review, 31(2), 7-17.
Seo, Moon Chan and Yun， Seo Jun. 2021, "Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -", Korea Real Estate Review, vol.31, no.2 pp.7-17. Available from: doi:10.35136/krer.31.2.1
Seo, Moon Chan, Yun， Seo Jun "Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -" Korea Real Estate Review 31.2 pp.7-17 (2021) : 7.
Seo, Moon Chan, Yun， Seo Jun. Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -. 2021; 31(2), 7-17. Available from: doi:10.35136/krer.31.2.1
Seo, Moon Chan and Yun， Seo Jun. "Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -" Korea Real Estate Review 31, no.2 (2021) : 7-17.doi: 10.35136/krer.31.2.1
Seo, Moon Chan; Yun， Seo Jun. Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -. Korea Real Estate Review, 31(2), 7-17. doi: 10.35136/krer.31.2.1
Seo, Moon Chan; Yun， Seo Jun. Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -. Korea Real Estate Review. 2021; 31(2) 7-17. doi: 10.35136/krer.31.2.1
Seo, Moon Chan, Yun， Seo Jun. Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -. 2021; 31(2), 7-17. Available from: doi:10.35136/krer.31.2.1
Seo, Moon Chan and Yun， Seo Jun. "Spread Decision of Total Loan Cost in Real Estate Provident Fund - Focus on Nonbanking PF Loans -" Korea Real Estate Review 31, no.2 (2021) : 7-17.doi: 10.35136/krer.31.2.1
