P R E F A C E
100% .
. , ,
. .
, , , ,
.
, ,
.
. ,
.
(social safety net) .
.
ii
.
.
,
.
.
, .
2009 12
F O R E W O R D
2000
, ,
. 2003
, .
.
.
, ,
. .
, .
,
iv
(social safety net)
(housing safety net) .
(housing safety net)
.
(housing safety net)
, (housing safety net) , ,
,
. ,
.
2009 12
C O N T E N T S
연구배경과 목적
□
100% 2002
, ,
, ,
,
, (social safety net)
(housing safety net)
(social safety net) (housing
safety net) ,
(housing safety net) , ,
vi
,
(housing safety net)
주택정책 목표와 주택건설 계획
□
- ,
,
150 500 (2009 2018)
- 10 50 500 ,
10 (2008 2018) 150 ( 15 ) ,
50%
- ( )
100 50
-
15% (Affordable Housing)
- ,
, , “ ” ,
,
viii
- 70 (47%), 10
80 (53%) , ( ) 10
- ( 200 ) 150
50
저소득층의 개념
□
-
,
- ,
, ,
- ( , , )
-
-
-
-
- 120%
( 20 30%
)
- 200 20
220
- 35 40 (
, ) 20
저소득층의 주거문제와 당면 과제
□
(PIR: Price to Income Ratio, 2008)
x
- 2008 6.4 , 4.3 ,
4.2 . 2006
- (6 ) PIR 18.6 , 12.9
( 5.7 , 4.6 )
(RIR: Rent to Income Ratio, 2008)
- ( , RIR: Rent to Income Ratio) 2008
17.5%, 23.5%, 19.9%
- 2008 31.4%, 21.6%,
21.3%
- 2000 3.4 2005 3.6 0.2 ,
0.9 0.8
- 2000 63.1 2005 66.0 , 1
20.2 22.9
-
2000 334 2005 206 ,
: 9.7%(2007 )
- 10 3.3%(46 )
- 5 398
106 292
2000 16 ( 10 )
- ( , 20%)
- 60 2001 41.7%, 2009 19.0%
- 200 (410 )
20 220
2005 215 , 209
- 12.3%
-
, , 4 5,237 , 10 9
- 2007 2012 5,173
-
가구 특성
□
2.9
xii
- 1~2 1.7 7~10 3.6
. 1~2
65.7 7~10
46.4 20
- 48.5 , 49.1 53.4
.
1~2
52.7 , 7~10 410.9 8
- 1~2 87.1%
7~10 54.3%
- 1~2
22.3% 7~10 6.8%
1 4410 1~2
2.4
- 7~10 3 1~2 3.9
-
63.6%
- 47.3%
주거특성
□
1~2 (66.6%)
(4.9%), (1.7%)
- 4 (62.2%), (25.9%)
4 10.6
. 1~2 12.4
- 4 7.6 ,
8.0 , 12.1
4 46.1%,
22.7%
-
69.3 67.5
,
-
4 59.6
4
4.2%, 1.4%, 1.5%, 3.6%
- 89.3%
주거지표
□
-
2000 1990
-
4 1990
xiv
34.0%, 1980 22.9%
1 27.8
- 1~2 , 3~4 1 5~6
7~10 1
4
-
, , , , ,
- 4
4 -
- 4 7~10
, , , /
PIR(Price to Income Ratio)
- PIR 4
23.3 , 15.0 , 5.2
, RIR(Rent to Income
Ratio) 17.5% 1~2
40.0% 30%
- 4 34.8%,
31.4%, 21.9%
175.8 (2008 )
- 72.6%
- 4 71.2%
- 4
(24.1%), (22.3%), (21.8%)
주거안전망의 개념과 필요성
□
(housing safety net)
- ,
,
-
-
xvi
, -
,
-
, ,
- ,
주거안전망 구축을 통한 주거안정 전략
□
( 5%), ( ),
,
.
,
HWP(Housing Welfare Projects)
- HWP
, , , HWP
, HWP
- HWP (
), ,
xviii
HWC(Housing Welfare Credit)
- , , ,
HWC
- credit ,
,
- HWC Microcredit
,
결론 및 정책 건의
□
- - -
-
,
- ( )
- ,
-
- ,
,
HWP(Housing Welfare Projects)
- HWP
, , , HWP
, HWP
향후 추진과제
□
, 1
, ,
, 2
,
C O N T E N T S
T A B L E C O N T E N T S
F I G U R E C O N T E N T S
C H A P T E R 1
100% 2002
2003 ,
,
,
, ,
, ,
,
, (social safety net)
(housing safety net)
(social safety net) (housing
safety net) ,
(housing safety net) , ,
,
(housing safety net)
2008
(housing safety net) ,
(housing safety net) ,
(housing safety net)
, (housing safety net)
(social safety net) , (housing safety net)
, ,
, ,
2008 ,
,
6
(
, , )
,
, ,
, ,
, , 1
2 ,
(2008), (2007), (2004)
, ,
(2004)
(2008)
, (2004)
(2008)
(2)
,
, , ,
,
C H A P T E R 2
,
,
, ,
“
(affordable housing), (decent housing)
”
(housing affordabiliy) ,
,
, , ,
( )
< 2-1>
( , ),
, 5 /50 , (30 ), / /
, , ,
, , (2010 ),
( ‘ ’
)
,
-
, , ,
- 2005 2006 11
- ,
,
- ,
,
- ,
, ,
-
-
, ,
- ,
< 2-2>
- 2007 398 4 13 14
- 6000 7000
- 2002
,
( )
-
2003 1 8,579
- 2005 8 31
- 50%
- 1987
- 1/10 , 2/10~ 4/10
( , ) ,
(3/10~5/10)
- ,
,
- 2003 4
- , (5 , 10 , 50 ),
, , ,
,
- , ,
- ,
- 2007 10
(< 2-2> )
- 20% , ,
- 2007 1,335 (13,793
) 9.7%, 50
461 3.3%
- ‘ ’
- 5 ,
20 100 1)
5
- 5 ‘ ’, ‘ ’, ‘ ’,
1) . 2008. 100
‘ ’, ‘ ’
- , ,
,
- (Action Plan)
- ,
,
150 500 (2009 2018)
선진 일류국가
(국가비전)
창조적 실용주의
(행 동규범)
국정지표
섬기는 정부
성숙한 세계국가 인제대국
능동적 복지 활기찬 시장경제
10 (2008 2018) 150 ( 15 )
, 50%
- ( )
100 50
-
15% (Affordable Housing)
- ,
, , “ ” ,
,
- 70 (47%), 10
80 (53%) , ( ) 10
- ( 200 ) 150
50
-
( ) 30 40%
- (7 8 )
( 5.2%)
- 75 85 ,
60 75
- (30 ) 30
(5 25 )
- ,
( )
- ,
15% ,
- , , (
) -
50 ( 40%)
- , ,
2018
- 2009 99.3% 2018 107%
- 60% 65%
- 2009 7.8% 12%
- (< 2-5> )
-
,
C H A P T E R 3
-
-
,
- ,
, ,
-
- ’63
-
80%
- , ,
, 50% ,
50 80%
-
- -
-
-
( )
- ,
, , , ,
- ,
4 , , , (Homeless)
- , ,
,
-
- 2007 85 2 , 155
- 2003 138 , 177
, 86 401 8.4%
, 34%
-
-
2000
- 1995 445 , 2000 334 , 2005 206
- 10 ,
,
- ,
-
-
-
(2009.3.12)
- ( , , )
-
-
-
-
- 120%
( 20 30%
)
- 200 20
220
- 35 40 (
, ) 20
- 18.8% ( 55.6%)
- 42.4%( 18.6%)
,
- (RIR) 44.2% 18.7%
,
- ,
,
-
(PIR: Price to Income Ratio, 2008)
- (PIR) 2008 2) 4.3 ,
6.9 , 9.7
- 2006 PIR
, (3~4 )
- 2008 6.4 , 4.3 ,
4.2 , 2006
- (6 ) PIR 18.6 , 12.9
( . 5.7 , 4.6 )
2) (National Association of Realtors : NAR)
(Housing Affordability Index : HAI)
(RIR: Rent to Income Ratio, 2008)
- ( , RIR: Rent to Income Ratio) 2008
17.5%, 23.5%, 19.9%
- 2008 31.4%, 21.6%,
21.3%
- (LTV : Loan To Value ratio) 2003
2007 2006
- LTV 2003 32.4% 2006 38.5% 6.1%P 2007
35.8% 2.6%P
- 2000 3.4 2005 3.6 0.2 ,
0.9 0.8
- 2000 63.1 2005 66.0 , 1
20.2 22.9
-
2000 334 2005 206 ,
: 9.7%(2007 )
- 10 3.3% (46 )
- 5 398
106 292
2000 16 ( 10 )
- ( , 20%)
- 60 2001 41.7%, 2009 19.0%
주택건설 인허가실적
- 20 40 60 80 100
2001 2005 2009
60㎡이하 60-85㎡이하 85㎡초과
-
292 ( 18.3%)
- 5 398 ,
106 292
100
- 2000 16
, ( 10 )
- · ,
- 1985 63 53.4% 2005 39.8%
,
- ,
- 200 (410 )
20 220
2005 215 , 209
- 12.3%
-
, , 4 5,237 , 10 9
- 2007 2012 5,173
-
- ,
,
· -
,
-
( ,
, 3 )
-
- ,
-
,
.
,
- , , ,
. ,
C H A P T E R 4
, ‘2008
’ 2008
10
- 1~2 93 , 3~4
93 179 , 5~6 179
250 , 7~10 250
- 1~2 52.7 , 3~4
129.5 , 5~6 216.0 ,
2.9
- 1~2 1.7 7~10 3.6
3.0, 3.1 2.8
-
1~2 (1.7 ),
7~10 (3.7 )
- 4 ,
. 1~2
65.7 7~10
46.4 20
- 48.5 , 49.1 53.4
,
- 7~10 45.9
1~2 66.6 20.7
- 4
-
4 40
, 70
- 4 40 14.1% , 7.4%
40
- 4 70 38.8% , 36.9%
70
- 7~10 70 3%
1~2
52.7 , 7~10 410.9 8
- 1~2 87.1%
7~10 54.3%
- 1~2
22.3% 7~10 6.8%
. 292.3 ,
276.7 , 207.3
-
56.9%, 56.9%, 62.4%
- 25.5 19.3 6.2
1~2 93.6%
- 24.2%
1~2 24.8%
-
1 4410 1~2 2.4
- 7~10 3 1~2 3.9
- 1~2 77.7% 7~10 83.4%
4 1 4 , 1 2
1 5 .
- 4 1 1 ,
1 728 1 1918
- 4 5434
. 5618
-
63.6%
- 47.3%
8.2%, 6.7%
(
)
35.2% 23.7% 11.5p%
- 1~2
26.6% 1~2
- 4
36.8%, 33.8%, 31.3%
1~2 (66.6%)
(4.9%), (1.7%)
- 4 (62.2%), (25.9%)
(45.1%)
- 49.3%
-
12.4%, 4.2% 2.9%
4 51.9%
, 16.8% , 20.5% ,
3.8%, 2.7%
- 1~2 , . 3~4 1~2
61.4%
44.9% . 33.5%
- , ,
20%
4 10.6
. 1~2 12.4
- 4 7.6 ,
8.0 , 12.1
4 46.1%, 22.7%
-
60%
- 23.0%
11%, 16.3%
69.3 67.5
,
- 4
59.6
- 1~2 46.7
82.0%
- 14.3%
10.6%, 5.6%
4
4.2%, 1.4%, 1.5%, 3.6%
- 89.3%
4 4
- 4 89.3% 4
83.9%, 4 81.6%
- 1~2 97.7%
90.1%, 90.2%
- 2000 1990
-
4 1990
34.0%, 1980 22.9%
1~2
- 1~2 1970
13.2%, 1960 7.6%, 1959
17.4%
1 27.8
- 1~2 , 3~4 1 5~6
7~10 1
-
,
. 1
- 4 1 5~6
4
-
, , , , ,
- , , ,
4
-
.
7~10 4
4 -
- 4 7~10
, , , /
PIR(Price to Income Ratio)
- 4.3 9.7 , 6.9
, 3.3
- PIR 4
23.3 , 15.0 , 5.2
- 4 23
, RIR(Rent to Income
Ratio) 17.5% 1~2
40.0% 30%
- 4 34.8%,
31.4%, 21.9%
175.8 (2008 )
- 72.6%
- 4 71.2%
, , 4
87.4% , 16.2%
- 4
61.6%, 51.5%
- 62.5% ,
92.7%
4
- 4 80.4% 4 45.5%, 4
46.7%
- 4
92.7% 10.0% . 4
-
-
- 4 68.8%
52.0%, 54.4%
4
(24.1%), (22.3%), (21.8%)
- 4
(26.9%), (20.4%), (19.1%)
- (21.3%), (20.7%),
(18.8%) -
C H A P T E R 5
(housing safety net)
- ,
,
, ,
-
(housing safety net)
-
1 -
-
,
-
,
-
,
-
, ,
, , ,
- + ‘ ’ ,
,
( , ,
)
- , ,
-
- - -
, ,
- 4 5
- , ,
,
(housing safety net)
- (social safety net) ((housing safety net)
- ,
,
- , ,
- , ,
- ,
(housing safety net)
- , ,
- ,
- ( , , , ,
)
- ((housing safety net) ,
,
(housing safety net) - ((housing safety net)
- ,
- ( , , , )
- (
, )
- ,
- , 5
- , ,
-
- ( )
- ,
, ( , ,
, , , (skyfarm) )
- ,
- ,
- ,
- ( , , ,
, , , , ,
),
- , ,
-
- 2018 , ,
, ,
- 1 , , ,
- (3 5
)
- (2008 ) 60.9%, 54.5%
- - -
-
- 20-30%
- ,
- , ,
-
-
-
-
-
( )
‘ ’ ( )
- : , , ,
( , , )
( )
(affordability)
( 5%), ( ),
,
,
-
,
-
· , (
, , )
-
,
- ,
- ·
-
-
-
, .
-
-
- -
.
-
-
-
- ·
- ‘
’ ‘ ’
-
HWP(Housing Welfare Projects) -
- ,
- ,
,
, , , HWP
, HWP
- HWP
- HWP (
), ,
HWC(Housing Welfare Credit)
- , , ,
HWC
- credit ,
,
- HWC Microcredit
,
C H A P T E R 6
기본 방향 설정
□
-
- ,
- (housing safety net)
,
- (housing safety net)
- ,
,
- ( : 3
),
- ( 1 2 ),
( 3 4 ),
( 5 6 ), (
7 10 ) 4 3
-
-
-
-
정책수단 개선 및 발굴
□
-
,
- ,
- , ,
, -
,
- ,
- ,
-
- ,
,
- ,
,
HWP(Housing Welfare Projects)
- HWP
, , , HWP
, HWP
HWC(Housing Welfare Credit)
- , , ,
HWC
- credit ,
,
- HWC Microcredit
,
단계 주거안전망 구축사업 추진 1
□
-
-
- 1 2 1
, , ,
- ,
,
- , ,
· ,
-
- ,
- ,
- ( , , ,
)
단계 주거안전망 구축사업 추진 2
□
- 2 ,
-
( )
,
- 2
-
R E F E R E N C E
2002. :
. .
. 2003. . .
2001. .
2004. .
. 2007. 2006 .
. 2001. . .
2007. :
110% , . .
2008. . .
2007. 10. . .
2008. . .
. 2009. - -.
. .
. 2008.
. 2008, 2009.
. 2009.
. 2008. 100 http://www.newplus.go.kr
S U M M A R Y
A P P E N D I X
-
(Target)
- (
) ,
,
,
1~2 20
-
,
· ,
- ,
1
- 1 , 1
. 1
,
,
-
,
- · ·
- 10
- ‘ ’
17~20% ,
( , )
- (Input) , (Output)
. (Input)
(Output)
- ,
(Output) (Input)
- 150 7
-
, .
-
‘ ’
- NGO
- -
,
-
· · ,
-
.
-
, ,
- 1~2 ( )
- ·
,
( )
- 9.19 1~2
,
- ,
- NGO
- ,
- ,
.
- -
( )
,
-
-
,
( )
-
-
(User cost)
- (User cost)
,
- (User cost)
- (User cost)
· .
.
-
- ,
·
- LTV
, LTV
- .
- ,
-
.
- ,
, ( ) .
-
- ,
-
- ,
LTV
- LTV (Capital gain)
· , -
-
85
( · )
- .
-
- ,
-
-
. ,
· ,
-
.
- ,
CPF -
2 -
- ,
,
- ,
- .
-
. ·
.
. .
- ,
- . ,
- ,
.
- , .
10 15%
,
,
-
- ,
- -
- .
-
,
-
- . ,
, -
IDA(Individual Development Account)
- IDA
-
- 5 ,
- ,
- ,
.
-
- 60
-
-
- ,
-
,
- 50
, .
- . (macro)
. , 93.6% ,
100%
- . ,
. 80% .
-
-
- (micro)
- (privitization)
40%
, -
,
-
- , -
. 2~3
- . 2007
3.35%
- .
10 , 20 .
- ?
,
.
september
- “remember september” . 9.11
, 'september'
- S-social, E-economic, P-political, T-technical, E-environmental,
M-methodological, B-budget, E-energy, R-recycle, review. september
- Social: .
. . 150
, 100 ,
.
- Economic: PIR
- Political: .
, .
.
- Technical: ,
.
6 . .
. .
- Environmental:
, .
. ,
- Budget: . budget, energy, recycle: ,
, . b.e.r.
.
- ,
-
(social mix), (age mix)
-
- ,
.
- , .
,
- .
.
. ,
- ,
,
- ,
. .
- .
-
- , 1~2
. (affordable housing)
- (affordable housing) , (low
cost housing) -
.
