1. roi0104@ khi.re.kr 02.3215.7638 19 ( : 17 ) LTV, DTI, ( )
LTV, DTI , . LTV, DTI . . , . . 2013 2014 46 42 2. 2007 . LTV, DTI
2014 3/4 , . 2008 3/4 1.6% 3.0% . 32%p . . 60 , . 70% & , 90%
& . , . 10% 20% . , . : 3. 2015. 2. 25 / 4. 1. 1 2. LTV, DTI 2
3. 4 4. 9 5. 14 5. - 1 - 1. , (), . - , - , LTV, DTI - LTV, DTI , -
LTV, DTI , 2013 - , (), , , , - , , , / . 2002 6. - 2 - 2. LTV, DTI
LTV, DTI 2000 2002 9 LTV, 2006 3 DTI - 2000 . 2003 , , 2005 . , -
2008 , 2011 >= - , - : , vs vs : vs ( 3 10) : 1 vs 1 : vs : 1 vs
2 : 6 vs 6 : 1 vs , : vs , 2 , 3 7. - 3 - 2014 8 LTV DTI 70%, 60% .
- . 2002 9 4 LTV 60% 2002 10 11 LTV 60% 2003 10 29 , LTV 40% 2005 6
30 LTV 60%40%, 70%60% 2006 3 30 6 DTI 40% 2006 11 16 6 DTI 40% 2007
1 11 DTI 2007 2 15 3 6 DTI 40~60% 2008 11 3 3 (3 DTI 40% ) 2009 7 6
LTV 60% 50% 2009 9 4 DTI 60% ( 50%, 40%) 2009 10 8 LTV
(60~70%50~60%), DTI 2010 8 29 3 DTI 2011 3 , 2011 3 22 DTI 2012 5
LTV 50%, DTI 50% 2014 7 24 , LTV 70%, DTI 60% < 1> ? <
1> 8. - 4 - - VS - , . - (2013) , , , , ex) 2008 : 2000 , , , ,
2000 : / , , < 2> 3. 2010 , , . , , 9. - 5 - - , , , . - , ,
1) : onnara.go.kr : . 2014.12. , < 2> 2013 . 2006~2014 89.8,
41.9 2014 100.5, 46.2 2014 18.0% 27.3% 10. - 6 - 2006 1,082,453
697,676 2007 867,933 -19.8% 482,533 -30.8% 2008 893,790 3.0%
449,867 -6.8% 2009 870,353 -2.6% 395,278 -12.1% 2010 799,864 -8.1%
282,503 -28.5% 2011 981,238 22.7% 372,814 32.0% 2012 735,414 -25.1%
271,955 -27.1% 2013 851,850 15.8% 363,093 33.5% 2014 1,005,173
18.0% 462,111 27.3% 898,674 419,759 : < 3> 2008 9 2014 4/4
0.3% -0.2% 2013 1/4 0.2% . 2014 3/4~4/4 0.3~0.5%, 1.4% . , :
(2012.11=100) < 3> 11. - 7 - . , 2014 3/4 . 2008 3/4 1.4%,
2.4% 2014 3/4 3.5%, 1.3% - , : < 4> , ? 2014 8~10 - / 1 -
(++) 2013 9~14 7 98.9 2014 8~10 125.5 - 93.4 104.6 12. - 8 - 100.7
109.8 , - - DTI 13. - 9 - 1) : onnara.go.kr : : : : . 2014.12. ,
< 5> 4. - 14. - 10 - - , 2002 , , , , , , - = , , / - , -
(3~20). - & . - 2002~2007, 2008~2010 2008 2002 LTV 74.5% DTI
30.6% - , LTV 2007 82.2% 2008 61.5%, DTI 26.8% 25.5% . LTV DTI - ,
LTV () DTI () LTV DTI / (A) (B) /(A/B) N /(C) (D) N /(C/D)
2002~2007 40.1 50.0 82.2 26.8 96.4 29.3 2008 39.8 72.6 61.5 25.5
90.7 32.8 40.0 58.4 74.5 26.3 94.3 30.6 < 4> 15. - 11 - 2008
, , & , , & - , , & , , , - . , 2002~2007 2008 gap /
82.22 3,092 61.52 1,839 -20.70 84.50 344.00 59.88 203.00 -24.63 ()
81.55 2,565.00 61.80 1,302.00 -19.75 87.29 183.00 61.45 334.00
-25.84 _ & & 75.64 179.00 63.66 110.00 -11.98 & 81.76
2,521.00 60.87 1,489.00 -20.89 & 95.95 19.00 56.77 4.00 -39.19
87.76 373.00 64.74 236.00 -23.02 81.44 2,091 61.81 1,244 -19.63
83.85 1,001 60.93 595 -22.92 79.36 1,562 52.79 1,097 -26.57 85.13
1,530 74.44 742 -10.70 75.67 876 64.82 345 -10.86 84.80 2,216 60.76
1,494 -24.04 < 5> , , DTI, , , 2008 , , - , , DTI , , . - ,
&, 2008 , 16. - 12 - - , 62 , - , . , . - N DTI 90% - 90% 60 -
3~4%p - - 10% - 10% 30% 8~16%p - 70% 90% - 2008 90% 17. - 13 - -
& 10% . 90% - 90% . 10% 30% 50% 70% 90% () 56.134 23.850 42.713
39.208 51.883 64.900 N DTI 0.336 0.229 0.356 0.540 0.692 0.888
1.541 0.874 1.194 2.028 2.212 3.130 ^2 -0.025 -0.015 -0.021 -0.032
-0.035 -0.047 =1 -3.201 -3.910 -3.193 -3.769 -3.825 -3.801 =1
-0.952 0.557 -1.308 -0.310 -1.342 0.905 =1 0.373 1.679 1.236 0.736
0.493 -1.546 =1 12.367 1.732 8.073 11.583 13.002 16.357 _1 3.040
1.272 2.088 3.346 3.263 -1.638 2008=1 -21.613 -13.194 -17.326
-21.393 -26.827 -32.291 _=1 -1.407 3.600 -1.679 -2.436 -1.519
-2.711 (100) 0.138 0.062 0.117 0.225 0.345 0.460 (100) -0.061
-0.038 -0.052 -0.081 -0.097 -0.117 < 6> 18. - 14 - 5. . 2000
, 2008 , , - LTV, DTI . , LTV, DTI , . 10% . 60 & 70% & ,
90% & , - , , 19. - 15 - gap 2008=1 10.898 - =1 4.774 + 1.101 +
=1 0.810 + =1 0.595 - N DTI 0.348 + _=1 0.275 - (100) 0.235 + (100)
0.036 - =1 0.032 - ^2 0.015 - _1 -1.708 + < 7> , , , , - - ,
. . 10% 20%
