주택연금(Reverse mortgage)제도에 대한 사용자 만족 결정요인 분석

The core of this study is to find out the most influential factors using the institution, which are the criterion that the potential customers, namely, the old generation, use, when they exploit the reverse mortgage loan which is in the beginning steps. Specifically, to confirm the intention of use and recommendation about accepting the reverse mortgage loan in later year, the degree of convenience, economic feasibility, stability is categorized and analyzed. In the light of Factor Analysis in the result of Empirical Analysis, regarding convenience, the exemption of the property tax, the mitigation of mortgage limitation and discount of early guaranty premium are chosen as variables. Regarding economic feasibility, the life-cost per month, the predicted life-cost of the later year, and the monthly income are culled as variables. Regarding stability, the scale of coverage of the later life and the degree of preparation of the money for later life are identified as variables. The result of the analysis shows that the exemption of the property tax, the mitigation of mortgage limitation and discount of early guaranty premium which are variables of convenience are influential factors, affecting the intention of use. In relation to the intention of recommendation, the exemption of the property tax, the mitigation of mortgage limitation and the discount of early guaranty premium betray statistically significance. The above results revealed that the convenience of enrollment, the monthly income, and the degree of preparation of the money for later life are most important factors in intention of use, and that in the recommendation of introduction the convenience and the predicted life-cost for the later year are the most decisive factors.