住宅金融公庫の融資が持家住宅需要に与える効果に関する経済学的分析 : 量と質のトレード・オフをめぐるデータ分析と理論モデル(我が国の内外をめぐる都市問題,総合研究)

概要

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The purpose of this paper is to study the effects of Japanese Subsidized Housing Loans financed by the Japanese Housing Loan Corporation (JHLC) on housing decisions by especially focusing on the tradeoff between quality and quantity. At first, we have shown, based on the data analysis, that the present JHLC financing system brings distortion on housing decisions of house purchasers because it emphasizes the quantity aspects of housing. That is to say, it determines the amount of funds to subsidize based on the offered floor space. Next, we have constructed the theoretical model of the behavior of purchasers by incorporating the above tradeoff. The unique feature of our model is that the unit price of housing depends on the quality. Our analysis shows that though it is preliminary, we should modify the present JHLC financing system by considering quality aspects. The further consideration of this aspect is our future research topic.
日本大学の論文
1988-03-20