住宅事情と公的住宅金融の現状(産業構造の変化と政府の役割-社会基盤(住宅など)の整備をめぐって-,共同研究)

概要

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This paper overviews and analyzes the present housing conditions and housing finance systems in Japan and presents some empirical evidence on the household behavior of choosing between public and private housing loans based on household level data from 1985 to 1990. In the Japanese housing finance system, public sector lending, especially the government-run Japan Housing Loan Corporation (JHLC)plays an important role. The empirical results show the JHLC should provide subsidized loans on a limited basis to designated priority groups such as low income families and disabled people. In order to maximize the benefits of those loans, current criteria should be substantially modified. New guidelines should aim at disbursing loans more equitably, specifically including those who do not already own land.
日本大学の論文
1994-03-31