표 4 중·고소득층 실증분석
| 중·고소득층(1) | 중·고소득층(2) | 중·고소득층(3) | 중·고소득층(4) | 중·고소득층(5) | 중·고소득층(6) | 중·고소득층(7) |
| H_age | 0.155*** | 0.157*** | 0.160*** | 0.162*** | 0.159*** | 0.155*** | 0.158*** |
| (0.0470) | (0.0470) | (0.0471) | (0.0470) | (0.0471) | (0.0470) | (0.0470) |
| H_age2 | –0.00149*** | –0.00151*** | –0.00153*** | –0.00156*** | –0.00155*** | –0.00149*** | –0.00152*** |
| (0.000476) | (0.000476) | (0.000477) | (0.000477) | (0.000478) | (0.000476) | (0.000476) |
| Income | –5.51e-05*** | –5.84e-05*** | –5.77e-05*** | –5.71e-05*** | –5.58e-05*** | –5.45e-05*** | –6.17e-05*** |
| (2.11e-05) | (2.13e-05) | (2.12e-05) | (2.11e-05) | (2.10e-05) | (2.12e-05) | (2.15e-05) |
| Nasset | –1.66e-05*** | –1.60e-05*** | –1.57e-05*** | –1.59e-05*** | –1.61e-05*** | –1.71e-05*** | –1.55e-05*** |
| (2.84e-06) | (2.82e-06) | (2.83e-06) | (2.77e-06) | (2.75e-06) | (2.88e-06) | (2.80e-06) |
| Fdebt | 1.64e-05*** | 1.80e-05*** | 1.78e-05*** | 1.69e-05*** | 1.73e-05*** | 1.60e-05*** | 1.74e-05*** |
| (3.68e-06) | (3.73e-06) | (3.73e-06) | (3.64e-06) | (3.64e-06) | (3.71e-06) | (3.69e-06) |
| MtD | | –0.288** | | | | | |
| (0.132) | | | | | |
| RMtD | | | –0.246* | | | | |
| | (0.131) | | | | |
| LMtD | | | | –0.425*** | | | |
| | | (0.132) | | | |
| LM2tD | | | | | –0.614*** | | |
| | | | (0.146) | | |
| OMtD | | | | | | 0.283 | |
| | | | | (0.256) | |
| CtD | | | | | | | 0.492*** |
| | | | | | (0.144) |
| 상수항 | –5.381*** | –5.244*** | –5.408*** | –5.372*** | –5.251*** | –5.375*** | –5.549*** |
| (1.123) | (1.125) | (1.123) | (1.121) | (1.122) | (1.124) | (1.124) |
| N | 3,557 | 3,557 | 3,557 | 3,557 | 3,557 | 3,557 | 3,557 |
주 : 1) 괄호는 standard error, *** p<0.01, ** p<0.05, * p<0.1.
2) MtD는 담보대출액/금융부채, RMtD는 부동산담보대출액/금융부채, LMtD는 거주주택담보대출액/금융부채, LM2tD는 거주주택마련 목적 담보대출액/금융부채, OMtD는 거주주택 이외 부동산마련 목적 담보대출액/금융부채, CtD는 신용대출액/금융부채를 의미.