표 2 전체가구 실증분석
| 전체가구(1) | 전체가구(2) | 전체가구(3) | 전체가구(4) | 전체가구(5) | 전체가구(6) | 전체가구(7) |
H_age | 0.170*** | 0.170*** | 0.172*** | 0.171*** | 0.168*** | 0.170*** | 0.171*** |
(0.0286) | (0.0285) | (0.0285) | (0.0284) | (0.0284) | (0.0286) | (0.0284) |
H_age2 | –0.00163*** | –0.00163*** | –0.00164*** | –0.00164*** | –0.00163*** | –0.00163*** | –0.00165*** |
(0.000276) | (0.000275) | (0.000275) | (0.000275) | (0.000275) | (0.000276) | (0.000274) |
Income | –0.00011*** | –0.000112*** | –0.000111*** | -0.000108*** | –0.000105*** | –0.000110*** | –0.000117*** |
(1.83e-05) | (1.82e-05) | (1.81e-05) | (1.81e-05) | (1.80e-05) | (1.83e-05) | (1.83e-05) |
Nasset | –2.04e-05*** | –1.91e-05*** | –1.84e-05*** | –1.90e-05*** | –1.90e-05*** | -2.04e-05*** | –1.85e-05*** |
(2.65e-06) | (2.61e-06) | (2.63e-06) | (2.57e-06) | (2.54e-06) | (2.67e-06) | (2.59e-06) |
Fdebt | 1.88e-05*** | 2.13e-05*** | 2.14e-05*** | 1.99e-05*** | 2.03e-05*** | 1.87e-05*** | 2.03e-05*** |
(3.56e-06) | (3.61e-06) | (3.61e-06) | (3.52e-06) | (3.52e-06) | (3.59e-06) | (3.55e-06) |
MtD | | –0.364*** | | | | | |
| (0.0963) | | | | | |
RMtD | | | –0.343*** | | | | |
| | (0.100) | | | | |
LMtD | | | | –0.447*** | | | |
| | | (0.102) | | | |
LM2tD | | | | | –0.766*** | | |
| | | | (0.121) | | |
OMtD | | | | | | 0.0262 | |
| | | | | (0.236) | |
CtD | | | | | | | 0.582*** |
| | | | | | (0.104) |
상수항 | –5.239*** | –5.057*** | –5.212*** | –5.163*** | –5.031*** | –5.239*** | –5.426*** |
(0.714) | (0.714) | (0.712) | (0.711) | (0.711) | (0.714) | (0.713) |
N | 5,031 | 5,031 | 5,031 | 5,031 | 5,031 | 5,031 | 5,031 |
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.