초록 열기/닫기 버튼
금융화 이전 소득을 통한 주택취득이 보편화되었다. 소득기반 주택취득 모델에서 소득과 주택의 불평등은 고소득층=자가소유, 중간소득층=전세, 저소득층=월세라는 단순하고 강력한 관계가 성립했다. 금융화된 중간계급의 등장을 동반한 가계의 금융화는 주택기반 자산극대화 모델을 등장시켰다. 금융화 이후 불평등은 한편으로는 주택가격 상승을 통해, 다른 한편으로는 자산관계의 임대차 관계로의 전이를 통해 확산되었다. 이로써 소득 및 주택의 불평등은 새로운 패턴이나타났다. 첫째, 소득과 주거입주 형태 사이에 존재했던 강력한 연관은 서서히느슨해지고 새로운 형태가 들어서는 방식으로 주거계층이 재편되었다. 둘째, 계층내 불평등을 세분화하는 동시에 계층 간 불평등을 심화하는 양상으로 불평등의 구조를 바꾸었다.
Housing acquisition through income had been generalized beforefinancialization. In a housing acquisition model that is based on income, inequality betweenincome and house had established simple and powerful relations: higher incomegroups as home ownership, middle income groups as a lease and lowerincome groups as monthly rent. The financialization of household, with the advent of financialized middleincome groups, has replaced housing acquisition model that is based on incomewith an asset maximization model that is based on housing. Inequality has been spread by rising housing price and transference of leaserelation in property relation since financialization. With these changes, inequalities of income and housing emerge newpatterns. First, the strong relationship between income and housing tenure type hassteadily been weakened and housing class is being reorganized in the mannerof new types. Second, the structure of inequality has been changed, such as subdivided inequalityinto classes and increased inequality between classes. Third, housing is becoming a more and more powerful factor in the relationshipof inequality between income and housing.
키워드열기/닫기 버튼
Financialization, Multiple Disparity, Income Inequality, Asset Inequality
