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20 pyeong 60 percent Appendix Table Assuming average unit Census cities other cities core housing cross-subsidization demand deposits detached unit dwelling estimates existing stock expansion expenditures Fifth Five Five Year Plan graduated payment mortgage homeownership Housing Bond housing sector housing services IBRD improvement income distribution increase initial interest rate interview KHB's Kim Kwang Suk KLDC Korea Housing Bank Korea Housing Corporation land costs land development loans lower half lower income households market rate ment million pyeong million won millions of won mortgage loans N N N N N N number of households owner owner-occupied percentile Plan period price elasticities public housing program purchase pyeong unit ratio reduce rental quarters rental units repairs Report require residential rise large cities sample savings scenarios Seoul SKIP ro Source space standard errors structure subsidy survey two-for-one unit cost units built urban areas variable