公庫融資によるプレハブ化推進に関する考察: 日本の住宅の質的向上に住宅金融公庫が果たした役割

摘要

本報では、公庫融資の貸付種別の整理に基づき、持家系住宅に対する融資実績の推移を示す統計資料を作成し、住宅性能表示制度が始まった2000年度までの公庫融資制度の変遷を分析した。また、住宅の質的向上を図る取り組みとしてプレハブ化に着目し、木質系プレハブと鉄鋼系プレハブに対する公庫融資を分析した。これらの分析を通して得られた知見は次の三つにまとめられる。%This research aims to clarify how the Housing Loan Corporation had improved the quality of Japanese houses. This paper compiles the statistic of the Government Housing Loan, and makes a historical review based on the Housing Loan Corporation's business plans. And the followings are clarified: firstly, the course of the Housing Loan Corporation's history was to make a variety of loans to the dwelling units for sale. Secondary, the Government Housing Loan is an origin of seismic and fire preventive performance with present wooden houses of Japan. Thirdly, it gave steel prefabricated houses a quality assurance on new building system.