優惠房貸對於台灣房地產市場之影響性分析

The Analysis of The Influence of The Mortgage Interest-Rate Subsidies on Taiwan Real Estate Market

張祐菘(Yu-sung Chang)

指導教授 ： 江長周

中原大學/商學院/國際貿易研究所/碩士(2010年)

https://doi.org/10.6840/cycu201000936

摘要

中文摘要
政府為了解決民眾住宅問題，自民國87年起陸續推出了振興房地產市場措施，計畫由市場供需面，減輕民眾的購屋負擔，期望解決空屋問題並協助民眾實現購屋的夢想，亦同時帶動整體房市景氣與促進金融體系的安定性。
其中牽涉最廣者為優惠房貸的提供，尤以一生一次購屋優惠貸款最為重要，透過利息的補貼，刺激購屋者的購買慾望，提升購屋需求以拉升房價，然而政府透過此種方式，是否有其成效，需要進一步釐清。
本研究試圖透過經濟模型的分析，衡量政策的成效與影響，研究結果顯示，政府政策性優惠房貸補貼措施確實具有部分之成效，且該政策亦幫助購屋者減輕購屋的成本。

關鍵字

利息補貼 ； 住宅政策 ； 優惠房貸

並列摘要

Abstract
In order to solve the housing problem for the public, our government, since 1998, has continuously implemented many supporting measures to revitalize the real estate market and planned to make use of the market supply and demand to mitigate people’s burden on buying their own house. In addition, it also expected to solve the vacancy problem and assisted people in realizing their dream of purchasing a house that can, at the same time, not only improve the prosperity of entire housing market, but also promote the stability for our financial system.
Among which, the most widely involved measure is the provision of Preferential Mortgage Loans, especially the most important once-in-a-lifetime preferential mortgage loans, it has used the interest subsidy as an incentive to stimulate house buyers’ wish for purchasing and improve the demand for buying houses to raise the housing prices. However, regarding such measure our government used, it needs to make further clarification on whether it is effective or not.
This study attempted to utilize the economic model to measure the effectiveness and influence of policies. The results showed that the effect of government’s political subsidy measure of preferential mortgage loans is significant. The policy also reduced the house-purchasing cost of consumers.

並列關鍵字

interest-rate subsidies ； mortgage ； housing policy

參考文獻

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