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    Title: 金融危機下民眾購屋目的之研究
    A Study on the Purpose of People`s House Purchase under the Financial Crisis
    Authors: 鄒瑋玲
    Tsou, Wei-Ling
    Contributors: 孫振義
    Sun,Chen-Yi
    鄒瑋玲
    Tsou, Wei-Ling
    Keywords: 購屋者
    金融危機
    生命週期
    投資
    消費
    Purchaser
    Financial crisis
    Life cycle
    Investment
    Consumption
    Date: 2022
    Issue Date: 2022-03-01 17:42:33 (UTC+8)
    Abstract: 房地產有兩大特點，分別是消費與投資。為了解全球金融危機下購屋者不同家庭結構、收入、購屋市場類型與縣市之購屋目的傾向，本研究應用二元羅吉特模型來分析2006年第四季（2006 Q4）至2009年第四季（2009 Q4）臺灣不同購屋者投資或消費決策的傾向差異。本研究實證結果顯示，在不同的住宅市場類型與縣市，僅年輕夫妻、年輕家庭與三代同堂族群以自住為導向購屋；全球金融危機發生後，成熟家庭及中年夫妻族群之中古屋購屋者，亦傾向購屋自住。
    其次，在全球金融危機後的年輕夫妻、年輕家庭與三代同堂之購屋者，收入較低的族群，傾向購屋自住。又因區域特性，全球金融危機後，臺北市及臺中市之購屋者，則傾向購買新成屋及中古屋自住；最後，全球金融危機前，新北市中古屋購屋者購屋目的傾向投資。
    綜上，本研究之政策建議有以下三點：首先，建議政府應重視購屋者自住需求面，尤其在出現類似金融危機期間，投資者購屋投資意願下降之際，祭出調整供給或補貼方式。再者，政策制定應因地制宜，重視區域特性，以達政策制定之效果。最後，加強推動住宅價格資訊透明、健全房地產市場等住宅政策，實現居住正義。
    Real estate has two major characteristics, representing a consumption good and an investment good. To understand the propensity of real estate purchasing purposes among real estate purchasers of different family structures, income levels, housing market types, and counties and cities under the impact of the global financial crisis, this study applies the Binary Logit Model to analyze the difference of investment or consumption decision propensity of different real estate purchasers from 2006 Q4 to 2009 Q4. The empirical results of this study show that in different housing market types and counties and cities, only young couples, young families, and three-generation family groups purchase real estate for the purpose of owner occupancy. After the outbreak of the global financial crisis, mature families and middle-aged couples purchasing pre-owned housing also tend toward owner occupancy.
    Secondly, after the global financial crisis, young couples, young families, and three-generation families with lower incomes tend to buy houses for owner occupancy. Moreover, because of the regional characteristics, after the global financial crisis, real estate purchasers in Taipei City and Taichung City tend to buy newly-built houses and pre-owned houses for their own use. Finally, before the global financial crisis, the purchasers of old houses in New Taipei tend toward the purpose of investment.
    Based on the aforementioned findings, this study proposes the following three policy recommendations. First, it is suggested that the government should pay attention to the demand for owner occupancy among real estate purchasers, implementing measures to adjust supply or offer subsidies particularly during the outbreak of a similar financial crisis that causes decreased intention among investors to buy houses. Furthermore, policy-making should be based on local conditions and regional characteristics, so as to achieve the effect of policy formulation. Finally, efforts should be made to strengthen housing policies such as promoting the transparency of housing price information and improving the real estate market, so as to realize housing justice.
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    Description: 博士
    國立政治大學
    地政學系
    101257503
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0101257503
    Data Type: thesis
    DOI: 10.6814/NCCU202200285
    Appears in Collections:[Department of Land Economics] Theses

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