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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/59523


    Title: 年輕族群住宅負擔能力問題
    Authors: 謝佩君
    Hsieh, Pei Chun
    Contributors: 張勝文
    謝佩君
    Hsieh, Pei Chun
    Keywords: 年輕族群
    住宅負擔能力
    負擔風險法
    住宅政策
    Date: 2012
    Issue Date: 2013-09-02 17:21:51 (UTC+8)
    Abstract: 本文以Gan and Hill (2009) 所提出之負擔風險法 (Affordability at Risk) 為基本架構,輔以賸餘所得 (residual income approach) 概念以取代房貸負擔率之設定,建立一個在市場房價分配已知情況下,可反映出家戶所得分配的負擔能力指標,以利區分家戶是否需要政府幫忙。使用《華人家庭動態資料庫》問卷資料,以個體分析方式,計算出全國整體與年輕家戶的購屋負擔能力及租屋負擔能力,並比較貸款限制的放寬與政府各項住宅政策對住宅負擔能力的影響,透過模擬分析的方式,希冀找出改善家戶住宅負擔能力的良方。

    就所蒐集到的資料,計算結果顯示出全國整體及年輕家戶於民國97年存有購屋負擔問題,惟其仍可透過租賃方式滿足其住宅需求,故住宅負擔能力不如想像中嚴重。透過政策的模擬分析,若目標為增加中產階級家戶的購屋負擔能力,以「放寬貸款年限」的效果最為顯著,其餘政策影響程度低。若為改善家戶的租屋負擔能力,則是以提供「租金補貼」的政策效果最為顯著,能幫助家戶在租屋市場中找到合適的住宅,並增加其租屋負擔能力。政府對於所得第一分位家戶,應以租屋市場為重,而非誘使其購屋,卻面臨無力償還貸款、信用破產的窘境。
    Reference: 中央研究院調查研究專題中心,華人動態家庭資料庫,擷取日期:2013年4月1日,取自:https://srda.sinica.edu.tw/news。
    中央銀行全球資訊網,五大銀行(台銀、合庫銀、土銀、華銀及一銀)新承做放款金額與利率(102.4.24),擷取日期:2013年5月12日,取自:http://www.cbc.gov.tw/mp1.html。
    內政部營建署,青年安心成家方案,擷取日期:2013年1月18日,取自:http://www.cpami.gov.tw/chinese/index.php。
    行政院主計總處,台灣地區家庭收支調查,擷取日期:2013年5月27日,取自:http://www.dgbas.gov.tw/mp.asp?mp=1。
    財政部國庫署,公股銀行辦理青年安心成家購屋優惠貸款原則,擷取日期:2013年1月18日,取自:http://www.nta.gov.tw/。
    曹証鈞,2010,購屋負擔能力與住宅政策-以臺北市為例,國立政治大學財政研究所碩士論文。
    陳佳欣,陳彥仲,2010,結婚決策對首次購屋決策影響之內生性分析—台灣地區男性受訪者之實證現象探討,住宅學報,19(1),58-80。
    蔡佩倫,2011,購屋負擔能力、租屋負擔能力與住宅政策,國立政治大學財政研究所碩士論文。
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    Description: 碩士
    國立政治大學
    財政研究所
    98255007
    101
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0098255007
    Data Type: thesis
    Appears in Collections:[財政學系] 學位論文

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