政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/59523
English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  Items with full text/Total items : 113451/144438 (79%)
Visitors : 51313500      Online Users : 900
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
    •  Adv. Search
    Home ‧ Login ‧ Upload ‧ Help ‧ About ‧ Administer Goto mobile version


    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。
    Baxter, J. and P. McDonald (2005), “Home Ownership among Young People in Australia: in Decline or just Delayed?” Australian Journal of Social Issues, 40(4), 471-487.
    Ben-Shahar, Danny (2007), “Tenure Choice in the Housing Market. Psychological Versus Economic Factors” Environment and Behavior, 39(6), 841-858.
    Bourassa, Steven C. (1996), “Measuring the Affordability of Homeownership,” Urban Studies, 33(10), 1867-1877.
    Calem, Paul S., Simon Firestone and Susan M. Wachter (2010), “Credit Impairment and Housing Tenure Status,” Journal of Housing Economics, 19(3), 219-232.
    Cecilia Enström Öst (2012), “Parental Wealth and First-time Homeownership: A Cohort Study of Family Background and Young Adults` Housing Situation in Sweden,” Urban Studies, 49(1), 2137-2152.
    Feijten, Peteke, Clara H. Mulder and Pau Baizán (2003), “Age Differentiation in the Effect of Household Situation on First-time Homeownership,” Journal of Housing and the Built Environment, 18(3), 233-255.
    Fisher, Jonas D. M. and Martin Gervais (2011), “Why Has Home Ownership Fallen Among The Young?” International Economic Review, 52(3), 883-912.
    Gan, Quan and Robert J. Hill (2009), “Measuring Housing Affordability: Looking Beyond the Median,” Journal of Housing Economics, 18 (2), 115-125.
    Hancock, K. E. (1993), “’Can Pay? Won’t Pay?’ or Economic Principles of ‘Affordability’,” Urban Studies, 30 (1), 127-145.
    Haurin, Donald R., Patric H. Hendershott and Susan M. Wachter (1997), “Borrowing Constraints and the Tenure Choice of Young Households,” Journal of Housing Research, 8(2), 137-154.
    Helderman, Amanda and Clara Mulder (2007), “Intergenerational Transmission of Homeownership: The Roles of Gifts and Continuities in Housing Market Characteristics,” Urban Studies, 44(2), 231–247.
    Ioannides, Y. M. (1987), “Residential Mobility and Housing Tenure Choice, ” Regional Science and Urban Economics, 17(2), 265-287.
    Kutty, Nandinee K. (2005), “A New Measure of Housing Affordability: Estimates and Analytical Results,” Housing Policy Debate, 16(1), 113-142.
    Lerman, Donald L. and William J. Reeder (1987), “The Affordability of Adequate Housing,” American Real Estate and Urban Economic Association Journal, 15 (4), 389-404.
    Linneman, Peter and Susan Wachter (1989), “The Impacts of Borrowing Constraints on Homeownership,” Real Estate Economics, 17(4), 389–402.
    Quigley, John M. and Steven Raphael (2004), “Is Housing Unaffordable? Why Isn’t It More Affordable?” Journal of Economic Perspectives, 18(1), 191-214.
    Shiller, Robert J. (2007), “Understanding Recent Trends in House Prices and Home Ownership,” Proceedings, Federal Reserve Bank of Kansas City, 89-123.
    Smits, A. and C. H. Mulder (2008), “Family Dynamics and First-Time Homeownership,” Housing Studies, 23(6), 917–933.
    Stone, Michael E. (2006), “What Is Housing Affordability? The Case for the Residual Income Approach,” Housing Policy Debate, 17(1), 151-184.
    Thalmann, Philippe (1999), “Identifying Households which Need Housing Assistance,” Urban Studies, 36(11), 1933-1947.
    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:[Department of Public Finance] Theses

    Files in This Item:

    File SizeFormat
    index.html0KbHTML2550View/Open


    All items in 政大典藏 are protected by copyright, with all rights reserved.


    社群 sharing

    著作權政策宣告 Copyright Announcement
    1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
    The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

    2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
    NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - Feedback