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    Title: 購屋負擔能力與住宅政策 - 以臺北市為例
    Authors: 曹証鈞
    Contributors: 張勝文
    曹証鈞
    Keywords: 購屋負擔能力
    負擔風險法
    賸餘所得法
    住宅政策
    Date: 2009
    Issue Date: 2013-09-04 15:08:48 (UTC+8)
    Abstract: 近年來台灣地區房價水準持續攀升,民眾開始產生無力購置自有住宅的問題。在此情形下,政府採行何種住宅政策最能改善家戶單位的購屋能力,便成為社會關注的議題。為了比較各種住宅政策對各分位家戶單位購屋負擔能力的影響,本研究以Gan和Hill (2008) 的負擔風險法 (Affordability at Risk,AaR) 為衡量家戶單位購屋負擔能力的基本架構,並融合賸餘所得法 (Residual Income Approach)的衡量概念對Gan和Hill (2008) 的衡量方式進行部分修正,而後以台北市的數據模擬分析各住宅政策對台北市各分位家戶單位購屋負擔能力的影響效果,並指出在改善低所得家庭購屋負擔能力的目標上,以「放寬貸款年限」的政策效果最為顯著,其次為「利息抵繳所得稅」。而採取「利息補貼」或「提供優惠房貸」的住宅政策,僅在房屋貸款利率較高的年度具有較好的政策效果,在房貸利率較低的年度,其政策影響不大。此外,本研究的模擬分析結果也指出當家戶單位的自備款低於100萬元時,無論政府採取何種住宅政策對家戶單位而言皆無法增加其購買負擔能力,此時政府僅能藉由提供租屋補貼等方式,降低家戶單位的租屋負擔進而增加其住宅負擔能力。
    Reference: 曾平毅(1994),「都會區擁屋力之初探」,《都市與計畫》,21(2),173-190。
    薛立敏(1996),「台灣地區合理房價之探討」,行政院經建會。
    高國峰,張金鶚與林秋瑾(2001),「台北市合理房價-需求面分析」,《住宅學報》,10(1),51-66。
    信義房屋網http://www.sinyi.com.tw/news/news-press-content.aspx?id=359&p=2
    住宅e化網 http://ehi.cpami.gov.tw/Net/policy/policy.aspx?id=15
    財團法人國土規劃與不動產資訊中心(2006),《住宅需求動向季報》,4(1),行政院經濟建設委員會委託製作。
    台北市政府主計處(2002~2008),《台北市家庭收支概況調查報告》。
    行政院96年11月21日院臺建字第0960050731號函。

    Demographia International (2009), “5th Annual Demographia International housing affordability survey”.
    Bourassa, Steven C. (1996),“Measuring the affordability of home-ownership,” Urban Studies, 33(10), 1867-1877.
    Gan, Quan and Robert J. Hill (2008),“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.
    Hulchanski, J. David (1995), “The concept of housing affordability: six contemporary uses of the housing expenditure-to-income ratio,” Housing studies, 10(4), 471-486.
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    Description: 碩士
    國立政治大學
    財政研究所
    97255001
    98
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0097255001
    Data Type: thesis
    Appears in Collections:[財政學系] 學位論文

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