[新聞] 首購撐盤 青年安心成家貸款紅翻天
內文:
(中央社記者韋樞台北10日電)房市研究單位發現,房市由首購族撐盤,連帶使得申請「
青年安心成家貸款」紅翻天,7月申請戶數、金額雙創下歷年單月新高。主要是國庫署提
高貸款額度至新台幣800萬元,增加貸款意願。
房市研究單位瑞普萊坊引述財政部國庫署統計的「青年安心成家貸款」受理情形,105年
第3季申請戶數為1萬3495戶,季增29.8%,年增131.4%;金額為新台幣624.51億元,季增
16.5%,年增247.8%,創開辦以來的歷史新高。今年7月更創下歷年來單月新高,戶數6116
戶,金額256.67億元,高於平均值117.6億一倍之多。
累計今年前3季新增3萬926戶、金額新增1495億元,較去年同期大增59.5%、125.4%,顯見
在市場一片低迷之下,首購族逆勢崛起。
瑞普萊坊市場研究部副總監黃舒衛表示,根據國庫署的統計,申請青年安心成家的首購族
在民國102年到達新高,戶數達4.6萬戶,總金額1668億元,但去年申辦戶數減少40.9%、
金額減少44.4%,剛性需求降低。104年第3季申請「青年安心成家貸款」落入歷史新低。
黃舒衛說,財政部國庫署105年「青年安心成家貸款」,每戶最高貸款額度從500萬元提高
至800萬元,增加年輕族群購屋意願,帶動今年每月申請戶數及金額皆有穩定成長,政策
效果顯著。
黃舒衛解釋,政府打房政策無論是央行限貸、奢侈稅、豪宅稅、囤房稅、房地合一稅都不
是針對首購族,首購族沒道理不進場,關鍵仍在價格、預算。但今年房市明顯轉向首購族
市場,建商轉推中低總價產品,再加上低利率環境以及自用住宅優惠,刺激首購族回籠。
因此專屬首購族的「青年安心成家優惠購屋貸款」申請較以往熱絡。1051110
連結:
http://www.cna.com.tw/news/afe/201611100226-1.aspx
其他:青年安心成家的條件未必會比一般銀行好,可以多比較看看。
不過還是要先有自備款,不然只能在網路當憤世嫉俗的可憐酸酸。
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