<p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="mso-bidi-font-size: 12.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">自由時報【盧冠誠】</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">台灣房市交易持續冷清，中央銀行昨公布</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">4</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">5</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">大銀行新承作房貸僅</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">293</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元，不僅月減</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">75</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元，若與去年同期</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">358</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元相比，也少了</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">65</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">台灣銀行、土地銀行、合作金庫銀行、第一銀行、華南銀行等</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">5</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">大銀行，承作房貸比重約占全體銀行的</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">4</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">成，常被視為房市風向球。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">據統計，台北市、新北市、台中市、台南市、高雄市、桃園市等</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">6</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">都，合計</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">4</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月買賣移轉棟數年增率仍保有</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">5</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">％正成長，對於為何</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">5</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">大銀行</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">4</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月新承作房貸卻較去年下滑？央行官員說，有可能是承作的房屋總價不太對稱，或是部分民營銀行積極辦理房貸業務所致。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">央行官員表示，</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">5</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">大銀行</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">4</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月新承作房貸較</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">3</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月減少，主因部分銀行承作整批分戶貸款減少，以及</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">6</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">都買賣移轉棟數合計月減</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">13</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">％。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">央行：</span></strong><strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">6</span></strong><strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">都買賣減少</span></strong></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">央行官員指出，現階段房市以首購、換屋等自住客為主，其中，</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">5</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">大銀行</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">4</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月新承作首購族的「青年安心成家方案」為</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">93</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元，比</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">3</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月高出</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">3</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元，占比亦由</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">24.4</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">％上揚至</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">31.6</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">％。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">房貸利率小升</span></strong><strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">0.001%</span></strong></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">房價部分，據「信義房價指數」顯示，台北市、新北市年增率分別下跌</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">5</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">％、</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">2</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">％；若對比兩都買賣移轉棟數年增率各有逾</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">20</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">％成長，央行官員認為，可能也反映房價下跌，吸引自住客進場。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">利率方面，</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">5</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">大銀行</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">4</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月新承作房貸利率小幅上揚至</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">1.666</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">％，月增</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">0.001</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">個百分點，央行官員表示，近期房貸利率變動不大，並處於相對低點，每月隨著不同房貸戶，而有些波動。</span></p>