<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; tab-stops: 6.0cm;"><span style="mso-bidi-font-size: 12.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">經濟日報【郭及天】</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; tab-stops: 6.0cm;"><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: Arial; mso-hansi-font-family: Arial;">土地銀行帶頭鬆綁房貸成數、調降利率，住商不動產企研室主任徐佳馨表示，經過近二年盤整，房市在低利環境下並未崩盤，法拍市場得標價不乏破上拍等現象，都是房市已探底的重要指標，加上相對其他貸款，房貸有擔保品、風險低，應是銀行對不動產放款態度轉趨積極的原因。</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; tab-stops: 6.0cm;"><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: Arial; mso-hansi-font-family: Arial;">徐佳馨認為，土銀登高一呼，其他行庫是否跟進，值得注意。以目前住宅市場來看，房價仍缺乏上漲力道，房市炒風應不會死灰復燃，二、三線市場工業不動產則可能因銀根寬鬆受惠。</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; tab-stops: 6.0cm;"><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: Arial; mso-hansi-font-family: Arial;">台灣房屋智庫發言人張旭嵐表示，近月中部已有銀行透過提高房貸成數試水溫，由於提高貸款成數後，自備款減少，首購自住族群購屋門檻降低，稍微減輕購屋壓力，可望對房市注入一股活水。</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; tab-stops: 6.0cm;"><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: Arial; mso-hansi-font-family: Arial;">張旭嵐指出，房市成交關鍵還是在於房價，提高房貸成數、降低利率，會在最後關鍵時刻拉近買賣雙方差距，助成交一臂之力。</span></p>