7月房貸建貸餘額衝新高
2017/8/26
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><span style="font-family: 微軟正黑體, sans-serif;">經濟日報【吳苡辰】</span></p>
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">房市表現持穩，房市回溫？中央銀行昨（</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">25</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">）日公布，</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">7</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月全體房貸餘額達</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">6</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">兆</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">5,072</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元、建築貸款餘額</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">1</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">兆</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">6,718</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，雙雙續創歷史新高紀錄，房市業者認為，下半年將維持「價跌、量微增」態勢。</span></p>
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">代表房市下游的房貸餘額，被視為房市買氣指標之一，</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">7</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月房貸餘額增加</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">241</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，來到</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">6</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">兆</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">5,072</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，寫下歷史新高紀錄，不過年增率則從上月的</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">4.57%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">降至</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">4.44%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">。</span></p>
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">房貸餘額年增率在今年</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">1</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月突破</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">4%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">整數大關後，</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">2</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月再由原本的</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">4.01%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">增至</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">4.18%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">，</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">3</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">至</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">7</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月則皆維持</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">4.5%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">左右，央行官員表示，貸款餘額年增率雖小幅滑落但仍維持</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">4%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">以上水準，顯示房市擁自住客買盤支撐，推升房貸餘額續創新高。</span></p>
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">在「青年安心成家方案」部分，</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">7</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月底貸款餘額</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">6,102</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，月增</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">69</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，占全體房貸餘額比重提高為</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">9.38%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">，同樣也顯示目前市場以自住需求為主。</span></p>
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">而代表房市上游的建築貸款，</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">6</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月餘額為</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">1</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">兆</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">6,718</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，月增</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">530</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元；年增率由</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">6</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月的</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">3.38%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">微降至</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">3.08%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">，雖終止連三個月增加，但保持在</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">3%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">水準，央行主管表示，主因在於去年基期較低，使建築貸款年增率增加幅度大，但從貸款餘額成長趨勢來看，建商確實沒像去年那麼看壞房市，且持續有推案與周轉金需求。</span></p>
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">台灣房屋智庫資深分析師陳炳辰表示，政府與民間銀行在房貸業務態度積極，屢推出優惠房貸方案，而利率持續偏低，吸引不少首購民眾進場，甚至投資客群也下場試水溫，有效促使承做房貸額度走高。</span></p>
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">目前觀察下半年房市，由於市場未多傳利空消息，房市緩步回溫情況穩定，不過熱錢與民眾投資目光集中股市，且整體景氣非強勢復甦，不動產市場仍將維持價跌量微增態勢。</span></p>
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">但房貸市場近期升溫，國銀搶客，針對房屋轉貸、原屋融資客戶，殺價競爭。</span></p>
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