<p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">自由時報【葉思含】</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">今日中信房屋發布</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">2017</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">年</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">Q3</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">宅指數，在買賣移轉棟數回溫之下，根據調查，全台民眾購屋意願走升、後勢看好，</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">2017</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">年全年買賣移轉棟數有機會挑戰</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">27</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">萬棟，較去年史上新低的</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">24.5</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">萬棟大幅增加，有</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">4</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">成</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">7</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">的民眾認為房價將在</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">2018</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">年落底，且紛紛出來看屋，本季來客量較上季大增</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">45.8%</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">。</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">中信房屋副總劉天仁指出，根據中信房屋委託創市際市場研究顧問統計宅指數調查發現，在國內外局勢受到地緣政治、貨幣政策牽動的影響下，過去人們懷抱著「現金為王」的心情已經轉淡，本季已出現連續第</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">4</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">季「不動產」為抗跌保值第</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">1</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">名的調查結果，且較上季略為增加</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">0.3%</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">，對於房市是好消息，因此提升購屋族進場意願。</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">值得留意的是，目前房地產市場的購屋客層主要以自住客為主，劉天仁分析，該群自住客偏好新成屋、中古屋更勝於預售屋，且偏好程度有逐季增加的趨勢，因中古屋有公設比較低的優勢，而景氣跌、市場看空，買方沒有購買預售屋的動力，由成屋市場取代預售市場。</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">此外，本季宅指數也特別針對</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">40</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">年房貸調查，有</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">33.6%</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">的民眾有意願申請，主要受現在房價與</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">20</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">年期房貸本息太高，</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">40</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">年房貸每月繳納金額與租金差距不大等因素吸引，其中以年齡層在</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">30~39</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">歲之間的民眾意願最高；以區域來分析，台北市、新北市、台中市及台南市的申請意願較高。劉天仁建議銀行應在宣傳上多加把勁，如果房屋在</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">40</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">年內就會獲利出售，貸款期較長能大幅減輕房貸負擔，但購屋人在申請前仍要評估自身條件、還款能力以及未來收入穩定性，以確保房貸的支付能力。</span></p> <p class="MsoNormal" style="line-height: 23pt; text-align: center;"><img src="http://img.ltn.com.tw/Upload/house/page/2017/09/25/170925-3907-2-H220W.jpg" alt="" /></p> <p class="MsoNormal" style="line-height: 23pt; text-align: center;"><img src="http://img.ltn.com.tw/Upload/house/page/2017/09/25/170925-3907-3-Mgatd.jpg" alt="" /></p>