11月新增房貸 近二年新高
2017/12/19
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><a name="OLE_LINK1"></a><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;">中央銀行昨（</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">18</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">）日公布，五大銀行</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">11</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月新承做房貸金額為</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">480.95</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，為</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">23</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個月來新高；新承做房貸利率小幅反彈至</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">1.63</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">％，終止連六降。央行官員表示，主因與青年安心成家優惠房貸金額占比下滑有關。</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;">對於</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">11</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月新承作房貸利率反彈與房貸金額增加，是否能解釋為房市回溫，央行官員說，須持續觀察。台灣房屋智庫資深分析師陳炳辰表示，利率</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">11</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月止跌反彈，可能與銀行在房貸業務逼近滿水位、銀行未再積極爭取房貸業務有關。</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;">五大銀行指台灣銀行、土地銀行、合作金庫銀行、第一銀行與華南銀行，其承做房貸比重約占全體銀行四成，常被視為房市風向球。</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;">央行昨日公布，五大行庫</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">11</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月新承做房貸平均利率由</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">10</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">1.627</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">1.63</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">％，終止連六降、自歷史次低反彈。</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;">央行官員表示，市場以自住客群為主，銀行也願給優質客戶優惠利率，由於五大銀行</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">11</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月新承做首購族低利的「青年安心成家方案」為</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">96</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，較</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">10</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">86</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元增加，但占整體購屋貸款占比從</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">22.8%</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">20%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">，減少</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">2.8</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個百分點。</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;">在五大銀行新承做購屋貸款部分，</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">11</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月為</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">480.95</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，較</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">10</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月增加</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">103.01</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，為近兩年來新高。央行官員表示，年底向來是交屋旺季，建商與屋主願意讓利降價，更使新增房貸金額增加。</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;">房地合一稅</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">2016</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">年上路，因此</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">2015</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">年</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">12</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月時許多民眾趕交屋，交屋潮將當時的新增房貸金額推升至</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">863.71</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">億元，當時寫下歷史新高紀錄。</span></p>
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: justify;"><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">11</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月六都建物移轉棟數，除高雄市年減</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">4.9%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">外，其餘買賣移轉棟數月增率與年增率全數增加，平均月增率增幅</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">24.3%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">，年增率為</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">10.1%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">。</span></p>
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<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;">近期許多銀行搶進房貸市場，業務量增加，逼近銀行法第</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">72</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">條之</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;">規範，因此</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">11</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月未再更積極的殺價搶客。</span></p>
<p class="MsoNormal" style="line-height: 23pt; margin-top: 9pt; text-align: center;"><img src="https://pgw.udn.com.tw/gw/photo.php?u=https://uc.udn.com.tw/photo/2017/12/19/2/4353040.jpg&x=0&y=0&sw=0&sh=0&sl=W&fw=1050&exp=3600&exp=3600" alt="經濟日報提供" /></p>