<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;">自由時報【朱語蕎】</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: 13pt; font-family: 微軟正黑體, sans-serif;">根據《住展》雜誌統計，今年截至</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">8</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">月止，北台灣可提供</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">8</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">成以上房貸的新建案共有</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">151</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個，平均每個月有將近</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">19</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個公開建案可提供高銀貸方案，預估年底將突破</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">200</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個，有機會創</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">2011</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">年以來新高。</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: 13pt; font-family: 微軟正黑體, sans-serif;">今年高銀貸建案共有</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">151</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個，平均每</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;">個建案就有</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;">個提供高銀貸方案，《住展》雜誌企研室經理何世昌表示，國內銀行爛頭寸達</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">9.88</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">兆元，創史上新高，銀行為了消化閒錢，紛紛放寬房貸條件，新建案也樂於與銀行專案合作，祭出</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">8</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">成銀貸的建案也大幅增加。</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: 13pt; font-family: 微軟正黑體, sans-serif;">根據統計數據，</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">2012</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">年到</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">2014</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">年間，高銀貸建案數量與佔比連年下滑，</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">2014</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">年高銀貸建案僅剩</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">119</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個，創下金融海嘯後新低，但央行在</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;">年解除選擇性信用管制後，當年高銀貸建案數量和佔比立刻反彈，去年底已升至</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">191</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個，佔比也突破</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;">，今年前</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">8</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個月更已逼近</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">29%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">。</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: 13pt; font-family: 微軟正黑體, sans-serif;">桃園</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;">字頭建案提供高房貸</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">吸年輕首購</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">&nbsp; </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: 13pt; font-family: 微軟正黑體, sans-serif;">今年以來台北市高銀貸建案僅有</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">13</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個，與一般認為台北市房子較保值，銀行會給予高成數房貸的印象有差，其中，文山區最多有</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">5</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個，其次是中山區</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;">個，北投和內湖各有</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;">個，高銀貸建案逾半位在蛋白區，這可能與銀行評估北市分行放款保守有關；另一方面，市中心不少建案總價超過</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;">千萬，央行尚未解除豪宅限貸令，也是因素之一。</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: 13pt; font-family: 微軟正黑體, sans-serif;">今年新北市高銀貸建案有</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">35</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個、桃園</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">70</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個、新竹</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">32</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">個、宜蘭</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;">個，桃園</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;">字頭單價區高銀貸建案多，由於桃園這波房價修正較多，銀行評估</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;">字頭房價再跌有限，所以願意給予高銀貸。</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: 13pt; font-family: 微軟正黑體, sans-serif;">何世昌表示，部分建案還會搭配</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">10~15%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">公司貸，買方自備款只要</span><span style="font-size: 13pt; font-family: Arial, sans-serif;" lang="EN-US">5~10%</span><span style="font-size: 13pt; font-family: 微軟正黑體, sans-serif;">，這類低自備、低首付方案對自備款不足的買方頗有誘因，如果民眾本身信用條件好，即便建案未提供高銀貸方案也無妨，可逕自洽詢其他銀行爭取更好貸款條件。</span></p> <p class="MsoNormal" style="margin-top: 9pt; line-height: 23pt; text-align: center;"><img src="http://img.ltn.com.tw/Upload/house/page/2017/08/31/170831-3748-2-cxcF4.jpg" alt="" /></p>