ID142GCREC论文全文.docVIP

PAGE \* MERGEFORMAT 1 推估家戶購屋可負擔價格 與實際交易價格之差距 —以國際首都城市之實證比較 唐立軒1 陳彥仲2 成功大學都市計劃系碩士研究生,臺南市大學路1號) 成功大學都市計劃系教授) 摘要： 根據世界經濟合作發展組織(OECD) 2006年的研究指出，近五成的會員國房價成長超過10%，帶來短期內經濟繁榮的現象，然而高房價也使得城市居民必須負擔更高的購屋壓力。為解釋住宅負擔能力，PIR(Price-to-Income Ratio)法是常見的衡量指標，即對家戶購置住宅的價格與其本身收入的比值做比較，然住宅由於昂貴的特性，大部分民眾皆選擇以貸款的方式購買住宅。因此，前項所提之PIR房價所得比方法並不能完全反映家戶的購屋負擔能力，本研究引用Bourassa(1996)和Gan and Hill(2009)之研究，界定購屋負擔能力為「在不影響基本生活水準之下，家戶購置住宅所必須擁有的所得以及可支付貸款的能力」。並得出家戶購置住宅之價格上限值，若超過此上限值，家戶會有影響基本生活水準的風險。本研究定義此風險為「實際成交房價與家戶購屋可負擔價格的差距」(The Gap of Housing Affordability)。 本研究使用總體資料，取得不同城市房價、所得以及貸款特性等資料，比較國際首都城市購屋之可負擔價格與實際房價之差距，可以看出華人世界住宅負擔的情形為何，再逐步擴及亞洲地區，最後放諸歐美先進國家比較，瞭解不同地區民眾，對於購屋實際負擔的差異。 關鍵字：住宅價格；購屋負擔；國際首都城市比較 Estimating the Gap of Housing Affordability —Empirical Comparison of International Capital Cities Li-Hsuan Tang 1 Yen-Jong Chen2 (Department of Urban Planning, National Cheng Kung University, No.1, University Road, Tainan) Abstract According to the Organisation for Economic Co-operation and Development(OECD) of research in 2006 , that nearly half of the member states had more than 10% growth rate, which brought the phenomenon of short-term economic prosperity. However, high housing prices have made the city residents must pay higher housing pressure. For the interpretation of housing affordability, Price to Income Ratio (PIR) is the index in literatures that has mostly used to measure the pressure of real housing price to household income. Because housing price is expensive, most people chose to purchase housing loans. Therefore, the application of the PIR index is limited. In this study use Bourassa (1996), Gan and Hill (2009)’ s study, that Housing Affordability’s definition is “Without affecting to basic standard of living, purchase of residential households must have income as well as the ability to pay loans” And getting the price parameters of buying house. Households would be affected the risk of the basic standard of living if the price over its parameter. In this study defines the risk as “The Ga