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〈房产〉出手打炒房奏效 全台房贷负担率降至41.46% 房仲:买房难度仍高

2026-10-16 21:40:57 网络 阅读(7)

自2024年央行推出第七波选择性信用管制以来,房市热度逐步降温,房价涨势趋缓,民众购屋负担也因此出现改善。根据内政部资料,对比2024年第一季与2026年第一季全台及六都房贷负担率变化,全台房贷负担率已经由44.30%降至41.46%,减少2.84个百分点;进一步观察六都表现,其中以台北市减幅最大,达4.41个百分点,其次为台南市的3.43个百分点,以及台中市的3.09个百分点。

〈房产〉出手打炒房奏效 全台房贷负担率降至41.46% 房仲:买房难度仍高

中信房屋研展室副理庄思敏指出,台北市房价基期相对较高,房贷负担率也长期居六都之冠,因此当房价涨势放缓,整体负担率便可能出现较明显的变化。至于台中、台南,过去房市在建设题材、科技题材与市场热潮带动下,房价涨势惊人,如今受信用管制影响,投资性需求几乎绝迹,市场回归理性,自住买盘追价意愿不高,房价涨势大幅收敛,部分区域甚至出现价格修正的情况,房贷负担率自然随之回落。

不过,虽然房贷负担率下降,但为什么多数民众仍觉得买不起房?对此,庄思敏表示,房贷负担率改善,并不代表购屋门槛已降至多数家庭都能轻松负担的程度。目前全台房贷负担率41.46%,仍属「负担能力偏低」水准,其中,双北的房贷负担率更超过5成,等于一般家庭要拿出一半以上的可支配所得缴房贷,购屋压力之沉重可见一斑。

而且目前全台房价仍在相对高档,动辄数百万元的头期款,仍是年轻人与首购族最大的难关。再加上银行房贷额度紧缩、审核趋严,部分民众还可能面临贷款成数不如预期、须提高自备款,或承担较高房贷利率的困境,进一步增加购屋难度。

庄思敏表示,要让民众真正买得起房,关键还是在于提高收入,近年薪资成长多集中在科技业,许多传统产业的薪水仍相当微薄,不同产业间的薪资差距持续扩大,也让「买得起」与「买不起」的族群更加分化。她建议,政府除了持续健全房市,更应从产业升级、平衡产业发展、提升劳工薪资等面向着手,让薪资成长追上房价,才能从根本改善民众的购屋负担,实现安居目标。


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      "title": "营收速报  - 信音(6126)6月营收5.54亿元年增率高达59.02%",
      "shortTitle": "营收速报  - 信音(6126)6月营收5.54亿元年增率高",
      "img": "",
      "createdAt": "2026-07-07T09:50:26.000Z",
      "description": "2026年6月信音(6126-TW) 营收年增成长59.02% , 盘后股价为34.15元",
      "pv": 239,
      "pinyin": "tw",
      "name": "台股",
      "path": "/new/tw"
    },
    {
      "id": 16808,
      "title": "钢铁输欧配额「黑箱」? 经济部:8成业者沿用旧制 自由配额维持20%",
      "shortTitle": "钢铁输欧配额「黑箱」? 经济部:8成业者沿用旧制 自由配额维",
      "img": "https://cimg.cnyes.cool/prod/news/6612316/l/cc3fc977f79810ef8fcdb60e43d15d8d.jpg",
      "createdAt": "2026-09-21T12:54:30.000Z",
      "description": "经济部澄清输欧盟钢铁出口管理措施已行之有年,系因应欧盟2019年起钢铁防卫措施,并非黑箱作业。
本次配额分为出口实绩配额与自由申请配额;出口实绩配额依2022至2024年平均出口量分配,业者近8成同意比照旧制。
经济部称自由申请配额20%为历年惯例,贸易商申请条件较严,将续依业者意见与实际状况调整。",
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      "id": 2528,
      "title": "巨亨速报 - Factset 最新调查:健策(3653-TW)EPS预估下修至54.92元,预估目标价为5000元",
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      "description": "FactSet 最新调查:健策(3653-TW)EPS预估下修,预估EPS、预估营收、目标价、历史获利表现、即时新闻资讯。",
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      "id": 8252,
      "title": "巨亨速报 - Factset 最新调查:大立光(3008-TW)EPS预估上修至190元,预估目标价为5220元",
      "shortTitle": "巨亨速报 - Factset 最新调查:大立光(3008-T",
      "img": "",
      "createdAt": "2026-07-27T00:14:08.000Z",
      "description": "FactSet 最新调查:大立光(3008-TW)EPS预估上修,预估EPS、预估营收、目标价、历史获利表现、即时新闻资讯。",
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      "shortTitle": "巨亨速报 - Factset 最新调查:力旺(3529-TW",
      "img": "",
      "createdAt": "2026-05-22T04:10:38.000Z",
      "description": "FactSet 最新调查:力旺(3529-TW)EPS预估下修,预估EPS、预估营收、目标价、历史获利表现、即时新闻资讯。",
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      "title": "巨亨速报 - Factset 最新调查:臻鼎-KY(4958-TW)EPS预估上修至14.46元,预估目标价为560元",
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      "description": "FactSet 最新调查:臻鼎-KY(4958-TW)EPS预估上修,预估EPS、预估营收、目标价、历史获利表现、即时新闻资讯。",
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      "title": "巨亨速报 - Factset 最新调查:弘塑(3131-TW)EPS预估上修至69.62元,预估目标价为4000元",
      "shortTitle": "巨亨速报 - Factset 最新调查:弘塑(3131-TW",
      "img": "",
      "createdAt": "2026-05-28T00:10:32.000Z",
      "description": "FactSet 最新调查:弘塑(3131-TW)EPS预估上修,预估EPS、预估营收、目标价、历史获利表现、即时新闻资讯。",
      "pv": 189,
      "pinyin": "tw",
      "name": "台股",
      "path": "/new/tw"
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      "id": 8426,
      "title": "巨亨速报 - Factset 最新调查:联发科(2454-TW)EPS预估上修至67.67元,预估目标价为5300元",
      "shortTitle": "巨亨速报 - Factset 最新调查:联发科(2454-T",
      "img": "",
      "createdAt": "2026-07-28T02:13:21.000Z",
      "description": "FactSet 最新调查:联发科(2454-TW)EPS预估上修,预估EPS、预估营收、目标价、历史获利表现、即时新闻资讯。",
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      "id": 1671,
      "title": "〈COMPUTEX〉长荣航打造完整跨洲飞航网络 大抢商务客源",
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  "article": {
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    "title": "〈房产〉出手打炒房奏效 全台房贷负担率降至41.46% 房仲:买房难度仍高",
    "shortTitle": "〈房产〉出手打炒房奏效 全台房贷负担率降至41.46% 房仲",
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    "description": "自2024年央行推出第七波选择性信用管制以来,房市热度逐步降温,房价涨势趋缓,民众购屋负担也因此出现改善。根据内政部资料,对比2024年第一季与2026年第一季全台及六都房贷负担率变化,全台房贷负担率已经由44.30%降至41.46%,减少2.84个百分点;进一步观察六都表现,其中以台北市减幅最大,达4.41个百分点,其次为台南市的3.43个百分点,以及台中市的3.09个百分点。 中信房屋研展室副理庄思敏指出,台北市房价基期相对较高,房贷负担率也长期居六都之冠,因此当房价涨势放缓,整体负担率便可",
    "img": "https://cimg.cnyes.cool/prod/news/6631793/l/03651388c8773ec0fea03c6461ac1422.jpg",
    "content": "<p>自2024年央行推出第七波选择性信用管制以来,房市热度逐步降温,房价涨势趋缓,民众购屋负担也因此出现改善。根据内政部资料,对比2024年第一季与2026年第一季全台及六都房贷负担率变化,全台房贷负担率已经由44.30%降至41.46%,减少2.84个百分点;进一步观察六都表现,其中以台北市减幅最大,达4.41个百分点,其次为台南市的3.43个百分点,以及台中市的3.09个百分点。</p>\n<p style=\"text-align:center;\"><img src=\"https://cimg.cnyes.cool/prod/news/6631793/l/03651388c8773ec0fea03c6461ac1422.jpg\" alt=\"〈房产〉出手打炒房奏效 全台房贷负担率降至41.46% 房仲:买房难度仍高\" style=\"width:50%;height:auto;border-radius:6px;margin:15px auto;display:block;\"></p>\n\n\n<p>中信房屋研展室副理庄思敏指出,台北市房价基期相对较高,房贷负担率也长期居六都之冠,因此当房价涨势放缓,整体负担率便可能出现较明显的变化。至于台中、台南,过去房市在建设题材、科技题材与市场热潮带动下,房价涨势惊人,如今受信用管制影响,投资性需求几乎绝迹,市场回归理性,自住买盘追价意愿不高,房价涨势大幅收敛,部分区域甚至出现价格修正的情况,房贷负担率自然随之回落。</p>\n\n<p>不过,虽然房贷负担率下降,但为什么多数民众仍觉得买不起房?对此,庄思敏表示,房贷负担率改善,并不代表购屋门槛已降至多数家庭都能轻松负担的程度。目前全台房贷负担率41.46%,仍属「负担能力偏低」水准,其中,双北的房贷负担率更超过5成,等于一般家庭要拿出一半以上的可支配所得缴房贷,购屋压力之沉重可见一斑。</p>\n\n<p>而且目前全台房价仍在相对高档,动辄数百万元的头期款,仍是年轻人与首购族最大的难关。再加上银行房贷额度紧缩、审核趋严,部分民众还可能面临贷款成数不如预期、须提高自备款,或承担较高房贷利率的困境,进一步增加购屋难度。</p>\n\n<p>庄思敏表示,要让民众真正买得起房,关键还是在于提高收入,近年薪资成长多集中在科技业,许多传统产业的薪水仍相当微薄,不同产业间的薪资差距持续扩大,也让「买得起」与「买不起」的族群更加分化。她建议,政府除了持续健全房市,更应从产业升级、平衡产业发展、提升劳工薪资等面向着手,让薪资成长追上房价,才能从根本改善民众的购屋负担,实现安居目标。</p>\n\n<figure><img data-height=\"351\" data-mime=\"image/jpeg\" data-ratio=\"1.4672364672364673\" data-src-m=\"https://cimg.cnyes.cool/prod/news/6631793/m/689a3d4d740f09c6e8b5074708a4ab33.jpg\" data-width=\"515\" src=\"https://cimg.cnyes.cool/prod/news/6631793/l/689a3d4d740f09c6e8b5074708a4ab33.jpg\"></figure>\n\n<p><br>\n </p><div class=\"related-articles seo-links\">\n  <h4>相关阅读</h4>\n  <ul>\n    <li><a href=\"/new/tw/article-19823.html\" title=\"旺季热度高+新产能加入 鲜活果汁-KY第3季营收18.3亿元登顶\">旺季热度高+新产能加入 鲜活果汁-KY第3季营收18.3亿元登顶</a></li>\n    <li><a href=\"/new/tw/article-12162.html\" title=\"非红供应链与欧盟CRA法规双重发酵 Moxa看好台厂边缘运算与工业网通迎红利\">非红供应链与欧盟CRA法规双重发酵 Moxa看好台厂边缘运算与工业网通迎红利</a></li>\n    <li><a href=\"/new/tw/article-7899.html\" title=\"高明铁H1业绩超越去年一整年下半年更佳 并取得800G/1.6T耦光对位订单\">高明铁H1业绩超越去年一整年下半年更佳 并取得800G/1.6T耦光对位订单</a></li>\n    <li><a href=\"/new/tw/article-8103.html\" title=\"台股千点重挫!下一波资金躲哪里?\">台股千点重挫!下一波资金躲哪里?</a></li>\n    <li><a href=\"/new/tw/article-16890.html\" title=\"【优分析即时新闻】台表科(6278)光通讯业务放量在即,1.6T时程提前,2027年营收挑战年增20%\">【优分析即时新闻】台表科(6278)光通讯业务放量在即,1.6T时程提前,2027年营收挑战年增20%</a></li>\n    <li><a href=\"/new/tw/article-5707.html\" title=\"营收速报  - 技嘉(2376)6月营收428.92亿元年增率高达68.55%\">营收速报  - 技嘉(2376)6月营收428.92亿元年增率高达68.55%</a></li>\n  </ul>\n</div>",
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