| Summary: | 碩士 === 東吳大學 === 國際經營與貿易學系 === 102 === Since real estate price soared irrationally for a while, Taiwanese Government conducted a series of mortgage control measures to drive the real estate price down by asking financial institutions to tighten their lending processes from 2010. In addition, the Government also curbed the real estate speculation by imposing a Luxury Tax from June of 2011 which the public anticipated the real estate price would be down to normal and the citizens in Taiwan would have the ability to buy their own property. However, the price did not fall as expectations after one year the tax plan been imposed. The trading volume, on the other hand, weakened which impacted the real estate agents seriously. Generally speaking, to have a sound real estate market can be done not only by curbing real-estate speculation but also by improving the system fundamentally.
Unlike other studies focusing on the issue of price after Luxury Tax had been imposed, this research concentrates on the quality of real estate transactions after the implementation of Actual Selling Price Property Value Reporting which is regarded as the most important measure for making real estate market healthy. Real estate transactions which have closed relationship with banks’ mortgage business trade actively recently and make banks hold too much risk weighted assets. If the implementation of Actual Selling Price Property Value Reporting could decrease the banks’ risk efficiently, it is believed that the quality of real estate transactions would be improved and the real estate market would be more healthy and sound.
The main method employs in this research is case study and uses to survey whether the specific bank’s risk decreases and the mortgage quality increases after Actual Selling Price Property Value Reporting had been implemented through examining the mortgage volume and classification movement.
The result suggests that the specific bank’s business scope of mortgage expands and self-used to non self-used mortgage clients ratio increases after the aforementioned measure been implemented which means the public’s confidence in purchasing property has been raised and the quality of transactions has been improved. Thus, people without having their own properties are more willing to have one and the specific bank’s business in mortgage expands with high and sound quality.
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