An empirical study on the rationality of registering the actual selling housing price: A case of a branch of bank A

• Main Authors: HUANG,Tung-tsai, 黃棟材
• Other Authors: 李政峯
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/x66uv5

碩士 === 國立高雄應用科技大學 === 企業管理系碩士在職專班 === 103 === The government of the Republic of China promulgated the “actual real estate price registration” policy on August 1, 2012, to provide the public with more access to the wide variety of information regarding real estate purchase. This research aims to explore the price reasonableness under this policy. The samples include: 1. Bank A’s and Bank h’s appraisal data on the real estate in the districts where the banks are located; 2. the real estate price data provided by the Joint Credit Information Center and the real estate agencies in the neighborhood; and 3. the data on real estate prices in areas adjacent to the aforesaid districts. The samples were analyzed by the paired sample t-test to examine whether there is a significant difference between the price data and the prices registered. The results of an empirical research show that both the bank appraisal-based prices and the average value of prices derived from the banks and the Joint Credit Information Center are significantly lower than the prices registered. The prices on the part of the real estate agencies are higher than both the bank appraisal-based prices and the average value of prices derived from the banks and the Joint Credit Information Center, with the difference amounting to 5-10%. The above research results can serve as reference for the public in real estate purchases and mortgage applications. The registration data provided by the Ministry of the Interior, in addition to the consideration of personal financial circumstances, are expected to prevent construction companies, real estate agencies and investors from driving up prices since those who wish to purchase real estate will understand the prices of the real estate near their purchase targets. The research results will help to raise buyers’ awareness of the real estate market and lead to more transparent transactions, a key to maintaining a stable market. Relevant suggestions are also proposed in this research