The effects of the youth comfortable-housing-purchasing program on the housing-loan-burden in Taipei city

• Main Authors: HSU,HSIU-MING, 許修銘
• Other Authors: LIU,SHOU-HSIANG
• Format: Others
• Language: zh-TW
• Published: 2017
• Online Access: http://ndltd.ncl.edu.tw/handle/38054849541996422847

碩士 === 銘傳大學 === 風險管理與保險學系碩士在職專班 === 105 === The ministry of Finance had launched “the youth comfortable-housing-purchasing program” in 2010. It was provided by eight public owned Banks, included the bank of Taiwan. On October 2016, the applicants were around 227,000, total outstanding loans were NT$824.4 billion. There were two kinds of interest rate plans, (1) the mixed interest rates plan, (2) the adjustable interest rates plan. And its interests rate was based on the Chunghwa Post two-year time deposits. The results are: (1) Although “the youth comfortable-housing-purchasing program” is better than nothing. But the benefits of the housing-loan-burden are slightly. It would be very difficult to see the commitments of the government to help the youth generations. (2) The real helpful program should increase the supply of houses, provided more affordable house for the youth. If the supply of the houses cannot increase, even the government raises the tax burden on the house owners, the housing-loan-burden could not reduce to an affordable level, the living standard of the youth could not improve.