房市急凍 退屋率升

[SLD]

http://www.libertytimes.com.tw/2008/new ... -fo3-3.htm

房市急凍 退屋率升

〔記者林美芬、林耀文／台北報導〕近來房市交易低迷，根據業者分析，最大的癥結點在銀行房貸退件比例高、核貸成數下降，還有購屋者擔心未來可能遭到裁員，簽約後退屋，使得退屋率攀升。目前市場上，首購大樓產品面臨貸款成數不足問題，豪宅大樓則有頂級客購屋信心不振壓力，統統呈現看屋門可羅雀的窘況。

自今年五月中旬後，整個房市進入急凍狀態，引發業者嚴重焦慮，根據內政部建築研究所、國泰房價指數、信義房價指數等多家研究單位發布的數據都顯示，房市交易量從五月後就進入逐月下滑的趨勢，且迄無明確止跌跡象。

根據國泰房價指數調查，今年第三季的市場交易量比起前一季驟減三十九．三％，其中台北市少了四十七．八五％，台中更暴跌七十三．四二％。議價空間放大到歷史新高，房價也見鬆動。

高雄房市下半年去化也呈現急凍現象，從上半年每月平均五、六百戶，十月份成交戶數已低於三百戶，成交量縮減已達五成。

根據來自第一線業者的反映，最近的市況低迷，也造就一些務實性買盤進場，位於市郊的低總價個案交易，在建商願意放大議價空間下，來人量還不錯，交易也持續樂觀，但是，退屋率同步攀升。

發生退屋的情況，根據業者市調結果，有三項主因：一是銀行在核貸徵信上明顯趨嚴，對於還款可能有問題者採嚴苛標準，寧願退件，也不願輕易核貸，導致退件率高。二是銀行核貸成數下降，過去預售屋或新成屋一般可貸七到八成；但是，近來已下降為五到六成，自備款提高導致購屋門檻加高。三是部分民眾憂慮裁員問題，不敢下手購屋，或簽約後，再回頭退屋；也有購屋後卻遭裁員，只好退屋以為應對的案例。

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