Homes under contract spent an average of 54 days on the market, the longest since March 2020, and a week longer than a year ago. In January 2022, homes typically sold in just 35 days during the homebuying boom.
The Fed held interest rates as expected, at 4.25% to 4.5%, with the open question of how long this pause would continue. As economic data and the Fed respond to the new administration’s policy announcements, the mortgage market may experience continued volatility.
Mortgage rates roughly remained flat over the week despite significant volatility in the stock market and a decline in treasury yields. The catalyst for this market turbulence was a series of tariff announcement flip-flops. Mortgage rates barely followed treasury yields, so elevated rates continue to strain affordability for homebuyers.
113 年第 3 季全國房貸負擔率為 46.80%，房價負擔能力維持為偏低等級，房貸負擔率 較上(113 年 2 季)季上升 0.78 個百分點，較 112 年同季上升 4.55 個百分點；而房價所得比 本(113 年第 3 季)季為 10.82 倍。 綜觀六都，新北市、臺北市、臺中市為房價負擔能力為過低等級，桃園市、臺南市、 高雄市為房價負擔能力為偏低等級。
房屋稅2.0新制將於114年5月房屋稅開徵時首次適用，其中自住用優惠稅率增訂「本人、配偶或直系親屬辦竣戶籍登記」的規定，且要在114年3月24日前（原為3月22日，適逢假日展延）完成，於前述期限內辦竣戶籍登記者，財稅局將依戶政資料逕行核定續按自住房屋稅率課徵房屋稅，納稅義務人無須申報。
領先指標不含趨勢指數較上月下滑 0.76%。7 個構成項目經去除長期趨勢後，5 項較上月下滑，分別為：外銷訂單動向指數、建築物開工樓地板面積、製造業營業氣候測驗點、股價指數、實質貨幣總計數 M1B。
受到年底公共工程趕工潮，加上半導體建廠與綠能建設需求，有助於營造業者看好當月與未來半年景氣表現，而不動產業因農曆年前購屋需求及交屋潮、部分賣方略微讓利獲得成交的影響，本月景氣未再進一步下探，未來半年則受到資金控管與高房價基期將使房市景氣趨緩。
