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【中央社】央行房市管制決策現場 張建一:總裁對建商投資客炒房很著急

中央銀行19日理監事會決議重拳打炒房,被稱為史上最重管制措施,央行理事、台經院院長張建一今天還原會議實況,直言央行提供多項房市資料及數據,「大家看了直搖頭」,發現土建融授信過度集中在1、2家建商,且建商、投機客有點像是集體炒房,「央行不得不重視」。張建一指出,房價不是不能漲,國家經濟好的時候,不動產自然會上漲,但從各項房市資料、數據來看,當天理事真的是看了直搖頭,除了先前提過的不動產放款集中度、房貸餘額過高,信用資源過度傾斜不動產,央行從聯徵中心、各銀行的放款授信交叉比對後,也發現很多購屋族「非自住比重很高」。

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【BBC】Mortgages at six times' income for first-time buyers

Mortgage lenders' attempts to lure in first-time buyers have stepped up with the UK's biggest building society allowing some to borrow more. The Nationwide said that from Tuesday, new borrowers could request a mortgage up to six times their income with a 5% deposit. But it would only be available for those taking out a five or 10-year fixed-rate deal.

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【CNBC】It’s not a great fall housing market, but this is ‘as good as it gets,’ economist says

  • Lower mortgage rates make monthly mortgage payments more affordable. In some places, cheaper than rent, per a Zillow analysis.
  • While housing overall continues to be expensive and unaffordable for most buyers, “this is as good as it gets,” said Orphe Divounguy, senior economist at Zillow.
  • Here’s what other experts say.

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【台灣經濟研究院】113年9月景氣動向調查

營建業方面,儘管政府公共工程持續推進,科技業者積極購置廠房改建,但住宅房屋建築需求趨緩,加上預拌混凝土價格持續上漲、缺工問題未解,令8月營造業景氣持平;儘管營建成本仍高,然政府擴大再生能源和基礎建設投入,加上通過重大公共建設計畫,預計未來半年營造業前景樂觀。近期各行庫不動產授信水位限縮,加上民俗月干擾,導致房屋過戶登記放緩,房市觀望氣氛濃厚;展望未來,央行打炒房出手力道較重,資金緊俏成為影響未來房市走向的主要因素。

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【CBRE】Prestige Residential Valuer Insights Q3 2024

For Q3 2024, our Valuers report:

  • Demand has been moderate/strong: 5x as many Valuers see ‘strong’ to ‘very strong’ demand compared to ‘soft’ or ‘very limited’ in the luxury market. 51% of Valuers reported ‘moderate’ demand. 
  • Demand by property type: Valuers see demand as being the strongest for houses valued up to $10 million and houses valued between $10-$20 million. Softer conditions prevail for vacant land.

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