中央銀行今 (19) 日召開第三季理監事會議，維持政策利率不變，重貼現率、擔保放款融通利率和短期融通利率分別為 2%、2.375% 和 4.25%，符合市場多數預期，也並未再調升新台幣存款準備率、未再進一步推出打房措施。

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中央銀行12/19舉行第4季理監事會，未對房市提出新管制措施。房仲業者分析，央行未推出第8波管控措施，是肯定第7波選擇性信用管制對房市產生的效果；但目前央行對房市仍是「留校察看」，後續房市表現，還要觀察明年329檔期是否回溫。

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感謝聯合新聞網刊登

作者：陳明吉為國立政治大學財務管理學系教授、黃瓊瑩為國立政治大學商學院信義不動產研究發展中心研究員

高房價後果 邁向均貧社會

根據主計總處公布的「一一一年國富統計報告」，前廿％家庭平均財富五一三三萬元，後廿％家庭平均財富僅七十七萬元，不僅貧富懸殊，而中產階級家庭分位組之家庭總財富占比，也從八十年十五點○二％降低至十一點○七％。在過去台灣經濟起飛下的社經結構中，中產階級扮演著舉足輕重的角色，他們不僅是消費市場的主要支柱，也是社會穩定和經濟發展的中堅力量。然而，隨著房價不斷飆升，多數家庭沒有因為房價推升而富有，反而社會貧富差距日益擴大，中產階級面臨著前所未有的挑戰。

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This week, the Federal Reserve reduced its key interest rate by a quarter percentage point, marking the third consecutive cut and signaling a cautious outlook for future reductions. As widely expected by markets, the Federal Open Market Committee (FOMC) lowered the overnight borrowing rate to a target range of 4.25%-4.5%. This brings the rate back to its December 2022 level when it was on an upward trajectory.

Builder sentiment remained consistent at the close of 2024, as elevated home prices and mortgage rates balanced builders' optimism about a potential improvement in the regulatory business environment by 2025. 

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"Key factors driving the top-performing markets in 2025 include affordable inventory, improved chances of unlocking low mortgage rates, higher income growth among young adults, and positive net migration into specific metro areas."

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A forecast fall in lending to landlords could squeeze the number of homes available to rent next year. Mortgage lenders' trade body UK Finance said the outlook was "challenging" for the buy-to-let sector in 2025 owing to extra taxes facing landlords.

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