我國打房政策與成效之分析;An Analysis of Housing Market Control Policies and Their Effects in Taiwan

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Title:	我國打房政策與成效之分析;An Analysis of Housing Market Control Policies and Their Effects in Taiwan
Authors:	潘怡吟;PAN, YI-YIN
Contributors:	會計研究所企業資源規劃會計碩士在職專班
Keywords:	打房政策;房地合一稅;實價登錄;預售屋交易;信用管制
Date:	2025-06-05
Issue Date:	2025-10-17 12:22:35 (UTC+8)
Publisher:	國立中央大學
Abstract:	我國政府為調節房屋市場供需平衡，抑制房價不合理上漲，自2010年4月行政院通過健全房屋市場方案後，陸續推行多項針對需求與供給兩端的房市調控政策，試圖透過市場干預抑制房價快速上漲，並降低投機炒作行為。本研究利用內政部不動產資訊平台2010年第一季至2024年第三季之房市數據探討我國政府於不同時期推動之關鍵打房政策實施的成效。研究從租稅政策、法規與交易限制及信用管制三大面向切入，透過政策實施前後的數據比較與統計分析，檢視各項政策對房價與市場交易行為的影響。其衡量指標包括買賣契約價格平均單價（不分建物類別）、住宅買賣移轉筆數、房價所得比、貸款負擔率。研究結果顯示政府於不同時期實施的打房政策，短期內能有效降低市場成交量，減少投機炒作行為，但對房價上升趨勢的影響有限，無法達成長期抑制房價的效果，本研究建議政府在未來制定房市調控政策時，應採取更整體性且配套完善的策略，以避免政策執行後出現立意良好但成效有限的情況。 ;To regulate the equilibrium of demand and supply of housing and curb the abnormal hike of housing price in Taiwan, the government has implemented various policies on both sides of demand and supply of housing market since “The Real Estate Market Enhancement Program” was is speculation in April 2010. These regulatory policies were aimed to curb the rapid rise in housing prices and inhibit is speculation. This study investigate the effect of the crucial house market control polices implemented in different periods by the government using housing transaction data from the first quarter of 2010 through the third quarter of 2024 obtained from Ministry of the Interior Real Estate Information Platform. The investigation looks into three aspects of control measures：taxation policies; regulations on housing transactions; and credit controls. To examine the effect on housing price and market transaction behavior, this paper performs comparison and statistical analysis on different housing market indicators before and after implementation of the policies. These indicators include: average price of the sale contract price (irrespective of the use of building), numbers of transfers of residential dwellings, ratio of house price to income and mortgage affordability ratio. The investigation results reveal that these house market control polices implemented over the periods studied reduced housing market transactions and speculation in the short term. However, these policies had limited effect on the trend of rising house price and could not achieve the goal to inhibit the housing price in the long term. The study suggests that in the future, the government should adopt more integrative and comprehensive strategies to formulate housing market control policies in order to avoid well-intentioned ones with limited effects.
Appears in Collections:	[enterprise resource planning of Optics and Photonics] Electronic Thesis & Dissertation

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