INTEREST RATES FALL, MANY LOOK AT PROPERTY, FEW BUY|房貸利率新低 連15個月下滑到1.669%

The central bank announced that the 5 major banks' new mortgage with a "weighted average interest rate", had declined for 15 consecutive months. The real estate industry says this reflects the housing market, and housing prices, are in a consolidation period. At present, because mortgage interest rates have continued to fall, more people are now looking at property Mr Liu is a lawyer and owns one property. Due to low interests rates he has decided to invest in a second property. ==MR LIU== Before I would just save money in the bank and I would have an opportunity to invest. But now I think the interest rate is low so I might as well use it to get a mortgage from the bank and buy property. In September the five major banks new mortgage rate was lowered by 0.015 percent to 1.669 percent. The lowest rate since 1997. The real estate industry says that this has lead to a rise in the number of people looking at property. Among those looking 60 percent are owner-occupiers and and 30 percent are investors. Despite the fact that many are looking as the future of property values are still somewhat unclear many of those looking still have a wait and see attitude. ==MR. FENG== Low interest rates are less pressure for owners occupiers. But I think the most important thing is the location and price per ping, the overall are price and price per ping are things to look at. ==ZENG JING-DE real estate agent== Interest rates have remained stable for some time now, so after these recent lowering of interest rates, although it is a positive thing for the housing market but in fact what the public are watching is housing policy and house values. The real estate industry says any trend in property values is affected by government policy, in times of low interest rates house prices stabilise. Although there is a lot of property on the market and a lot of people looking, actual sales don't reflect this. TRANSLATED BY：CLARE LEAR 央行公布，最新5大行庫，新承作 房貸 「加權 平均 利率」，出現 連續15個月 下滑。房仲業者分析，這反映 房市景氣 和房價，進入「盤整期」。目前，因為「房貸 利率」持續走跌，因此看屋人潮，也變多了。 從事法務工作的劉先生，名下已經有不動產，因為看著房貸利率持續下滑，於是積極看屋，決定要貸款買進第二間房來當做長期投資 ==民眾 劉先生== 以前可能想說(存款)放在銀行 反正我有機會再拿來投資 但現在我會覺得說 現在的狀況已經越來越低了 既然是越來越低 那為什麼我不拿來跟銀行借款 借款來買房子 9月五大行庫新增房貸利率再降0.015個百分點，來到1.669%，創下1997年統計以來，最長下滑紀錄。代銷業者表示，最近看屋的人確實變多，接待中心裡，幾乎每桌都坐滿，看屋族群中，自住客大約占六成，置產投資大約三成，儘管看屋熱絡，畢竟房價未來走勢不明確，許多民眾還是持觀望態度。 ==民眾 馮先生== 利率低對我們自住的壓力 一定比較小 但是我想最主要買 還是會看地段 還有實際每一坪的單價 我想總價或單價才是重點 ==房仲業者 曾敬德== 低利環境已經維持了好一陣子了 所以原則上經歷這幾次降息 雖然說對房市是比較正面的事情 但是實際上 現階段民眾會關注的 其實還是政策跟房價的走向 業者分析，房價未來走勢還是要看政府政策，低利時代來臨，房市也呈現盤整，傳統房市的928檔期，目前雖然推案多，觀望氣氛濃厚，成交量不如預期 記者 綜合報導