Central Bank Considers New Mortgage Restrictions 房價上漲熱區 央行擬祭第2戶限貸令

Central Bank Governor Yang Chin-long hinted that it is not ruled out mortgage restrictions on second homes would be implemented to combat rising house prices, leading to dissatisfaction among real estate developers.

Secretary-General, Federation of the Real Estate Dev. Associations of ROC: “There is also a shortage of labor and materials. Land prices are also rising. Implementing a policy of mortgage restrictions on second homes in hot areas will cause some losses.”

Associations took the lead to oppose mortgage restrictions on second homes in the hot housing markets. The Federation says it was too targeted and might hurt innocent people. They believe it will affect the real estate market. Real estate experts say that the Central Bank has been ineffective at cooling real estate speculation and has no more tricks up its sleeves.

He Shih-chang, R&D Director, My Housing Magazine: “The government is really running out of measures to cool the housing market. Most of its means are to suppress demand. You've been trying to suppress housing prices all this time and it's still no use in the end. So people will lose confidence in the government.”

According to data on the number of homes sold and transferred in the six special municipalities, Taoyuan City's Taoyuan District ranked first in 2021, with more than 11,600 transactions. Next is Taichung's Beitun District, with more than 9,000 transactions. It is closely followed by Taoyuan's Zhongli District, with more than 8,300 transactions. Additionally, New Taipei City's Banqiao, Zhonghe, Tamsui, Xinzhuang Districts, Kaohsiung's Sanmin District, Taichung's Xitun District, and Taoyuan's Guishan District are all among Taiwan's top ten real estate hotspots.

Hsu Chia-shin, Manager, Planning and Research Office, H&B Real Estate: “They may have further measures on some cheap areas such as Changhua, Chiayi, Pingtung, or the East Coast, where prices were artificially bid up in the past.”

Civic groups calling for housing justice support mortgage restrictions on second homes in hot real estate areas. They say the government should strengthen its efforts to rein in real estate speculation rather than just talking without actual action.

Peng Yang-kai, Secretary-General, OURs: “It is effective if the real estate industry is jumping out to oppose it. This should hit the sore spot. We support the Central Bank in this policy and I think they need to hurry up.”

The Central Bank launched its fourth wave to combat real estate speculation in December 2021 with four major points. This included the purchase of luxury houses by individuals and reducing the maximum loan to house value to 40 percent on mortgages for third and above homes. The Central Bank's Board of Supervisors next week will review the effectiveness of previous policies. Mortgage restrictions on second homes can also be put forward for discussion.

針對房價上漲熱區實施第二戶限貸令的構想，不動產全國聯合會率先跳出來反對，認為針對性太強，而且可能傷及無辜，恐影響房市。

不動產全國聯合會秘書長于俊明表示:「工料也在缺，土地也是在上漲，做到熱區第二戶限貸的金融限制的話，這都會造成一些多輸的現象。」

不過房產專家認為，這代表央行打炒房成效不彰，已「沒招」了，才祭出房市熱區第二戶限貸令。

住展雜誌研發長何世昌直言:「政府目前壓抑房市的手段，確實真的是快用完了，大部分做的手段都是在抑制需求，你一直打結果最後一直都沒有用，所以人民會對政府喪失信心。」

根據六都各地政局建物買賣移轉棟數資料，去年十大房市熱區，以桃園市桃園區交易最熱絡，超過1萬1600件。其次是台中市北屯區超過9000件。緊追在後的是桃園市中壢區，不動產買賣移轉也超過8300件。另外，新北市板橋區、中和區、淡水區、新莊區，以及高雄市三民區、台中市西屯區，桃園市龜山區，都擠進全台不動產前十大交易熱區。

住商不動產企研室經理徐佳馨表示:「一些低價的區塊譬如說像是彰化、嘉義、屏東，抑或者花東這些過去炒作相對比較大的一個區塊，它可能會有進一步的一個措施。」

居住正義公民團體則支持房市熱區第二戶限貸令，認為政府打炒房力道應該加強，不要雷聲大雨點小。

OURs都市改革組織秘書長彭揚凱認為:「業者跳出來就是有效，一定是打到痛處，支持央行要做這個事情，而且我覺得要趕快做。」

去年十二月，央行理監事會，祭出第四波打炒房，提出四大管制，包括自然人購置豪宅及第三戶以上，購屋貸款最高成數一律降為四成。央行下週理監事會，將檢視執行成效，針對特定地區第二戶限貸令，不排除納入討論。