
台灣房價快速上漲導致購屋負擔沉重,65歲以上高齡房貸族數顯著增加,2022年第二季單季新增達1950件,是2009年第一季的六倍,即使最新數據亦顯著上升,反映超高齡社會與退休延後趨勢下,銀行授信評估正面臨調整。
AI-generated summary
台灣房價持續上漲導致購屋負擔加重,即使是65歲以上的高齡族群也出現房貸需求增加的現象,反映出退休延後與資產結構變化的社會趨勢。
房價快速上漲、購屋負擔變相當沉重,甚至出現全國65歲以上的高齡房貸族變多的現象。(記者徐義平攝)
〔記者徐義平/台北報導〕房價快速上漲、購屋負擔變相當沉重,甚至出現全國65歲以上的高齡房貸族變多的現象,最多時,單季竟然新增將近2千件,假設房貸還款期限為20年,65歲房貸族如期繳清都已是85歲以上的超高齡長者,若是當前主流的30年期房貸,如期還清都快要是百歲,甚至貼近「人瑞」門檻。
高力國際不動產業主代表服務部董事黃舒衛表示,一般銀行辦理房貸業務時,會將借款人年齡與房貸年限納入授信評估,實務上常見則是將上述兩項加總至75至80歲作為風險控管參考,但實際年限仍視銀行授信政策內規、借款人收入與還款能力而定。
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根據聯徵中心統計資料,最早有統計數據的2009年第一季,全國65歲以上的新增房貸樣本數僅有278件,但到了2022年第二季則一舉衝高至1950件,足足多出6倍之多。即便最新發布數據、今年第二季新增樣本數有547件,仍較最早有統計的季度、多出近1倍。
信義房屋不動產企研室專案經理曾敬德表示,通常高齡長者貸款除要符合法規外,銀行也會評估放貸風險,倘若房貸成數不多、擔保品價值夠高、個人名下財產又很豐厚,評估還款能力後,銀行還是會意願借貸,只是貸款成數低且還款年限也會壓縮一些。
高齡者貸款成數低、還款年限被壓縮
進一步攤開2017年第二季至2026年第二季、近10年同季度、全國65歲以上的新增房貸樣本數,以2017年第二季最少、為477件,其它9個年度同期均超過500件,又以2022年第二季最多、有1950件,第二多則是2024年第二季、有939件,即便是最新發布的今年第二季、也有547件。
黃舒衛指出,台灣已邁入超高齡社會,而且退休年齡延後、高齡長者再就業及收入來源多元化逐漸普及,過去傳統以「薪資所得加上固定工作年限」評估房貸還款能力的模式也面臨調整。
他表示,目前除以房養老、信託等工具外,戰後嬰兒潮累積的龐大房地產與金融資產正逐步進入傳承階段,金融業如何重新設計授信、資產活化與財富傳承工具,將成為下一階段的新課題。
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AI outlook — possibilities, not facts
銀行將調整高齡房貸的授信政策,可能提高首付比例或縮短貸款年限
Likely · Within months

The U.S. 30-year fixed mortgage interest rate has risen to 7.40% for seven consecutive weeks, hitting a new high in the past three years, causing real estate transactions in Southern California to cool down. Buyers are giving up buying houses because of the increase in monthly payments, while sellers are unwilling to lower prices because of the high cost of replacing their homes. Both parties are on the sidelines. At the same time, some homeowners choose to renovate their original residences or add space to avoid taking on high-interest new mortgages. The housing market presents a deadlock in which buyers are bargaining for prices and sellers are reluctant to sell.
Nanjing, Suzhou and other places in Jiangsu Province have implemented new housing provident fund policies to support the withdrawal of decoration and property fees; Shenyang, Liaoning Province has issued nine optimization policies to include heating fees, etc. in the scope of withdrawal. Nanjing will implement new regulations on decoration withdrawals from September 20, 2026, with a maximum of 1,000 yuan per square meter and a maximum of 150,000 yuan for a household; Shenyang’s property fee withdrawal policy will be implemented on December 1, 2026, and the down payment withdrawal will become a long-term policy.

The Hsinchu County Government Taxation Bureau reminds landlords that the new housing tax 2.0 system, which enjoys preferential tax rates of 1.6% to 2.4% for renters, is not permanent. After the lease expires, no matter whether it is renewed or changed, you must reapply, otherwise the tax rate will revert to 2.6% to 4.8% for non-owner-occupied households, and the tax burden may double. It also provides three steps to save taxes and a contact number for peace of mind.

As of December last year, the number of mortgage loan applications nationwide for people over 65 years old exceeded 61,600, accounting for about 4.08%, setting an 18-year high since statistics were collected in 2009. The growth rate in the past ten years has been significant, from about 19,500 at the end of 2016 to 61,600, an increase of nearly 3.16 times. Experts point out that high-net-worth groups regard mortgage loans as a tool for asset allocation and wealth inheritance, but whether outstanding debts can be deducted from inheritance tax still needs to comply with tax laws and have solid proof.

The Taipei City Land Affairs Bureau announced that the number of buildings transferred through building transactions in September was 2,133, a year-on-year increase of 20.2%. Although transaction volume increased by 5.3% in the first nine months of this year compared with last year, it is still at the lowest level since 2017. Experts analyze that due to the high point of the stock market, most funds are retained in the stock market. Although the buying momentum in the housing market is stable, the growth momentum is limited.
Starting from October 1, the policy of discounting interest rates on home purchase loans for residents nationwide will be officially implemented. China Construction Bank responded proactively, clarifying service procedures, formulating interest discount confirmation letters, and improving system functions to achieve "enjoyment without application". During the National Day, branches in Sichuan, Zhejiang, Jiangsu, Guangdong, Anhui, Beijing and other places visited real estate properties and intermediary agencies to explain policies and issue the first batch of subsidized loans. Chengdu Shuangliu, Yibin, Nanchong and other places in Sichuan issued subsidized loans of 2.1 million yuan on the first day; Jiaxing, Huzhou and Shaoxing in Zhejiang issued the first batch of loans in the province; loans of 600,000 yuan were processed on-site at the Zhenjiang real estate exhibition in Jiangsu; Guangdong Provincial Branch handled more than 500 million yuan in discounted loans during the National Day; Hefei Hi-tech and other places in Anhui issued a total of 1.545 million yuan; Beijing customer Ms. Deng received proactive services and is expected to save 24,000 yuan in interest in five years. China Construction Bank will continue to optimize services and promote policy dividends to cover more households in urgent need.