Breaking
UKFive men arrested near RAF Fairford on terrorism suspicion released on bailUKTennessee Governor Denies Clemency for Death Row Inmate Christa PikeCNThe 8th China-ASEAN Audiovisual Week will open on October 19 in Beihai, GuangxiCNShanghai Economic Development Report: The integration of culture, business, tourism and sports exhibitions promotes the construction of an international consumption center cityCNAI technology distillation has become the focus of geopolitical disputes between China and the United StatesCNGong Lijiao went to campus to share the story of winning Olympic gold and took championship physical education classesCNAsia Perfume Exhibition held in Paris with more than 40 Asian brands participatingDERhineland-Palatinate is introducing financial software for class fees in schools across the boardCN2026 "New Creation of All Things - Chinese Intangible Cultural Heritage and Contemporary Design Exhibition" ended at Somerset House in LondonCNThe TV series "The Great Long March" will be broadcast soon, using 8.2K film-level photography technologyUKFive men arrested near RAF Fairford on terrorism suspicion released on bailUKTennessee Governor Denies Clemency for Death Row Inmate Christa PikeCNThe 8th China-ASEAN Audiovisual Week will open on October 19 in Beihai, GuangxiCNShanghai Economic Development Report: The integration of culture, business, tourism and sports exhibitions promotes the construction of an international consumption center cityCNAI technology distillation has become the focus of geopolitical disputes between China and the United StatesCNGong Lijiao went to campus to share the story of winning Olympic gold and took championship physical education classesCNAsia Perfume Exhibition held in Paris with more than 40 Asian brands participatingDERhineland-Palatinate is introducing financial software for class fees in schools across the boardCN2026 "New Creation of All Things - Chinese Intangible Cultural Heritage and Contemporary Design Exhibition" ended at Somerset House in LondonCNThe TV series "The Great Long March" will be broadcast soon, using 8.2K film-level photography technology
Newsgather
All StoriesWorldSportsFinanceTechScienceHealthCultureClimatePoliticsSpace
Back全國新增房貸平均期數達322期創歷史新高 新竹縣市期數更長
全國新增房貸平均期數達322期創歷史新高 新竹縣市期數更長
Developing
自由时报1 hour agoBusiness2 min readChinaView translation

全國新增房貸平均期數達322期創歷史新高 新竹縣市期數更長

房貸平均期數新竹縣

Quick Look

根據內政部不動產資訊平台最新發布，第一季全國新增房貸平均期數為322期（約26.83年），再度寫下史上最長紀錄。台北市、桃園市、台南市及新竹市寫下2008年第一季有統計以來新高，其中新竹縣市期數分別達341期、343期，顯著高於全國平均。房貸期數拉長主要受房價居高不下、青安2.0釋出40年房貸及存股賺利差民眾增加影響，但實際清償時間平均約十餘年。專家指出，雖然延長期數可降低月供負擔，但利率上升後總利息成本顯著增加，房貸族整體還款負擔持續加重。

AI-generated summary

Why It Matters

房價居高不下導致民眾透過延長房貸還款期限來降低月供負擔，但利率上升後總利息成本增加。青安2.0政策釋出40年房貸選項，進一步推高平均期數。實際清償時間平均約十餘年，顯示許多房貸族選擇提前清償或透過換屋轉移負擔。

Font size

第一季全國新增房貸平均期數為322期（約26.83年），再度寫下史上背最久的紀錄。（記者徐義平攝）

〔記者徐義平／台北報導〕銀行自主房貸利率衝高、又碰上房貸期數拉長，房貸族負擔越來越沉重。根據內政部不動產資訊平台最新發布，第一季全國新增房貸平均期數為322期（約26.83年），再度寫下史上背最久的紀錄。

信義房屋不動產企研室專案經理曾敬德表示，房價上漲後，民眾透過拉長房貸還款期限來降低還款負擔，雖然總利息比較多，但每月負擔較低，低利時代這樣做法負擔較輕，但利率上漲後，資金成本代價高出許多。

請繼續往下閱讀...

房產業者指出，根據內政部最新統計，去年全國離婚對數計有5.2萬對，其中逾半數婚齡未達9年，對比人的一生，除工作年限外，對於房貸族來說，房貸幾乎可說是伴隨最久，甚至比部分民眾的婚齡還要久。

新竹房貸還款期限最長

進一步觀察六都、新竹縣市新增房貸期數統計，其中台北市、桃園市、台南市以及新竹市均寫下2008年第一季有統計以來新高，對比全國最久的平均還款期數322期，七大都會區中，僅有台北市的315期、低於全國平均，反觀新竹縣、市均超過340期，分別為341、343期，相較全國平均多出19期（約1.58年）、21期（約1.75年）。

馨傳不動產智庫執行長何世昌指出，因房價居高不下、青安2.0以後釋出40年房貸影響，以及存股賺利差的民眾增多，諸多因素使房貸期限越來越久。不過，借得久不代表會還更久，國人房貸清償平均時間約在十餘年，可能是存夠錢便提早清償，抑或是將換屋後將原房子賣掉、買方代位清償所致。展望第四季，央行升息已難以避免，再加上銀行大多調高房貸利率，房貸族總還款負擔會持續加重。

高力國際不動產業主代表服務部董事黃舒衛表示，與上世紀動輒雙位數的利率相比，現在的借款人已經失去急著還款的壓力，還款期數就像一般消費貸款一樣，是衡量收入與債務比之後的妥協結果，唯獨屋齡偏老的台北市，因為房價高、購屋者進場年齡晚，所以最缺乏運用調整期數來減負的條件，因此人口外流的現象越趨明顯。相對來說，沉重的經濟、生活壓力往往導致就是不婚不生、晚婚晚生的原因之一，所以政府大推各類婚育補貼政策也是其來有自。

一手掌握經濟脈動 點我訂閱自由財經Youtube頻道

What to Watch

AI outlook — possibilities, not facts

  • 第四季央行升息將使房貸族總還款負擔持續加重

    Very likely · Within months

Open Questions

  • 未來利率走勢將如何影響房貸族還款意願？
  • 延長房貸期數是否會導致更多家庭陷入長期債務陷阱？
  • 政府是否會調整房貸政策以平衡住房可負擔性與金融穩定？

Related Topics

房貸
People曾敬德何世昌黃舒衛
Organizations內政部不動產資訊平台信義房屋不動產企研室馨傳不動產智庫高力國際不動產
Places台灣台北市桃園市台南市
Topics平均期數新竹縣新竹市台北市桃園市台南市
This article was originally published by 自由时报.

Related Stories

Asia Perfume Exhibition held in Paris with more than 40 Asian brands participating
Developing·

Asia Perfume Exhibition held in Paris with more than 40 Asian brands participating

The Asia Perfume Show was held in Paris from September 23 to 25, and was co-organized by Odor Shanghai and the French olfactory culture organization NEZ. The exhibition brings together more than 40 perfume brands from China, South Korea, Thailand, Vietnam and other Asian countries and regions, attracting nearly 3,000 visitors. During the exhibition period, professional visitor days, public open days, forums and pop-up activities were held, and a cooperation signing between Smell Shanghai and the International Fragrance Archives was promoted.

中国新闻网
2 min read
Sichuan promotes the integration of culture and tourism + various industries to expand new space for industrial development
Developing·

Sichuan promotes the integration of culture and tourism + various industries to expand new space for industrial development

The 2026 Sichuan Provincial Culture and Tourism Development Conference was held in Chengdu. Sichuan released new plans for the development of the cultural tourism industry and 334 key investment projects with a total investment of 181.206 billion yuan to promote the in-depth integration of culture and tourism, expand new space for industrial development, focus on new tracks such as digital culture, health and wellness vacations, rural tourism, and study tourism, and optimize inbound tourism service guarantees.

中国新闻网
4 min read
Chongqing’s nightlife season boosts consumption of over 6.23 billion yuan, holds more than 300 events and attracts over 200 million people
Developing·

Chongqing’s nightlife season boosts consumption of over 6.23 billion yuan, holds more than 300 events and attracts over 200 million people

The 2026·Sleepless Chongqing Life Season event has concluded. The city has held more than 300 consumption promotion activities, with tens of thousands of merchants participating, attracting more than 200 million people to participate in online and offline consumption experiences, and driving consumption at the event site and surrounding areas to exceed 6.23 billion yuan. Chongqing has ranked first among the "Top Ten Most Influential Cities in the Nighttime Economy in China" for four consecutive years, and the nighttime economy has become an important support for cultivating an international consumer center city. During the event, platforms such as Douyin, Didi, Taobao Flash Sale, and Alipay were linked to issue subsidies and discounts. The Chongqing Housing and Urban-Rural Development Committee introduced that 166 urban area renewal projects have been implemented since 2025, with an investment of 70.22 billion yuan completed, and social capital investment accounted for 63%. The Chongqing Business Value Opportunities List Manual was released, and 18 key urban renewal projects were selected for centralized promotion. The urban renewal resource docking platform has integrated 27,236 idle resources, etc., resulting in 55 contracted projects with a total investment of 52.5 billion yuan. Chongqing plans to renovate 1,800 old communities by 2027 and build 300 "15-minute high-quality life service circles" by 2030.

中国新闻网
2 min read
Gold prices fall to more than 7-week low due to Iran conflict
Developing·

Gold prices fall to more than 7-week low due to Iran conflict

Affected by the conflict between the United States and Iran, which pushed up oil prices and raised concerns about inflation, spot gold fell 3.3% to $4,146.51 an ounce on Monday, hitting a new low in more than seven weeks. A stronger U.S. dollar, rising U.S. bond yields and higher interest rates have weakened gold's appeal, and silver, platinum and palladium have also fallen simultaneously.

自由时报
1 min read
The top 11 “theft kings” in supermarkets are exposed! Cheese and coffee are both on the list, but the number one spot is actually packaged meat.
Business·

The top 11 “theft kings” in supermarkets are exposed! Cheese and coffee are both on the list, but the number one spot is actually packaged meat.

The US "The Takeout" reported that among the 11 most commonly stolen commodities in supermarkets, packaged meats (such as rib-eye steaks, bacon, and ground meat) ranked first because of their high price, small size, and resale value; followed by non-alcoholic beverages, cheese, razor blades, fresh fruits and vegetables, alcohol, personal cleaning products, baby milk powder, over-the-counter drugs, cosmetics, and coffee. Retailers are trying to use protective nets, safety boxes, AI monitoring, and locked displays to deal with these problems.

自由时报
2 min read
HKEx launches photo exhibition of Exchange Square’s 40-year development history
Business·

HKEx launches photo exhibition of Exchange Square’s 40-year development history

Hong Kong Exchanges and Clearing Limited launched the "Exchange Square: Trading Scene Over Forty Years" photo exhibition at Exchange Square in Central, Hong Kong, to review the 40 years of development of Hong Kong's capital market. The launch ceremony of the exhibition was attended by Hong Kong Stock Exchange Chairman Tong Ka-shing and Chief Executive Officer Chan Yee-ting, as well as the Acting Financial Secretary of the SAR Government, Mr Wong Wai-lun, and other guests. The exhibition lasts for four weeks and displays precious photos, historical images and cultural relics through five themed exhibition areas, introducing the exchange's journey from the trading floor era to the global Internet market.

中国新闻网
2 min read
More on this topic房貸