
自2024年9月央行祭出第七波選擇性信用管制後,全台預售屋解約情況明顯升溫。根據房仲業者彙整,今年上半年全台預售屋解約件數達2189件、解約金額高達347.2億元,均寫下近3年同期最高。業者指出,中南部解約情況較北部嚴重,低首付預售建案成為解約潮第一排,部分買家寧願賠錢提前解約也不願面對交屋後的房貸申貸考驗。
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自2024年9月央行祭出第七波選擇性信用管制後,房貸排撥等待期拉長、實質申貸利率上升,導致預售屋買家解約意願增加。
自2024年9月、央行祭出第七波選擇性信用管制以後,全台預售屋解約情況明顯升溫。此為是意圖(記者徐義平攝)
〔記者徐義平/台北報導〕房貸排撥等待期又拉長、實質申貸利率又往上跳2至3碼,再加上房市前景仍未明,導致越來越多預售屋買家寧願提早解約賠錢也不願撐到交屋後再來一搏。根據房仲業者彙整,光是今年上半年全台預售屋解約金額就高達347.2億元、解約件數則有2189件,均寫下近3年同期最高。
永慶房產集團業務總經理葉凌棋指出,即便目前預售屋解約占比仍小,但自2024年9月、央行祭出第七波選擇性信用管制以後,全台預售屋解約情況明顯升溫。
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根據永慶房產集團彙整內政部實價預售屋解約揭露資訊,2024年上半年全台預售屋解約件數不到1千件、為906件,解約金額141.1億元,但隨著該年度9月央行祭出最嚴信用管制,全台預售屋解約情況更是逐步增加,到了今年上半年全台預售屋解約件數已達2189件、解約金額更高達347.2億元,相較2024年同期件數、金額,分別多出1.42倍、1.46倍。
房產業者指出、中、南部預售屋解約情況相較北部嚴重,尤其台南某個預售案在交屋前爆出逾百戶解約,甚至部分買家開出比實價登錄還要低的價格想要脫手,卻苦等不到人願意接盤。而且部分解約戶實情是買第二戶、甚至一次買多戶的情況,一旦進入交屋階段將立即面對房貸申貸考驗。
高力國際不動產業主代表服務部董事黃舒衛表示,目前房貸排撥仍需要時間消化,促使之前為搶市而推出低首付的預售建案則位居近年解約潮的第一排,尤其是低首付、工程零付款其實更加削弱化預售屋買家的履約能力及意願,部分已購民眾擔心房貸申貸條件不好,要準備更多資金才能完成交屋,寧願賠掉低首付已繳的款項也提前解約,導致本來預期的「交屋潮」反成無預警成為「退屋潮」。
低首付成預售屋解約第一排
馨傳不動產智庫執行長何世昌表示,預售市場能更快反映房市景氣,尤其陷入修正時,往往會出現預售解約潮與拋售潮,2015至2017年間,淡水、青埔等地甚至有全案退光光的慘況,但對比成交比率相比仍舊不高。
信義房屋不動產企研室專案經理曾敬德表示,在第七波管制前購買又買在比較偏遠的區域,可能價格上就會面臨周邊個案競爭,另外低自備的個案當道,也讓不想再繳納工程款的少數買方,思考繼續繳還是出場比較划算。
一手掌握經濟脈動 點我訂閱自由財經Youtube頻道
AI outlook — possibilities, not facts
若房貸申貸條件持續收緊,預售屋解約件數可能在下半年進一步增加
Possible · Within months

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