Breaking
CNU.S. stocks fell on Monday, Asian stocks opened under pressure, Nikkei turned red and South Korea index rose slightlyUSJensen Huang Answers Trump Call on Unreleased Apple Foldable at All-In ConferenceFRThe 2024 Emmy Awards: Widow's Bay and The Pitt at the top of the favoritesDESerious motorcycle accident in a motorcycle accident in LindenfelsCNWithin three days of Hante’s public subscription, frozen funds exceeded 860 billion yuan, setting a new record in historyCNThe Legislative Yuan delayed sending a letter to the third reading of the general budget, resulting in 3.9 million people unable to receive benefits.CNThe 3rd Shanghai International Light and Shadow Festival will open, with the main venue Yanzhong Green Space transformed into a forest of light and shadowCNThe pre-sale house loan failed, and the court decided to reduce the liquidated damages to 10%, triggering discussion on contract protection.CNPaul Chan: The size of Hong Kong’s silver economy will increase from HK$340 billion to nearly HK$500 billionINTLNewsom Says He Won't Run Against Harris in Democratic PrimaryCNU.S. stocks fell on Monday, Asian stocks opened under pressure, Nikkei turned red and South Korea index rose slightlyUSJensen Huang Answers Trump Call on Unreleased Apple Foldable at All-In ConferenceFRThe 2024 Emmy Awards: Widow's Bay and The Pitt at the top of the favoritesDESerious motorcycle accident in a motorcycle accident in LindenfelsCNWithin three days of Hante’s public subscription, frozen funds exceeded 860 billion yuan, setting a new record in historyCNThe Legislative Yuan delayed sending a letter to the third reading of the general budget, resulting in 3.9 million people unable to receive benefits.CNThe 3rd Shanghai International Light and Shadow Festival will open, with the main venue Yanzhong Green Space transformed into a forest of light and shadowCNThe pre-sale house loan failed, and the court decided to reduce the liquidated damages to 10%, triggering discussion on contract protection.CNPaul Chan: The size of Hong Kong’s silver economy will increase from HK$340 billion to nearly HK$500 billionINTLNewsom Says He Won't Run Against Harris in Democratic Primary
Newsgather
All StoriesWorldSportsFinanceTechScienceHealthCultureClimatePoliticsSpace
Back房貸限縮衝擊法拍市場 連8季單季拍定總額未達70億元
房貸限縮衝擊法拍市場 連8季單季拍定總額未達70億元
Developing
自由时报2 hours agoBusiness2 min readChinaView translation

房貸限縮衝擊法拍市場 連8季單季拍定總額未達70億元

房貸違約率法拍市場房貸限縮

Quick Look

受房貸限縮政策影響，法拍市場持續低迷，2025年第三季全國房地拍定總額僅35.42億元，創2009年以來新低；自2021年第四季至2026年第二季，連19季單季拍定總額未達100億元，其中近8季未達70億元，顯示民眾投標意願下滑與資金籌備困難是主因。

AI-generated summary

Why It Matters

房貸限縮政策近年趨嚴，特別是2025年第三季為房貸申請最嚴峻時期，金管會其後於去年9月發布青安2.0方案，將部分貸款排除在銀行法第72-2條限額之外，以紓解房貸塞車。

Font size

近年房貸違約率低，本來進入法拍的物件就少。（記者徐義平攝）

〔記者徐義平／台北報導〕向來被視為房市反指標的法拍市場，其實也深受房貸限縮政策衝擊，尤其2025年第三季房貸最嚴峻時間點，單季全國房地拍定總金額僅35.42億元，寫下2009年第一季發布統計以來新低，且自2021年第四季起，截至今年第二季，長達19季的單季拍定總額不到100億元。

信義房屋不動產企研室專案經理曾敬德表示，近年房貸違約率低，本來進入法拍的物件就少，另外，法拍產品拍定後不像購置住宅有過戶申請房貸的時間，短時間內金額需要全部到位，因此做法拍代墊的銀行就不多，後面又遇到市場資金吃緊，也會讓參與的民眾資金調度的難度增加許多。

請繼續往下閱讀...

根據內政部不動產資訊平台最新發布，第二季全國房地拍定總額約54.08億元，季減約19.67%、單季減少約13.24億元，不過，對比去年同期，年增幅則超過3成、約31.98%，房產業者指出，2025年可說是申請房貸最嚴峻的一年，直到去年9月1日，金管會發布青安2.0排除在「銀行法」第72-2條限額之外，才稍微紓解房貸塞車之苦。

攤開全國法拍房地拍定總額有統計以來的紀錄，單季拍定總額最高時間點落在2009年第三季、高達240.58億元，而前一年正好受到金融海嘯衝擊。但若細看2017年第二季至2026年第二季的10年期間，只有少數季度單季總額突破100億元，包括2019年第一季、2021年第三季。反觀2024年第三季至2026年第二季，連續8季的單季房地拍定總額不到70億元。

連8季 單季法拍總額不到70億元

馨傳不動產智庫執行長何世昌指出，法拍市場的拍定總額創低，除與房貸違約率不高，流入法拍市場的好貨量有限外，在房貸不易取得、法拍價格與市價差落收斂，以及對房市景氣看法偏向保守，諸多原因使得民眾投標意願下滑。

高力國際不動產業主代表服務部董事黃舒衛表示，法拍屋拍定金額雖然是房市景氣觀察指標之一，但拍賣公告後還要視點交條件、物件價格，才有機會拍定，所以無論是從程序時間、市況環境或承受意願來看，即便房市經歷兩年的低迷，但如果中間還有轉貸、轉售的機會，法拍市場的節奏很難緊跟市場變化，尤其目前市場供過於求，如果法拍價格缺乏進場誘因，重估減價壓力一樣不小。

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

  • 若金管會維持寬鬆房貸政策，法拍市場單季拍定總額有望在未來兩個季度內逐步回升至80億元以上

    Possible · Within months

Open Questions

  • 青安2.0方案實施後，法拍市場是否會出現明顯回溫？
  • 未來房貸政策是否會進一步放寬以刺激需求？
  • 法拍屋價格與市價差距縮小是否會持續，進而影響投標誘因？

Related Topics

房貸違約率
People徐義平曾敬德何世昌黃舒衛
Organizations信義房屋不動產企研室馨傳不動產智庫高力國際不動產業主代表服務部內政部不動產資訊平台
Places台北臺灣
Topics法拍市場房貸限縮拍定總額金管會青安2.0內政部
This article was originally published by 自由时报.

Related Stories

Paul Chan: The size of Hong Kong’s silver economy will increase from HK$340 billion to nearly HK$500 billion
Developing·

Paul Chan: The size of Hong Kong’s silver economy will increase from HK$340 billion to nearly HK$500 billion

Financial Secretary Paul Chan Mo-po of the Hong Kong SAR government said that the consumer spending of people aged 60 and above in Hong Kong is expected to increase from approximately HK$340 billion in 2024 to nearly HK$500 billion in 2034. He pointed out that the development of the silver economy is not only about increasing products and services, but also about providing better life choices for the elderly with different abilities and needs, and emphasized the role of technology, cross-border services and innovation and technology ecology in promoting innovation in elderly care services.

中国新闻网
2 min read
Within three days of Hante’s public subscription, frozen funds exceeded 860 billion yuan, setting a new record in history
BREAKING·

Within three days of Hante’s public subscription, frozen funds exceeded 860 billion yuan, setting a new record in history

The Hanchai public subscription ended, attracting a total of 384,717 subscription orders in three days, and freezing market funds of 865.6 billion yuan, setting a new record in history. Only 1,048 tickets were released for subscription, and the winning rate was only 0.27%. If you win one, you will earn about 2.7 million yuan. Hante is expected to be listed on the OTC market in late September. In the first half of the year, its revenue will increase by 114.5% year-on-year, and its net profit will increase by 389.36% year-on-year.

自由时报
2 min read
U.S. 10-year Treasury yield rises to 5.01%, approaching key psychological level
Developing·

U.S. 10-year Treasury yield rises to 5.01%, approaching key psychological level

The U.S. 10-year Treasury yield rose to 5.01% on Monday, the highest since October 2023, driven by inflation concerns caused by soaring oil prices and expectations that the Federal Reserve may keep interest rates higher for longer. Large-scale bond issuance and the expansion of fiscal deficits in the market have further intensified upward pressure on yields. Analysts warn that this level may make bonds more attractive relative to stocks, threatening the bull market in the stock market.

自由时报
1 min read
Prices of computing power metals have soared: Aluminum, copper, tin, tantalum, indium, etc. have experienced significant increases in half a year
Developing·

Prices of computing power metals have soared: Aluminum, copper, tin, tantalum, indium, etc. have experienced significant increases in half a year

In the first half of this year, driven by the accelerated construction of global artificial intelligence computing power infrastructure, demand for non-ferrous metals such as aluminum, copper, tin, tantalum, and indium was released, and prices rose sharply. Among them, tin, tantalum, and indium increased by more than 40%, 158%, and 60% respectively. The industry calls it "computing power metals", which are divided into bulk metals (such as copper and aluminum) that support computing power infrastructure and small but critical rare metals (such as tin, tantalum, indium). Upstream mining companies have benefited significantly, while midstream and downstream companies are under pressure due to rising raw material costs. The industry calls for improving product quality, strengthening the connection between supply and demand, and diversifying resource layout to cope with fluctuations.

中国新闻网
4 min read
Costco Motor Oil Doubles Price in Half Year, Weekly Purchase Limits
Developing·

Costco Motor Oil Doubles Price in Half Year, Weekly Purchase Limits

Affected by the situation in the Middle East and the conflict between Russia and Ukraine, global crude oil supply is tight. Costco has implemented purchase restrictions on Kirkland Signature motor oil, with each person purchasing a maximum of two barrels per week. The price of motor oil has nearly doubled in the past six months, with 10 quarts selling for about $58, reflecting the dual pressures of reduced supply and rising costs.

自由时报
2 min read
Costco raises prices for Kirkland Signature motor oil and restricts purchases, tensions in the Middle East push up oil prices
Developing·

Costco raises prices for Kirkland Signature motor oil and restricts purchases, tensions in the Middle East push up oil prices

Costco has raised the price of Kirkland Signature fully synthetic motor oil in 5-quart, 2-pack bottles from about $30 to about $58, and has limited purchases to 2 boxes per week. It also limits the purchase of Mobil 1 fully synthetic motor oil in 1-quart, 6-pack bottles, with a maximum of 5 sets per member. Tensions in the Middle East have led to rising oil prices. Oil companies tend to refine crude oil into diesel or gasoline to obtain higher profits, putting pressure on engine oil supply. Walmart, Amazon and AutoZone have yet to respond whether they will follow up on the changes.

自由时报
2 min read
More on this topic房貸違約率