
過去十年台灣總人口減少約24.07萬人,但65歲以上人口增加約156.7萬人,64歲以下人口流失180.77萬人,顯示人口老化嚴重。專家指出,大坪數住宅流動性凍結,郊區透天、偏遠重劃區、老公寓等將面臨『賣不掉、租不出、住不了、修不起』的四重困境,勞健保改革壓力增大。
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台灣人口結構正經歷顯著老化,65歲以上人口比例持續上升,而青壯人口流失,導致扶老比快速增加,對社會福利和房地產市場產生深遠影響。
10年來全國人口總數減少約24.07萬人,但64歲以下的人口數卻流失高達180.77萬人,反觀65歲以上人口數則增加約156.7萬人,顯示頭重腳輕的人口金字塔型態已相當明顯。(記者徐義平攝)
〔記者徐義平/台北報導〕10年來全國人口總數減少約24.07萬人,但64歲以下的人口數卻流失高達180.77萬人,反觀65歲以上人口數則增加約156.7萬人,顯示頭重腳輕的人口金字塔型態已相當明顯。隨著台灣加速老化,未來大坪數住宅流動性凍結,受衝擊最大的,像是郊區透天、偏遠重劃區、老公寓、大坪數住宅等,尤其在限貸管制下,將更陷入「賣不掉、租不出、住不了、修不起」的四重困境。
馨傳不動產智庫執行長何世昌指出,扶老比持續走高意味著青壯族群分擔高齡族群養老帶來的社會與經濟負擔加重,當政策維持或加碼老人福利時,會分食掉更多的政府資源。最顯而易見的問題,往往展現在健保、勞保上;倘若未來扶老比持續走升,勞健保改革將是不得不面對的事,而承擔更多費用、享受最少福利者往往是青壯族群。
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根據內政部戶政司發布,2025年全國人口數約2329.91萬人,對比2016年的2353.98萬人,減少約24.07萬人,但同一個時間點,64歲以下人口數從2016年的2043.37萬人,減少至2025年的1862.60萬人,10年減少人數達180.77萬人;反觀65歲以上人口數則從2016年的310.61萬人,增加至2025年的467.32萬人,10年增加156.7萬人。尤其扶幼比10年減少1.35,而扶老比則10年加重11.35。
信義房屋不動產企研室專案經理曾敬德表示,台灣進入超高齡的人口年代,老年人數量快速增加,也帶來許多條件與結構的改變,與不動產相關就是繼承與資產的世代轉移,政府公布的人口預測也可發現,這種趨勢難以逆轉且有加劇的跡象。
房產業者認為,少壯流失老增長的趨勢下,最直接衝擊就是勞動力人口銳減,工資勢必上漲,緊接著就是居住需求的改變,進而演化成的目前新案「小宅化」的現況。
高力國際不動產業主代表服務部董事黃舒衛表示,人口金字塔呈現倒三角形,直接瓦解過去幾千年房市依賴人口紅利、通貨膨脹的價量成長原動力。在剛需總量萎縮之際,如果公共資源、企業投資不到位,翻身機會低,空屋比、棄屋比高的現象很難避免。
因此,可進一步推斷,大坪數住宅流動性凍結、對電梯小宅及銀髮宅偏好的雙向趨勢都會逐漸被放大。受衝擊最大的,像是郊區透天、偏遠重劃區、老公寓、大坪數住宅等,尤其在限貸管制下,將更陷入「賣不掉、租不出、住不了、修不起」的四重困境,成為未來的家庭財務「負」資產。
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AI outlook — possibilities, not facts
未來幾年大坪數住宅的買賣與租賃難度將進一步增加
Likely · Within years
勞健保改革將成為不可避免的政策議題
Very likely · Within years

The Lianjiang County Government reminds the public that before the end of the Mid-Autumn Festival and Teacher's Day holidays, do not bring contraband when bringing or mailing items into the country, especially illegal items such as meat-containing mooncakes, to avoid breaking the law and being punished. It also explains the import regulations and penalties for five major categories of plants, animals, tobacco, and alcohol.

According to statistics from the Yunlin County Government, 146,209 people have been paid with gift money for the elderly during this year’s Double Ninth Festival, including 185 centenarians. The total amount distributed is about 310 million yuan, which will be transferred to the elders’ accounts on October 2. Each office also distributes gifts for the elderly on its own, with different amounts and gifts. Mailiao Township is the most generous, with 5,000 yuan for those over 65 years old, and gifts worth 15,000 yuan for centenarians.

The government plans to increase workers’ marriage leave from 8 days to 14 days, and the additional 6 days of wages will be subsidized by the government. However, experts point out that the core of the problem of declining birthrate lies in the pressure on housing prices, changes in family values, and young people’s lack of confidence in the future. Extending marriage leave alone cannot solve the structural challenges.

A female DJ with a master's degree from abroad in Zhongli District, Taoyuan City, believed in the taboos of numerology because her past family accident matched the predictions of a numerologist. When seeking help from a marriage agency, she put forward strict conditions for choosing a spouse: only 4 zodiac signs and 6 zodiac signs were accepted, and the rest were excluded. Senior matchmaker Xu Naiyi said that he would respect her conditions and help match her, and at the same time, he hoped to help her gradually get out of her psychological shadow and rebuild her confidence in love.

The 3rd anniversary of the Kitai Dazhi collapse case has expired. The disaster-stricken household Zuo Yiyou has transformed from a lawyer to a mountain forest coach. After experiencing the collapse of his home and PTSD, he continues to protect his home and fight for his rights in a familiar community through outdoor sports and spending time with his family.

The Tainan City Worker Charity Group continued its charity service during the Mid-Autumn Festival holiday. Volunteers sorted out second-hand furniture and gave it to disadvantaged families. Since 2019, a total of 1,022 pieces of furniture have been donated, helping 147 families save approximately 2,924,600 yuan in purchase costs and assisting disaster victims in rebuilding their lives.