聯合翻譯有限公司/聯合翻譯社

聯合翻譯引用自 民視英語新聞：http://englishnews.ftv.com.tw/read.aspx?sno=25A694F801DD2E54018EDDD448C03C7C

Experts warn a drop in housing prices would hurt the economy (2014/04/23)

Taipei Deputy Mayor Chang Chin-oh’s comment that housing prices could fall by 30 percent over two years sparked a rebuke from business leaders and economists. Farglory Group Chairman Chao Teng-hsiung said an attack on the housing market would end up hurting everyone in Taiwan. 

Upon hearing that the government could seek to reduce housing prices by 30 percent over two years, a mortgage lawyer surnamed Tsai demonstrated the consequences of such a precipitous drop.

Tsai Chih-hsiung
Mortgage Lawyer 
For example, if we have a house worth NT$10 million and go to a bank for a mortgage worth 80 percent of the value of the house, the loan would be around NT$8 million. But if the value of the house suddenly dropped by 30 percent to NT$7 million, then your equity would be less than the loan you received. At this time, the banks may require you to add more collateral or face foreclosure.

Farglory Chairman Chao Teng-hsiung said suppressing the housing market would negatively affect everyone.

Chao Teng-hsiung 
Farglory Chairman 
There isn’t much of a willingness to invest in Taiwan, and consumer spending isn’t very strong, so if there’s little confidence or support in the real estate market, this will affect overall investment.

Shining Group Chairman Lai Cheng-yi believes the solution to the current housing problem should involve increasing salaries and government construction of more affordable housing. Otherwise, he warns, such a direct attack on the housing market will impact willingness to invest along with consumer spending, employment and wages.

打房傷經濟

政府打房，要讓房市兩年掉三成，消息一出讓繳房價的民眾相當憂心，因為房價下跌，銀行貸款金額跟著縮水，立刻面臨銀行追繳差額，或是補提擔保品的要求，就連遠雄集團董事長趙藤雄也說，這樣打房，是會打到全民。

一聽到政府祭出打房政策，二年內要讓房價消風三成，讓繳房貸的蔡律師相當擔憂。

[[律師 蔡志雄]]
像今天假如說我們一千萬的房子，去跟銀行貸款，如果貸八成就等於貸八百萬，但一旦房價下跌三成，等於房子剩下七百萬的價值，你確是跟銀行貸了八百萬，等於擔保品小於你借的錢，這時候銀行會要求你增加擔保品，不然就要法拍你的房子了。

遠雄集團董事長趙藤雄也說，打房再打下去全民都會受害。

[[遠雄集團董事長 趙藤雄]]
台灣目前的投資意願已經不高了，消費能力也不強了，如果說房地產又沒辦法支撐它信心，那對整個投資意願更是負面的。

鄉林建設董事長賴正鎰則認為，要解決買不起房的問題，應該從加薪做起，而且政府多蓋合宜住宅，否則打房的衝擊，對投資意願、消費、就業以及薪資都會有負面影響。

聯合翻譯引用自 民視英語新聞：http://englishnews.ftv.com.tw/read.aspx?sno=25A694F801DD2E54018EDDD448C03C7C