{"id":154202,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/154202","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/0ea7781078621bd1c8c7d8739364381808df44dd9bf560a28f090ddb9b7d6d6956f6ed70b2e814a85ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"吳秉叡","委員發言時間":"09:27:32 - 09:38:31","影片長度":"00:10:59","會議時間":"2024-06-26T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第19次全體委員會議（事由：審查行政院函請審議、本院委員鄭天財Sra 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00:01:29,750\n現在會發生爭議的就是說同財共居假設有一個年輕人22歲然後他本身沒有要買房子但是他爸爸媽媽想替他買房子為他買房子啦所以就用這個清歡去幫他買一戶\n\n5\n00:02:18,356 --> 00:02:35,832\n這樣的話就不合清安貸款現在有在講說如果查到之後這個清安的這個補助貸款的這個利率的補貼要收回嘛所以是想要請你們了解說像這樣的案例是不是很多這個部分公國航空已經在做清理了\n\n6\n00:02:36,392 --> 00:03:02,426\n對於高風險的案件我們會逐步去了解也就是說像這種情況其實他有出租就不符合清安貸款因為清安貸款是希望年輕人買了以後自住使用是啦但是這個中間的確會存在爭議啦我舉一個例子我本來要自住啊可是我本來22歲大學畢業準備要自住在新莊我的選居新莊假設我是假設齁我買了一副房子結果我後來在新竹的台積電找到工作\n\n7\n00:03:24,963 --> 00:03:43,749\n那你這個配套要更完整要更有其他的想法我們現在因為房價高漲政府宣誓要打草房所以就很多人有道理也好沒道理也好都把這個理由都歸注到這個房地產上面來而且其實我覺得已經在我來看我也替年輕人覺得很惋惜\n\n8\n00:03:52,386 --> 00:04:17,579\n因為現在因為清安貸款的原因清安貸款的補助有限嘛那所以在大台北地區的房子就越蓋越小間啊現在都蓋到十幾平了扣掉公車跟套房一樣啊其實那個居住的空間真的已經是跟上一代的爸爸媽媽更上一代的阿公阿嬤的那個空間小很多了欸有時候覺得說哇這個這個平宿的房子怎麼住人啊怎麼有辦法一個好好的將來年輕人也會想要成家嘛\n\n9\n00:04:20,448 --> 00:04:47,489\n他如果娶了太太兩個好不好生了一個小寶貝或兩個小寶貝那一間房子實在真的是不夠住當然這是另外的話但是因為就是有這個補貼使得再加上你們那個豪宅的那個政策金額多少以上央行的政策金額多少以上貸款成數下降等等還為了銷售的方便所以這些\n\n10\n00:04:48,584 --> 00:05:09,899\n不動產的這些規劃建設公司房子越蓋越小間每一間的坪數都很小某一個角度也是為了政府的政策我為了要配合清安你清安能夠補貼的金額就是這樣所以我除了一部分的自備管之外其他的代管就要適用清安所以我那種房子的總價就設計一千出頭萬在大台北地區\n\n11\n00:05:14,176 --> 00:05:18,765\n臺北市當然不太可能新北市像我那個地方那房子大概就是十幾二十平欸\n\n12\n00:05:21,818 --> 00:05:24,600\n現在年輕人就算這樣子親安貸款要買房子通常他的前面的這個自備款家長如果有能力也會給予幫忙\n\n13\n00:05:48,986 --> 00:06:17,483\n沒有錯,這是家長會多少會給但是這個就會研發出世代的這個阿德好命阿嘛被網友講得最難聽的說會投胎的好命阿就爸爸媽媽可以給的這個幫忙很大所以他很年輕就能買房子阿如果本身的家境本身就沒有那麼好的他要買房子就變得比較困難阿這比較心理之下就會變成一個大家心理的不平衡阿\n\n14\n00:06:18,735 --> 00:06:19,078\n這也是會演發社會問題\n\n15\n00:06:22,222 --> 00:06:48,151\n所以有關房屋的這個有或是住宅的部分政府其實是多管齊下比如說新建社會住宅或者採取包租貸款還有公益出租人的出租方式那都是用租的方式當然用買的方式那政府就幫他一把在徵期的過程中可以幫助部長你有沒有想過我們台灣跟日本比起來一樣是東亞國家的這個年輕人日本人租屋的比例之高\n\n16\n00:06:49,051 --> 00:06:54,966\n那台灣人自由住宅要買房子比例這麼高你有沒有覺得這兩中間的差異是什麼?\n\n17\n00:07:23,413 --> 00:07:41,606\n所以其實政府的政策是在打草房就是不能做投機的行為但是就是說並不是在打房因為房屋市場是要健康依序的一個發展不是要去打房我講一個開玩笑的啦我這一下這個是有點小開玩笑但是也是事實全世界打房最成功的政權是哪裡你知道嗎中國中國共產黨把他的房子在中國打房折價腰斬一半都還沒人要所以\n\n18\n00:07:53,203 --> 00:08:14,521\n經濟的發展從健康的角度來看它本來就會伴隨著一點點的物價膨脹我以前在這個地方說過每年的CPI如果是2%是現在世界總體經濟學家認為最好的超過3是不要因為那是通貨膨脹低於1也不要因為會通貨緊縮\n\n19\n00:08:16,687 --> 00:08:41,110\n那中國現在就面臨通貨緊縮的問題通貨緊縮比通貨膨脹更可怕為什麼因為通貨膨脹是我現在不趕快去消費明天、後天、明年、後年物價越來越高我怕我買不起現在台灣有一點點這樣的預期心理可是通貨緊縮更可怕是我就要忍住不消費因為我越晚消費越便宜\n\n20\n00:08:42,202 --> 00:08:47,786\n所以整個消費會急速的盪下來盪下來之後還更惡性循環我今天買100塊的下個禮拜會變成99塊下個月會變成98塊到了年底剩95塊明年剩90塊那我是不是就盡量忍我越晚消費就賺越多所以偷貨緊縮會帶來整個經濟的窒息量\n\n21\n00:09:06,995 --> 00:09:33,860\n中國現在是這樣的狀況你有沒有看到這個稅很可怕喔中國的稅中央地方今年度到現在5月減了5.91%换算成人民幣它是少收了2點多兆的這個稅金當然中國的經濟量體非常的大但是你想想看這樣子前面5個月就減收這樣給它算過它有可能今年會\n\n22\n00:09:35,253 --> 00:09:56,793\n整個撿起來有可能撿到將近10兆的稅金喔那是非常非常驚人的數字那如果這個不趕快解決,過兩年他的經濟真的可能會崩潰啊那在這樣他現在面臨的國際上面的這些制裁的壓力在美國對於他又要支持俄羅斯去侵略烏克蘭歐盟、美國都對他要動手\n\n23\n00:09:58,365 --> 00:10:23,665\n所以坦白講我很看不好啦他如果度過這個硬著陸都很有問題啊所以我的意思說處理這些事情都是要很小心的要一環一環而且觀念要正確有人看到CBI說怎麼會物價上漲然後就隨便扣帽子說怎麼物價都漲然後工資都不漲明明工資就有漲他看不見\n\n24\n00:10:25,308 --> 00:10:26,708\n謝謝吳秉叡委員的諮詢接著我們請賴世保委員諮詢\n\n","tsv":"start\tend\ttext\n2967\t5509\t主席麻煩請財政部莊部長委員好剛剛延續剛剛那個話題因為我們中華民國台灣的不動產是財登記主義公事公信所以如果你是要用清單貸款的話那你一定是\n30902\t39765\t他跟他的配偶以及他的子女不能夠有房子可以適用清安啦\n57199\t82516\t然後因為清安是購買房屋的房屋貸款所以以購買房屋的登記人符不符合這個條件才能夠借款給他啦所以基本上不存在說年輕人符合清安然後買房子登記在爸爸媽媽名下不可以啦因為這樣子的話就不符合清安的規定啦\n83285\t89750\t現在會發生爭議的就是說同財共居假設有一個年輕人22歲然後他本身沒有要買房子但是他爸爸媽媽想替他買房子為他買房子啦所以就用這個清歡去幫他買一戶\n109889\t138012\t吳秉叡吳秉叡吳秉叡吳秉叡\n138356\t155832\t這樣的話就不合清安貸款現在有在講說如果查到之後這個清安的這個補助貸款的這個利率的補貼要收回嘛所以是想要請你們了解說像這樣的案例是不是很多這個部分公國航空已經在做清理了\n156392\t182426\t對於高風險的案件我們會逐步去了解也就是說像這種情況其實他有出租就不符合清安貸款因為清安貸款是希望年輕人買了以後自住使用是啦但是這個中間的確會存在爭議啦我舉一個例子我本來要自住啊可是我本來22歲大學畢業準備要自住在新莊我的選居新莊假設我是假設齁我買了一副房子結果我後來在新竹的台積電找到工作\n183677\t204172\t吳秉叡\n204963\t223749\t那你這個配套要更完整要更有其他的想法我們現在因為房價高漲政府宣誓要打草房所以就很多人有道理也好沒道理也好都把這個理由都歸注到這個房地產上面來而且其實我覺得已經在我來看我也替年輕人覺得很惋惜\n232386\t257579\t因為現在因為清安貸款的原因清安貸款的補助有限嘛那所以在大台北地區的房子就越蓋越小間啊現在都蓋到十幾平了扣掉公車跟套房一樣啊其實那個居住的空間真的已經是跟上一代的爸爸媽媽更上一代的阿公阿嬤的那個空間小很多了欸有時候覺得說哇這個這個平宿的房子怎麼住人啊怎麼有辦法一個好好的將來年輕人也會想要成家嘛\n260448\t287489\t他如果娶了太太兩個好不好生了一個小寶貝或兩個小寶貝那一間房子實在真的是不夠住當然這是另外的話但是因為就是有這個補貼使得再加上你們那個豪宅的那個政策金額多少以上央行的政策金額多少以上貸款成數下降等等還為了銷售的方便所以這些\n288584\t309899\t不動產的這些規劃建設公司房子越蓋越小間每一間的坪數都很小某一個角度也是為了政府的政策我為了要配合清安你清安能夠補貼的金額就是這樣所以我除了一部分的自備管之外其他的代管就要適用清安所以我那種房子的總價就設計一千出頭萬在大台北地區\n314176\t318765\t臺北市當然不太可能新北市像我那個地方那房子大概就是十幾二十平欸\n321818\t324600\t現在年輕人就算這樣子親安貸款要買房子通常他的前面的這個自備款家長如果有能力也會給予幫忙\n348986\t377483\t沒有錯,這是家長會多少會給但是這個就會研發出世代的這個阿德好命阿嘛被網友講得最難聽的說會投胎的好命阿就爸爸媽媽可以給的這個幫忙很大所以他很年輕就能買房子阿如果本身的家境本身就沒有那麼好的他要買房子就變得比較困難阿這比較心理之下就會變成一個大家心理的不平衡阿\n378735\t379078\t這也是會演發社會問題\n382222\t408151\t所以有關房屋的這個有或是住宅的部分政府其實是多管齊下比如說新建社會住宅或者採取包租貸款還有公益出租人的出租方式那都是用租的方式當然用買的方式那政府就幫他一把在徵期的過程中可以幫助部長你有沒有想過我們台灣跟日本比起來一樣是東亞國家的這個年輕人日本人租屋的比例之高\n409051\t414966\t那台灣人自由住宅要買房子比例這麼高你有沒有覺得這兩中間的差異是什麼?\n416561\t442466\t⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯\n443413\t461606\t所以其實政府的政策是在打草房就是不能做投機的行為但是就是說並不是在打房因為房屋市場是要健康依序的一個發展不是要去打房我講一個開玩笑的啦我這一下這個是有點小開玩笑但是也是事實全世界打房最成功的政權是哪裡你知道嗎中國中國共產黨把他的房子在中國打房折價腰斬一半都還沒人要所以\n473203\t494521\t經濟的發展從健康的角度來看它本來就會伴隨著一點點的物價膨脹我以前在這個地方說過每年的CPI如果是2%是現在世界總體經濟學家認為最好的超過3是不要因為那是通貨膨脹低於1也不要因為會通貨緊縮\n496687\t521110\t那中國現在就面臨通貨緊縮的問題通貨緊縮比通貨膨脹更可怕為什麼因為通貨膨脹是我現在不趕快去消費明天、後天、明年、後年物價越來越高我怕我買不起現在台灣有一點點這樣的預期心理可是通貨緊縮更可怕是我就要忍住不消費因為我越晚消費越便宜\n522202\t527786\t所以整個消費會急速的盪下來盪下來之後還更惡性循環我今天買100塊的下個禮拜會變成99塊下個月會變成98塊到了年底剩95塊明年剩90塊那我是不是就盡量忍我越晚消費就賺越多所以偷貨緊縮會帶來整個經濟的窒息量\n546995\t573860\t中國現在是這樣的狀況 你有沒有看到這個稅很可怕喔中國的稅中央地方今年度到現在5月減了5.91%换算成人民幣它是少收了2點多兆的這個稅金當然中國的經濟量體非常的大但是你想想看這樣子前面5個月就減收這樣給它算過 它有可能今年會\n575253\t596793\t整個撿起來有可能撿到將近10兆的稅金喔那是非常非常驚人的數字那如果這個不趕快解決,過兩年他的經濟真的可能會崩潰啊那在這樣他現在面臨的國際上面的這些制裁的壓力在美國對於他又要支持俄羅斯去侵略烏克蘭歐盟、美國都對他要動手\n598365\t623665\t所以坦白講我很看不好啦他如果度過這個硬著陸都很有問題啊所以我的意思說處理這些事情都是要很小心的要一環一環而且觀念要正確有人看到CBI說怎麼會物價上漲然後就隨便扣帽子說怎麼物價都漲然後工資都不漲明明工資就有漲他看不見\n625308\t626708\t謝謝吳秉叡委員的諮詢 接著我們請賴世保委員諮詢\n","txt":"主席麻煩請財政部莊部長委員好剛剛延續剛剛那個話題因為我們中華民國台灣的不動產是財登記主義公事公信所以如果你是要用清單貸款的話那你一定是\n他跟他的配偶以及他的子女不能夠有房子可以適用清安啦\n然後因為清安是購買房屋的房屋貸款所以以購買房屋的登記人符不符合這個條件才能夠借款給他啦所以基本上不存在說年輕人符合清安然後買房子登記在爸爸媽媽名下不可以啦因為這樣子的話就不符合清安的規定啦\n現在會發生爭議的就是說同財共居假設有一個年輕人22歲然後他本身沒有要買房子但是他爸爸媽媽想替他買房子為他買房子啦所以就用這個清歡去幫他買一戶\n吳秉叡吳秉叡吳秉叡吳秉叡\n這樣的話就不合清安貸款現在有在講說如果查到之後這個清安的這個補助貸款的這個利率的補貼要收回嘛所以是想要請你們了解說像這樣的案例是不是很多這個部分公國航空已經在做清理了\n對於高風險的案件我們會逐步去了解也就是說像這種情況其實他有出租就不符合清安貸款因為清安貸款是希望年輕人買了以後自住使用是啦但是這個中間的確會存在爭議啦我舉一個例子我本來要自住啊可是我本來22歲大學畢業準備要自住在新莊我的選居新莊假設我是假設齁我買了一副房子結果我後來在新竹的台積電找到工作\n吳秉叡\n那你這個配套要更完整要更有其他的想法我們現在因為房價高漲政府宣誓要打草房所以就很多人有道理也好沒道理也好都把這個理由都歸注到這個房地產上面來而且其實我覺得已經在我來看我也替年輕人覺得很惋惜\n因為現在因為清安貸款的原因清安貸款的補助有限嘛那所以在大台北地區的房子就越蓋越小間啊現在都蓋到十幾平了扣掉公車跟套房一樣啊其實那個居住的空間真的已經是跟上一代的爸爸媽媽更上一代的阿公阿嬤的那個空間小很多了欸有時候覺得說哇這個這個平宿的房子怎麼住人啊怎麼有辦法一個好好的將來年輕人也會想要成家嘛\n他如果娶了太太兩個好不好生了一個小寶貝或兩個小寶貝那一間房子實在真的是不夠住當然這是另外的話但是因為就是有這個補貼使得再加上你們那個豪宅的那個政策金額多少以上央行的政策金額多少以上貸款成數下降等等還為了銷售的方便所以這些\n不動產的這些規劃建設公司房子越蓋越小間每一間的坪數都很小某一個角度也是為了政府的政策我為了要配合清安你清安能夠補貼的金額就是這樣所以我除了一部分的自備管之外其他的代管就要適用清安所以我那種房子的總價就設計一千出頭萬在大台北地區\n臺北市當然不太可能新北市像我那個地方那房子大概就是十幾二十平欸\n現在年輕人就算這樣子親安貸款要買房子通常他的前面的這個自備款家長如果有能力也會給予幫忙\n沒有錯,這是家長會多少會給但是這個就會研發出世代的這個阿德好命阿嘛被網友講得最難聽的說會投胎的好命阿就爸爸媽媽可以給的這個幫忙很大所以他很年輕就能買房子阿如果本身的家境本身就沒有那麼好的他要買房子就變得比較困難阿這比較心理之下就會變成一個大家心理的不平衡阿\n這也是會演發社會問題\n所以有關房屋的這個有或是住宅的部分政府其實是多管齊下比如說新建社會住宅或者採取包租貸款還有公益出租人的出租方式那都是用租的方式當然用買的方式那政府就幫他一把在徵期的過程中可以幫助部長你有沒有想過我們台灣跟日本比起來一樣是東亞國家的這個年輕人日本人租屋的比例之高\n那台灣人自由住宅要買房子比例這麼高你有沒有覺得這兩中間的差異是什麼?\n⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯\n所以其實政府的政策是在打草房就是不能做投機的行為但是就是說並不是在打房因為房屋市場是要健康依序的一個發展不是要去打房我講一個開玩笑的啦我這一下這個是有點小開玩笑但是也是事實全世界打房最成功的政權是哪裡你知道嗎中國中國共產黨把他的房子在中國打房折價腰斬一半都還沒人要所以\n經濟的發展從健康的角度來看它本來就會伴隨著一點點的物價膨脹我以前在這個地方說過每年的CPI如果是2%是現在世界總體經濟學家認為最好的超過3是不要因為那是通貨膨脹低於1也不要因為會通貨緊縮\n那中國現在就面臨通貨緊縮的問題通貨緊縮比通貨膨脹更可怕為什麼因為通貨膨脹是我現在不趕快去消費明天、後天、明年、後年物價越來越高我怕我買不起現在台灣有一點點這樣的預期心理可是通貨緊縮更可怕是我就要忍住不消費因為我越晚消費越便宜\n所以整個消費會急速的盪下來盪下來之後還更惡性循環我今天買100塊的下個禮拜會變成99塊下個月會變成98塊到了年底剩95塊明年剩90塊那我是不是就盡量忍我越晚消費就賺越多所以偷貨緊縮會帶來整個經濟的窒息量\n中國現在是這樣的狀況 你有沒有看到這個稅很可怕喔中國的稅中央地方今年度到現在5月減了5.91%换算成人民幣它是少收了2點多兆的這個稅金當然中國的經濟量體非常的大但是你想想看這樣子前面5個月就減收這樣給它算過 它有可能今年會\n整個撿起來有可能撿到將近10兆的稅金喔那是非常非常驚人的數字那如果這個不趕快解決,過兩年他的經濟真的可能會崩潰啊那在這樣他現在面臨的國際上面的這些制裁的壓力在美國對於他又要支持俄羅斯去侵略烏克蘭歐盟、美國都對他要動手\n所以坦白講我很看不好啦他如果度過這個硬著陸都很有問題啊所以我的意思說處理這些事情都是要很小心的要一環一環而且觀念要正確有人看到CBI說怎麼會物價上漲然後就隨便扣帽子說怎麼物價都漲然後工資都不漲明明工資就有漲他看不見\n謝謝吳秉叡委員的諮詢 接著我們請賴世保委員諮詢\n","vtt":"WEBVTT\n\n00:02.967 --> 00:05.509\n主席麻煩請財政部莊部長委員好剛剛延續剛剛那個話題因為我們中華民國台灣的不動產是財登記主義公事公信所以如果你是要用清單貸款的話那你一定是\n\n00:30.902 --> 00:39.765\n他跟他的配偶以及他的子女不能夠有房子可以適用清安啦\n\n00:57.199 --> 01:22.516\n然後因為清安是購買房屋的房屋貸款所以以購買房屋的登記人符不符合這個條件才能夠借款給他啦所以基本上不存在說年輕人符合清安然後買房子登記在爸爸媽媽名下不可以啦因為這樣子的話就不符合清安的規定啦\n\n01:23.285 --> 01:29.750\n現在會發生爭議的就是說同財共居假設有一個年輕人22歲然後他本身沒有要買房子但是他爸爸媽媽想替他買房子為他買房子啦所以就用這個清歡去幫他買一戶\n\n02:18.356 --> 02:35.832\n這樣的話就不合清安貸款現在有在講說如果查到之後這個清安的這個補助貸款的這個利率的補貼要收回嘛所以是想要請你們了解說像這樣的案例是不是很多這個部分公國航空已經在做清理了\n\n02:36.392 --> 03:02.426\n對於高風險的案件我們會逐步去了解也就是說像這種情況其實他有出租就不符合清安貸款因為清安貸款是希望年輕人買了以後自住使用是啦但是這個中間的確會存在爭議啦我舉一個例子我本來要自住啊可是我本來22歲大學畢業準備要自住在新莊我的選居新莊假設我是假設齁我買了一副房子結果我後來在新竹的台積電找到工作\n\n03:24.963 --> 03:43.749\n那你這個配套要更完整要更有其他的想法我們現在因為房價高漲政府宣誓要打草房所以就很多人有道理也好沒道理也好都把這個理由都歸注到這個房地產上面來而且其實我覺得已經在我來看我也替年輕人覺得很惋惜\n\n03:52.386 --> 04:17.579\n因為現在因為清安貸款的原因清安貸款的補助有限嘛那所以在大台北地區的房子就越蓋越小間啊現在都蓋到十幾平了扣掉公車跟套房一樣啊其實那個居住的空間真的已經是跟上一代的爸爸媽媽更上一代的阿公阿嬤的那個空間小很多了欸有時候覺得說哇這個這個平宿的房子怎麼住人啊怎麼有辦法一個好好的將來年輕人也會想要成家嘛\n\n04:20.448 --> 04:47.489\n他如果娶了太太兩個好不好生了一個小寶貝或兩個小寶貝那一間房子實在真的是不夠住當然這是另外的話但是因為就是有這個補貼使得再加上你們那個豪宅的那個政策金額多少以上央行的政策金額多少以上貸款成數下降等等還為了銷售的方便所以這些\n\n04:48.584 --> 05:09.899\n不動產的這些規劃建設公司房子越蓋越小間每一間的坪數都很小某一個角度也是為了政府的政策我為了要配合清安你清安能夠補貼的金額就是這樣所以我除了一部分的自備管之外其他的代管就要適用清安所以我那種房子的總價就設計一千出頭萬在大台北地區\n\n05:14.176 --> 05:18.765\n臺北市當然不太可能新北市像我那個地方那房子大概就是十幾二十平欸\n\n05:21.818 --> 05:24.600\n現在年輕人就算這樣子親安貸款要買房子通常他的前面的這個自備款家長如果有能力也會給予幫忙\n\n05:48.986 --> 06:17.483\n沒有錯,這是家長會多少會給但是這個就會研發出世代的這個阿德好命阿嘛被網友講得最難聽的說會投胎的好命阿就爸爸媽媽可以給的這個幫忙很大所以他很年輕就能買房子阿如果本身的家境本身就沒有那麼好的他要買房子就變得比較困難阿這比較心理之下就會變成一個大家心理的不平衡阿\n\n06:18.735 --> 06:19.078\n這也是會演發社會問題\n\n06:22.222 --> 06:48.151\n所以有關房屋的這個有或是住宅的部分政府其實是多管齊下比如說新建社會住宅或者採取包租貸款還有公益出租人的出租方式那都是用租的方式當然用買的方式那政府就幫他一把在徵期的過程中可以幫助部長你有沒有想過我們台灣跟日本比起來一樣是東亞國家的這個年輕人日本人租屋的比例之高\n\n06:49.051 --> 06:54.966\n那台灣人自由住宅要買房子比例這麼高你有沒有覺得這兩中間的差異是什麼?\n\n07:23.413 --> 07:41.606\n所以其實政府的政策是在打草房就是不能做投機的行為但是就是說並不是在打房因為房屋市場是要健康依序的一個發展不是要去打房我講一個開玩笑的啦我這一下這個是有點小開玩笑但是也是事實全世界打房最成功的政權是哪裡你知道嗎中國中國共產黨把他的房子在中國打房折價腰斬一半都還沒人要所以\n\n07:53.203 --> 08:14.521\n經濟的發展從健康的角度來看它本來就會伴隨著一點點的物價膨脹我以前在這個地方說過每年的CPI如果是2%是現在世界總體經濟學家認為最好的超過3是不要因為那是通貨膨脹低於1也不要因為會通貨緊縮\n\n08:16.687 --> 08:41.110\n那中國現在就面臨通貨緊縮的問題通貨緊縮比通貨膨脹更可怕為什麼因為通貨膨脹是我現在不趕快去消費明天、後天、明年、後年物價越來越高我怕我買不起現在台灣有一點點這樣的預期心理可是通貨緊縮更可怕是我就要忍住不消費因為我越晚消費越便宜\n\n08:42.202 --> 08:47.786\n所以整個消費會急速的盪下來盪下來之後還更惡性循環我今天買100塊的下個禮拜會變成99塊下個月會變成98塊到了年底剩95塊明年剩90塊那我是不是就盡量忍我越晚消費就賺越多所以偷貨緊縮會帶來整個經濟的窒息量\n\n09:06.995 --> 09:33.860\n中國現在是這樣的狀況你有沒有看到這個稅很可怕喔中國的稅中央地方今年度到現在5月減了5.91%换算成人民幣它是少收了2點多兆的這個稅金當然中國的經濟量體非常的大但是你想想看這樣子前面5個月就減收這樣給它算過它有可能今年會\n\n09:35.253 --> 09:56.793\n整個撿起來有可能撿到將近10兆的稅金喔那是非常非常驚人的數字那如果這個不趕快解決,過兩年他的經濟真的可能會崩潰啊那在這樣他現在面臨的國際上面的這些制裁的壓力在美國對於他又要支持俄羅斯去侵略烏克蘭歐盟、美國都對他要動手\n\n09:58.365 --> 10:23.665\n所以坦白講我很看不好啦他如果度過這個硬著陸都很有問題啊所以我的意思說處理這些事情都是要很小心的要一環一環而且觀念要正確有人看到CBI說怎麼會物價上漲然後就隨便扣帽子說怎麼物價都漲然後工資都不漲明明工資就有漲他看不見\n\n10:25.308 --> 10:26.708\n謝謝吳秉叡委員的諮詢接著我們請賴世保委員諮詢\n\n","segments":[{"start":2.967,"end":5.509,"text":"主席麻煩請財政部莊部長委員好剛剛延續剛剛那個話題因為我們中華民國台灣的不動產是財登記主義公事公信所以如果你是要用清單貸款的話那你一定是"},{"start":30.902,"end":39.765,"text":"他跟他的配偶以及他的子女不能夠有房子可以適用清安啦"},{"start":57.199,"end":82.516,"text":"然後因為清安是購買房屋的房屋貸款所以以購買房屋的登記人符不符合這個條件才能夠借款給他啦所以基本上不存在說年輕人符合清安然後買房子登記在爸爸媽媽名下不可以啦因為這樣子的話就不符合清安的規定啦"},{"start":83.285,"end":89.75,"text":"現在會發生爭議的就是說同財共居假設有一個年輕人22歲然後他本身沒有要買房子但是他爸爸媽媽想替他買房子為他買房子啦所以就用這個清歡去幫他買一戶"},{"start":109.889,"end":138.012,"text":"吳秉叡吳秉叡吳秉叡吳秉叡"},{"start":138.356,"end":155.832,"text":"這樣的話就不合清安貸款現在有在講說如果查到之後這個清安的這個補助貸款的這個利率的補貼要收回嘛所以是想要請你們了解說像這樣的案例是不是很多這個部分公國航空已經在做清理了"},{"start":156.392,"end":182.426,"text":"對於高風險的案件我們會逐步去了解也就是說像這種情況其實他有出租就不符合清安貸款因為清安貸款是希望年輕人買了以後自住使用是啦但是這個中間的確會存在爭議啦我舉一個例子我本來要自住啊可是我本來22歲大學畢業準備要自住在新莊我的選居新莊假設我是假設齁我買了一副房子結果我後來在新竹的台積電找到工作"},{"start":183.677,"end":204.172,"text":"吳秉叡"},{"start":204.963,"end":223.749,"text":"那你這個配套要更完整要更有其他的想法我們現在因為房價高漲政府宣誓要打草房所以就很多人有道理也好沒道理也好都把這個理由都歸注到這個房地產上面來而且其實我覺得已經在我來看我也替年輕人覺得很惋惜"},{"start":232.386,"end":257.579,"text":"因為現在因為清安貸款的原因清安貸款的補助有限嘛那所以在大台北地區的房子就越蓋越小間啊現在都蓋到十幾平了扣掉公車跟套房一樣啊其實那個居住的空間真的已經是跟上一代的爸爸媽媽更上一代的阿公阿嬤的那個空間小很多了欸有時候覺得說哇這個這個平宿的房子怎麼住人啊怎麼有辦法一個好好的將來年輕人也會想要成家嘛"},{"start":260.448,"end":287.489,"text":"他如果娶了太太兩個好不好生了一個小寶貝或兩個小寶貝那一間房子實在真的是不夠住當然這是另外的話但是因為就是有這個補貼使得再加上你們那個豪宅的那個政策金額多少以上央行的政策金額多少以上貸款成數下降等等還為了銷售的方便所以這些"},{"start":288.584,"end":309.899,"text":"不動產的這些規劃建設公司房子越蓋越小間每一間的坪數都很小某一個角度也是為了政府的政策我為了要配合清安你清安能夠補貼的金額就是這樣所以我除了一部分的自備管之外其他的代管就要適用清安所以我那種房子的總價就設計一千出頭萬在大台北地區"},{"start":314.176,"end":318.765,"text":"臺北市當然不太可能新北市像我那個地方那房子大概就是十幾二十平欸"},{"start":321.818,"end":324.6,"text":"現在年輕人就算這樣子親安貸款要買房子通常他的前面的這個自備款家長如果有能力也會給予幫忙"},{"start":348.986,"end":377.483,"text":"沒有錯,這是家長會多少會給但是這個就會研發出世代的這個阿德好命阿嘛被網友講得最難聽的說會投胎的好命阿就爸爸媽媽可以給的這個幫忙很大所以他很年輕就能買房子阿如果本身的家境本身就沒有那麼好的他要買房子就變得比較困難阿這比較心理之下就會變成一個大家心理的不平衡阿"},{"start":378.735,"end":379.078,"text":"這也是會演發社會問題"},{"start":382.222,"end":408.151,"text":"所以有關房屋的這個有或是住宅的部分政府其實是多管齊下比如說新建社會住宅或者採取包租貸款還有公益出租人的出租方式那都是用租的方式當然用買的方式那政府就幫他一把在徵期的過程中可以幫助部長你有沒有想過我們台灣跟日本比起來一樣是東亞國家的這個年輕人日本人租屋的比例之高"},{"start":409.051,"end":414.966,"text":"那台灣人自由住宅要買房子比例這麼高你有沒有覺得這兩中間的差異是什麼?"},{"start":416.561,"end":442.466,"text":"⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯"},{"start":443.413,"end":461.606,"text":"所以其實政府的政策是在打草房就是不能做投機的行為但是就是說並不是在打房因為房屋市場是要健康依序的一個發展不是要去打房我講一個開玩笑的啦我這一下這個是有點小開玩笑但是也是事實全世界打房最成功的政權是哪裡你知道嗎中國中國共產黨把他的房子在中國打房折價腰斬一半都還沒人要所以"},{"start":473.203,"end":494.521,"text":"經濟的發展從健康的角度來看它本來就會伴隨著一點點的物價膨脹我以前在這個地方說過每年的CPI如果是2%是現在世界總體經濟學家認為最好的超過3是不要因為那是通貨膨脹低於1也不要因為會通貨緊縮"},{"start":496.687,"end":521.11,"text":"那中國現在就面臨通貨緊縮的問題通貨緊縮比通貨膨脹更可怕為什麼因為通貨膨脹是我現在不趕快去消費明天、後天、明年、後年物價越來越高我怕我買不起現在台灣有一點點這樣的預期心理可是通貨緊縮更可怕是我就要忍住不消費因為我越晚消費越便宜"},{"start":522.202,"end":527.786,"text":"所以整個消費會急速的盪下來盪下來之後還更惡性循環我今天買100塊的下個禮拜會變成99塊下個月會變成98塊到了年底剩95塊明年剩90塊那我是不是就盡量忍我越晚消費就賺越多所以偷貨緊縮會帶來整個經濟的窒息量"},{"start":546.995,"end":573.86,"text":"中國現在是這樣的狀況 你有沒有看到這個稅很可怕喔中國的稅中央地方今年度到現在5月減了5.91%换算成人民幣它是少收了2點多兆的這個稅金當然中國的經濟量體非常的大但是你想想看這樣子前面5個月就減收這樣給它算過 它有可能今年會"},{"start":575.253,"end":596.793,"text":"整個撿起來有可能撿到將近10兆的稅金喔那是非常非常驚人的數字那如果這個不趕快解決,過兩年他的經濟真的可能會崩潰啊那在這樣他現在面臨的國際上面的這些制裁的壓力在美國對於他又要支持俄羅斯去侵略烏克蘭歐盟、美國都對他要動手"},{"start":598.365,"end":623.665,"text":"所以坦白講我很看不好啦他如果度過這個硬著陸都很有問題啊所以我的意思說處理這些事情都是要很小心的要一環一環而且觀念要正確有人看到CBI說怎麼會物價上漲然後就隨便扣帽子說怎麼物價都漲然後工資都不漲明明工資就有漲他看不見"},{"start":625.308,"end":626.708,"text":"謝謝吳秉叡委員的諮詢 接著我們請賴世保委員諮詢"}]}}}}