{"id":154285,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/154285","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/0ea7781078621bd1b762093246189c7208df44dd9bf560a23176ac657cb8ac9cdca2085226b7cab25ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"李坤城","委員發言時間":"11:24:04 - 11:36:54","影片長度":"00:12:50","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 Kacaw等17人、委員顏寬恒等20人分別擬具「所得稅法部分條文修正草案」等3案。\n【6月26日及27日二天一次會】）","type":"Clip","date":"2024-06-26","start_time":"2024-06-26T11:24:04+08:00","end_time":"2024-06-26T11:36:54+08:00","duration":770,"meet":{"tmpMeeting":null,"title":"第11屆第1會期財政委員會第19次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":19,"committees":[20],"id":"委員會-11-1-20-19"},"features":["ai-transcript","gazette"],"gazette":{"lineno":651,"blocks":[["李委員坤城：（11時23分）謝謝主席。我們請莊部長。"],["主席：有請莊部長。"],["莊部長翠雲：委員好。"],["李委員坤城：部長好。今天早上很多委員都在關心有關新青安的問題，本席先請教一下部長，新青安跟舊青安、跟過去的青年貸款有什麼不一樣？"],["莊部長翠雲：青安貸款其實從民國99年12月就開辦了，在去年的8月1日開始所謂的新青安，最主要就是我們把貸款額度從800萬提高到1,000萬，因為從99年到現在，事實上房價是有調整變高的，所以把貸款額度提高是切合實際。另外把最長貸款年限從30年延長到40年，那是為了讓青年朋友們在付款的時候可以拉長時間，額度會降低一點。另外就是寬限期從3年延長到5年，也就讓青年朋友剛開始的時候負擔可以減輕，但是我們其實最主要的……"],["李委員坤城：對，部長……"],["莊部長翠雲：還有利息的補貼。"],["李委員坤城：利息的補貼？因為公股行庫跟內政部的住宅基金有合計補貼兩碼。"],["莊部長翠雲：是的，那是因為央行的升息，是陸續升息，不是一開始，一開始的新青安，我們的公股行庫事實上是從111年3月就開始自行吸收半碼，也就是減少半碼的收取，因為是配合央行的升息，在8月1日一開始開辦的時候，住宅基金補貼一碼，到今年3月的時候，因為央行再升息半碼，所以住宅基金再補貼半碼，事實上利息補貼是到115年……"],["李委員坤城：所以利息補貼有公股行庫跟內政部的住宅基金嘛！"],["莊部長翠雲：對。但是住宅基金的補貼是到115年的7月31日就截止，當時是說3年的利息補貼。"],["李委員坤城：好，新青安到何時結束？"],["莊部長翠雲：新青安沒有所謂的結束。"],["李委員坤城：沒有結束期？"],["莊部長翠雲：沒有結束，是利息補貼有結束。"],["李委員坤城：對，利息補貼到哪時候？"],["莊部長翠雲：115年的7月底。"],["李委員坤城：好，我先請教一下部長，我們的貸款額度有增加200萬，寬限期增加兩年，寬限的還款年限也增加10年，對不對？我認為新青安其實是名實不符，過去青年貸款有沒有年紀的限制啊？"],["莊部長翠雲：一直都沒有年齡的限制，但是40歲以下是占了73%，換言之是以……"],["李委員坤城：就是我們是鼓勵年輕人啦！"],["莊部長翠雲：是以青壯族為主啦！"],["李委員坤城：所以基本上都是用40歲來做一個劃分？"],["莊部長翠雲：對。"],["李委員坤城：這次的新青安從18歲到88歲其實都可以買，對不對？"],["莊部長翠雲：但是73%、75%都是40歲以下的年輕人。"],["李委員坤城：不一定喔！有些人可能是父母買，但是是用年輕人的名義，這個也都有可能啊！"],["莊部長翠雲：父母買、父母出錢？"],["李委員坤城：對啊！父母出錢，這有可能啊！"],["莊部長翠雲：但是上面是年輕人的名字？也跟委員報告……"],["李委員坤城：對，我的意思是，新青安沒有任何的年齡限制，只要成年就可以了，就算父母有房子，但是子女是成年就可以，他只要是成年人，沒有房子就可以嘛！對不對？"],["莊部長翠雲：是。"],["李委員坤城：對啊！第一個，跟青年其實沒有什麼關係，我說過60歲也可以買、80歲也可以買，所以新青安跟青年是劃不上關係的。卓院長有提到新青安其實補貼的這個原意是非常好，是幫助年輕人買房，這個時候房價高漲也沒有單一的元素，不一定都歸咎在新青安，但是他也認為新青安可能會有一些問題，所以他也特別召開了會議嘛！對不對？"],["莊部長翠雲：是的。"],["李委員坤城：部長也有參加嘛！"],["莊部長翠雲：有參加。"],["李委員坤城：部長，這個會議中有沒有提出什麼樣的方法來遏止或是解決新青安所衍生的一些問題？"],["莊部長翠雲：跟委員報告，在會議中，我們大概就把新青安執行的情形做了一個分析報告，比如我們報告裡面提到，事實上，運用新青安貸款然後去買的房屋，1,500萬，這是房屋總價而不是貸款額度，1,500萬以下是占78%……"],["李委員坤城：沒關係，你們有三項解決的方法就對了？"],["莊部長翠雲：對，解決方法……"],["李委員坤城：貸前、貸後，還有這些……"],["莊部長翠雲：對，都有，就是如同我們之前說的。"],["李委員坤城：好，等一下我會請教這些問題，我是說卓院長有提到，他有注意到一些問題。內政部長劉世芳也提到新青安不宜再加碼補助，他認為這樣子對房市的抑制會有一點效果，所以他呼籲中央銀行還有財政部在考慮新青安貸款的時候，不宜再加碼補助，這是內政部部長的說法。央行總裁楊金龍其實講得更多了，在上次召開聯席會議的時候，他提到新青安房貸是立意良善，屬於政府健全房市的一環，但是第一，造成移轉棟數的增加，有它的衝擊；第二，央行也去調查公股行庫的新青安房貸，主要是有些房產是在父母的名下，但是以子女為借款人，這是我剛才提到的。央行關注的焦點是當子女去申貸新青安的時候，是否會涉及到央行對第二戶貸款的管制措施，這是央行的部分。他也提醒年輕人要注意財務管理，不要只看目前，還有警示房貸族如果還不起債務，銀行也會跟著受害，但是對於有什麼漏洞，這是財政部的職責，央行不會越俎代庖，這是央行的說法。","所以請教一下，我剛才提到的是有關卓院長，還包含內政部長及央行總裁，金管會可能也有，也許沒注意到，那請教財政部的作法？"],["莊部長翠雲：我們的精進措施包含對公股行庫在辦理新青安貸款的時候，在撥貸前要確實查核是不是屬於投資客或是人頭……"],["李委員坤城：這個有辦法確實去查核嗎？"],["莊部長翠雲：這個部分其實銀行公會都有……"],["李委員坤城：當然是立意良好，但是真的能夠查得到嗎？"],["莊部長翠雲：銀行公會其實都有規範相關的態樣，所以這個態樣事實上是歷年累積下來，是以這種態樣去做彙總的，所以銀行在貸款之前就要加強這方面的審查。另外，對於貸後的管理及稽查也要強化，我們要去看它到底有沒有……"],["李委員坤城：對，我知道有貸前跟貸後，但我是問你這部分真的查得到嗎？你的工具夠用嗎？"],["莊部長翠雲：我們會竭盡所能。另外對新貸戶就要寫切結書，告訴他如果有違反的話，就要追繳。"],["李委員坤城：好，違規的情況被你們抓到會怎麼樣？"],["莊部長翠雲：就違規的情況，第一個是他不符合青安貸款的資格條件，當然就不應該享用青安貸款的優惠，比如利息的補貼就不能享用……"],["李委員坤城：所以把它追回來？"],["莊部長翠雲：對，至於如果是符合一般貸款，那就重新談他們貸款的條件。"],["李委員坤城：就是優惠的部分把它追回來。"],["莊部長翠雲：就是他不符合我們利息補貼，那個補助的目的不在於讓他去做投機跟出租嘛，對不對？"],["李委員坤城：如果被抓到的話，他付出的成本會高嗎？"],["莊部長翠雲：他付出的成本，第一個利息補貼……"],["李委員坤城：就改回一般房貸而已啊！"],["莊部長翠雲：一般房貸有一般房貸的作法，那他買房子申請貸款……"],["李委員坤城：那你算一下，他這樣會差多少錢？"],["莊部長翠雲：這個沒有算過，要看他貸款的額度跟怎麼計算。"],["李委員坤城：好，如果是1,000萬，用40年，這樣會差多少？"],["莊部長翠雲：利息補貼大概是3年13萬。"],["李委員坤城：3年？"],["莊部長翠雲：因為利息補貼只有3年的期限，最長只有3年，到115年7月。"],["李委員坤城：所以被你們追回來才13萬而已嘛，對不對？"],["莊部長翠雲：對啊！可是貸款額度或寬限期……"],["李委員坤城：所以我就說那個效果真的有限啦！"],["莊部長翠雲：但是寬限期也可能會重新談啊，寬限期要重新談。"],["李委員坤城：寬限期最長是40年嘛？"],["莊部長翠雲：不是，寬限期是5年。"],["李委員坤城：5年，那你就縮短，之前是3年。我的意思是說，就算違規被你們抓到了，那個利息補貼損失也才十幾萬而已啊，那你知道嗎？他過了5年之後把房子賣掉了，現在很多都是這種投資客啊，過了5年之後把房子賣掉了，價差都是幾百萬元以上耶！"],["莊部長翠雲：我想……"],["李委員坤城：有喔！部長，你看現在的媒體都幫你試算出來了，現在的房價跟5年後的房價，這價差可能有到數百萬，很多的年輕人為什麼說現在要趕快去申請新青安，他們心裡就是想如果現在不買的話，以後價錢會越來越高啊，那現在政府有這一筆錢讓我去跟銀行貸款，利率又這麼低，寬限5年，可以延長到40年，對他們來講，現在不買的話，以後買的價格會更高啊！所以我才認為，你追回來的才十幾萬的利息補貼，但是5年之後如果房子賣出去，這個價差是數百萬耶！所以這根本不符合比例吧，部長？"],["莊部長翠雲：委員，我想第一個是多少會賺多少的問題，當然這個其實誰也說不準，因為房地產的趨勢……"],["李委員坤城：但是房地產趨勢是往上漲的。"],["莊部長翠雲：趨勢是往上漲，但是漲的幅度不一定是可以……"],["李委員坤城：漲的幅度高於十幾萬的利息補貼啦，所以我的意思是說，講起來好像有三大管制措施，但是對於投資人和投機人來講，根本沒有什麼殺傷力啊！"],["莊部長翠雲：跟新青安貸款用意不符的部分，我們會去做剛剛講的一些精進的措施，其他的部分內政部也都在處理。"],["李委員坤城：對，我知道啦，我只是點出來，在財政部的手段這方面，你利息補貼把它收起來，寬限年限把它縮短，對他們來講不痛不癢啊！"],["莊部長翠雲：是，我想政府這樣做是幫助沒有房子的年輕人去買房子，其實要珍惜。"],["李委員坤城：這個我們都知道，這個政策也沒有說不好，但是我們知道它有一些漏洞了，所以我們要抓出它漏洞在哪裡。"],["莊部長翠雲：是。"],["李委員坤城：再請問一下，有人以40年試算過，如果借了1,000萬元，40年要償還1,550萬元，是不是？利息多了550萬元？"],["莊部長翠雲：市場上我有看到報載也有這樣在計算，但是我們認為給你5年的寬限期，不用繳本金，只要繳利息，我覺得年輕人會在這個時候，比如發年終獎金等等有些餘裕的時候就可以提早還本金，讓自己的負擔減輕。"],["李委員坤城：我是講40年的利息會增加550萬元。此外還有一個，就是5年寬限期結束之後，償還本金壓力會大增，就算用40年的利息來看，5年之後每個月要償還3.46萬，每個月喔！但是我們看2022年的平均受僱薪資的中位數統計，全年才51萬、52萬，就是未來他每個月償還本金的支出會占他的收入大概六、七成以上，這個對於年輕人來講是非常大的壓力，這些都是大家所點出來的一些問題，院長還沒有確定最後這個新青安問題要怎麼解決？"],["莊部長翠雲：我想銀行貸款的時候也會考量借款人的收入跟支出的情況，都會做考慮的。"],["李委員坤城：那你們哪時候會有一個跨部會的共識出來？"],["莊部長翠雲：我想應該院裡面會最後做政策的裁示，如果有的話就會對外說明。"],["李委員坤城：月底？"],["莊部長翠雲：現在已經26號了，差不多就是月底了。"],["李委員坤城：很多人都關心，這是好的政策，但是很多好的政策就很容易被一些投機人所扭曲。"],["莊部長翠雲：對。"],["李委員坤城：政府的政策就是儘量用我們的政策工具，把被扭曲的部分再把它轉正過來，好不好？"],["莊部長翠雲：是的，謝謝委員。"],["李委員坤城：謝謝主席，謝謝部長。"],["主席：謝謝李坤城委員的質詢。","接著請張嘉郡委員、張嘉郡委員，張嘉郡委員不在。","接著請鄭天財委員質詢。"]],"agenda":{"page_end":252,"meet_id":"委員會-11-1-20-19","speakers":["郭國文","顏寬恒","林德福","吳秉叡","賴士葆","賴惠員","李彥秀","羅明才","黃珊珊","伍麗華Saidhai‧Tahovecahe","李坤城","鄭天財Sra 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0.949}, {\"word\": \"接\", \"start\": 759.516, \"end\": 759.696, \"score\": 0.907}, {\"word\": \"著\", \"start\": 759.696, \"end\": 760.036, \"score\": 0.879}, {\"word\": \"我\", \"start\": 760.036, \"end\": 760.376, \"score\": 0.941}, {\"word\": \"們\"}, {\"word\": \"請\"}, {\"word\": \"鄭\"}, {\"word\": \"天\", \"start\": 760.376, \"end\": 760.556, \"score\": 0.999}, {\"word\": \"財\"}, {\"word\": \"委\", \"start\": 760.556, \"end\": 760.576, \"score\": 0.0}, {\"word\": \"員\"}, {\"word\": \"質\"}, {\"word\": \"詢\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,049 --> 00:00:00,869\n新青安跟舊青安跟過去的青年貸款有什麼不一樣?\n\n2\n00:00:17,193 --> 00:00:34,908\n新青安貸款其實從民國99年12月就開始開辦了那在去年的8月1號開始所謂的新青安那最主要就是我們把貸款額度從800萬提高到1000萬因為從99年到現在事實上房價是有調整高的所以把那個貸款額度提高\n\n3\n00:00:35,428 --> 00:00:35,888\n﹚李坤城﹚\n\n4\n00:01:03,499 --> 00:01:15,087\n立期的補貼,因為這個公股航庫跟這個內政部的住宅基金有合計補貼兩碼啦。是的,那是因為央行的升息,是陸續升息,不是一開始。一開始新清安事實上那個,我們的公股航庫事實上是從111年3月就開始自行吸收半碼,就是減少半碼的收取。\n\n5\n00:01:24,213 --> 00:01:25,473\n當時說3年的利息補貼,是。好,那星期二到何時結束?\n\n6\n00:01:52,065 --> 00:02:21,440\n新清安沒有所謂的結束,沒有結束,只是利息補貼有結束。對,利息補貼到哪時候?115年的7月底。好,那我先請教一下部長,就是說我們的貸款額度有增加200萬,然後寬限期增加2年,然後寬限的還款年限也增加10年嘛,對不對?那我認為啦,新清安其實是民時不符,民時不符。這個新清安,過去新年貸款有沒有一個年紀的限制啊?\n\n7\n00:02:23,348 --> 00:02:52,464\n過去是沒有一直都沒有年齡的限制但是呢40歲以下事實上佔了73%換言之是以青壯族為主啊所以基本上都是用40歲來做一個劃分啊對那這是新青鞍齁這個齁你從18歲到88歲其實都可以買欸對不對但是73%、75%都是40歲以下的不一定喔那有些人可能是這一個這個父母買啊但是是用年輕人的這個名義也都有可能啊\n\n8\n00:02:54,196 --> 00:03:16,135\n父母出錢?對阿父母出錢阿那但是說名字上面是年輕人的名字是?然後也跟委員報道對我的意思是說阿就是說我們這個新青康這個沒有任何的年齡限制我們只要這個成年就可以了就算父母有房子但是呢這個我子女呢是成年就可以他只要成年人他沒有房子就可以嘛對不對\n\n9\n00:03:17,629 --> 00:03:35,831\n對阿,他是這個,這個第一個齁,跟青年其實沒有什麼關係,我說過齁,他60歲也可以買,80歲也可以買,所以他跟新青安齁,這個跟青年是畫不上關係的那這個卓院長齁,他有提到說新青安其實齁,補貼的這個原因是非常好,是幫助年輕人買房\n\n10\n00:03:37,065 --> 00:03:48,321\n那這個時候房價高漲也沒有說單一的元素不一定都歸就在新清安但是他也認為新清安可能會有一些問題所以他也特別召開了會議對不對\n\n11\n00:03:51,391 --> 00:04:07,646\n部長也有參加嗎?有參加那這個部長這個會議中有沒有提出什麼樣的一個這個來遏止或是來解決這個新清安所衍生的一些問題?根本的報告在會議中我們大概就把新清安執行的情形做了一個分析報告\n\n12\n00:04:08,306 --> 00:04:20,336\n例如說我們報告裡面就是說事實上運用新安貸款然後去買的房屋1500萬就是總價是房屋總價不是貸款額多你們有三項解決的方法就對了嘛對那解決方法貸前貸後還有這些對貸前方法都有那等一下我要請教這些問題我就說這個主委員長他有提到然後這個他注意到一些問題那這個內政部長劉士芳他有提到嘛\n\n13\n00:04:36,508 --> 00:04:50,846\n他說新清安不宜再加碼補助他認為這樣子對房市的意志會有一點效果所以他呼籲中央銀行還有財政部在考慮新清安貸款的時候不宜再加碼補助這是內政部的部長他的說法\n\n14\n00:04:54,711 --> 00:05:12,140\n其實央行總裁楊金榮其實講得更多了在上次召開聯席會議的時候他提到說新清安房貸是利益良善屬於政府健全房市的一環但是呢但是第一個造成移轉動作增加有它的衝擊那第二呢\n\n15\n00:05:12,700 --> 00:05:33,232\n央行也去調查公庫行庫的新清安房貸,主要是有些房產是在父母的名下,但是以子女為借款人。央行關注的焦點是說當子女去申貸新清安的時候,是否會涉及到央行對第二戶貸款的管制措施。這是央行的。\n\n16\n00:05:33,992 --> 00:06:03,113\n他提醒年輕人要注意財務管理不要只看目前還有警示防貸主若還不起債務的話銀行也會跟著受害但是對於有什麼漏洞這是財政部的職責央行不會越主帶袍這是央行的說法所以請教一下我剛提到有關卓院長還包含內政部長還有央行總裁金管會可能也有沒注意到財政部的做法\n\n17\n00:06:04,605 --> 00:06:16,715\n我們的經濟措施包含就是說對於公股、航空在辦理薪金案貸款的時候你在撥貸前要確實的查核是不是屬於投資客還有人頭顧客的模式這個部分其實銀行公會都有銀行公會其實都有規範相關的太陽所以這個太陽事實上是歷年累積下來\n\n18\n00:06:51,303 --> 00:06:57,969\n那另外對於新貸戶他就要寫切結書告訴他說你如果有違規的話就要追加權當然違規的情況第一個他不符合清安貸款的一個資格條件當然就不應該享用清安貸款的一些優惠比如說利息的一個補貼就不能享用啦對不對\n\n19\n00:07:11,839 --> 00:07:34,244\n對,但是至於這個貸款其他的他符合一般貸款那他就重新談他們的貸款的一個條件就是優惠的部分把他追回來優惠就是他不符合我們利息給予補貼這個補助的目的不在於讓他去做投機跟出租嘛對不對那那所以呢那這個如果啦如果這個被被抓到的話他付出的成本會高嗎\n\n20\n00:07:37,498 --> 00:07:58,539\n他就改為一般房貸而已啊?那一般房貸有一般房貸的做法啊?對啊那他買房子申請貸款那你算一下他這樣會差多少錢?這個沒有算過要看他貸款的額度跟怎麼計算啊好那如果一千萬一千萬是用40年咧會差多少?13萬啊利息補貼大概一年13萬\n\n21\n00:07:59,784 --> 00:08:17,080\n三年十三萬。三年?因為利息補貼只有三年的期限,最長只有三年,到115年的期限。所以被你們追回來才十三萬而已嘛,對不對?對啊,可是我這樣說好像那個效果真的有限啊。但是寬限期也可能會重新談啊。\n\n22\n00:08:18,181 --> 00:08:43,656\n對阿,寬限期要重新談。寬限期最長是40年嗎?不是,寬限期是5年。喔5年齁,那5年那可能,那就縮短,那之前是3年。那我的意思是說齁,就算違規被你們抓到了,那個利息補貼損失才十幾萬而已阿,那你知道嗎?他過了5年之後,他把房子賣掉了,現在很多都是這種投資客阿,過了5年之後把房子賣掉了,他的價差都是幾百萬以上欸。\n\n23\n00:08:46,991 --> 00:09:05,749\n有喔部長,你只要看現在的媒體他都幫你試算出來了現在的房價跟5年後的房價在價差可能有到數百萬很多的年輕人為什麼說現在要趕快去申請這個新清安他們心裡就是說我現在不買的話以後價錢會越來越高啊\n\n24\n00:09:06,910 --> 00:09:29,920\n現在政府有這筆錢讓我去跟銀行貸款利率又這麼低寬限5年可以延長到40年對他們來講我現在不買以後買價格會更高所以我才認為說你以後追回來才十幾萬利息補貼但是那5年之後5年之後如果賣出去的話你價差是數百萬所以這個根本不符合比例吧部長\n\n25\n00:09:36,920 --> 00:09:57,688\n委員我想這個當然第一個是多少會賺多少這個其實誰也說不準因為房地產的趨勢但是房地產趨勢是往上漲的趨勢是往上漲但是漲的幅度漲的幅度一定高於十幾萬的利息補貼啦所以我的意思是說講起來好像有三大管制措施但是對於投資人、投機人來講根本沒有什麼殺傷力\n\n26\n00:10:03,770 --> 00:10:22,962\n我想這個部分跟新清安貸款的用意不符的部分我們會去做剛剛講的精進的一些措施那其他的部分內政部也都在處理對阿我知道啦我只是點出來就是說就在財政部的手段這方面你立行補貼把它收起來寬限年限把它縮短對我來講痛不癢阿\n\n27\n00:10:25,311 --> 00:10:38,677\n我想政府這樣做是幫助年輕人沒有房子去買,其實要珍惜。這個我們都知道,這個政策也沒有說不好,但是我們知道說它有一些漏洞了,所以我們要知道說它漏洞在哪裡。那再請問一下,這個40年的話有人試算過啦,如果是借了這個1000萬的話,40年它是要償還1550萬是不是?\n\n28\n00:10:47,270 --> 00:10:48,230\n五年寬限期結束之後,償還本金壓力\n\n29\n00:11:15,516 --> 00:11:40,574\n如果是這個就算用40年的這個利息來看每個月5年之後每個月要償還3.46萬每個月喔但是我們這個2022年的我們平均受雇薪資的中位數統計這個全年才51萬52萬就是未來啦他每個月償還本金的這個支出會佔他的收入大概六七成以上啦\n\n30\n00:11:41,194 --> 00:11:51,744\n這個對於年輕人來講是非常大的一個壓力啦這些都是點出來大家所點出來的一些問題啦希望這個你們最後這個院長還沒有最後確定嘛最後這個心態問題要怎麼解決嘛\n\n31\n00:12:25,886 --> 00:12:40,576\n政策就是盡量用我們的政策工具把他被扭曲的部分再把他轉正過來好不好是的謝謝委員是的謝謝主席謝謝部長謝謝李坤城委員的質詢接著我們請張家俊委員張家俊委員不在接著我們請鄭天財委員質詢\n\n","tsv":"start\tend\ttext\n49\t869\t新青安跟舊青安跟過去的青年貸款有什麼不一樣?\n17193\t34908\t新青安貸款其實從民國99年12月就開始開辦了那在去年的8月1號開始所謂的新青安那最主要就是我們把貸款額度從800萬提高到1000萬因為從99年到現在事實上房價是有調整高的所以把那個貸款額度提高\n35428\t35888\t﹚李坤城﹚\n63499\t75087\t立期的補貼,因為這個公股航庫跟這個內政部的住宅基金有合計補貼兩碼啦。是的,那是因為央行的升息,是陸續升息,不是一開始。一開始新清安事實上那個,我們的公股航庫事實上是從111年3月就開始自行吸收半碼,就是減少半碼的收取。\n84213\t85473\t當時說3年的利息補貼,是。好,那星期二到何時結束?\n112065\t141440\t新清安沒有所謂的結束,沒有結束,只是利息補貼有結束。對,利息補貼到哪時候?115年的7月底。好,那我先請教一下部長,就是說我們的貸款額度有增加200萬,然後寬限期增加2年,然後寬限的還款年限也增加10年嘛,對不對?那我認為啦,新清安其實是民時不符,民時不符。這個新清安,過去新年貸款有沒有一個年紀的限制啊?\n143348\t172464\t過去是沒有一直都沒有年齡的限制但是呢40歲以下事實上佔了73%換言之是以青壯族為主啊所以基本上都是用40歲來做一個劃分啊對那這是新青鞍齁這個齁你從18歲到88歲其實都可以買欸對不對但是73%、75%都是40歲以下的不一定喔那有些人可能是這一個這個父母買啊但是是用年輕人的這個名義也都有可能啊\n174196\t196135\t父母出錢?對阿父母出錢阿那但是說名字上面是年輕人的名字是?然後也跟委員報道對我的意思是說阿就是說我們這個新青康這個沒有任何的年齡限制我們只要這個成年就可以了就算父母有房子但是呢這個我子女呢是成年就可以他只要成年人他沒有房子就可以嘛對不對\n197629\t215831\t對阿,他是這個,這個第一個齁,跟青年其實沒有什麼關係,我說過齁,他60歲也可以買,80歲也可以買,所以他跟新青安齁,這個跟青年是畫不上關係的那這個卓院長齁,他有提到說新青安其實齁,補貼的這個原因是非常好,是幫助年輕人買房\n217065\t228321\t那這個時候房價高漲也沒有說單一的元素不一定都歸就在新清安但是他也認為新清安可能會有一些問題所以他也特別召開了會議 對不對\n231391\t247646\t部長也有參加嗎?有參加那這個部長這個會議中有沒有提出什麼樣的一個這個來遏止或是來解決這個新清安所衍生的一些問題?根本的報告在會議中我們大概就把新清安執行的情形做了一個分析報告\n248306\t260336\t例如說我們報告裡面就是說事實上運用新安貸款然後去買的房屋1500萬就是總價是房屋總價不是貸款額多你們有三項解決的方法就對了嘛對那解決方法貸前貸後還有這些對貸前方法都有那等一下我要請教這些問題我就說這個主委員長他有提到然後這個他注意到一些問題那這個內政部長劉士芳他有提到嘛\n276508\t290846\t他說新清安不宜再加碼補助他認為這樣子對房市的意志會有一點效果所以他呼籲中央銀行還有財政部在考慮新清安貸款的時候不宜再加碼補助這是內政部的部長他的說法\n294711\t312140\t其實央行總裁楊金榮其實講得更多了在上次召開聯席會議的時候他提到說新清安房貸是利益良善屬於政府健全房市的一環但是呢但是第一個造成移轉動作增加有它的衝擊那第二呢\n312700\t333232\t央行也去調查公庫行庫的新清安房貸,主要是有些房產是在父母的名下,但是以子女為借款人。央行關注的焦點是說當子女去申貸新清安的時候,是否會涉及到央行對第二戶貸款的管制措施。這是央行的。\n333992\t363113\t他提醒年輕人要注意財務管理不要只看目前還有警示防貸主若還不起債務的話銀行也會跟著受害但是對於有什麼漏洞這是財政部的職責央行不會越主帶袍這是央行的說法所以請教一下我剛提到有關卓院長還包含內政部長還有央行總裁金管會可能也有沒注意到財政部的做法\n364605\t376715\t我們的經濟措施包含就是說對於公股、航空在辦理薪金案貸款的時候你在撥貸前要確實的查核是不是屬於投資客還有人頭顧客的模式這個部分其實銀行公會都有銀行公會其實都有規範相關的太陽所以這個太陽事實上是歷年累積下來\n388524\t411203\t⋯⋯⋯⋯⋯\n411303\t417969\t那另外對於新貸戶他就要寫切結書告訴他說你如果有違規的話就要追加權當然違規的情況第一個他不符合清安貸款的一個資格條件當然就不應該享用清安貸款的一些優惠比如說利息的一個補貼就不能享用啦對不對\n431839\t454244\t對,但是至於這個貸款其他的他符合一般貸款那他就重新談他們的貸款的一個條件就是優惠的部分把他追回來優惠就是他不符合我們利息給予補貼這個補助的目的不在於讓他去做投機跟出租嘛對不對那那所以呢那這個如果啦如果這個被被抓到的話他付出的成本會高嗎\n457498\t478539\t他就改為一般房貸而已啊?那一般房貸有一般房貸的做法啊?對啊那他買房子申請貸款那你算一下他這樣會差多少錢?這個沒有算過要看他貸款的額度跟怎麼計算啊好那如果一千萬一千萬是用40年咧會差多少?13萬啊利息補貼大概一年13萬\n479784\t497080\t三年十三萬。三年?因為利息補貼只有三年的期限,最長只有三年,到115年的期限。所以被你們追回來才十三萬而已嘛,對不對?對啊,可是我這樣說好像那個效果真的有限啊。但是寬限期也可能會重新談啊。\n498181\t523656\t對阿,寬限期要重新談。寬限期最長是40年嗎?不是,寬限期是5年。喔5年齁,那5年那可能,那就縮短,那之前是3年。那我的意思是說齁,就算違規被你們抓到了,那個利息補貼損失才十幾萬而已阿,那你知道嗎?他過了5年之後,他把房子賣掉了,現在很多都是這種投資客阿,過了5年之後把房子賣掉了,他的價差都是幾百萬以上欸。\n526991\t545749\t有喔部長,你只要看現在的媒體他都幫你試算出來了現在的房價跟5年後的房價在價差可能有到數百萬很多的年輕人為什麼說現在要趕快去申請這個新清安他們心裡就是說我現在不買的話以後價錢會越來越高啊\n546910\t569920\t現在政府有這筆錢讓我去跟銀行貸款利率又這麼低寬限5年可以延長到40年對他們來講我現在不買以後買價格會更高所以我才認為說你以後追回來才十幾萬利息補貼但是那5年之後5年之後如果賣出去的話你價差是數百萬所以這個根本不符合比例吧部長\n576920\t597688\t委員我想這個當然第一個是多少會賺多少這個其實誰也說不準因為房地產的趨勢但是房地產趨勢是往上漲的趨勢是往上漲但是漲的幅度漲的幅度一定高於十幾萬的利息補貼啦所以我的意思是說講起來好像有三大管制措施但是對於投資人、投機人來講根本沒有什麼殺傷力\n603770\t622962\t我想這個部分跟新清安貸款的用意不符的部分我們會去做剛剛講的精進的一些措施那其他的部分內政部也都在處理對阿我知道啦我只是點出來就是說就在財政部的手段這方面你立行補貼把它收起來寬限年限把它縮短對我來講痛不癢阿\n625311\t638677\t我想政府這樣做是幫助年輕人沒有房子去買,其實要珍惜。這個我們都知道,這個政策也沒有說不好,但是我們知道說它有一些漏洞了,所以我們要知道說它漏洞在哪裡。那再請問一下,這個40年的話有人試算過啦,如果是借了這個1000萬的話,40年它是要償還1550萬是不是?\n647270\t648230\t五年寬限期結束之後,償還本金壓力\n675516\t700574\t如果是這個就算用40年的這個利息來看每個月5年之後每個月要償還3.46萬每個月喔但是我們這個2022年的我們平均受雇薪資的中位數統計這個全年才51萬52萬就是未來啦他每個月償還本金的這個支出會佔他的收入大概六七成以上啦\n701194\t711744\t這個對於年輕人來講是非常大的一個壓力啦這些都是點出來大家所點出來的一些問題啦希望這個你們最後這個院長還沒有最後確定嘛最後這個心態問題要怎麼解決嘛\n715674\t745606\t⋯⋯⋯⋯⋯\n745886\t760576\t政策就是盡量用我們的政策工具把他被扭曲的部分再把他轉正過來好不好是的謝謝委員是的謝謝主席謝謝部長謝謝李坤城委員的質詢接著我們請張家俊委員張家俊委員不在接著我們請鄭天財委員質詢\n","txt":"新青安跟舊青安跟過去的青年貸款有什麼不一樣?\n新青安貸款其實從民國99年12月就開始開辦了那在去年的8月1號開始所謂的新青安那最主要就是我們把貸款額度從800萬提高到1000萬因為從99年到現在事實上房價是有調整高的所以把那個貸款額度提高\n﹚李坤城﹚\n立期的補貼,因為這個公股航庫跟這個內政部的住宅基金有合計補貼兩碼啦。是的,那是因為央行的升息,是陸續升息,不是一開始。一開始新清安事實上那個,我們的公股航庫事實上是從111年3月就開始自行吸收半碼,就是減少半碼的收取。\n當時說3年的利息補貼,是。好,那星期二到何時結束?\n新清安沒有所謂的結束,沒有結束,只是利息補貼有結束。對,利息補貼到哪時候?115年的7月底。好,那我先請教一下部長,就是說我們的貸款額度有增加200萬,然後寬限期增加2年,然後寬限的還款年限也增加10年嘛,對不對?那我認為啦,新清安其實是民時不符,民時不符。這個新清安,過去新年貸款有沒有一個年紀的限制啊?\n過去是沒有一直都沒有年齡的限制但是呢40歲以下事實上佔了73%換言之是以青壯族為主啊所以基本上都是用40歲來做一個劃分啊對那這是新青鞍齁這個齁你從18歲到88歲其實都可以買欸對不對但是73%、75%都是40歲以下的不一定喔那有些人可能是這一個這個父母買啊但是是用年輕人的這個名義也都有可能啊\n父母出錢?對阿父母出錢阿那但是說名字上面是年輕人的名字是?然後也跟委員報道對我的意思是說阿就是說我們這個新青康這個沒有任何的年齡限制我們只要這個成年就可以了就算父母有房子但是呢這個我子女呢是成年就可以他只要成年人他沒有房子就可以嘛對不對\n對阿,他是這個,這個第一個齁,跟青年其實沒有什麼關係,我說過齁,他60歲也可以買,80歲也可以買,所以他跟新青安齁,這個跟青年是畫不上關係的那這個卓院長齁,他有提到說新青安其實齁,補貼的這個原因是非常好,是幫助年輕人買房\n那這個時候房價高漲也沒有說單一的元素不一定都歸就在新清安但是他也認為新清安可能會有一些問題所以他也特別召開了會議 對不對\n部長也有參加嗎?有參加那這個部長這個會議中有沒有提出什麼樣的一個這個來遏止或是來解決這個新清安所衍生的一些問題?根本的報告在會議中我們大概就把新清安執行的情形做了一個分析報告\n例如說我們報告裡面就是說事實上運用新安貸款然後去買的房屋1500萬就是總價是房屋總價不是貸款額多你們有三項解決的方法就對了嘛對那解決方法貸前貸後還有這些對貸前方法都有那等一下我要請教這些問題我就說這個主委員長他有提到然後這個他注意到一些問題那這個內政部長劉士芳他有提到嘛\n他說新清安不宜再加碼補助他認為這樣子對房市的意志會有一點效果所以他呼籲中央銀行還有財政部在考慮新清安貸款的時候不宜再加碼補助這是內政部的部長他的說法\n其實央行總裁楊金榮其實講得更多了在上次召開聯席會議的時候他提到說新清安房貸是利益良善屬於政府健全房市的一環但是呢但是第一個造成移轉動作增加有它的衝擊那第二呢\n央行也去調查公庫行庫的新清安房貸,主要是有些房產是在父母的名下,但是以子女為借款人。央行關注的焦點是說當子女去申貸新清安的時候,是否會涉及到央行對第二戶貸款的管制措施。這是央行的。\n他提醒年輕人要注意財務管理不要只看目前還有警示防貸主若還不起債務的話銀行也會跟著受害但是對於有什麼漏洞這是財政部的職責央行不會越主帶袍這是央行的說法所以請教一下我剛提到有關卓院長還包含內政部長還有央行總裁金管會可能也有沒注意到財政部的做法\n我們的經濟措施包含就是說對於公股、航空在辦理薪金案貸款的時候你在撥貸前要確實的查核是不是屬於投資客還有人頭顧客的模式這個部分其實銀行公會都有銀行公會其實都有規範相關的太陽所以這個太陽事實上是歷年累積下來\n⋯⋯⋯⋯⋯\n那另外對於新貸戶他就要寫切結書告訴他說你如果有違規的話就要追加權當然違規的情況第一個他不符合清安貸款的一個資格條件當然就不應該享用清安貸款的一些優惠比如說利息的一個補貼就不能享用啦對不對\n對,但是至於這個貸款其他的他符合一般貸款那他就重新談他們的貸款的一個條件就是優惠的部分把他追回來優惠就是他不符合我們利息給予補貼這個補助的目的不在於讓他去做投機跟出租嘛對不對那那所以呢那這個如果啦如果這個被被抓到的話他付出的成本會高嗎\n他就改為一般房貸而已啊?那一般房貸有一般房貸的做法啊?對啊那他買房子申請貸款那你算一下他這樣會差多少錢?這個沒有算過要看他貸款的額度跟怎麼計算啊好那如果一千萬一千萬是用40年咧會差多少?13萬啊利息補貼大概一年13萬\n三年十三萬。三年?因為利息補貼只有三年的期限,最長只有三年,到115年的期限。所以被你們追回來才十三萬而已嘛,對不對?對啊,可是我這樣說好像那個效果真的有限啊。但是寬限期也可能會重新談啊。\n對阿,寬限期要重新談。寬限期最長是40年嗎?不是,寬限期是5年。喔5年齁,那5年那可能,那就縮短,那之前是3年。那我的意思是說齁,就算違規被你們抓到了,那個利息補貼損失才十幾萬而已阿,那你知道嗎?他過了5年之後,他把房子賣掉了,現在很多都是這種投資客阿,過了5年之後把房子賣掉了,他的價差都是幾百萬以上欸。\n有喔部長,你只要看現在的媒體他都幫你試算出來了現在的房價跟5年後的房價在價差可能有到數百萬很多的年輕人為什麼說現在要趕快去申請這個新清安他們心裡就是說我現在不買的話以後價錢會越來越高啊\n現在政府有這筆錢讓我去跟銀行貸款利率又這麼低寬限5年可以延長到40年對他們來講我現在不買以後買價格會更高所以我才認為說你以後追回來才十幾萬利息補貼但是那5年之後5年之後如果賣出去的話你價差是數百萬所以這個根本不符合比例吧部長\n委員我想這個當然第一個是多少會賺多少這個其實誰也說不準因為房地產的趨勢但是房地產趨勢是往上漲的趨勢是往上漲但是漲的幅度漲的幅度一定高於十幾萬的利息補貼啦所以我的意思是說講起來好像有三大管制措施但是對於投資人、投機人來講根本沒有什麼殺傷力\n我想這個部分跟新清安貸款的用意不符的部分我們會去做剛剛講的精進的一些措施那其他的部分內政部也都在處理對阿我知道啦我只是點出來就是說就在財政部的手段這方面你立行補貼把它收起來寬限年限把它縮短對我來講痛不癢阿\n我想政府這樣做是幫助年輕人沒有房子去買,其實要珍惜。這個我們都知道,這個政策也沒有說不好,但是我們知道說它有一些漏洞了,所以我們要知道說它漏洞在哪裡。那再請問一下,這個40年的話有人試算過啦,如果是借了這個1000萬的話,40年它是要償還1550萬是不是?\n五年寬限期結束之後,償還本金壓力\n如果是這個就算用40年的這個利息來看每個月5年之後每個月要償還3.46萬每個月喔但是我們這個2022年的我們平均受雇薪資的中位數統計這個全年才51萬52萬就是未來啦他每個月償還本金的這個支出會佔他的收入大概六七成以上啦\n這個對於年輕人來講是非常大的一個壓力啦這些都是點出來大家所點出來的一些問題啦希望這個你們最後這個院長還沒有最後確定嘛最後這個心態問題要怎麼解決嘛\n⋯⋯⋯⋯⋯\n政策就是盡量用我們的政策工具把他被扭曲的部分再把他轉正過來好不好是的謝謝委員是的謝謝主席謝謝部長謝謝李坤城委員的質詢接著我們請張家俊委員張家俊委員不在接著我們請鄭天財委員質詢\n","vtt":"WEBVTT\n\n00:00.049 --> 00:00.869\n新青安跟舊青安跟過去的青年貸款有什麼不一樣?\n\n00:17.193 --> 00:34.908\n新青安貸款其實從民國99年12月就開始開辦了那在去年的8月1號開始所謂的新青安那最主要就是我們把貸款額度從800萬提高到1000萬因為從99年到現在事實上房價是有調整高的所以把那個貸款額度提高\n\n00:35.428 --> 00:35.888\n﹚李坤城﹚\n\n01:03.499 --> 01:15.087\n立期的補貼,因為這個公股航庫跟這個內政部的住宅基金有合計補貼兩碼啦。是的,那是因為央行的升息,是陸續升息,不是一開始。一開始新清安事實上那個,我們的公股航庫事實上是從111年3月就開始自行吸收半碼,就是減少半碼的收取。\n\n01:24.213 --> 01:25.473\n當時說3年的利息補貼,是。好,那星期二到何時結束?\n\n01:52.065 --> 02:21.440\n新清安沒有所謂的結束,沒有結束,只是利息補貼有結束。對,利息補貼到哪時候?115年的7月底。好,那我先請教一下部長,就是說我們的貸款額度有增加200萬,然後寬限期增加2年,然後寬限的還款年限也增加10年嘛,對不對?那我認為啦,新清安其實是民時不符,民時不符。這個新清安,過去新年貸款有沒有一個年紀的限制啊?\n\n02:23.348 --> 02:52.464\n過去是沒有一直都沒有年齡的限制但是呢40歲以下事實上佔了73%換言之是以青壯族為主啊所以基本上都是用40歲來做一個劃分啊對那這是新青鞍齁這個齁你從18歲到88歲其實都可以買欸對不對但是73%、75%都是40歲以下的不一定喔那有些人可能是這一個這個父母買啊但是是用年輕人的這個名義也都有可能啊\n\n02:54.196 --> 03:16.135\n父母出錢?對阿父母出錢阿那但是說名字上面是年輕人的名字是?然後也跟委員報道對我的意思是說阿就是說我們這個新青康這個沒有任何的年齡限制我們只要這個成年就可以了就算父母有房子但是呢這個我子女呢是成年就可以他只要成年人他沒有房子就可以嘛對不對\n\n03:17.629 --> 03:35.831\n對阿,他是這個,這個第一個齁,跟青年其實沒有什麼關係,我說過齁,他60歲也可以買,80歲也可以買,所以他跟新青安齁,這個跟青年是畫不上關係的那這個卓院長齁,他有提到說新青安其實齁,補貼的這個原因是非常好,是幫助年輕人買房\n\n03:37.065 --> 03:48.321\n那這個時候房價高漲也沒有說單一的元素不一定都歸就在新清安但是他也認為新清安可能會有一些問題所以他也特別召開了會議對不對\n\n03:51.391 --> 04:07.646\n部長也有參加嗎?有參加那這個部長這個會議中有沒有提出什麼樣的一個這個來遏止或是來解決這個新清安所衍生的一些問題?根本的報告在會議中我們大概就把新清安執行的情形做了一個分析報告\n\n04:08.306 --> 04:20.336\n例如說我們報告裡面就是說事實上運用新安貸款然後去買的房屋1500萬就是總價是房屋總價不是貸款額多你們有三項解決的方法就對了嘛對那解決方法貸前貸後還有這些對貸前方法都有那等一下我要請教這些問題我就說這個主委員長他有提到然後這個他注意到一些問題那這個內政部長劉士芳他有提到嘛\n\n04:36.508 --> 04:50.846\n他說新清安不宜再加碼補助他認為這樣子對房市的意志會有一點效果所以他呼籲中央銀行還有財政部在考慮新清安貸款的時候不宜再加碼補助這是內政部的部長他的說法\n\n04:54.711 --> 05:12.140\n其實央行總裁楊金榮其實講得更多了在上次召開聯席會議的時候他提到說新清安房貸是利益良善屬於政府健全房市的一環但是呢但是第一個造成移轉動作增加有它的衝擊那第二呢\n\n05:12.700 --> 05:33.232\n央行也去調查公庫行庫的新清安房貸,主要是有些房產是在父母的名下,但是以子女為借款人。央行關注的焦點是說當子女去申貸新清安的時候,是否會涉及到央行對第二戶貸款的管制措施。這是央行的。\n\n05:33.992 --> 06:03.113\n他提醒年輕人要注意財務管理不要只看目前還有警示防貸主若還不起債務的話銀行也會跟著受害但是對於有什麼漏洞這是財政部的職責央行不會越主帶袍這是央行的說法所以請教一下我剛提到有關卓院長還包含內政部長還有央行總裁金管會可能也有沒注意到財政部的做法\n\n06:04.605 --> 06:16.715\n我們的經濟措施包含就是說對於公股、航空在辦理薪金案貸款的時候你在撥貸前要確實的查核是不是屬於投資客還有人頭顧客的模式這個部分其實銀行公會都有銀行公會其實都有規範相關的太陽所以這個太陽事實上是歷年累積下來\n\n06:51.303 --> 06:57.969\n那另外對於新貸戶他就要寫切結書告訴他說你如果有違規的話就要追加權當然違規的情況第一個他不符合清安貸款的一個資格條件當然就不應該享用清安貸款的一些優惠比如說利息的一個補貼就不能享用啦對不對\n\n07:11.839 --> 07:34.244\n對,但是至於這個貸款其他的他符合一般貸款那他就重新談他們的貸款的一個條件就是優惠的部分把他追回來優惠就是他不符合我們利息給予補貼這個補助的目的不在於讓他去做投機跟出租嘛對不對那那所以呢那這個如果啦如果這個被被抓到的話他付出的成本會高嗎\n\n07:37.498 --> 07:58.539\n他就改為一般房貸而已啊?那一般房貸有一般房貸的做法啊?對啊那他買房子申請貸款那你算一下他這樣會差多少錢?這個沒有算過要看他貸款的額度跟怎麼計算啊好那如果一千萬一千萬是用40年咧會差多少?13萬啊利息補貼大概一年13萬\n\n07:59.784 --> 08:17.080\n三年十三萬。三年?因為利息補貼只有三年的期限,最長只有三年,到115年的期限。所以被你們追回來才十三萬而已嘛,對不對?對啊,可是我這樣說好像那個效果真的有限啊。但是寬限期也可能會重新談啊。\n\n08:18.181 --> 08:43.656\n對阿,寬限期要重新談。寬限期最長是40年嗎?不是,寬限期是5年。喔5年齁,那5年那可能,那就縮短,那之前是3年。那我的意思是說齁,就算違規被你們抓到了,那個利息補貼損失才十幾萬而已阿,那你知道嗎?他過了5年之後,他把房子賣掉了,現在很多都是這種投資客阿,過了5年之後把房子賣掉了,他的價差都是幾百萬以上欸。\n\n08:46.991 --> 09:05.749\n有喔部長,你只要看現在的媒體他都幫你試算出來了現在的房價跟5年後的房價在價差可能有到數百萬很多的年輕人為什麼說現在要趕快去申請這個新清安他們心裡就是說我現在不買的話以後價錢會越來越高啊\n\n09:06.910 --> 09:29.920\n現在政府有這筆錢讓我去跟銀行貸款利率又這麼低寬限5年可以延長到40年對他們來講我現在不買以後買價格會更高所以我才認為說你以後追回來才十幾萬利息補貼但是那5年之後5年之後如果賣出去的話你價差是數百萬所以這個根本不符合比例吧部長\n\n09:36.920 --> 09:57.688\n委員我想這個當然第一個是多少會賺多少這個其實誰也說不準因為房地產的趨勢但是房地產趨勢是往上漲的趨勢是往上漲但是漲的幅度漲的幅度一定高於十幾萬的利息補貼啦所以我的意思是說講起來好像有三大管制措施但是對於投資人、投機人來講根本沒有什麼殺傷力\n\n10:03.770 --> 10:22.962\n我想這個部分跟新清安貸款的用意不符的部分我們會去做剛剛講的精進的一些措施那其他的部分內政部也都在處理對阿我知道啦我只是點出來就是說就在財政部的手段這方面你立行補貼把它收起來寬限年限把它縮短對我來講痛不癢阿\n\n10:25.311 --> 10:38.677\n我想政府這樣做是幫助年輕人沒有房子去買,其實要珍惜。這個我們都知道,這個政策也沒有說不好,但是我們知道說它有一些漏洞了,所以我們要知道說它漏洞在哪裡。那再請問一下,這個40年的話有人試算過啦,如果是借了這個1000萬的話,40年它是要償還1550萬是不是?\n\n10:47.270 --> 10:48.230\n五年寬限期結束之後,償還本金壓力\n\n11:15.516 --> 11:40.574\n如果是這個就算用40年的這個利息來看每個月5年之後每個月要償還3.46萬每個月喔但是我們這個2022年的我們平均受雇薪資的中位數統計這個全年才51萬52萬就是未來啦他每個月償還本金的這個支出會佔他的收入大概六七成以上啦\n\n11:41.194 --> 11:51.744\n這個對於年輕人來講是非常大的一個壓力啦這些都是點出來大家所點出來的一些問題啦希望這個你們最後這個院長還沒有最後確定嘛最後這個心態問題要怎麼解決嘛\n\n12:25.886 --> 12:40.576\n政策就是盡量用我們的政策工具把他被扭曲的部分再把他轉正過來好不好是的謝謝委員是的謝謝主席謝謝部長謝謝李坤城委員的質詢接著我們請張家俊委員張家俊委員不在接著我們請鄭天財委員質詢\n\n","segments":[{"start":0.049,"end":0.869,"text":"新青安跟舊青安跟過去的青年貸款有什麼不一樣?"},{"start":17.193,"end":34.908,"text":"新青安貸款其實從民國99年12月就開始開辦了那在去年的8月1號開始所謂的新青安那最主要就是我們把貸款額度從800萬提高到1000萬因為從99年到現在事實上房價是有調整高的所以把那個貸款額度提高"},{"start":35.428,"end":35.888,"text":"﹚李坤城﹚"},{"start":63.499,"end":75.087,"text":"立期的補貼,因為這個公股航庫跟這個內政部的住宅基金有合計補貼兩碼啦。是的,那是因為央行的升息,是陸續升息,不是一開始。一開始新清安事實上那個,我們的公股航庫事實上是從111年3月就開始自行吸收半碼,就是減少半碼的收取。"},{"start":84.213,"end":85.473,"text":"當時說3年的利息補貼,是。好,那星期二到何時結束?"},{"start":112.065,"end":141.44,"text":"新清安沒有所謂的結束,沒有結束,只是利息補貼有結束。對,利息補貼到哪時候?115年的7月底。好,那我先請教一下部長,就是說我們的貸款額度有增加200萬,然後寬限期增加2年,然後寬限的還款年限也增加10年嘛,對不對?那我認為啦,新清安其實是民時不符,民時不符。這個新清安,過去新年貸款有沒有一個年紀的限制啊?"},{"start":143.348,"end":172.464,"text":"過去是沒有一直都沒有年齡的限制但是呢40歲以下事實上佔了73%換言之是以青壯族為主啊所以基本上都是用40歲來做一個劃分啊對那這是新青鞍齁這個齁你從18歲到88歲其實都可以買欸對不對但是73%、75%都是40歲以下的不一定喔那有些人可能是這一個這個父母買啊但是是用年輕人的這個名義也都有可能啊"},{"start":174.196,"end":196.135,"text":"父母出錢?對阿父母出錢阿那但是說名字上面是年輕人的名字是?然後也跟委員報道對我的意思是說阿就是說我們這個新青康這個沒有任何的年齡限制我們只要這個成年就可以了就算父母有房子但是呢這個我子女呢是成年就可以他只要成年人他沒有房子就可以嘛對不對"},{"start":197.629,"end":215.831,"text":"對阿,他是這個,這個第一個齁,跟青年其實沒有什麼關係,我說過齁,他60歲也可以買,80歲也可以買,所以他跟新青安齁,這個跟青年是畫不上關係的那這個卓院長齁,他有提到說新青安其實齁,補貼的這個原因是非常好,是幫助年輕人買房"},{"start":217.065,"end":228.321,"text":"那這個時候房價高漲也沒有說單一的元素不一定都歸就在新清安但是他也認為新清安可能會有一些問題所以他也特別召開了會議 對不對"},{"start":231.391,"end":247.646,"text":"部長也有參加嗎?有參加那這個部長這個會議中有沒有提出什麼樣的一個這個來遏止或是來解決這個新清安所衍生的一些問題?根本的報告在會議中我們大概就把新清安執行的情形做了一個分析報告"},{"start":248.306,"end":260.336,"text":"例如說我們報告裡面就是說事實上運用新安貸款然後去買的房屋1500萬就是總價是房屋總價不是貸款額多你們有三項解決的方法就對了嘛對那解決方法貸前貸後還有這些對貸前方法都有那等一下我要請教這些問題我就說這個主委員長他有提到然後這個他注意到一些問題那這個內政部長劉士芳他有提到嘛"},{"start":276.508,"end":290.846,"text":"他說新清安不宜再加碼補助他認為這樣子對房市的意志會有一點效果所以他呼籲中央銀行還有財政部在考慮新清安貸款的時候不宜再加碼補助這是內政部的部長他的說法"},{"start":294.711,"end":312.14,"text":"其實央行總裁楊金榮其實講得更多了在上次召開聯席會議的時候他提到說新清安房貸是利益良善屬於政府健全房市的一環但是呢但是第一個造成移轉動作增加有它的衝擊那第二呢"},{"start":312.7,"end":333.232,"text":"央行也去調查公庫行庫的新清安房貸,主要是有些房產是在父母的名下,但是以子女為借款人。央行關注的焦點是說當子女去申貸新清安的時候,是否會涉及到央行對第二戶貸款的管制措施。這是央行的。"},{"start":333.992,"end":363.113,"text":"他提醒年輕人要注意財務管理不要只看目前還有警示防貸主若還不起債務的話銀行也會跟著受害但是對於有什麼漏洞這是財政部的職責央行不會越主帶袍這是央行的說法所以請教一下我剛提到有關卓院長還包含內政部長還有央行總裁金管會可能也有沒注意到財政部的做法"},{"start":364.605,"end":376.715,"text":"我們的經濟措施包含就是說對於公股、航空在辦理薪金案貸款的時候你在撥貸前要確實的查核是不是屬於投資客還有人頭顧客的模式這個部分其實銀行公會都有銀行公會其實都有規範相關的太陽所以這個太陽事實上是歷年累積下來"},{"start":388.524,"end":411.203,"text":"⋯⋯⋯⋯⋯"},{"start":411.303,"end":417.969,"text":"那另外對於新貸戶他就要寫切結書告訴他說你如果有違規的話就要追加權當然違規的情況第一個他不符合清安貸款的一個資格條件當然就不應該享用清安貸款的一些優惠比如說利息的一個補貼就不能享用啦對不對"},{"start":431.839,"end":454.244,"text":"對,但是至於這個貸款其他的他符合一般貸款那他就重新談他們的貸款的一個條件就是優惠的部分把他追回來優惠就是他不符合我們利息給予補貼這個補助的目的不在於讓他去做投機跟出租嘛對不對那那所以呢那這個如果啦如果這個被被抓到的話他付出的成本會高嗎"},{"start":457.498,"end":478.539,"text":"他就改為一般房貸而已啊?那一般房貸有一般房貸的做法啊?對啊那他買房子申請貸款那你算一下他這樣會差多少錢?這個沒有算過要看他貸款的額度跟怎麼計算啊好那如果一千萬一千萬是用40年咧會差多少?13萬啊利息補貼大概一年13萬"},{"start":479.784,"end":497.08,"text":"三年十三萬。三年?因為利息補貼只有三年的期限,最長只有三年,到115年的期限。所以被你們追回來才十三萬而已嘛,對不對?對啊,可是我這樣說好像那個效果真的有限啊。但是寬限期也可能會重新談啊。"},{"start":498.181,"end":523.656,"text":"對阿,寬限期要重新談。寬限期最長是40年嗎?不是,寬限期是5年。喔5年齁,那5年那可能,那就縮短,那之前是3年。那我的意思是說齁,就算違規被你們抓到了,那個利息補貼損失才十幾萬而已阿,那你知道嗎?他過了5年之後,他把房子賣掉了,現在很多都是這種投資客阿,過了5年之後把房子賣掉了,他的價差都是幾百萬以上欸。"},{"start":526.991,"end":545.749,"text":"有喔部長,你只要看現在的媒體他都幫你試算出來了現在的房價跟5年後的房價在價差可能有到數百萬很多的年輕人為什麼說現在要趕快去申請這個新清安他們心裡就是說我現在不買的話以後價錢會越來越高啊"},{"start":546.91,"end":569.92,"text":"現在政府有這筆錢讓我去跟銀行貸款利率又這麼低寬限5年可以延長到40年對他們來講我現在不買以後買價格會更高所以我才認為說你以後追回來才十幾萬利息補貼但是那5年之後5年之後如果賣出去的話你價差是數百萬所以這個根本不符合比例吧部長"},{"start":576.92,"end":597.688,"text":"委員我想這個當然第一個是多少會賺多少這個其實誰也說不準因為房地產的趨勢但是房地產趨勢是往上漲的趨勢是往上漲但是漲的幅度漲的幅度一定高於十幾萬的利息補貼啦所以我的意思是說講起來好像有三大管制措施但是對於投資人、投機人來講根本沒有什麼殺傷力"},{"start":603.77,"end":622.962,"text":"我想這個部分跟新清安貸款的用意不符的部分我們會去做剛剛講的精進的一些措施那其他的部分內政部也都在處理對阿我知道啦我只是點出來就是說就在財政部的手段這方面你立行補貼把它收起來寬限年限把它縮短對我來講痛不癢阿"},{"start":625.311,"end":638.677,"text":"我想政府這樣做是幫助年輕人沒有房子去買,其實要珍惜。這個我們都知道,這個政策也沒有說不好,但是我們知道說它有一些漏洞了,所以我們要知道說它漏洞在哪裡。那再請問一下,這個40年的話有人試算過啦,如果是借了這個1000萬的話,40年它是要償還1550萬是不是?"},{"start":647.27,"end":648.23,"text":"五年寬限期結束之後,償還本金壓力"},{"start":675.516,"end":700.574,"text":"如果是這個就算用40年的這個利息來看每個月5年之後每個月要償還3.46萬每個月喔但是我們這個2022年的我們平均受雇薪資的中位數統計這個全年才51萬52萬就是未來啦他每個月償還本金的這個支出會佔他的收入大概六七成以上啦"},{"start":701.194,"end":711.744,"text":"這個對於年輕人來講是非常大的一個壓力啦這些都是點出來大家所點出來的一些問題啦希望這個你們最後這個院長還沒有最後確定嘛最後這個心態問題要怎麼解決嘛"},{"start":715.674,"end":745.606,"text":"⋯⋯⋯⋯⋯"},{"start":745.886,"end":760.576,"text":"政策就是盡量用我們的政策工具把他被扭曲的部分再把他轉正過來好不好是的謝謝委員是的謝謝主席謝謝部長謝謝李坤城委員的質詢接著我們請張家俊委員張家俊委員不在接著我們請鄭天財委員質詢"}]}}}}