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00:00:59,020\n我想在這裡跟部長請教這樣子的一個那個數字對不對\n\n4\n00:01:05,358 --> 00:01:29,839\n委員的數字應該是對的因為您是從一開始民國99年開辦以來一直累計下來的是是我想就是說從去年7月開始那就是說我們因應了今年全球通盤黃價上漲還有就是升息的一個趨勢我們又推出了一個清安貸款的精進的方案就是我們現在講的新清安\n\n5\n00:01:31,441 --> 00:01:36,765\n新清安最主要希望進一步減輕購屋者的貸款負擔從現在最高的800萬到現在提高到1000萬這一個數字來講等於是說新清安優惠的政策\n\n6\n00:01:58,901 --> 00:02:17,775\n部長,我們中南部已經沒有一千萬以下的房子了,全部都跳上來了,尤其以我們中南部最明顯。我不知道部長有沒有聽聞這樣的一個信息?了解這個部分,那個中南部部分有一些產業的發展\n\n7\n00:02:20,277 --> 00:02:39,992\n有一些是公共建設的一個到位以後那是周遭的房地產的價格確實有一些變動是,所以這個變動是非常急劇的那所以就是說其實清安政策已經是延續了十多年的一個政策在下一頁那顯然政府一言再言\n\n8\n00:02:40,512 --> 00:03:00,258\n那就是延長它的實施可見這個政策一定有它的重要性而沒有辦法有落日條款那你覺得是不是需要有落日條款部長你的看法呢我的看法是認為說民眾他對於居住的房屋的需求他可能有自己的選擇可能有的是\n\n9\n00:03:00,738 --> 00:03:03,399\n財政部莊部長翠雲率所屬機關首長：一、邀請財政部莊部長翠雲率之二及第十二條條文修正草案財政部莊部長翠雲率之二及第十二條條文修正草案\n\n10\n00:03:28,368 --> 00:03:31,769\n一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、\n\n11\n00:03:50,393 --> 00:03:52,795\n市場市場市場市場市場市場市場市場市場市場市場市場市場市場市場\n\n12\n00:04:13,431 --> 00:04:37,971\n2018年下降到兩萬戶可是它在2024年又上來了五萬三千多戶那部長你認為就是說2018到2022就是申請那個新清安貸款的戶數這個不如之前那當然有可能可能有很多原因因為那剛好是疫情疫情的那個元素還有就是房屋買氣它降低所以就是說\n\n13\n00:04:38,852 --> 00:05:03,378\n政策你的推出以後發生了哪些問題現在接著要跟你討論是不是投機客太多還是人頭誤還是貸後就是他把它轉租了這一些亂象那事實上就是說我們財政部在6月27號我們也提出了一個新清安貸款的經濟方案你有增加了借款人限就是限貸一次這一些巴巴巴這些規定\n\n14\n00:05:04,779 --> 00:05:17,288\n請公股、行戶加強集合本席跟你肯定問題就是說我們有沒有這個政策推出了以後相關的黃帶法規他並沒有配合的一個範圍寬我們在講到了銀行法72之二\n\n15\n00:05:22,267 --> 00:05:48,830\n那這樣子的話就是銀行沒有跟著上來是不是可能可能會引發傷及無辜的一個現代人的風波呢是不是部長你的看法跟委員報告那因為這段時間因為房地產熱絡所以有關銀行的資金到流到不動產貸款這個部分事實上就是有剛剛就講比例可能稍微高了比較高\n\n16\n00:05:49,290 --> 00:06:11,461\n中央銀行也提醒了相關的我們的航庫不公民銀行庫都一樣都要注意這樣一個情況也就是避免資金過度流入到不動產市場排擠到其他的產業那我想這個部分當然會影響到整個房貸的一個結構那行政院院長也已經提出來第一個就是說我們必須要有一個順序第一個首購組\n\n17\n00:06:12,481 --> 00:06:29,021\n一定不能去影響它因為它是買第一間房子那第二個已經承諾了貸款要做另外也要去調整自己貸款就銀行的貸款結構而避免過度大額的做集中那這個部分呢對於首購主那親親安安的都是屬於首購主那應該不會受到影響\n\n18\n00:06:30,623 --> 00:06:57,843\n您有把一些就是看到了目前的一些需要解決的一個方法跟就是一些困境的那我在這裡再特別提醒你那個總統在國慶日的演說裡頭也特別再一次強調了居住的一個正義這個是非常重要的所以本席在這裡提出就是說我們所講的新清安的一個政策還是現代令的一個政策也好相關的一個討論都是以全國為範圍下一張\n\n19\n00:07:01,205 --> 00:07:20,291\n全國為範圍以外是不是每一個縣市它有各自不同的情形例如就是說今年那個科學園區跟台積電然後台南高雄的房價都上漲了很多因此本席特別跟你要求就是你在一個月內提供縣市別的新清安累積受理\n\n20\n00:07:20,851 --> 00:07:46,329\n還有累積合撥的一個戶數的一個金額那基本一起了解就是說其他的縣市那就是跟台南民眾的申請性清安的一個情形因為為什麼我們跟銀行要不到這些資料所以也希望央行協助在一個業內就是以書面提出現代令包括就是協助處理的一個措施對於就是\n\n21\n00:07:47,330 --> 00:08:07,724\n禁止草房的一個目前的成效還有就是對於全國各縣市房價的一個影響的評估提供給本席委員的要求我們會去提供這相關的資料就是縣市的一個分析就是親親愛的縣市的一個狀況好部長最後請教你以你個人的看法這一次打房是打真的還是打假的\n\n22\n00:08:09,125 --> 00:08:28,913\n這打草房不是打房是打草房是房地產是要來住來用不是拿來炒作的我想央行祭出了第七次的信用管制這個部分把適用的範圍也擴大那我們從最近的看起來房地產的交易量事實確實上是有一些往下降\n\n23\n00:08:29,873 --> 00:08:55,056\n所以你認為這是一個真正的一個政策我認為房地產應該不能當作投機的一個標的我想這個是不好的不能投機可以投資投資當然他需要付出相關的一些成本包含我們其實在稅的部分也有做調整比如說像我們的房地房屋稅的調整對於持有多屋不自住的房屋的話那他必須負擔較高的持有成本\n\n24\n00:08:55,756 --> 00:09:22,428\n財政部長,接著再跟你做一個條高長照特別扣除額,我們希望能減輕民眾的負擔。其實在過半的家庭的長照費用,大概是在每一個月會花掉2.2萬,然後每年有26.4萬,現行就是一年12萬的特別扣除額,有沒有考慮要調整?\n\n25\n00:09:23,708 --> 00:09:35,131\n跟委員報告有關長照因為老人化的一個生活的情況那長照其實是全面性的租稅不是唯一的一個減輕負擔的一個方式總統在那個國慶的也提到要持續推動長照3.0包含有關的府紀、租界、喘息服務等等各項做政府以各種方面的方方面面來協助有家庭有需要長期照顧的一個家人的負擔\n\n26\n00:09:50,774 --> 00:10:05,894\n那在租稅的部分我們是把它列為特別扣除額每一個人每年是可以扣除12萬這個長照特別扣除額同樣的它也是有身心障礙又有一個特別扣除額你的長照扣除額的一個調整財政部有沒有自己的版本\n\n27\n00:10:06,334 --> 00:10:12,576\n你從108年制定到現在都沒有條你通膨這麼嚴重那是不是會調整啊你要有自己的版本啊這個部分我們目前有沒有在準備呢我們再來研議我們再來研議\n\n28\n00:10:21,539 --> 00:10:21,839\n李燕秀委員質詢\n\n","tsv":"start\tend\ttext\n12998\t27671\t政府從2010年12月其實它就開辦了清安貸款專案它專門就是提供年齡在20歲以上的借款人但是借款人就是跟配偶及未成年子女\n28251\t55616\t都沒有住用住宅的一個黃貸的利息的補貼那它貸款的層數最高到八成那這個貸款的年限最長四到三十年那我們經歷了六度的延長截至到去年2023年6月底子我們協助了34萬戶沒有住用住宅的家庭的購屋當年大概全台灣有933萬間的一個住宅那我們累計合貸了1.43兆\n57937\t59020\t我想在這裡跟部長請教這樣子的一個那個數字對不對\n65358\t89839\t委員的數字應該是對的因為您是從一開始民國99年開辦以來一直累計下來的是是我想就是說從去年7月開始那就是說我們因應了今年全球通盤黃價上漲還有就是升息的一個趨勢我們又推出了一個清安貸款的精進的方案就是我們現在講的新清安\n91441\t96765\t新清安最主要希望進一步減輕購屋者的貸款負擔從現在最高的800萬到現在提高到1000萬這一個數字來講等於是說新清安優惠的政策\n118901\t137775\t部長,我們中南部已經沒有一千萬以下的房子了,全部都跳上來了,尤其以我們中南部最明顯。我不知道部長有沒有聽聞這樣的一個信息?了解這個部分,那個中南部部分有一些產業的發展\n140277\t159992\t有一些是公共建設的一個到位以後那是周遭的房地產的價格確實有一些變動是,所以這個變動是非常急劇的那所以就是說其實清安政策已經是延續了十多年的一個政策在下一頁那顯然政府一言再言\n160512\t180258\t那就是延長它的實施可見這個政策一定有它的重要性而沒有辦法有落日條款那你覺得是不是需要有落日條款部長你的看法呢我的看法是認為說民眾他對於居住的房屋的需求他可能有自己的選擇可能有的是\n180738\t183399\t財政部莊部長翠雲率所屬機關首長：一、邀請財政部莊部長翠雲率之二及第十二條條文修正草案財政部莊部長翠雲率之二及第十二條條文修正草案\n208368\t211769\t一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、\n230393\t232795\t市場市場市場市場市場市場市場市場市場市場市場市場市場市場市場\n253431\t277971\t2018年下降到兩萬戶可是它在2024年又上來了五萬三千多戶那部長你認為就是說2018到2022就是申請那個新清安貸款的戶數這個不如之前那當然有可能可能有很多原因因為那剛好是疫情疫情的那個元素還有就是房屋買氣它降低所以就是說\n278852\t303378\t政策你的推出以後發生了哪些問題現在接著要跟你討論是不是投機客太多還是人頭誤還是貸後就是他把它轉租了這一些亂象那事實上就是說我們財政部在6月27號我們也提出了一個新清安貸款的經濟方案你有增加了借款人限就是限貸一次這一些巴巴巴這些規定\n304779\t317288\t請公股、行戶加強集合本席跟你肯定問題就是說我們有沒有這個政策推出了以後相關的黃帶法規他並沒有配合的一個範圍寬我們在講到了銀行法72之二\n322267\t348830\t那這樣子的話就是銀行沒有跟著上來是不是可能可能會引發傷及無辜的一個現代人的風波呢是不是部長你的看法跟委員報告那因為這段時間因為房地產熱絡所以有關銀行的資金到流到不動產貸款這個部分事實上就是有剛剛就講比例可能稍微高了比較高\n349290\t371461\t中央銀行也提醒了相關的我們的航庫不公民銀行庫都一樣都要注意這樣一個情況也就是避免資金過度流入到不動產市場排擠到其他的產業那我想這個部分當然會影響到整個房貸的一個結構那行政院院長也已經提出來第一個就是說我們必須要有一個順序第一個首購組\n372481\t389021\t一定不能去影響它因為它是買第一間房子那第二個已經承諾了貸款要做另外也要去調整自己貸款就銀行的貸款結構而避免過度大額的做集中那這個部分呢對於首購主那親親安安的都是屬於首購主那應該不會受到影響\n390623\t417843\t您有把一些就是看到了目前的一些需要解決的一個方法跟就是一些困境的那我在這裡再特別提醒你那個總統在國慶日的演說裡頭也特別再一次強調了居住的一個正義這個是非常重要的所以本席在這裡提出就是說我們所講的新清安的一個政策還是現代令的一個政策也好相關的一個討論都是以全國為範圍下一張\n421205\t440291\t全國為範圍以外是不是每一個縣市它有各自不同的情形例如就是說今年那個科學園區跟台積電然後台南高雄的房價都上漲了很多因此本席特別跟你要求就是你在一個月內提供縣市別的新清安累積受理\n440851\t466329\t還有累積合撥的一個戶數的一個金額那基本一起了解就是說其他的縣市那就是跟台南民眾的申請性清安的一個情形因為為什麼我們跟銀行要不到這些資料所以也希望央行協助在一個業內就是以書面提出現代令包括就是協助處理的一個措施對於就是\n467330\t487724\t禁止草房的一個目前的成效還有就是對於全國各縣市房價的一個影響的評估提供給本席委員的要求我們會去提供這相關的資料就是縣市的一個分析就是親親愛的縣市的一個狀況好部長最後請教你以你個人的看法這一次打房是打真的還是打假的\n489125\t508913\t這打草房不是打房是打草房是房地產是要來住來用不是拿來炒作的我想央行祭出了第七次的信用管制這個部分把適用的範圍也擴大那我們從最近的看起來房地產的交易量事實確實上是有一些往下降\n509873\t535056\t所以你認為這是一個真正的一個政策我認為房地產應該不能當作投機的一個標的我想這個是不好的不能投機可以投資投資當然他需要付出相關的一些成本包含我們其實在稅的部分也有做調整比如說像我們的房地房屋稅的調整對於持有多屋不自住的房屋的話那他必須負擔較高的持有成本\n535756\t562428\t財政部長,接著再跟你做一個條高長照特別扣除額,我們希望能減輕民眾的負擔。其實在過半的家庭的長照費用,大概是在每一個月會花掉2.2萬,然後每年有26.4萬,現行就是一年12萬的特別扣除額,有沒有考慮要調整?\n563708\t575131\t跟委員報告有關長照因為老人化的一個生活的情況那長照其實是全面性的租稅不是唯一的一個減輕負擔的一個方式總統在那個國慶的也提到要持續推動長照3.0包含有關的府紀、租界、喘息服務等等各項做政府以各種方面的方方面面來協助有家庭有需要長期照顧的一個家人的負擔\n590774\t605894\t那在租稅的部分我們是把它列為特別扣除額每一個人每年是可以扣除12萬這個長照特別扣除額同樣的它也是有身心障礙又有一個特別扣除額你的長照扣除額的一個調整財政部有沒有自己的版本\n606334\t612576\t你從108年制定到現在都沒有條你通膨這麼嚴重那是不是會調整啊你要有自己的版本啊這個部分我們目前有沒有在準備呢我們再來研議我們再來研議\n621539\t621839\t李燕秀委員質詢\n","txt":"政府從2010年12月其實它就開辦了清安貸款專案它專門就是提供年齡在20歲以上的借款人但是借款人就是跟配偶及未成年子女\n都沒有住用住宅的一個黃貸的利息的補貼那它貸款的層數最高到八成那這個貸款的年限最長四到三十年那我們經歷了六度的延長截至到去年2023年6月底子我們協助了34萬戶沒有住用住宅的家庭的購屋當年大概全台灣有933萬間的一個住宅那我們累計合貸了1.43兆\n我想在這裡跟部長請教這樣子的一個那個數字對不對\n委員的數字應該是對的因為您是從一開始民國99年開辦以來一直累計下來的是是我想就是說從去年7月開始那就是說我們因應了今年全球通盤黃價上漲還有就是升息的一個趨勢我們又推出了一個清安貸款的精進的方案就是我們現在講的新清安\n新清安最主要希望進一步減輕購屋者的貸款負擔從現在最高的800萬到現在提高到1000萬這一個數字來講等於是說新清安優惠的政策\n部長,我們中南部已經沒有一千萬以下的房子了,全部都跳上來了,尤其以我們中南部最明顯。我不知道部長有沒有聽聞這樣的一個信息?了解這個部分,那個中南部部分有一些產業的發展\n有一些是公共建設的一個到位以後那是周遭的房地產的價格確實有一些變動是,所以這個變動是非常急劇的那所以就是說其實清安政策已經是延續了十多年的一個政策在下一頁那顯然政府一言再言\n那就是延長它的實施可見這個政策一定有它的重要性而沒有辦法有落日條款那你覺得是不是需要有落日條款部長你的看法呢我的看法是認為說民眾他對於居住的房屋的需求他可能有自己的選擇可能有的是\n財政部莊部長翠雲率所屬機關首長：一、邀請財政部莊部長翠雲率之二及第十二條條文修正草案財政部莊部長翠雲率之二及第十二條條文修正草案\n一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、\n市場市場市場市場市場市場市場市場市場市場市場市場市場市場市場\n2018年下降到兩萬戶可是它在2024年又上來了五萬三千多戶那部長你認為就是說2018到2022就是申請那個新清安貸款的戶數這個不如之前那當然有可能可能有很多原因因為那剛好是疫情疫情的那個元素還有就是房屋買氣它降低所以就是說\n政策你的推出以後發生了哪些問題現在接著要跟你討論是不是投機客太多還是人頭誤還是貸後就是他把它轉租了這一些亂象那事實上就是說我們財政部在6月27號我們也提出了一個新清安貸款的經濟方案你有增加了借款人限就是限貸一次這一些巴巴巴這些規定\n請公股、行戶加強集合本席跟你肯定問題就是說我們有沒有這個政策推出了以後相關的黃帶法規他並沒有配合的一個範圍寬我們在講到了銀行法72之二\n那這樣子的話就是銀行沒有跟著上來是不是可能可能會引發傷及無辜的一個現代人的風波呢是不是部長你的看法跟委員報告那因為這段時間因為房地產熱絡所以有關銀行的資金到流到不動產貸款這個部分事實上就是有剛剛就講比例可能稍微高了比較高\n中央銀行也提醒了相關的我們的航庫不公民銀行庫都一樣都要注意這樣一個情況也就是避免資金過度流入到不動產市場排擠到其他的產業那我想這個部分當然會影響到整個房貸的一個結構那行政院院長也已經提出來第一個就是說我們必須要有一個順序第一個首購組\n一定不能去影響它因為它是買第一間房子那第二個已經承諾了貸款要做另外也要去調整自己貸款就銀行的貸款結構而避免過度大額的做集中那這個部分呢對於首購主那親親安安的都是屬於首購主那應該不會受到影響\n您有把一些就是看到了目前的一些需要解決的一個方法跟就是一些困境的那我在這裡再特別提醒你那個總統在國慶日的演說裡頭也特別再一次強調了居住的一個正義這個是非常重要的所以本席在這裡提出就是說我們所講的新清安的一個政策還是現代令的一個政策也好相關的一個討論都是以全國為範圍下一張\n全國為範圍以外是不是每一個縣市它有各自不同的情形例如就是說今年那個科學園區跟台積電然後台南高雄的房價都上漲了很多因此本席特別跟你要求就是你在一個月內提供縣市別的新清安累積受理\n還有累積合撥的一個戶數的一個金額那基本一起了解就是說其他的縣市那就是跟台南民眾的申請性清安的一個情形因為為什麼我們跟銀行要不到這些資料所以也希望央行協助在一個業內就是以書面提出現代令包括就是協助處理的一個措施對於就是\n禁止草房的一個目前的成效還有就是對於全國各縣市房價的一個影響的評估提供給本席委員的要求我們會去提供這相關的資料就是縣市的一個分析就是親親愛的縣市的一個狀況好部長最後請教你以你個人的看法這一次打房是打真的還是打假的\n這打草房不是打房是打草房是房地產是要來住來用不是拿來炒作的我想央行祭出了第七次的信用管制這個部分把適用的範圍也擴大那我們從最近的看起來房地產的交易量事實確實上是有一些往下降\n所以你認為這是一個真正的一個政策我認為房地產應該不能當作投機的一個標的我想這個是不好的不能投機可以投資投資當然他需要付出相關的一些成本包含我們其實在稅的部分也有做調整比如說像我們的房地房屋稅的調整對於持有多屋不自住的房屋的話那他必須負擔較高的持有成本\n財政部長,接著再跟你做一個條高長照特別扣除額,我們希望能減輕民眾的負擔。其實在過半的家庭的長照費用,大概是在每一個月會花掉2.2萬,然後每年有26.4萬,現行就是一年12萬的特別扣除額,有沒有考慮要調整?\n跟委員報告有關長照因為老人化的一個生活的情況那長照其實是全面性的租稅不是唯一的一個減輕負擔的一個方式總統在那個國慶的也提到要持續推動長照3.0包含有關的府紀、租界、喘息服務等等各項做政府以各種方面的方方面面來協助有家庭有需要長期照顧的一個家人的負擔\n那在租稅的部分我們是把它列為特別扣除額每一個人每年是可以扣除12萬這個長照特別扣除額同樣的它也是有身心障礙又有一個特別扣除額你的長照扣除額的一個調整財政部有沒有自己的版本\n你從108年制定到現在都沒有條你通膨這麼嚴重那是不是會調整啊你要有自己的版本啊這個部分我們目前有沒有在準備呢我們再來研議我們再來研議\n李燕秀委員質詢\n","vtt":"WEBVTT\n\n00:12.998 --> 00:27.671\n政府從2010年12月其實它就開辦了清安貸款專案它專門就是提供年齡在20歲以上的借款人但是借款人就是跟配偶及未成年子女\n\n00:28.251 --> 00:55.616\n都沒有住用住宅的一個黃貸的利息的補貼那它貸款的層數最高到八成那這個貸款的年限最長四到三十年那我們經歷了六度的延長截至到去年2023年6月底子我們協助了34萬戶沒有住用住宅的家庭的購屋當年大概全台灣有933萬間的一個住宅那我們累計合貸了1.43兆\n\n00:57.937 --> 00:59.020\n我想在這裡跟部長請教這樣子的一個那個數字對不對\n\n01:05.358 --> 01:29.839\n委員的數字應該是對的因為您是從一開始民國99年開辦以來一直累計下來的是是我想就是說從去年7月開始那就是說我們因應了今年全球通盤黃價上漲還有就是升息的一個趨勢我們又推出了一個清安貸款的精進的方案就是我們現在講的新清安\n\n01:31.441 --> 01:36.765\n新清安最主要希望進一步減輕購屋者的貸款負擔從現在最高的800萬到現在提高到1000萬這一個數字來講等於是說新清安優惠的政策\n\n01:58.901 --> 02:17.775\n部長,我們中南部已經沒有一千萬以下的房子了,全部都跳上來了,尤其以我們中南部最明顯。我不知道部長有沒有聽聞這樣的一個信息?了解這個部分,那個中南部部分有一些產業的發展\n\n02:20.277 --> 02:39.992\n有一些是公共建設的一個到位以後那是周遭的房地產的價格確實有一些變動是,所以這個變動是非常急劇的那所以就是說其實清安政策已經是延續了十多年的一個政策在下一頁那顯然政府一言再言\n\n02:40.512 --> 03:00.258\n那就是延長它的實施可見這個政策一定有它的重要性而沒有辦法有落日條款那你覺得是不是需要有落日條款部長你的看法呢我的看法是認為說民眾他對於居住的房屋的需求他可能有自己的選擇可能有的是\n\n03:00.738 --> 03:03.399\n財政部莊部長翠雲率所屬機關首長：一、邀請財政部莊部長翠雲率之二及第十二條條文修正草案財政部莊部長翠雲率之二及第十二條條文修正草案\n\n03:28.368 --> 03:31.769\n一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、\n\n03:50.393 --> 03:52.795\n市場市場市場市場市場市場市場市場市場市場市場市場市場市場市場\n\n04:13.431 --> 04:37.971\n2018年下降到兩萬戶可是它在2024年又上來了五萬三千多戶那部長你認為就是說2018到2022就是申請那個新清安貸款的戶數這個不如之前那當然有可能可能有很多原因因為那剛好是疫情疫情的那個元素還有就是房屋買氣它降低所以就是說\n\n04:38.852 --> 05:03.378\n政策你的推出以後發生了哪些問題現在接著要跟你討論是不是投機客太多還是人頭誤還是貸後就是他把它轉租了這一些亂象那事實上就是說我們財政部在6月27號我們也提出了一個新清安貸款的經濟方案你有增加了借款人限就是限貸一次這一些巴巴巴這些規定\n\n05:04.779 --> 05:17.288\n請公股、行戶加強集合本席跟你肯定問題就是說我們有沒有這個政策推出了以後相關的黃帶法規他並沒有配合的一個範圍寬我們在講到了銀行法72之二\n\n05:22.267 --> 05:48.830\n那這樣子的話就是銀行沒有跟著上來是不是可能可能會引發傷及無辜的一個現代人的風波呢是不是部長你的看法跟委員報告那因為這段時間因為房地產熱絡所以有關銀行的資金到流到不動產貸款這個部分事實上就是有剛剛就講比例可能稍微高了比較高\n\n05:49.290 --> 06:11.461\n中央銀行也提醒了相關的我們的航庫不公民銀行庫都一樣都要注意這樣一個情況也就是避免資金過度流入到不動產市場排擠到其他的產業那我想這個部分當然會影響到整個房貸的一個結構那行政院院長也已經提出來第一個就是說我們必須要有一個順序第一個首購組\n\n06:12.481 --> 06:29.021\n一定不能去影響它因為它是買第一間房子那第二個已經承諾了貸款要做另外也要去調整自己貸款就銀行的貸款結構而避免過度大額的做集中那這個部分呢對於首購主那親親安安的都是屬於首購主那應該不會受到影響\n\n06:30.623 --> 06:57.843\n您有把一些就是看到了目前的一些需要解決的一個方法跟就是一些困境的那我在這裡再特別提醒你那個總統在國慶日的演說裡頭也特別再一次強調了居住的一個正義這個是非常重要的所以本席在這裡提出就是說我們所講的新清安的一個政策還是現代令的一個政策也好相關的一個討論都是以全國為範圍下一張\n\n07:01.205 --> 07:20.291\n全國為範圍以外是不是每一個縣市它有各自不同的情形例如就是說今年那個科學園區跟台積電然後台南高雄的房價都上漲了很多因此本席特別跟你要求就是你在一個月內提供縣市別的新清安累積受理\n\n07:20.851 --> 07:46.329\n還有累積合撥的一個戶數的一個金額那基本一起了解就是說其他的縣市那就是跟台南民眾的申請性清安的一個情形因為為什麼我們跟銀行要不到這些資料所以也希望央行協助在一個業內就是以書面提出現代令包括就是協助處理的一個措施對於就是\n\n07:47.330 --> 08:07.724\n禁止草房的一個目前的成效還有就是對於全國各縣市房價的一個影響的評估提供給本席委員的要求我們會去提供這相關的資料就是縣市的一個分析就是親親愛的縣市的一個狀況好部長最後請教你以你個人的看法這一次打房是打真的還是打假的\n\n08:09.125 --> 08:28.913\n這打草房不是打房是打草房是房地產是要來住來用不是拿來炒作的我想央行祭出了第七次的信用管制這個部分把適用的範圍也擴大那我們從最近的看起來房地產的交易量事實確實上是有一些往下降\n\n08:29.873 --> 08:55.056\n所以你認為這是一個真正的一個政策我認為房地產應該不能當作投機的一個標的我想這個是不好的不能投機可以投資投資當然他需要付出相關的一些成本包含我們其實在稅的部分也有做調整比如說像我們的房地房屋稅的調整對於持有多屋不自住的房屋的話那他必須負擔較高的持有成本\n\n08:55.756 --> 09:22.428\n財政部長,接著再跟你做一個條高長照特別扣除額,我們希望能減輕民眾的負擔。其實在過半的家庭的長照費用,大概是在每一個月會花掉2.2萬,然後每年有26.4萬,現行就是一年12萬的特別扣除額,有沒有考慮要調整?\n\n09:23.708 --> 09:35.131\n跟委員報告有關長照因為老人化的一個生活的情況那長照其實是全面性的租稅不是唯一的一個減輕負擔的一個方式總統在那個國慶的也提到要持續推動長照3.0包含有關的府紀、租界、喘息服務等等各項做政府以各種方面的方方面面來協助有家庭有需要長期照顧的一個家人的負擔\n\n09:50.774 --> 10:05.894\n那在租稅的部分我們是把它列為特別扣除額每一個人每年是可以扣除12萬這個長照特別扣除額同樣的它也是有身心障礙又有一個特別扣除額你的長照扣除額的一個調整財政部有沒有自己的版本\n\n10:06.334 --> 10:12.576\n你從108年制定到現在都沒有條你通膨這麼嚴重那是不是會調整啊你要有自己的版本啊這個部分我們目前有沒有在準備呢我們再來研議我們再來研議\n\n10:21.539 --> 10:21.839\n李燕秀委員質詢\n\n","segments":[{"start":12.998,"end":27.671,"text":"政府從2010年12月其實它就開辦了清安貸款專案它專門就是提供年齡在20歲以上的借款人但是借款人就是跟配偶及未成年子女"},{"start":28.251,"end":55.616,"text":"都沒有住用住宅的一個黃貸的利息的補貼那它貸款的層數最高到八成那這個貸款的年限最長四到三十年那我們經歷了六度的延長截至到去年2023年6月底子我們協助了34萬戶沒有住用住宅的家庭的購屋當年大概全台灣有933萬間的一個住宅那我們累計合貸了1.43兆"},{"start":57.937,"end":59.02,"text":"我想在這裡跟部長請教這樣子的一個那個數字對不對"},{"start":65.358,"end":89.839,"text":"委員的數字應該是對的因為您是從一開始民國99年開辦以來一直累計下來的是是我想就是說從去年7月開始那就是說我們因應了今年全球通盤黃價上漲還有就是升息的一個趨勢我們又推出了一個清安貸款的精進的方案就是我們現在講的新清安"},{"start":91.441,"end":96.765,"text":"新清安最主要希望進一步減輕購屋者的貸款負擔從現在最高的800萬到現在提高到1000萬這一個數字來講等於是說新清安優惠的政策"},{"start":118.901,"end":137.775,"text":"部長,我們中南部已經沒有一千萬以下的房子了,全部都跳上來了,尤其以我們中南部最明顯。我不知道部長有沒有聽聞這樣的一個信息?了解這個部分,那個中南部部分有一些產業的發展"},{"start":140.277,"end":159.992,"text":"有一些是公共建設的一個到位以後那是周遭的房地產的價格確實有一些變動是,所以這個變動是非常急劇的那所以就是說其實清安政策已經是延續了十多年的一個政策在下一頁那顯然政府一言再言"},{"start":160.512,"end":180.258,"text":"那就是延長它的實施可見這個政策一定有它的重要性而沒有辦法有落日條款那你覺得是不是需要有落日條款部長你的看法呢我的看法是認為說民眾他對於居住的房屋的需求他可能有自己的選擇可能有的是"},{"start":180.738,"end":183.399,"text":"財政部莊部長翠雲率所屬機關首長：一、邀請財政部莊部長翠雲率之二及第十二條條文修正草案財政部莊部長翠雲率之二及第十二條條文修正草案"},{"start":208.368,"end":211.769,"text":"一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、一、"},{"start":230.393,"end":232.795,"text":"市場市場市場市場市場市場市場市場市場市場市場市場市場市場市場"},{"start":253.431,"end":277.971,"text":"2018年下降到兩萬戶可是它在2024年又上來了五萬三千多戶那部長你認為就是說2018到2022就是申請那個新清安貸款的戶數這個不如之前那當然有可能可能有很多原因因為那剛好是疫情疫情的那個元素還有就是房屋買氣它降低所以就是說"},{"start":278.852,"end":303.378,"text":"政策你的推出以後發生了哪些問題現在接著要跟你討論是不是投機客太多還是人頭誤還是貸後就是他把它轉租了這一些亂象那事實上就是說我們財政部在6月27號我們也提出了一個新清安貸款的經濟方案你有增加了借款人限就是限貸一次這一些巴巴巴這些規定"},{"start":304.779,"end":317.288,"text":"請公股、行戶加強集合本席跟你肯定問題就是說我們有沒有這個政策推出了以後相關的黃帶法規他並沒有配合的一個範圍寬我們在講到了銀行法72之二"},{"start":322.267,"end":348.83,"text":"那這樣子的話就是銀行沒有跟著上來是不是可能可能會引發傷及無辜的一個現代人的風波呢是不是部長你的看法跟委員報告那因為這段時間因為房地產熱絡所以有關銀行的資金到流到不動產貸款這個部分事實上就是有剛剛就講比例可能稍微高了比較高"},{"start":349.29,"end":371.461,"text":"中央銀行也提醒了相關的我們的航庫不公民銀行庫都一樣都要注意這樣一個情況也就是避免資金過度流入到不動產市場排擠到其他的產業那我想這個部分當然會影響到整個房貸的一個結構那行政院院長也已經提出來第一個就是說我們必須要有一個順序第一個首購組"},{"start":372.481,"end":389.021,"text":"一定不能去影響它因為它是買第一間房子那第二個已經承諾了貸款要做另外也要去調整自己貸款就銀行的貸款結構而避免過度大額的做集中那這個部分呢對於首購主那親親安安的都是屬於首購主那應該不會受到影響"},{"start":390.623,"end":417.843,"text":"您有把一些就是看到了目前的一些需要解決的一個方法跟就是一些困境的那我在這裡再特別提醒你那個總統在國慶日的演說裡頭也特別再一次強調了居住的一個正義這個是非常重要的所以本席在這裡提出就是說我們所講的新清安的一個政策還是現代令的一個政策也好相關的一個討論都是以全國為範圍下一張"},{"start":421.205,"end":440.291,"text":"全國為範圍以外是不是每一個縣市它有各自不同的情形例如就是說今年那個科學園區跟台積電然後台南高雄的房價都上漲了很多因此本席特別跟你要求就是你在一個月內提供縣市別的新清安累積受理"},{"start":440.851,"end":466.329,"text":"還有累積合撥的一個戶數的一個金額那基本一起了解就是說其他的縣市那就是跟台南民眾的申請性清安的一個情形因為為什麼我們跟銀行要不到這些資料所以也希望央行協助在一個業內就是以書面提出現代令包括就是協助處理的一個措施對於就是"},{"start":467.33,"end":487.724,"text":"禁止草房的一個目前的成效還有就是對於全國各縣市房價的一個影響的評估提供給本席委員的要求我們會去提供這相關的資料就是縣市的一個分析就是親親愛的縣市的一個狀況好部長最後請教你以你個人的看法這一次打房是打真的還是打假的"},{"start":489.125,"end":508.913,"text":"這打草房不是打房是打草房是房地產是要來住來用不是拿來炒作的我想央行祭出了第七次的信用管制這個部分把適用的範圍也擴大那我們從最近的看起來房地產的交易量事實確實上是有一些往下降"},{"start":509.873,"end":535.056,"text":"所以你認為這是一個真正的一個政策我認為房地產應該不能當作投機的一個標的我想這個是不好的不能投機可以投資投資當然他需要付出相關的一些成本包含我們其實在稅的部分也有做調整比如說像我們的房地房屋稅的調整對於持有多屋不自住的房屋的話那他必須負擔較高的持有成本"},{"start":535.756,"end":562.428,"text":"財政部長,接著再跟你做一個條高長照特別扣除額,我們希望能減輕民眾的負擔。其實在過半的家庭的長照費用,大概是在每一個月會花掉2.2萬,然後每年有26.4萬,現行就是一年12萬的特別扣除額,有沒有考慮要調整?"},{"start":563.708,"end":575.131,"text":"跟委員報告有關長照因為老人化的一個生活的情況那長照其實是全面性的租稅不是唯一的一個減輕負擔的一個方式總統在那個國慶的也提到要持續推動長照3.0包含有關的府紀、租界、喘息服務等等各項做政府以各種方面的方方面面來協助有家庭有需要長期照顧的一個家人的負擔"},{"start":590.774,"end":605.894,"text":"那在租稅的部分我們是把它列為特別扣除額每一個人每年是可以扣除12萬這個長照特別扣除額同樣的它也是有身心障礙又有一個特別扣除額你的長照扣除額的一個調整財政部有沒有自己的版本"},{"start":606.334,"end":612.576,"text":"你從108年制定到現在都沒有條你通膨這麼嚴重那是不是會調整啊你要有自己的版本啊這個部分我們目前有沒有在準備呢我們再來研議我們再來研議"},{"start":621.539,"end":621.839,"text":"李燕秀委員質詢"}]}}},"meet":{"sessionPeriod":2,"sessionTimes":2,"tmpMeeting":null,"committees":[20],"term":11,"id":"委員會-11-2-20-2","title":"第11屆第2會期財政委員會第2次全體委員會議","type":"委員會"},"會議時間":"2024-10-16T09:00:00+08:00","委員發言時間":"10:18:22 - 10:29:15","會議名稱":"立法院第11屆第2會期財政委員會第2次全體委員會議（事由：一、邀請財政部莊部長翠雲率所屬機關首長暨國營事業董事長、總經理(含各轉投資事業機構公股代表之董、監事)列席業務報告，並備質詢。\n二、審查「證券交易稅條例」7案：\n(一)\t行政院函請審議「證券交易稅條例第二條之二及第十二條條文修正草案」案。\n(二)\t本院委員羅明才等20人擬具「證券交易稅條例第二條之二條文修正草案」案。\n(三)\t本院委員賴士葆等25人擬具「證券交易稅條例第二條之二及第十二條條文修正草案」案。\n(四)\t本院委員伍麗華Saidhai Tahovecahe等19人擬具「證券交易稅條例第二條之二及第十二條條文修正草案」案。\n(五)\t本院委員賴惠員等37人擬具「證券交易稅條例第二條之二及第十二條條文修正草案」案。【本案須經各黨團簽署不復議同意書】\n(六)\t本院委員林楚茵等19人擬具「證券交易稅條例第二條之二條文修正草案」案。【本案須經各黨團簽署不復議同意書】\n(七)\t本院委員邱志偉等19人擬具「證券交易稅條例第十二條條文修正草案」案。\n【10月16日及17日二天一次會】）","id":155522,"gazette":{"lineno":404,"blocks":[["賴委員惠員：（10時18分）謝謝主席，有請部長。"],["主席：有請莊部長。"],["莊部長翠雲：召委好。"],["賴委員惠員：部長早安。我們來回顧第一次購屋房貸優惠政策，政府從2010年12月就開辦了青安貸款專案，專門提供年齡20歲以上的借款人，且借款人與其配偶及未成年子女都沒有自用住宅房貸利息補貼，貸款成數最高到八成，貸款的年限最長是到30年，我們經歷了六度的延長，截至去年2023年6月底止，我們協助了34萬戶沒有自用住宅家庭的購屋（當年大概全臺灣有933萬間住宅），我們累計核貸了1.43兆。在這裡跟部長請教，這樣一個數字對不對？"],["莊部長翠雲：委員的數字應該是對的，因為您是從一開始民國99年開辦以來一直累計下來的。"],["賴委員惠員：是。從去年7月開始，我們因應了近年全球通膨、房價上漲，還有升息的趨勢，我們又推出了一個青安貸款的精進方案，就是我們現在講的新青安，其實新青安最主要就是希望進一步減輕購屋者貸款的負擔。我們可以從圖片上看得出來，額度從最高的800萬提高到現在的1,000萬，就這個數字來講，等於是說，隨著新青安這樣一個優惠政策，部長，我們中南部已經沒有1,000萬以下的房子，全部都跳上來了，尤其我們中南部最明顯，我不知道部長有沒有聽聞這樣一個訊息？"],["莊部長翠雲：了解，中南部的部分有一些是因為產業的發展，有一些是公共建設到位以後，周遭房地產的價格確實有一些變動。"],["賴委員惠員：是，所以這個變動是非常急遽的。其實青安政策是一個已經延續了十多年的政策，政府一延再延、延長它的實施，顯而可見這個政策一定有它的重要性，以致沒有辦法有落日條款，你覺得是不是需要有落日條款？部長，你的看法呢？"],["莊部長翠雲：我的看法是認為，民眾對於居住房屋的需求，他可能有自己的選擇，可能有的是採取承租的方式；有的是希望買到自己的房子做自住使用，對於他希望能夠買到一間房子做自住使用，政府給予相關的協助，我認為是有必要的，因為我們知道青年朋友們初入社會，他的收入其實是有限的情況下，而他又想買一間房子，第一個，我們在貸款額度的比例上，貸款金額上限可以給予一定調高，比如說，將800萬調高到1,000萬，以及寬限期的一個延長。我覺得，對於初買房子的人來說，可以減輕他的生活負擔，在兼顧生活品質之下，又能夠擁有一間自己的房子，我認為這個是有必要的。","而且從新青安實施以來，我們可以看到50歲以下的人占了94%，所以事實上大部分都是四十幾歲、三十幾歲的青年朋友們去買的……"],["賴委員惠員：部長，我讓你再看一張圖，這個圖片中就是歷年來受理跟撥款的戶數，尤其到2018年下降到兩萬戶，可是在2024年又上來到了五萬三千多戶，部長認為2018年到2022年申請新青安貸款的戶數不如之前，可能有很多原因，可能剛好是疫情，還有房屋買氣降低，所以你的政策推出以後發生了哪些問題？我現在接著要跟你討論，是不是投機客太多？還是人頭戶？還是貸後就把它轉租了？針對這一些亂象，事實上我們財政部在6月27號也提出了新青安貸款的精進方案，增加了借款人限申貸一次等等的規定，也請公股行庫要加強稽核，對此，本席給你肯定，但問題是，我們這個政策推出以後，相關的房貸法規並沒有配合的放寬啊！就是我們講到的銀行法第七十二條之二，若銀行沒有跟著上來，是不是可能會引發傷及無辜的限貸令的風波？部長你的看法為何？"],["莊部長翠雲：跟委員報告，這段時間因為房地產熱絡，所以有關銀行的資金流到不動產貸款的這個部分，事實上剛剛就講了，比例可能比較高，央行也提醒了我們相關的行庫，公民營行庫都一樣，都要注意這樣一個情況，也就是避免資金過度流入不動產市場，排擠到其他的產業，我想這個部分當然會影響到整個房貸的結構，行政院院長也已經提出來，第一個，我們必須要有一個順序，首購族，一定不能去影響他，因為他是買第一間房子；第二個，已經承諾的貸款要做；另外也要去調整自己的貸款，就是銀行的貸款結構，避免過度大額地集中，因為新青安都是屬於首購族，所以應該不會受到影響。"],["賴委員惠員：你有看到目前一些需要解決的方法跟困境了，我在這裡再特別提醒你，總統在國慶日的演說裡頭也特別再一次強調了居住的正義，這個是非常重要的，所以本席在這裡提出，我們所講的新青安的政策，還是限貸令的政策也好，相關的討論都是以全國為範圍。這樣以全國為範圍以外，是不是每一個縣市有各自不同的情形？例如近年科學園區跟台積電，使臺南、高雄的房價都上漲了很多，因此本席特別跟你要求，在一個月內提供縣市別的新青安累積受理以及累積核撥的戶數跟金額。據本席了解，其他的縣市跟臺南民眾申請新青安的情形……因為我們跟銀行要不到這些資料，所以也希望央行協助在一個月內，以書面提出限貸令，包括協助處理的措施，對於禁止炒房目前的成效，還有對於全國各縣市房價的影響評估，提供給本席。"],["莊部長翠雲：委員的要求，我們會去提供相關的資料，就是縣市的分析，新青安在各縣市的狀況。"],["賴委員惠員：好。部長，最後請教你，以你個人的看法，這次打房是打真的，還是打假的？"],["莊部長翠雲：是打炒房，不是打房，而是打炒房，房地產是要住來用，不是拿來炒作的。"],["賴委員惠員：好，打炒作的這一些房子……"],["莊部長翠雲：我想央行祭出了第七次的信用管制，把適用的範圍也擴大，我們從最近的數字看起來，房地產的交易量確實是有往下降。"],["賴委員惠員：所以你認為這是一個真正的政策？"],["莊部長翠雲：我認為房地產應該不能當作投機的一個標的，我想這個是不好的……"],["賴委員惠員：不能投機，可以投資？"],["莊部長翠雲：投資當然他需要付出相關的一些成本，包含我們其實在稅的部分也有調整，比如房屋稅的調整，對於持有多屋不自住的房屋，他必須負擔較高的持有成本。"],["賴委員惠員：好。部長，接著再跟你請教調高長照特別扣除額，我們希望能減輕民眾的負擔，其實過半家庭的長照費用大概每一個月會花掉2.2萬，每年就有26.4萬，現行一年12萬的特別扣除額有沒有考慮要調整？"],["莊部長翠雲：跟委員報告，有關長照，因為老人化生活的情況，長照其實是全面性的，租稅不是唯一一個減輕負擔的方式。總統在國慶也提到要持續推動長照3.0，包含有關的輔具租借、喘息服務等等各項措施，政府以各種方方面面來協助家庭有需要長期照顧家人的負擔。在租稅的部分，我們是把它列為特別扣除額，每一個人每年的長照特別扣除額可以扣除12萬，同樣的，他也是有身心障礙，又有一個特別扣除額。"],["賴委員惠員：我在這裡想請教你，長照扣除額的調整，財政部有沒有自己的版本？你從108年制定到現在都沒有調，通膨這麼嚴重，是不是會調整呢？你要有自己的版本。"],["莊部長翠雲：這個部分，我們目前……"],["賴委員惠員：有沒有在準備呢？"],["莊部長翠雲：這個部分，我們再來研議。"],["賴委員惠員：什麼時候會讓本席知道，要研議多久？"],["莊部長翠雲：因為調整涉及所得稅的部分，我們可能要做一個通盤的考量，以及對相關的影響跟配套措施等等。"],["賴委員惠員：好，我想這個議題有很多委員都跟你提出來了，是不是一個月內給本席這樣的資料，好嗎？"],["莊部長翠雲：好的，我們把資料、研議報告送給委員。"],["賴委員惠員：好，謝謝。"],["主席：謝謝賴惠員委員質詢。","緊接著我們請李彥秀委員質詢。"]],"agenda":{"page_end":340,"meet_id":"委員會-11-2-20-2","speakers":["賴惠員","林德福","吳秉叡","賴士葆","郭國文","李彥秀","王鴻薇","李坤城","黃珊珊","顏寬恒","王世堅","羅明才","邱志偉","陳培瑜","陳玉珍","楊瓊瓔","洪孟楷","伍麗華Saidhai‧Tahovecahe"],"page_start":277,"meetingDate":["2024-10-16"],"gazette_id":"1138501","agenda_lcidc_ids":["1138501_00005"],"meet_name":"立法院第11屆第2會期財政委員會第2次全體委員會議紀錄","content":"一、邀請財政部莊部長翠雲率所屬機關首長暨國營事業董事長、總經理（含各轉投資事業機構公\n股代表之董、監事）列席業務報告，並備質詢；二、審查「證券交易稅條例」5案：(一)行政院函\n請審議「證券交易稅條例第二條之二及第十二條條文修正草案」案、(二)本院委員羅明才等20人\n擬具「證券交易稅條例第二條之二條文修正草案」案、(三)本院委員賴士葆等25人擬具「證券交\n易稅條例第二條之二及第十二條條文修正草案」案、(四)本院委員伍麗華 Saidhai Tahovecahe 等\n19人擬具「證券交易稅條例第二條之二及第十二條條文修正草案」案、(五)本院委員邱志偉等19\n人擬具「證券交易稅條例第十二條條文修正草案」案","agenda_id":"1138501_00004"}}}