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7,"text":"謝謝昭偉 邀請我們內政部我們董次長麻煩次長好 委員次長好 幾個問題來請教啦是 不敢這個最近這個整個太平洋高壓這個是太強了臺灣就是像一顆番薯一樣我看我們沒有吹冷氣是真的是不行的啦那天氣熱在室內自然就會去開冷氣"},{"start":32.727,"end":46.716,"text":"我從2022年的時候我多次針對這整個租屋主的電費的部分來向我們內政部還有台電經濟部提出質詢後來我們內政部也在整個租屋的租賃定型化契約應記載跟不得記載事項裡面有去訂定每度的電費"},{"start":50.879,"end":53.322,"text":"臺電當月電價最高的極具的每度金額但是我們看到很多房東他現在還是會用不超過夏季電費的金額一度比如說五塊、六塊去超收變相在賺這個價差"},{"start":72.361,"end":84.691,"text":"後來我要求台電就在這個帳單上加注同期的平均金額我也一直在呼籲我們內政部就在這個定型化契約裡面應該去記載來保障租客的一個繳交實際的電費的一個權益那上個月底的時候我有看到內政部宣布說租屋電費到7月中旬要上路這個部要上路那新制的方向是怎麼樣"},{"start":97.462,"end":102.727,"text":"有關於電費的部分,我們在新的定型化企業裡面經過行政院審核通過之後,我們已經在禮拜一7月8號對外公告"},{"start":119.804,"end":139.87,"text":"公告過程裏面如果大家沒有任何的疑議我們會在7月15號上路在上路的同時我們就會把相關的懶人包還有新型的定型化契約都放進去新型定型化契約裏面就如同委員所垂詢的我們會把電價的需求狀況我們就明定在裏面那房客跟房東在訂約的時候他的"},{"start":140.31,"end":143.792,"text":"所以我們預計什麼時候上路?我們7月15號就會上路7月就一定上路?對還有請我們國庫署今天副署長也有到場"},{"start":165.796,"end":191.014,"text":"我另外一個問題我就延續剛剛其他委員的一個問題來請教兩位就是說我們現在政府整個清安的一個政策他其實就是想讓政府的美意就讓年輕人可以買得起房子那現在我們公股銀行總共撥貸40萬2000戶我請教兩位小不曉得大約知道這個金額有多大大約"},{"start":196.929,"end":215.941,"text":"報告委員您指的是目前為止累積波待的金額嗎?對就是如果是40多萬戶的話波待的金額大概是1.9兆1.9兆這個其實是一個很高的數字1.9兆其實我相信最主要這樣的一個目的就是政府要讓年輕人買得起房子那從去年2023年房屋買賣移轉的動數30.6萬棟是4年來的算新低"},{"start":227.109,"end":252.308,"text":"但這個數字裡面其實是暗藏玄機從2023年的下半年移轉比較起來跟比上半年增加的約21%那為什麼會在下半年增加兩位就很清楚了嘛就是我們政府推出了這個慶安的一個政策他同時在今年的五月份的房屋交易動數達到兩萬六千多棟是近十年的新高"},{"start":253.749,"end":258.694,"text":"我看財政部的一個最新的一個統計就是新清安的單月撥貸的一個戶數就高達了將近9000戶就8000多戶那平均每戶撥貸金額來到768萬元那剛剛副署長談到的就是說公庫銀行總共撥貸的40萬2000戶裡面撥貸的總金額來到1.8兆"},{"start":276.573,"end":281.694,"text":"那同時今年5月交易動勢這2萬6千棟10年來的新高那數據也呈現得很明顯就整個新安的一個政策新清安的一個政策讓房屋市場交易熱絡了起來熱絡不是壞事喔熱絡本身倒不反對喔但是對這些新清安政策的人似乎大家都是以自助為目的"},{"start":303.521,"end":308.268,"text":"那這也其實也是證明了就是大家買房子也變得容易了可是我必須要提出來就是說假設"},{"start":311.328,"end":335.311,"text":"我一個中古屋啊我現在開價兩千萬那如果我投資客要買的話我會向下去斡旋嘛一定會是這樣子嘛我有一定的一個利潤嘛那可是呢最高可能我認為說我這個投資客我認為一千九我至少要賺個一百萬那超過了他就嫌這個比例就太少了就不買了但同樣如果是兩千萬年輕人我們有新清安政策出來以後"},{"start":336.277,"end":337.638,"text":"對於整個政策影響整體的方式跟內政部這邊你們有什麼看法?"},{"start":366.228,"end":381.295,"text":"謝謝委員．瑞雄那跟委員報告有關於房市的問題那麼本部的立場一向是就是說我們要提供足夠的住宅讓那個年輕人能夠買得起所以在那個會議裡面我們就是提出說相關的貸款"},{"start":382.295,"end":382.515,"text":"我相信"},{"start":410.783,"end":425.368,"text":"大多數人認為這個政策是對的啦政策當然就是對的啦但是我們也很擔心就是說因為這個新金安的政策讓這個漲幅趨緩了黃式又去節節的一個飆高我們擔心的是這個尤其這個銀行不是在發錢欸"},{"start":426.508,"end":437.695,"text":"本金要還對不對所以我的意思就是說我希望我們內政部跟財政部要特別去留意尤其是在利用這個新青安的一個轉租或人頭戶的一個違規借款戶你到了7月5號你盤點出來超風險的案件大約是1000戶那你這1000戶裡面主要是高機率是人頭戶的借款戶或者以及確定違規的借款戶我說想進一步來請教副署長就是說"},{"start":452.043,"end":474.422,"text":"有什麼樣的態樣或是行為才會被列入這疑似違規或者人頭戶?是,謝謝委員垂詢那我這邊報告就是說新青安施行到現在那就誠如剛剛委員提到了其實青安的目的是要協助無自由住宅的民眾能夠購屋成家"},{"start":475.103,"end":493.416,"text":"那這個其實是利益很良善的一個政策那至於就是說最近可能大家會在討論說有可能有一些是人頭戶或者是有一些是申請了清安之後再去轉租的那這個部分我們現在已經也著手在處理了就是說我們會請各個函庫在受理的時候除了要"},{"start":496.698,"end":501.863,"text":"若實他的這個貸錢的徵審包含這個借款人他的相關的收支的一個狀況都是在貸錢的時候必須要納入一個核貸時候的一個考量另外呢就是要強化貸後的這個管理包含貸後的一個相關資金用途的稽查"},{"start":517.458,"end":542.394,"text":"那再來就是說我們從6月27號之後有要求就是必須要做一個自住的一個切結書那另外就是有現代一次的這樣子的一個方式那這些努力其實都是希望就是回到這個政策的初衷就是讓這個沒有自有住宅的民眾能夠自住然後來申請這樣子的貸款"},{"start":544.695,"end":566.521,"text":"我最主要是要提出提醒啦你像比如說啊你說屬於比較高的一個風險的你說第三人去繳交這個房貸其中比如說第三人有可能就是父母啊有可能是兄弟姊妹啊那這一些可能提出證明都很容易就不會被列入下一階段的高風險的案件但是有一部分高風險提出的解釋認為說我的兄弟姊妹幫忙的啦或是我的未婚啦"},{"start":570.262,"end":574.406,"text":"我正在交往 大家作為要來納粗的 什麼理由可能都會有但這理由可能是真 也有可能是假 這個你們也必須要特別去留意那這些使用人頭戶人他也不是笨蛋啦 比如說我同一個銀行裡面我是第三年繳交的多個借款戶的一個房貸 你這個比較容易發現了吧"},{"start":590.942,"end":605.708,"text":"可是呢他如果是多銀行我分別在不同的銀行你們各銀行之間的一個個資到底有沒有互通那這類案件我請問那個次長或者是副署長這些案件你們怎麼去處理"},{"start":607.637,"end":607.817,"text":"這個政策齁"},{"start":635.399,"end":635.419,"text":"好 謝謝"},{"start":666.459,"end":666.479,"text":"好謝謝"}]}},"supported_relations":[],"relations":[]}