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媽手冊也是適用，屬於育有未成年子女的家庭，是不是？","quality":0.741},{"speaker":"莊部長翠雲","start":"2026-07-22T10:20:10+08:00","guessed":false,"end":"2026-07-22T10:20:12.714286+08:00","text":"是的、是的，有媽媽手冊。","quality":0.889},{"speaker":"李委員坤城","start":"2026-07-22T10:20:13+08:00","guessed":false,"end":"2026-07-22T10:20:14.777778+08:00","text":"有媽媽手冊就可以嘛？對。","quality":0.9},{"speaker":"李委員坤城","start":"2026-07-22T10:20:15+08:00","guessed":false,"end":"2026-07-22T10:20:17.777778+08:00","text":"就是懷孕，領有媽媽手冊也可以提高……","quality":0.867},{"speaker":"莊部長翠雲","start":"2026-07-22T10:20:18+08:00","guessed":false,"end":"2026-07-22T10:20:20.769231+08:00","text":"他申貸的時候就懷孕了。","quality":0.8},{"speaker":"李委員坤城","start":"2026-07-22T10:20:21.400000+08:00","guessed":false,"end":"2026-07-22T10:20:24.666667+08:00","text":"對，也可以適用到1,500萬額度，是不是？是。","quality":0.8},{"speaker":"李委員坤城","start":"2026-07-22T10:20:25+08:00","guessed":false,"end":"2026-07-22T10:20:34.750000+08:00","text":"好，請教一下，我們當然是希望結婚之後，從此過著幸福、美滿、快樂的生活，他也有生小孩。","quality":0.886},{"speaker":"李委員坤城","start":"2026-07-22T10:20:35.250000+08:00","guessed":false,"end":"2026-07-22T10:20:35.750000+08:00","text":"但是萬一啦！","quality":0.6},{"speaker":"李委員坤城","start":"2026-07-22T10:20:36+08:00","guessed":false,"end":"2026-07-22T10:20:48.833333+08:00","text":"如果申貸了新青安3.0之後，萬一不幸夫妻離婚，我先講沒有小孩的部分，如果夫妻離婚之後，這個要怎麼算？","quality":0.86},{"speaker":"李委員坤城","start":"2026-07-22T10:20:49+08:00","guessed":false,"end":"2026-07-22T10:20:50.818182+08:00","text":"你們這個額度會追回來嗎？","quality":0.909},{"speaker":"李委員坤城","start":"2026-07-22T10:20:51+08:00","guessed":false,"end":"2026-07-22T10:20:51.857143+08:00","text":"利息會追回來嗎？","quality":0.857},{"speaker":"莊部長翠雲","start":"2026-07-22T10:20:52+08:00","guessed":false,"end":"2026-07-22T10:20:56.800000+08:00","text":"我想是這樣子，因為他能夠貸到，假設新婚夫妻能貸到……","quality":0.909},{"speaker":"李委員坤城","start":"2026-07-22T10:20:57+08:00","guessed":false,"end":"2026-07-22T10:20:57.833333+08:00","text":"新婚夫妻就是1,200萬嘛！","quality":0.667},{"speaker":"莊部長翠雲","start":"2026-07-22T10:20:58+08:00","guessed":false,"end":"2026-07-22T10:21:16.800000+08:00","text":"對，假設他能到1,200萬，因為我們貸款的額度還是不能超過房屋的八成，表示這個房子的擔保品足以貸給他1,200萬，這個還是要有個前提，不是只有婚姻，不是有結婚就一定可以貸到1,200萬。","quality":0.838},{"speaker":"李委員坤城","start":"2026-07-22T10:21:17+08:00","guessed":false,"end":"2026-07-22T10:21:17.666667+08:00","text":"沒有，這是增加的啦。","quality":0.625},{"speaker":"莊部長翠雲","start":"2026-07-22T10:21:18+08:00","guessed":false,"end":"2026-07-22T10:21:35.666667+08:00","text":"對，假設他貸了1,200萬，但是在這6年有利息補貼的情況下，如果婚姻發生變化，譬如他就離婚的話，我們也只會就那200萬的部分，從他婚姻關係消滅起停止這個利息的補貼，就是多的那200萬。","quality":0.932},{"speaker":"李委員坤城","start":"2026-07-22T10:21:36+08:00","guessed":false,"end":"2026-07-22T10:21:36.750000+08:00","text":"就是這200萬？對。","quality":0.8},{"speaker":"李委員坤城","start":"2026-07-22T10:21:37.600000+08:00","guessed":false,"end":"2026-07-22T10:21:40+08:00","text":"因為我們是3加3嘛，是不是？3加3。","quality":1},{"speaker":"李委員坤城","start":"2026-07-22T10:21:41+08:00","guessed":false,"end":"2026-07-22T10:21:41.875000+08:00","text":"6年的利息補貼。","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:21:42.200000+08:00","guessed":false,"end":"2026-07-22T10:21:43.916667+08:00","text":"6年以後再離婚的話，當然就是另外的情形。","quality":0.882},{"speaker":"李委員坤城","start":"2026-07-22T10:21:44.333333+08:00","guessed":false,"end":"2026-07-22T10:21:45.833333+08:00","text":"如果超過6年之後離婚呢？","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:21:47+08:00","guessed":false,"end":"2026-07-22T10:21:48.777778+08:00","text":"但是他這6年裡面是有婚姻關係的。","quality":1},{"speaker":"李委員坤城","start":"2026-07-22T10:21:49+08:00","guessed":false,"end":"2026-07-22T10:21:51.750000+08:00","text":"對，所以沒有受到影響？","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:21:52+08:00","guessed":false,"end":"2026-07-22T10:21:52.833333+08:00","text":"不會受到影響。","quality":1},{"speaker":"李委員坤城","start":"2026-07-22T10:21:53+08:00","guessed":false,"end":"2026-07-22T10:21:58.888889+08:00","text":"所以如果6年之後再離婚，前面這6年的利息補貼不會受到影響就對了？","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:21:59+08:00","guessed":false,"end":"2026-07-22T10:21:59.800000+08:00","text":"是，那時候他有婚姻關係，我們就不會去……","quality":0.562},{"speaker":"李委員坤城","start":"2026-07-22T10:22:00+08:00","guessed":false,"end":"2026-07-22T10:22:01.777778+08:00","text":"額度也不會受到影響？","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:22:02+08:00","guessed":false,"end":"2026-07-22T10:22:03.500000+08:00","text":"不會、不會。","quality":1},{"speaker":"李委員坤城","start":"2026-07-22T10:22:04.571429+08:00","guessed":false,"end":"2026-07-22T10:22:11.714286+08:00","text":"如果離婚之後，沒有房子的那一方還可以再去申請？","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:22:12+08:00","guessed":false,"end":"2026-07-22T10:22:17.800000+08:00","text":"離婚，在申請的時候，必須他本人跟配偶，還有未成年子女……","quality":0.957},{"speaker":"李委員坤城","start":"2026-07-22T10:22:18+08:00","guessed":false,"end":"2026-07-22T10:22:19.833333+08:00","text":"不是，離婚之後，如果他單身嘛。","quality":0.833},{"speaker":"莊部長翠雲","start":"2026-07-22T10:22:20+08:00","guessed":false,"end":"2026-07-22T10:22:23.833333+08:00","text":"離婚之後，他就變成單身或者又另外新婚，當然又是用……","quality":0.727},{"speaker":"李委員坤城","start":"2026-07-22T10:22:24+08:00","guessed":false,"end":"2026-07-22T10:22:25.866667+08:00","text":"那就是用1,000萬的額度再去申請就對了？","quality":0.938},{"speaker":"莊部長翠雲","start":"2026-07-22T10:22:26+08:00","guessed":false,"end":"2026-07-22T10:22:28.555556+08:00","text":"但是這個人本身必須沒有貸過新青安。","quality":0.688},{"speaker":"李委員坤城","start":"2026-07-22T10:22:30+08:00","guessed":false,"end":"2026-07-22T10:22:38.866667+08:00","text":"如果他沒有貸過新青安，然後他離婚了，他可以繼續再用新青安3.0。","quality":0.815},{"speaker":"莊部長翠雲","start":"2026-07-22T10:22:39+08:00","guessed":false,"end":"2026-07-22T10:22:41.538462+08:00","text":"對，因為他就是單獨的一個個人。","quality":0.846},{"speaker":"李委員坤城","start":"2026-07-22T10:22:42+08:00","guessed":false,"end":"2026-07-22T10:22:45.555556+08:00","text":"好，這是講沒有小孩的狀態，如果有小孩的狀態呢？","quality":0.9},{"speaker":"莊部長翠雲","start":"2026-07-22T10:22:46+08:00","guessed":false,"end":"2026-07-22T10:23:02.600000+08:00","text":"有小孩狀態，我們是講他育有未成年子女，如果這房子裡面依然是由這位屋主來撫育未成年子女，當然他還是可以適用原來育有未成年子女相關的貸款條件。","quality":0.938},{"speaker":"李委員坤城","start":"2026-07-22T10:23:03.300000+08:00","guessed":false,"end":"2026-07-22T10:23:09.818182+08:00","text":"好，現在會不會房子的所有人跟孩子的監護人是不同人？","quality":0.957},{"speaker":"莊部長翠雲","start":"2026-07-22T10:23:10.230769+08:00","guessed":false,"end":"2026-07-22T10:23:12.769231+08:00","text":"當然我們不能預期他們未來怎麼樣去做分配……","quality":0.632},{"speaker":"李委員坤城","start":"2026-07-22T10:23:13+08:00","guessed":false,"end":"2026-07-22T10:23:28.812500+08:00","text":"對啦，我的意思是如果遇到這種情況，比如A跟B，A是這個房子的所有人，但是B擁有監護權，B因為有孩子的監護權，所以他可以有新青安貸款的優惠？對。","quality":0.952},{"speaker":"李委員坤城","start":"2026-07-22T10:23:30+08:00","guessed":false,"end":"2026-07-22T10:23:30.571429+08:00","text":"但是他沒有房子啦！","quality":0.625},{"speaker":"莊部長翠雲","start":"2026-07-22T10:23:31+08:00","guessed":false,"end":"2026-07-22T10:23:38.333333+08:00","text":"對，相關的細節，我想因為我們還是會做詳細明確的問答集來做回應，當然我們不希望……","quality":0.829},{"speaker":"李委員坤城","start":"2026-07-22T10:23:40+08:00","guessed":false,"end":"2026-07-22T10:23:40.909091+08:00","text":"不是啦，我現在問你遇到這種情況……","quality":0.786},{"speaker":"莊部長翠雲","start":"2026-07-22T10:23:41.285714+08:00","guessed":false,"end":"2026-07-22T10:23:42.714286+08:00","text":"因為只有6年的利息補貼。","quality":0.6},{"speaker":"李委員坤城","start":"2026-07-22T10:23:43.153846+08:00","guessed":false,"end":"2026-07-22T10:23:44.846154+08:00","text":"我說遇到這種情況怎麼處理？","quality":1},{"speaker":"李委員坤城","start":"2026-07-22T10:23:45.615385+08:00","guessed":false,"end":"2026-07-22T10:23:47.888889+08:00","text":"監護權跟房子所有權人是不一樣的。","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:23:48+08:00","guessed":false,"end":"2026-07-22T10:23:57.846154+08:00","text":"不一致的話，當然我們……原來1,500萬就是因為家庭居住的需求，因為育有未成年子女，所以在面積上可能需要空間上比較大……","quality":0.837},{"speaker":"李委員坤城","start":"2026-07-22T10:23:58.333333+08:00","guessed":false,"end":"2026-07-22T10:23:59.857143+08:00","text":"對，我知道，這個我都是鼓勵。","quality":1},{"speaker":"李委員坤城","start":"2026-07-22T10:24:00+08:00","guessed":false,"end":"2026-07-22T10:24:00.666667+08:00","text":"我是說……","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:24:00.666667+08:00","guessed":true,"end":"2026-07-22T10:24:01.666667+08:00","text":"當然這個情境……","quality":0},{"speaker":"李委員坤城","start":"2026-07-22T10:24:01+08:00","guessed":false,"end":"2026-07-22T10:24:04.888889+08:00","text":"我是說萬一，因為總是會遇到這些問題，大家也會有這個疑問……","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:24:05+08:00","guessed":false,"end":"2026-07-22T10:24:08.909091+08:00","text":"是，我們在問答集裡面，未來會做詳細的一些規範。","quality":1},{"speaker":"李委員坤城","start":"2026-07-22T10:24:09+08:00","guessed":false,"end":"2026-07-22T10:24:10.866667+08:00","text":"所以你現在還沒有一個答案就對了？","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:24:11+08:00","guessed":false,"end":"2026-07-22T10:24:13.727273+08:00","text":"當然基本的原則是不變的。","quality":1},{"speaker":"李委員坤城","start":"2026-07-22T10:24:14+08:00","guessed":false,"end":"2026-07-22T10:24:15.833333+08:00","text":"對，所以我剛才問你遇到這種情況呢？","quality":0.8},{"speaker":"李委員坤城","start":"2026-07-22T10:24:16.800000+08:00","guessed":false,"end":"2026-07-22T10:24:19.538462+08:00","text":"房子的所有人跟監護權人如果是不一樣呢？","quality":0.944},{"speaker":"莊部長翠雲","start":"2026-07-22T10:24:20+08:00","guessed":false,"end":"2026-07-22T10:24:25.555556+08:00","text":"也就是這個孩子不歸屋主，孩子歸到另外一方……對，我……","quality":0.857},{"speaker":"莊部長翠雲","start":"2026-07-22T10:24:26.571429+08:00","guessed":false,"end":"2026-07-22T10:24:31.666667+08:00","text":"就1,500萬的部分，我們只就500萬的利息補貼來做一些處理。","quality":0.955},{"speaker":"李委員坤城","start":"2026-07-22T10:24:33+08:00","guessed":false,"end":"2026-07-22T10:24:42.866667+08:00","text":"比如我是屋主，用我的名字買的，但是我沒有搶到孩子的監護權，所以變成我就享受不到這個利息補貼就對了？","quality":0.889},{"speaker":"莊部長翠雲","start":"2026-07-22T10:24:43+08:00","guessed":false,"end":"2026-07-22T10:24:46+08:00","text":"對，但是從發生變化以後啦。對啊！","quality":0.846},{"speaker":"李委員坤城","start":"2026-07-22T10:24:47.500000+08:00","guessed":false,"end":"2026-07-22T10:25:04.846154+08:00","text":"所以就是會遇到這種情況，你用你的名字去申貸新青安，但是你最後沒有監護權，你們是以有沒有監護權來判定這個利息補貼就對了？","quality":0.927},{"speaker":"莊部長翠雲","start":"2026-07-22T10:25:04.846154+08:00","guessed":true,"end":"2026-07-22T10:25:05.846154+08:00","text":"因為要看誰養育嘛！","quality":0},{"speaker":"李委員坤城","start":"2026-07-22T10:25:05+08:00","guessed":false,"end":"2026-07-22T10:25:15.846154+08:00","text":"對啊，萬一遇到這種事情的話，還要去搶孩子的監護權，你才有辦法有利息的補貼。","quality":0.97},{"speaker":"莊部長翠雲","start":"2026-07-22T10:25:16+08:00","guessed":false,"end":"2026-07-22T10:25:20.750000+08:00","text":"不會的，我想婚姻發生這種情況，雙方都要有協議……","quality":0.8},{"speaker":"李委員坤城","start":"2026-07-22T10:25:21+08:00","guessed":false,"end":"2026-07-22T10:25:23.800000+08:00","text":"沒有，我們要把任何問題都先想清楚。","quality":0.933},{"speaker":"莊部長翠雲","start":"2026-07-22T10:25:24+08:00","guessed":false,"end":"2026-07-22T10:25:27.714286+08:00","text":"離婚的時候都要有相關的條款，他們之間互相的協議都應該會去考慮，包含財務的分配。","quality":0.583},{"speaker":"李委員坤城","start":"2026-07-22T10:25:28.200000+08:00","guessed":false,"end":"2026-07-22T10:25:30.800000+08:00","text":"你們的Q and A是哪時候會出來？","quality":0.733},{"speaker":"李委員坤城","start":"2026-07-22T10:25:31.600000+08:00","guessed":false,"end":"2026-07-22T10:25:32.800000+08:00","text":"一定會遇到這一種……","quality":0.875},{"speaker":"莊部長翠雲","start":"2026-07-22T10:25:33+08:00","guessed":false,"end":"2026-07-22T10:25:35.750000+08:00","text":"Q and A我們已經有在籌備，很快就會出來，當然也會滾動……","quality":0.56},{"speaker":"李委員坤城","start":"2026-07-22T10:25:36+08:00","guessed":false,"end":"2026-07-22T10:25:37.777778+08:00","text":"8月1號不是要上路了嗎？","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:25:38+08:00","guessed":false,"end":"2026-07-22T10:25:38+08:00","text":"對、對、對！","quality":0.333},{"speaker":"莊部長翠雲","start":"2026-07-22T10:25:38.333333+08:00","guessed":false,"end":"2026-07-22T10:25:45.384615+08:00","text":"可以現在上，也可以滾動不斷地去新增或做一些調整，都會的，我們會隨時做檢討、調整。","quality":0.943},{"speaker":"李委員坤城","start":"2026-07-22T10:25:46+08:00","guessed":false,"end":"2026-07-22T10:25:55.818182+08:00","text":"好，你們現在對於房屋總價有上限規定，超過上限就不讓你貸嘛，對不對？","quality":0.793},{"speaker":"李委員坤城","start":"2026-07-22T10:25:56+08:00","guessed":false,"end":"2026-07-22T10:26:05.818182+08:00","text":"臺北市3,500萬、新北市及新竹縣市是2,500萬，其他縣市就是2,000萬，只要房子總價超過了，就不會讓你貸嘛，對不對？是的。","quality":0.822},{"speaker":"李委員坤城","start":"2026-07-22T10:26:06+08:00","guessed":false,"end":"2026-07-22T10:26:13.777778+08:00","text":"好，訂這個價格是有引導建商修正價格的用意在嗎？","quality":1},{"speaker":"李委員坤城","start":"2026-07-22T10:26:14+08:00","guessed":false,"end":"2026-07-22T10:26:21.714286+08:00","text":"就是房子不要超過這個上限，如果超過這個上限，你就沒辦法用到新青安，有這個用意在嗎？不是。","quality":0.718},{"speaker":"莊部長翠雲","start":"2026-07-22T10:26:22+08:00","guessed":false,"end":"2026-07-22T10:26:49.142857+08:00","text":"主要目的是說，當你有能力去買那個價錢，表示你是一個高財力、高所得、高資力者，就不是政府要優先補助、優先協助的對象，我們必須要有一個限制，在2.0的時候社會有這樣的反映，所以我們這次就訂這個，這也是根據內政部相關的調查數據才訂出這樣的數額。對啦！","quality":0.954},{"speaker":"李委員坤城","start":"2026-07-22T10:26:49.857143+08:00","guessed":false,"end":"2026-07-22T10:27:00.600000+08:00","text":"這個會不會讓建商知道房子如果超過這個總價，新青安就申貸不到，有沒有引導房價價格修正的用意？","quality":0.929},{"speaker":"莊部長翠雲","start":"2026-07-22T10:27:02.454545+08:00","guessed":false,"end":"2026-07-22T10:27:32.500000+08:00","text":"當然在討論過程當中也有這樣的討論，但是我們認為現在房地產的情況跟我們推出2.0的情況已經不同，而且央行的信用管制也還在持續當中，內政部對房地產市場的情況也會關注，必要的時候他們也都會加強查核，以及跟地方政府一起去查辦有沒有炒作房市的情況，都會去加強做這方面的管理，這個部分在我們討論過程當中都有提到。","quality":0.993},{"speaker":"李委員坤城","start":"2026-07-22T10:27:33.200000+08:00","guessed":false,"end":"2026-07-22T10:27:54.818182+08:00","text":"我再問一下問題油的議題，因為我上次問過卓院長，他也認為食品雲有很大的空間要做討論，現在財政部有電子發票系統，我們電子發票系統跟衛福部的食品雲到底鏈接的情況是怎麼樣？","quality":0.948},{"speaker":"李委員坤城","start":"2026-07-22T10:27:57+08:00","guessed":false,"end":"2026-07-22T10:28:26.111111+08:00","text":"也就是在市面上有一種app，他自己下載，因為平常發票可能都有存在app裡面，你再下載一個食用油的程式，可以主動幫你掃出來到底買了哪些問題油，它可以直接秀出來，目前我們雖然有電子發票系統，但是好像沒有這個功能，未來財政部的電子發票系統可不可以做出像類似這種功能？","quality":0.901},{"speaker":"李委員坤城","start":"2026-07-22T10:28:27+08:00","guessed":false,"end":"2026-07-22T10:28:36.818182+08:00","text":"你們當然會說這部分勾勒得出來到底哪些廠商有問題，買哪些問題油或是問題商品也應該都知道啊！","quality":0.762},{"speaker":"李委員坤城","start":"2026-07-22T10:28:37+08:00","guessed":false,"end":"2026-07-22T10:28:42.818182+08:00","text":"因為你只要有買就會有發票，發票上面就有系統嘛！","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:28:43+08:00","guessed":false,"end":"2026-07-22T10:28:52.333333+08:00","text":"跟委員報告，我們發票系統介接到衛福部的食品雲是根據衛福部所提供的相關廠商名單……對啊！","quality":0.795},{"speaker":"李委員坤城","start":"2026-07-22T10:28:52.333333+08:00","guessed":true,"end":"2026-07-22T10:28:55+08:00","text":"如果現在衛福部提供給你有哪一些……","quality":0.267},{"speaker":"莊部長翠雲","start":"2026-07-22T10:28:55+08:00","guessed":false,"end":"2026-07-22T10:29:12.600000+08:00","text":"我們就會每個月給他或隨時他要新增什麼，我們都會提供給他，在食品雲裡面，還有其他機關的資料倒進來以後，他去做加值處理，從發票及統編來看，當他是買家的時候，上手是誰？","quality":0.808},{"speaker":"莊部長翠雲","start":"2026-07-22T10:29:13.181818+08:00","guessed":false,"end":"2026-07-22T10:29:14.818182+08:00","text":"當他是賣家的時候，下手是誰？","quality":0.833},{"speaker":"莊部長翠雲","start":"2026-07-22T10:29:15.400000+08:00","guessed":false,"end":"2026-07-22T10:29:16.600000+08:00","text":"如何追溯？","quality":1},{"speaker":"莊部長翠雲","start":"2026-07-22T10:29:17+08:00","guessed":false,"end":"2026-07-22T10:29:24.866667+08:00","text":"這個部分不是從發票單一就可以完成，例如以油來說，它也有批次不同，到底哪一些有超標、哪一些沒有超標，不能單純這樣去判斷……","quality":0.774},{"speaker":"李委員坤城","start":"2026-07-22T10:29:25+08:00","guessed":false,"end":"2026-07-22T10:29:28.750000+08:00","text":"所以這些資料是彙整到衛福部的食品雲就對了？","quality":0.85},{"speaker":"莊部長翠雲","start":"2026-07-22T10:29:29+08:00","guessed":false,"end":"2026-07-22T10:29:32.800000+08:00","text":"我們都有介接過去，讓他們可以去做加值運用。","quality":0.842},{"speaker":"李委員坤城","start":"2026-07-22T10:29:33.117647+08:00","guessed":false,"end":"2026-07-22T10:29:34.882353+08:00","text":"但看起來沒有發揮多大的功效，我們還要一個一個去查啊！","quality":0.5},{"speaker":"莊部長翠雲","start":"2026-07-22T10:29:35+08:00","guessed":false,"end":"2026-07-22T10:29:38.555556+08:00","text":"我想衛福部介接以後會去做加值運用的。","quality":0.941},{"speaker":"李委員坤城","start":"2026-07-22T10:29:39+08:00","guessed":false,"end":"2026-07-22T10:29:40.666667+08:00","text":"好，這個再問你們啦！是、是！","quality":0.6},{"speaker":"李委員坤城","start":"2026-07-22T10:29:41+08:00","guessed":false,"end":"2026-07-22T10:29:48.833333+08:00","text":"因為卓院長自己都承認這個食品雲還有很多精進的空間，民間做的都比我們還快啦！","quality":0.943},{"speaker":"莊部長翠雲","start":"2026-07-22T10:29:48.833333+08:00","guessed":true,"end":"2026-07-22T10:29:49.833333+08:00","text":"當然還是要精進，是。","quality":0},{"speaker":"莊部長翠雲","start":"2026-07-22T10:29:49.833333+08:00","guessed":true,"end":"2026-07-22T10:29:50.833333+08:00","text":"謝謝委員指教。","quality":0},{"speaker":"主席","start":"2026-07-22T10:29:49.250000+08:00","guessed":false,"end":"2026-07-22T10:29:50.750000+08:00","text":"謝謝李坤城委員的質詢。","quality":0.5},{"speaker":"主席","start":"2026-07-22T10:29:53+08:00","guessed":false,"end":"2026-07-22T10:29:54.818182+08:00","text":"下一位請林思銘委員質詢。","quality":0.909}]},"gazette":{"lineno":345,"blocks":[["李委員坤城：（10時19分）謝謝主席。我們請財政部莊部長。"],["主席：請財政部莊部長。"],["莊部長翠雲：委員好。"],["李委員坤城：部長好。新青安3.0這個政策是8月1日開始上路嗎？"],["莊部長翠雲：是的。"],["李委員坤城：對於新婚夫妻來講，其實我也很關心，你們對於婚育的家庭都予以提高補助，如果是在申請日的兩年內完成婚姻登記的話，最高可以貸到1,200萬，這是鼓勵新婚；如果有未成年子女，就可以提高到1,500萬，這鼓勵生小孩。有一些問題再請教一下部長，現在有未成年子女可以到1,500萬，包含懷孕，是不是？只要領有媽媽手冊也是適用，屬於育有未成年子女的家庭，是不是？"],["莊部長翠雲：是的、是的，有媽媽手冊。"],["李委員坤城：有媽媽手冊就可以嘛？"],["莊部長翠雲：對。"],["李委員坤城：就是懷孕，領有媽媽手冊也可以提高……"],["莊部長翠雲：他申貸的時候就懷孕了。"],["李委員坤城：對，也可以適用到1,500萬額度，是不是？"],["莊部長翠雲：是。"],["李委員坤城：好，請教一下，我們當然是希望結婚之後，從此過著幸福、美滿、快樂的生活，他也有生小孩。但是萬一啦！如果申貸了新青安3.0之後，萬一不幸夫妻離婚，我先講沒有小孩的部分，如果夫妻離婚之後，這個要怎麼算？你們這個額度會追回來嗎？利息會追回來嗎？"],["莊部長翠雲：我想是這樣子，因為他能夠貸到，假設新婚夫妻能貸到……"],["李委員坤城：新婚夫妻就是1,200萬嘛！"],["莊部長翠雲：對，假設他能到1,200萬，因為我們貸款的額度還是不能超過房屋的八成，表示這個房子的擔保品足以貸給他1,200萬，這個還是要有個前提，不是只有婚姻，不是有結婚就一定可以貸到1,200萬。"],["李委員坤城：沒有，這是增加的啦。"],["莊部長翠雲：對，假設他貸了1,200萬，但是在這6年有利息補貼的情況下，如果婚姻發生變化，譬如他就離婚的話，我們也只會就那200萬的部分，從他婚姻關係消滅起停止這個利息的補貼，就是多的那200萬。"],["李委員坤城：就是這200萬？"],["莊部長翠雲：對。"],["李委員坤城：因為我們是3加3嘛，是不是？"],["莊部長翠雲：3加3。"],["李委員坤城：6年的利息補貼。"],["莊部長翠雲：6年以後再離婚的話，當然就是另外的情形。"],["李委員坤城：如果超過6年之後離婚呢？"],["莊部長翠雲：但是他這6年裡面是有婚姻關係的。"],["李委員坤城：對，所以沒有受到影響？"],["莊部長翠雲：不會受到影響。"],["李委員坤城：所以如果6年之後再離婚，前面這6年的利息補貼不會受到影響就對了？"],["莊部長翠雲：是，那時候他有婚姻關係，我們就不會去……"],["李委員坤城：額度也不會受到影響？"],["莊部長翠雲：不會、不會。"],["李委員坤城：如果離婚之後，沒有房子的那一方還可以再去申請？"],["莊部長翠雲：離婚，在申請的時候，必須他本人跟配偶，還有未成年子女……"],["李委員坤城：不是，離婚之後，如果他單身嘛。"],["莊部長翠雲：離婚之後，他就變成單身或者又另外新婚，當然又是用……"],["李委員坤城：那就是用1,000萬的額度再去申請就對了？"],["莊部長翠雲：但是這個人本身必須沒有貸過新青安。"],["李委員坤城：如果他沒有貸過新青安，然後他離婚了，他可以繼續再用新青安3.0。"],["莊部長翠雲：對，因為他就是單獨的一個個人。"],["李委員坤城：好，這是講沒有小孩的狀態，如果有小孩的狀態呢？"],["莊部長翠雲：有小孩狀態，我們是講他育有未成年子女，如果這房子裡面依然是由這位屋主來撫育未成年子女，當然他還是可以適用原來育有未成年子女相關的貸款條件。"],["李委員坤城：好，現在會不會房子的所有人跟孩子的監護人是不同人？"],["莊部長翠雲：當然我們不能預期他們未來怎麼樣去做分配……"],["李委員坤城：對啦，我的意思是如果遇到這種情況，比如A跟B，A是這個房子的所有人，但是B擁有監護權，B因為有孩子的監護權，所以他可以有新青安貸款的優惠？"],["莊部長翠雲：對。"],["李委員坤城：但是他沒有房子啦！"],["莊部長翠雲：對，相關的細節，我想因為我們還是會做詳細明確的問答集來做回應，當然我們不希望……"],["李委員坤城：不是啦，我現在問你遇到這種情況……"],["莊部長翠雲：因為只有6年的利息補貼。"],["李委員坤城：我說遇到這種情況怎麼處理？監護權跟房子所有權人是不一樣的。"],["莊部長翠雲：不一致的話，當然我們……原來1,500萬就是因為家庭居住的需求，因為育有未成年子女，所以在面積上可能需要空間上比較大……"],["李委員坤城：對，我知道，這個我都是鼓勵。我是說……"],["莊部長翠雲：當然這個情境……"],["李委員坤城：我是說萬一，因為總是會遇到這些問題，大家也會有這個疑問……"],["莊部長翠雲：是，我們在問答集裡面，未來會做詳細的一些規範。"],["李委員坤城：所以你現在還沒有一個答案就對了？"],["莊部長翠雲：當然基本的原則是不變的。"],["李委員坤城：對，所以我剛才問你遇到這種情況呢？房子的所有人跟監護權人如果是不一樣呢？"],["莊部長翠雲：也就是這個孩子不歸屋主，孩子歸到另外一方……"],["李委員坤城：對，我……"],["莊部長翠雲：就1,500萬的部分，我們只就500萬的利息補貼來做一些處理。"],["李委員坤城：比如我是屋主，用我的名字買的，但是我沒有搶到孩子的監護權，所以變成我就享受不到這個利息補貼就對了？"],["莊部長翠雲：對，但是從發生變化以後啦。"],["李委員坤城：對啊！所以就是會遇到這種情況，你用你的名字去申貸新青安，但是你最後沒有監護權，你們是以有沒有監護權來判定這個利息補貼就對了？"],["莊部長翠雲：因為要看誰養育嘛！"],["李委員坤城：對啊，萬一遇到這種事情的話，還要去搶孩子的監護權，你才有辦法有利息的補貼。"],["莊部長翠雲：不會的，我想婚姻發生這種情況，雙方都要有協議……"],["李委員坤城：沒有，我們要把任何問題都先想清楚。"],["莊部長翠雲：離婚的時候都要有相關的條款，他們之間互相的協議都應該會去考慮，包含財務的分配。"],["李委員坤城：你們的Q and A是哪時候會出來？一定會遇到這一種……"],["莊部長翠雲：Q and A我們已經有在籌備，很快就會出來，當然也會滾動……"],["李委員坤城：8月1號不是要上路了嗎？"],["莊部長翠雲：對、對、對！可以現在上，也可以滾動不斷地去新增或做一些調整，都會的，我們會隨時做檢討、調整。"],["李委員坤城：好，你們現在對於房屋總價有上限規定，超過上限就不讓你貸嘛，對不對？臺北市3,500萬、新北市及新竹縣市是2,500萬，其他縣市就是2,000萬，只要房子總價超過了，就不會讓你貸嘛，對不對？"],["莊部長翠雲：是的。"],["李委員坤城：好，訂這個價格是有引導建商修正價格的用意在嗎？就是房子不要超過這個上限，如果超過這個上限，你就沒辦法用到新青安，有這個用意在嗎？"],["莊部長翠雲：不是。主要目的是說，當你有能力去買那個價錢，表示你是一個高財力、高所得、高資力者，就不是政府要優先補助、優先協助的對象，我們必須要有一個限制，在2.0的時候社會有這樣的反映，所以我們這次就訂這個，這也是根據內政部相關的調查數據才訂出這樣的數額。"],["李委員坤城：對啦！這個會不會讓建商知道房子如果超過這個總價，新青安就申貸不到，有沒有引導房價價格修正的用意？"],["莊部長翠雲：當然在討論過程當中也有這樣的討論，但是我們認為現在房地產的情況跟我們推出2.0的情況已經不同，而且央行的信用管制也還在持續當中，內政部對房地產市場的情況也會關注，必要的時候他們也都會加強查核，以及跟地方政府一起去查辦有沒有炒作房市的情況，都會去加強做這方面的管理，這個部分在我們討論過程當中都有提到。"],["李委員坤城：我再問一下問題油的議題，因為我上次問過卓院長，他也認為食品雲有很大的空間要做討論，現在財政部有電子發票系統，我們電子發票系統跟衛福部的食品雲到底鏈接的情況是怎麼樣？也就是在市面上有一種app，他自己下載，因為平常發票可能都有存在app裡面，你再下載一個食用油的程式，可以主動幫你掃出來到底買了哪些問題油，它可以直接秀出來，目前我們雖然有電子發票系統，但是好像沒有這個功能，未來財政部的電子發票系統可不可以做出像類似這種功能？你們當然會說這部分勾勒得出來到底哪些廠商有問題，買哪些問題油或是問題商品也應該都知道啊！因為你只要有買就會有發票，發票上面就有系統嘛！"],["莊部長翠雲：跟委員報告，我們發票系統介接到衛福部的食品雲是根據衛福部所提供的相關廠商名單……"],["李委員坤城：對啊！如果現在衛福部提供給你有哪一些……"],["莊部長翠雲：我們就會每個月給他或隨時他要新增什麼，我們都會提供給他，在食品雲裡面，還有其他機關的資料倒進來以後，他去做加值處理，從發票及統編來看，當他是買家的時候，上手是誰？當他是賣家的時候，下手是誰？如何追溯？這個部分不是從發票單一就可以完成，例如以油來說，它也有批次不同，到底哪一些有超標、哪一些沒有超標，不能單純這樣去判斷……"],["李委員坤城：所以這些資料是彙整到衛福部的食品雲就對了？"],["莊部長翠雲：我們都有介接過去，讓他們可以去做加值運用。"],["李委員坤城：但看起來沒有發揮多大的功效，我們還要一個一個去查啊！"],["莊部長翠雲：我想衛福部介接以後會去做加值運用的。"],["李委員坤城：好，這個再問你們啦！"],["莊部長翠雲：是、是！"],["李委員坤城：因為卓院長自己都承認這個食品雲還有很多精進的空間，民間做的都比我們還快啦！"],["莊部長翠雲：當然還是要精進，是。謝謝委員指教。"],["主席：謝謝李坤城委員的質詢。","下一位請林思銘委員質詢。"]],"agenda":{"page_end":408,"meet_id":"委員會-11-5-20-23","speakers":["吳秉叡","林楚茵","張智倫","賴士葆","林倩綺","林德福","郭國文","賴惠員","劉書彬","李坤城","林思銘","顏寬恒","李彥秀","王世堅","羅明才","鍾佳濱","許忠信","陳玉珍"],"page_start":361,"meetingDate":["2026-07-22"],"gazette_id":"1156601","agenda_lcidc_ids":["1156601_00009"],"meet_name":"立法院第11屆第5會期財政委員會第23次全體委員會議紀錄","content":"一、審查「遺產及贈與稅法」12案：（詢答）(一)本院委員吳秉叡等19人、委員郭昱晴等16人、\n委員林楚茵等16人、委員王美惠等17人、委員李坤城等19人、委員郭國文等21人分別擬具「遺產\n及贈與稅法部分條文修正草案」等6案、(二)本院委員賴惠員等16人擬具「遺產及贈與稅法第六\n條、第十五條及第十七條之一條文修正草案」案、(三)本院委員王鴻薇等18人、委員林思銘等18\n人分別擬具「遺產及贈與稅法第十五條條文修正草案」等2案、(四)本院委員張智倫等17人擬具\n「遺產及贈與稅法第十五條及第十七條之一條文修正草案」案、(五)本院委員李彥秀等16人擬具\n「遺產及贈與稅法第十五條、第十七條之一及第二十九條條文修正草案」案、(六)本院委員賴士\n葆等26 人擬具「遺產及贈與稅法第三十條及第四十一條條文修正草案」案；二、審查「土地稅\n法」9案：（詢答）(一)本院委員李坤城等18人、委員馬文君等20人分別擬具「土地稅法增訂第\n十七條之一條文草案」等2案、(二)行政院函請審議、本院委員王美惠等 18人、委員傅崐萁等19\n人、委員李彥秀等18人、委員林倩綺等19人、委員賴士葆等41人、委員鄭天財 Sra Kacaw 等17人\n分別擬具「土地稅法第十七條之一及第十九條條文修正草案」等7案；三、審查「房屋稅條例」9\n案：（詢答）(一)本院委員李坤城等19人、委員馬文君等21人分別擬具「房屋稅條例增訂第五條\n之一條文草案」等2案、(二)行政院函請審議、本院委員王美惠等19人、委員傅崐萁等19人、委\n員李彥秀等18人、委員林倩綺等19人、委員賴士葆等41人、委員鄭天財 Sra Kacaw 等17人分別擬\n具「房屋稅條例第五條之一及第六條條文修正草案」等7案","agenda_id":"1156601_00017"}}},"supported_relations":[],"relations":[]}