{"error":false,"id":["170655"],"data":{"IVOD_ID":170655,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/170655","日期":"2026-07-22","會議資料":{"會議代碼":"委員會-11-5-20-23","會議代碼:str":"第11屆第5會期財政委員會第23次全體委員會議","屆":11,"會期":5,"會次":23,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第5會期財政委員會第23次全體委員會議"},"影片種類":"Clip","開始時間":"2026-07-22T10:52:42+08:00","結束時間":"2026-07-22T11:03:49+08:00","影片長度":"00:11:07","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/7469000803f9b6aa76b0c41e9637fadea12cc4407a29209f44a10b38cb6ea4e795517a371d75927e5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"顏寬恒","委員發言時間":"10:52:42 - 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Kacaw等17人分別擬具「房屋稅條例第五條之一及第六條條文修正草案」等7案。【後5案如經院會復議，本次會議不予審查】\n【7月22日及23日二天一次會】）","transcript":{"pyannote":[{"speaker":"SPEAKER_01","start":0.03096875,"end":1.53284375},{"speaker":"SPEAKER_01","start":2.03909375,"end":2.9334687500000003},{"speaker":"SPEAKER_01","start":8.89034375,"end":8.92409375},{"speaker":"SPEAKER_00","start":8.92409375,"end":9.29534375},{"speaker":"SPEAKER_01","start":9.29534375,"end":10.341593750000001},{"speaker":"SPEAKER_01","start":10.83096875,"end":13.56471875},{"speaker":"SPEAKER_01","start":14.30721875,"end":17.51346875},{"speaker":"SPEAKER_01","start":18.137843750000002,"end":19.16721875},{"speaker":"SPEAKER_01","start":19.58909375,"end":21.141593750000002},{"speaker":"SPEAKER_01","start":21.42846875,"end":28.364093750000002},{"speaker":"SPEAKER_01","start":28.39784375,"end":30.65909375},{"speaker":"SPEAKER_01","start":31.01346875,"end":31.03034375},{"speaker":"SPEAKER_01","start":31.047218750000003,"end":31.941593750000003},{"speaker":"SPEAKER_01","start":32.31284375,"end":34.47284375},{"speaker":"SPEAKER_01","start":34.79346875,"end":35.36721875},{"speaker":"SPEAKER_01","start":35.85659375,"end":38.15159375},{"speaker":"SPEAKER_01","start":38.38784375,"end":54.486593750000004},{"speaker":"SPEAKER_01","start":54.790343750000005,"end":57.017843750000004},{"speaker":"SPEAKER_01","start":57.49034375,"end":60.679718750000006},{"speaker":"SPEAKER_01","start":61.25346875,"end":68.93159375},{"speaker":"SPEAKER_00","start":69.33659375,"end":81.38534375},{"speaker":"SPEAKER_00","start":81.60471875,"end":92.25284375000001},{"speaker":"SPEAKER_01","start":92.82659375,"end":106.63034375000001},{"speaker":"SPEAKER_01","start":106.98471875000001,"end":108.65534375},{"speaker":"SPEAKER_01","start":108.89159375000001,"end":117.53159375000001},{"speaker":"SPEAKER_01","start":117.71721875,"end":122.32409375},{"speaker":"SPEAKER_01","start":122.83034375000001,"end":126.81284375000001},{"speaker":"SPEAKER_01","start":127.09971875000001,"end":131.16659375},{"speaker":"SPEAKER_01","start":131.52096875,"end":133.59659375},{"speaker":"SPEAKER_00","start":132.85409375,"end":132.93846875},{"speaker":"SPEAKER_00","start":132.98909375,"end":133.24221875},{"speaker":"SPEAKER_01","start":134.37284375000002,"end":135.16596875000002},{"speaker":"SPEAKER_01","start":135.72284375,"end":138.76034375},{"speaker":"SPEAKER_01","start":139.26659375,"end":140.29596875000001},{"speaker":"SPEAKER_01","start":140.59971875000002,"end":146.43846875},{"speaker":"SPEAKER_01","start":146.82659375,"end":162.65534375000001},{"speaker":"SPEAKER_00","start":164.10659375,"end":177.50534375},{"speaker":"SPEAKER_00","start":177.60659375,"end":230.93159375000002},{"speaker":"SPEAKER_01","start":179.36159375,"end":182.44971875000002},{"speaker":"SPEAKER_01","start":182.61846875,"end":182.90534375000001},{"speaker":"SPEAKER_00","start":231.25221875000003,"end":237.41159375},{"speaker":"SPEAKER_00","start":237.63096875000002,"end":264.05721875},{"speaker":"SPEAKER_01","start":259.12971875,"end":260.31096875000003},{"speaker":"SPEAKER_01","start":261.86346875000004,"end":267.06096875000003},{"speaker":"SPEAKER_00","start":266.43659375000004,"end":276.76409375000003},{"speaker":"SPEAKER_01","start":273.16971875,"end":274.80659375},{"speaker":"SPEAKER_01","start":275.68409375000005,"end":284.10471875},{"speaker":"SPEAKER_01","start":285.62346875000003,"end":289.80846875000003},{"speaker":"SPEAKER_01","start":290.04471875,"end":297.62159375000005},{"speaker":"SPEAKER_01","start":298.21221875000003,"end":298.49909375000004},{"speaker":"SPEAKER_01","start":298.83659375,"end":303.49409375000005},{"speaker":"SPEAKER_01","start":303.62909375000004,"end":308.87721875},{"speaker":"SPEAKER_01","start":309.11346875000004,"end":310.61534375},{"speaker":"SPEAKER_01","start":310.88534375,"end":312.69096875},{"speaker":"SPEAKER_01","start":313.34909375,"end":314.05784375},{"speaker":"SPEAKER_01","start":315.03659375,"end":315.52596875},{"speaker":"SPEAKER_00","start":317.39909375,"end":317.43284375},{"speaker":"SPEAKER_01","start":317.43284375,"end":318.76596875},{"speaker":"SPEAKER_00","start":317.44971875000005,"end":333.21096875},{"speaker":"SPEAKER_01","start":324.14909375,"end":324.18284375},{"speaker":"SPEAKER_01","start":324.26721875000004,"end":328.26659375},{"speaker":"SPEAKER_01","start":329.02596875,"end":330.94971875000005},{"speaker":"SPEAKER_01","start":331.47284375000004,"end":345.54659375},{"speaker":"SPEAKER_00","start":342.45846875,"end":352.88721875000005},{"speaker":"SPEAKER_01","start":349.74846875000003,"end":364.59846875000005},{"speaker":"SPEAKER_00","start":353.84909375,"end":356.27909375},{"speaker":"SPEAKER_00","start":357.17346875000004,"end":358.38846875},{"speaker":"SPEAKER_00","start":358.96221875000003,"end":359.29971875},{"speaker":"SPEAKER_00","start":360.76784375,"end":365.69534375},{"speaker":"SPEAKER_01","start":365.23971875,"end":372.32721875000004},{"speaker":"SPEAKER_01","start":372.39471875000004,"end":374.8415937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放偶這樣子"},{"start":173.92,"end":174.92,"text":"我覺得我們都覺得會"},{"start":174.92,"end":176.92,"text":"難過也滿遺憾的"},{"start":176.92,"end":178.92,"text":"那新案3.0就是"},{"start":178.92,"end":179.92,"text":"都實務上"},{"start":179.92,"end":180.92,"text":"我們講的是實務上"},{"start":180.92,"end":181.92,"text":"如果遇到這個狀況"},{"start":181.92,"end":182.92,"text":"如果現在就"},{"start":182.92,"end":183.92,"text":"我們現在就講說"},{"start":183.92,"end":186.92,"text":"如果第一個他是在離婚"},{"start":186.92,"end":187.92,"text":"那以後發生離婚的話"},{"start":187.92,"end":189.92,"text":"我們講說1200萬是"},{"start":189.92,"end":192.92,"text":"當時是他是在新婚兩年內他來買"},{"start":192.92,"end":195.92,"text":"然後他的房子的貸款的價值"},{"start":195.92,"end":198.92,"text":"單保價值也可以能夠"},{"start":198.92,"end":200.92,"text":"帶到1200萬才會"},{"start":200.92,"end":202.92,"text":"這個案子才會成立"},{"start":202.92,"end":203.92,"text":"才會成立"},{"start":203.92,"end":204.92,"text":"那成立以後"},{"start":204.92,"end":206.92,"text":"假設說他在六年裡面"},{"start":206.92,"end":208.92,"text":"就是政府協助這個貸款補助裡面"},{"start":208.92,"end":210.92,"text":"他六年裡面很遺憾的"},{"start":210.92,"end":212.92,"text":"發生了離婚的話"},{"start":212.92,"end":214.92,"text":"那也就從離婚以後"},{"start":214.92,"end":217.92,"text":"對於他200萬那個部分的利息補貼"},{"start":217.92,"end":218.92,"text":"我們就停止了"},{"start":218.92,"end":220.92,"text":"好 大概就停止了"},{"start":220.92,"end":222.92,"text":"那至於上偶"},{"start":222.92,"end":224.92,"text":"我們真的也不希望發生這樣的一個事情"},{"start":224.92,"end":225.92,"text":"如果真的發生"},{"start":225.92,"end":228.92,"text":"很不幸的發生這種意外上偶等等的情況下"},{"start":228.92,"end":230.92,"text":"我相信我們也要"},{"start":230.92,"end":233.92,"text":"從人道的部分來思考這樣的一個事情"},{"start":233.92,"end":235.92,"text":"我覺得我們現在先不要去說"},{"start":235.92,"end":236.92,"text":"萬一上偶了怎麼樣"},{"start":236.92,"end":239.92,"text":"我想這個東西會讓人很難過"},{"start":239.92,"end":244.92,"text":"那我們只是希望就是說大家祝福他"},{"start":244.92,"end":246.92,"text":"然後政府給予一些協助"},{"start":246.92,"end":249.92,"text":"那如果很遺憾的發生婚姻的一個變化的話"},{"start":249.92,"end":250.92,"text":"只有在這個"},{"start":250.92,"end":253.92,"text":"而且他又當時因為這樣的一個條件"},{"start":253.92,"end":255.92,"text":"和給了相關比較多的一個額度的話"},{"start":255.92,"end":257.91999999999996,"text":"我們也從那個之後"},{"start":257.91999999999996,"end":259.91999999999996,"text":"利息停止給予一些協助"},{"start":259.91999999999996,"end":261.91999999999996,"text":"我真的不要去"},{"start":261.91999999999996,"end":262.91999999999996,"text":"不是不是"},{"start":262.91999999999996,"end":264.91999999999996,"text":"因為這個實務上一定會遇到"},{"start":264.91999999999996,"end":265.91999999999996,"text":"這實務上一定會遇到"},{"start":265.91999999999996,"end":267.91999999999996,"text":"實務上遇到的時候"},{"start":267.91999999999996,"end":268.91999999999996,"text":"銀行在處理的時候"},{"start":268.91999999999996,"end":269.91999999999996,"text":"他們會合情合理"},{"start":269.91999999999996,"end":271.91999999999996,"text":"尤其像上偶那個情況"},{"start":271.91999999999996,"end":273.91999999999996,"text":"我覺得沒有人希望發生這樣的"},{"start":273.91999999999996,"end":275.91999999999996,"text":"那一定會經濟上也可能產生一些變化"},{"start":275.91999999999996,"end":277.91999999999996,"text":"如果發現假結婚"},{"start":277.91999999999996,"end":279.91999999999996,"text":"一定會這個研辦會處理"},{"start":279.91999999999996,"end":281.91999999999996,"text":"會取消他的貸款"},{"start":281.92,"end":285.92,"text":"那如果是這個結婚之後"},{"start":285.92,"end":287.92,"text":"然後發生了離婚的行為"},{"start":287.92,"end":291.92,"text":"那經過你也會取消他的貸款優惠"},{"start":291.92,"end":292.92,"text":"優惠的部分"},{"start":292.92,"end":293.92,"text":"但是如果發現"},{"start":293.92,"end":295.92,"text":"如果發生了任何一方"},{"start":295.92,"end":297.92,"text":"發生事故"},{"start":297.92,"end":299.92,"text":"這是確實發生的"},{"start":299.92,"end":300.92,"text":"這種情況之下"},{"start":300.92,"end":302.92,"text":"因為你剛剛沒有很明確的說你會怎麼做"},{"start":302.92,"end":304.92,"text":"符合人道的標準"},{"start":304.92,"end":305.92,"text":"當然我們要援助他"},{"start":305.92,"end":306.92,"text":"政府要協助他"},{"start":306.92,"end":308.92,"text":"但是確實發生這個事情了"},{"start":308.92,"end":311.92,"text":"所以你是要取消他的優惠嗎"},{"start":311.92,"end":315.92,"text":"還是要讓他的優惠繼續"},{"start":316.92,"end":318.92,"text":"不是很明確一點的關係"},{"start":318.92,"end":321.92,"text":"多帶了兩百萬或五百萬的部分"},{"start":321.92,"end":324.92,"text":"取得了一個利息的協助"},{"start":324.92,"end":326.92,"text":"而且他的房子價值要爆掉"},{"start":326.92,"end":327.92,"text":"這個是要讓民眾安心"},{"start":327.92,"end":328.92,"text":"那沒有人會希望說"},{"start":328.92,"end":331.92,"text":"他安心說被我捨了以後我要怎麼辦"},{"start":331.92,"end":332.92,"text":"沒有人會舉起"},{"start":332.92,"end":335.92,"text":"實務上確實是常常發生"},{"start":335.92,"end":337.92,"text":"因為很多這種情況"},{"start":337.92,"end":338.92,"text":"不管是生病"},{"start":338.92,"end":340.92,"text":"不管是交通事故"},{"start":340.92,"end":342.92,"text":"都會有這種情況的發生"},{"start":342.92,"end":344.92,"text":"所以一旦發生"},{"start":344.92,"end":345.92,"text":"因為一旦發生"},{"start":345.92,"end":346.92,"text":"他的經濟可能就"},{"start":346.92,"end":349.92,"text":"我們一定會基於人道的立場來思考"},{"start":349.92,"end":350.92,"text":"所以這個部分"},{"start":350.92,"end":353.92,"text":"這個約會並不會因此的消失"},{"start":353.92,"end":354.92,"text":"部長的意思就是"},{"start":354.92,"end":356.92,"text":"發生這樣的不幸"},{"start":356.92,"end":358.92,"text":"所以我們政府只要查明屬實"},{"start":358.92,"end":360.92,"text":"這個不幸發生了"},{"start":360.92,"end":361.92,"text":"但是我們政府會給你協助"},{"start":361.92,"end":363.92,"text":"不會取消他的優惠"},{"start":363.92,"end":365.92,"text":"比較人溫暖的方式來做處理"},{"start":365.92,"end":367.92,"text":"部長我再強調"},{"start":367.92,"end":371.92,"text":"因為就銀行的受信審核標準來看"},{"start":371.92,"end":373.92,"text":"如果你把它訂在天花板"},{"start":373.92,"end":375.92,"text":"就200萬以下"},{"start":375.92,"end":376.92,"text":"200萬以下"},{"start":376.92,"end":379.92,"text":"然後要去帶1500的房貸"},{"start":379.92,"end":380.92,"text":"以婚姻宅為例"},{"start":380.92,"end":382.92,"text":"如果沒有其他的擔保"},{"start":382.92,"end":385.92,"text":"那你的收入不到200萬"},{"start":385.92,"end":387.92,"text":"幾乎無法通過核貸"},{"start":387.92,"end":388.92,"text":"幾乎無法通過核貸"},{"start":388.92,"end":390.92,"text":"如果在台北市就更不用講"},{"start":390.92,"end":394.92,"text":"縱使你要購買3500萬年的這些物件"},{"start":394.92,"end":396.92,"text":"你的收入根本不可能"},{"start":396.92,"end":398.92,"text":"你200萬以內的收入"},{"start":398.92,"end":399.92,"text":"根本不可能通過銀行"},{"start":399.92,"end":402.92,"text":"他這個收支比還有還款能力的評估"},{"start":402.92,"end":405.92,"text":"所以這個東西就是我們在政策規劃上"},{"start":405.92,"end":407.92,"text":"的一個內在矛盾"},{"start":407.92,"end":408.92,"text":"的一個內在矛盾"},{"start":408.92,"end":411.92,"text":"你行政院一方面把貸款拉高"},{"start":411.92,"end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nd":626.92,"text":"是什麼個情況"},{"start":626.92,"end":628.92,"text":"所以還是個案買來碰到才知道"},{"start":628.92,"end":629.92,"text":"是是是的"},{"start":629.92,"end":631.92,"text":"那個案情況我們當然看"},{"start":631.92,"end":633.92,"text":"個案情況來做相應的處理"},{"start":633.92,"end":634.92,"text":"謝謝委員"},{"start":634.92,"end":636.92,"text":"我想就是我們最主要這些提案"},{"start":636.92,"end":640.92,"text":"都是要希望能夠透過這個租稅優惠"},{"start":640.92,"end":642.92,"text":"對不對鼓勵青年"},{"start":642.92,"end":644.92,"text":"尤其是手購主對不對"},{"start":644.92,"end":646.92,"text":"所以這個部分我想我們要"},{"start":646.92,"end":648.92,"text":"還是要全力的支持"},{"start":648.92,"end":649.92,"text":"那後續我們提到的部分"},{"start":649.92,"end":651.92,"text":"再請你把這些資料"},{"start":651.92,"end":653.92,"text":"給我們辦公室"},{"start":653.92,"end":654.92,"text":"好我們要順便補充給委員"},{"start":654.92,"end":655.92,"text":"謝謝委員"},{"start":655.92,"end":656.92,"text":"謝謝"},{"start":656.92,"end":658.92,"text":"謝謝員官和委員"},{"start":658.92,"end":660.92,"text":"下一位質詢委員李彥秀委員"},{"start":660.92,"end":662.92,"text":"李彥秀委員質詢完結束之後"},{"start":662.92,"end":664.92,"text":"休息五分鐘"}]}},"supported_relations":[],"relations":[]}