擁有房產、代間協助、與社會地位間關係之研究

A Study on the Relationship Between Owning Real Estate, Intergenerational Financial Support, and Social Status in Taiwan

近年來我國房價快速上漲，來自代間的協助對於我國民眾擁有房產的重要程度為何？而擁有房產是否又能夠增加個人在社會上的立足點與條件？本文使用「台灣社會變遷基本調查」與「華人家庭動態資料庫」之資料來進行實證估計。估計結果顯示獲有代間協助的樣本擁有自己或配偶名下房產的機率較未獲有代間協助的樣本高出29.2%；而在擁有房產的樣本中，獲有代間協助者擁有第二間以上房產的機率又較未獲有代間協助者高出21.4%。此外，擁有房產對於個人主觀社會階層認定有正向的影響，而由己方購買婚後住房者所婚配的配偶平均而言客觀條件較高。

In recent years, rapidly rising housing prices and the flat or even retrogressive wage level in Taiwan have made it more difficult for the younger generation to buy a house and, therefore, intergenerational financial support from family members has become critical when the young generation wants to purchase a home. What is the extent of the importance of intergenerational financial support in owning real estate? Furthermore, what is the impact of owning real estate on the social status of the people? This paper employs data from the “Taiwan Social Change Survey” and “Panel Study of Family Dynamics” published by the Research Center for Humanities and Social Sciences at Academia Sinica to perform empirical estimations. The estimation results suggest that intergenerational financial support increases the probability of owning real estate by 29.2%. In addition, owning real estate improves self-evaluated social status. Finally, the objective conditions of spouses are higher for those sampled who are able to provide post-marriage housing.