台中市消費者購屋及房屋貸款選擇因素

Choosing Factors of Purchasing a House and Home Loan for Taichung City Consumer

台中市地理位置適中，氣候條件優越，加上自COVID-19後，民眾存有買房對抗通膨的心理因素，使得台中市房市交易熱絡。然因土地取得、建築材料及人力的成本大幅上漲，使得台中市房屋買賣之時價登錄價格的平均總價，以及貸款案量，屢創新高。購屋是人生中的重大決策，不同社經條件的消費者，對於購屋時所考量的因素有所不同。在另一方面，房屋貸款幾乎是消費者一生中最大的一筆債務，不同銀行貸放條件亦會影響民眾之選擇。本文除了探討台中市消費者購買房產時之選擇因素，也調查消費者向銀行申請購屋貸款時之選擇因素。本文採用問卷調查法蒐集資料，研究對象為目前居住於台中市的消費者，問卷發放期間為112年04月10日至112年05月10日，收集有效問卷共208份。研究結果顯示，有專人管理的大樓(華廈)、有無停車位、住宅周邊交通便利性及生活機能等因素，是消費者在選購房屋上考量的要點；銀行貸款利率、年期、成數是消費者向銀行申請購屋貸款時，較為重視的部分。

Taichung City has a moderate geographical location and superior climate conditions. And, since December 2019 (COVID-19), factors such as the sharp increase in construction costs and people’s anticipatory psychology of buying houses to fight inflation have made the real estate market transactions hot in Taichung City. However, due to the sharp increase in the cost of land acquisition, construction materials and labor, the average total price of real estate sales in Taichung City, as well as the number of loan cases, continue to hit new highs. Consumers with different social conditions have some understanding of the key factors to consider when buying a house. In addition, home loans are almost the largest expenditure liability in a consumer's life, and different bank lending conditions will affect people's choices. This article not only explores the factors consumers choose when purchasing real estate in Taichung City, but also investigates the choices consumers make when applying for home purchase loans from banks. The article uses a survey method to collect data. The research subjects are consumers currently living in Taichung City. The survey period is from April 10, 2023 to May 10, 2023, and a total of 208 valid questionnaires are collected. The research results show that factors such as the building with dedicated management, the availability of parking spaces, the convenience of transportation around the residence, and living functions are the key points that consumers consider when purchasing a house; bank loan interest rates, number of years, and cost Number is the most important part when consumers apply for a home loan from a bank.