《有殼氏房屋貸款指南》

How to loan to buy a shell

根據《Numbeo》統計資料顯示，2020年中房價所得比排名第1名為敘利亞，價格與收入比高達63.39居冠，第2名為香港，價格與收入比43.52，柬埔寨39.89，第6名菲律賓29.92、第8名中國大陸28.40、第9名台灣24.2和第10名尼泊爾24.19。亞洲的日本第42名、南韓第16名和新加坡第13名。

全球社會議題中受疫情影響扶搖直上的房市問題愈發熱絡，高房價可能會成為這波疫情下導致出的最重大隱憂，臺灣的高房價一直是備受社會經濟學家矚目的特例，而臺灣擁有最高房價所得比卻相反的也擁有最高的空屋率，其中問題盤根錯節環環相扣，也絕非單一解決政策是能一勞永逸。房市問題一直是東亞各國顯著的癥結點；南韓採用提高囤房稅的方式，試圖提高營運成本，然而卻逆向導致終端價格的暴漲；香港雖是最低稅率的城市之一卻在重商主義的資本結構下房產市場被越炒越高直到生成強烈而明顯的民生問題。相形新加坡以政府方介入擁有組房和公積金制度，雖仍有其缺陷存在卻在政府的保障下得以一定程度上的維持房市、避免惡意炒房。以及德國以首付比例與房產稅和貨幣投放的控制促成個人所得增長率大幅超越房價增長率，也因此德在戰後以來未曾發生過房產泡沫事件。國情不同會導致相同的政策產生相異的結果。把買房視為重要人生階段的國家在面對房產業問題時將會更加嚴重；與此同時既得利益者在大規模財富槓桿下成為大幅度影響社會發展的角色，受商業團體主導與箝制下的政府將無可避免的陷入封閉循環之中。

在只看得見眼前約十公分左右的未來中亦步亦趨，不斷地向前最終仍然踏著重複的路徑。不用多慮，隔壁的鄰居也是如你亦同。就算是一無所有的無家者也仍舊是在更大卻更虛幻的範圍以生物本能徘徊。而這些一切的一切，都在無休止興建的鋼筋建設案中重複的循環上演。

According to "Numbeo" statistics, in 2020, the housing price income ratio ranked first in Syria, with a price-to-income ratio of 63.39, ranking second, Hong Kong, 43.52 in price-to-income ratio, 39.89 in Cambodia, and 29.92 in the Philippines. , The eighth place is 28.40 in Mainland China, the ninth place is Taiwan 24.2 and the tenth place is Nepal at 24.19. In Asia, Japan is ranked 42nd, South Korea is ranked 16th, and Singapore is ranked 13th.

Among the global social issues, the real estate market that has been affected by the epidemic is becoming more and more heated. High housing prices may become the most important worry caused by this wave of epidemics. Taiwan’s high housing prices have always been a special case that has attracted the attention of social economists, and Taiwan has On the contrary, the highest housing price-to-income ratio also has the highest vacancy rate. The problems are intertwined, and it is by no means a single solution policy that can be solved once and for all. The housing market problem has always been a significant sticking point in East Asian countries; South Korea has adopted the method of increasing housing tax to try to increase operating costs, but the reverse has led to a skyrocketing terminal price; Hong Kong is one of the cities with the lowest tax rate but is in the capital of mercantilism Under the structure, the real estate market has become more and more speculative until a strong and obvious livelihood problem arises. In Singapore, the government intervenes in the ownership of the housing and provident fund system. Although there are still shortcomings, it can maintain the housing market to a certain extent and avoid malicious real estate speculation under the protection of the government. And Germany's down payment ratio and real estate tax and currency control have contributed to the growth rate of personal income that has greatly exceeded the growth rate of housing prices. Therefore, Germany has not had a real estate bubble event since the war. Different national conditions will cause the same policy to produce different results. Countries that regard buying a house as an important life stage will face the problem of the housing industry more seriously; at the same time, vested interests have become a role that greatly affects social development under the large-scale wealth leverage, and are dominated and controlled by commercial groups. The government will inevitably fall into a closed loop.

In the future where only about ten centimeters can be seen, I will keep moving forward, and I am still following a repeated path in the end. Don't worry too much, the neighbor next door is the same as you. Even the homeless with nothing still wanders in a larger but more illusory range with biological instincts. And all of these are repeated in the endless rebar construction projects.