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房地产泡沫.
房地产泡沫是一个周期性的全球或区域性不动产泡沫经济。其表现为快速的房地产增值,最后价格到了相对收入太高的一个位置,房地产泡沫一般产生于土地繁荣之后[1]。土地繁荣是指住宅等房地产的市场价格迅速上升,直到达到不可持续的水平,然后下降。在崩盘前的这段时间就被称为房地产泡沫。关于房地产泡沫是否可以被识别和预防,以及它们是否具有更广泛的宏观经济意义,各经济思想学派有不同的回答[1][2]。
房市指数
- 住宅负担能力指数(Housing affordability index)测量国民家庭购买住宅的财务能力的一项指数。
- 房屋贷款负担比率(Housing debt measures)评估购屋负担能力的指标。中华民国政府房价负担能力指标有二:贷款负担率和房价所得比。[3]
- Housing ownership and rent measures
- Housing price indices
房屋贷款
美国发生房市泡沫时,国家的房市贷款额非常之高,这跟美国次级贷款政策有关,因为次级贷款的关系,增加了大量的人民去贷款,也让投机主义者有机可乘[4],投机住宅房地产早已被认为是美国次贷危机的一个促进因素[5]。2005年迈阿密新建的房屋,85%的房屋销售业绩来自于投机者。[6]
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