N本报驻台记者 陈惠聪

N zaobao's a reporter ChenHuiCong

　　本报台北专电 日前，福州保障房覆盖面将扩大的消息引起众多市民的关注。而在台湾，合宜住房（合宜价格的住房）是官方提供保障房的主要形式。福州与台湾的保障房制度有一些共性，不过，在防范“骗购”问题上，台湾更为严厉。“骗购者”不仅要被收回房屋，还要被罚50万元（新台币，下同）。另外，新开发的合宜住宅，除非遭法院拍卖或死亡继承，10年内都不得转售。

This newspaper has ZhuanDian Taipei，Fuzhou security room will expand coverage of news caused numerous public attention。And in Taiwan，Fitting housing（Fitting the housing price）Provide security official is the main form of room。Fuzhou and Taiwan's security room system has some general character，but，In the prevention“designated”The problem，Taiwan tougher。“The designated”Not only to be retrieved houses，Also was fined 500000 yuan（Nt $，Hereinafter the same）。In addition，The development of new residence fitting，By the court to auction or death unless inherited，10 years may resale。

　　【优惠】比市价低四成购房压力不大

【preferential】Forty percent lower than market price pressure that buy a house is not big

　　日前在新北市板桥浮洲合宜住宅“日胜幸福站”项目销售中心，数百民众向开发商提交了申购书。浮洲合宜住宅销售负责人吴祁告诉记者，上个月28日公开预售，一下子就有3000余人涌进来看房。6天下来，已经有7000多位申购者完成登记。

A new north city in banqiao float state house uncovered“Day is worth happiness stand”Project sales center，Hundreds of people to developers to submit a explain buy books。Floating state of residential sales right WuQi told reporters，Last month 28 public open to booking，More than 3000 people at a draught flood in the apartment now。Six days down，Has completed more than 7000 explain full registration。

　　这与台湾眼下并不景气的房地产市场形成鲜明对比。“日胜幸福站”以低廉价格吸引民众，据悉，“日胜幸福站”不分楼层，每坪（约3.3平方米）的价格均是19.5万元，仅为周边市价的六成左右，加上灵活的付款方式，普通民众的负担并不重。

This is not a boom in Taiwan and the real estate market form bright contrast。“Day is worth happiness stand”With cheap prices attract people，It is reported，“Day is worth happiness stand”Regardless of floor，Each ping（About 3.3 square meters）Prices are is 195000 yuan，Only about sixty percent of the market for peripheral，Plus flexible payment，The burden of the ordinary people not heavy。

　　一徐姓购房者给记者算了一笔账：以30坪计，总价为585万元，首付三成，约为180万元，虽然首付需要缴纳的金额不低，但通过银行的信用贷款，他可以贷到150万元，自己只需准备30万元。加上根据规定首付款只需在两年内付清就可以，这又大大减轻了购房者的压力。

A XuXing homebuyers to reporters calculate a bill：With 30 ping plan，Total prices for 5.85 million yuan，Down thirty percent，About 1.8 million yuan，Although the amount of documentation need pay not low，But through the bank credit，He can borrow for 1.5 million yuan，His only ready to 300000 yuan。And according to the regulation only head in two years to pay off，It greatly to reduce the pressure of the person that buy a house。

　　从购房后的负担来看，目前台湾房贷利率约为2%至3%，以房贷七成即410万元计，如果分20年还清，每月房贷本息约为2.1万元，也是在大多数家庭的承受能力之内。

After the purchase of the burden from see，Taiwan is currently mortgage rates of about 2% to 3%，Mortgage seventy percent or 4.1 million yuan to millions，If points 20 years to pay off，Monthly mortgage principal and interest is about 21000 yuan，Also in most families bear ability within。

　　【模式】官方提供土地知名开发商开发

【mode】The official provide land well-known developers development

　　事实上，合宜住宅并非台湾第一种保障房形式。早在几十年前，台湾就推出为弱势群体提供住房保障的公宅（民众住宅），但因其品质不高，并未受到台湾民众的青睐。一名购房者告诉记者，公宅开发模式是由官方找土地，再由公有部门自己规划兴建，因为都是公家单位一手包办，时常传出偷工减料，结果往往是规划不当、工程质量低下。

In fact，Fitting is not Taiwan's first kind of guarantee residential room form。As early as in decades ago，Taiwan released for vulnerable groups to provide housing safeguard male curtilage（Public housing），But because of its quality is not high，Are not affected by the Taiwan people of all ages。A the person that buy a house told reporters，Male curtilage development mode is for land by the authorities，Then the public department their planning to build，For they are managed manually public unit，Often spread cut corners，The result is often not planning、Engineering quality is low。

　　合宜住宅引入了市场机制，由知名开发商开发，民众的信任度也就高得多。记者从“内政部营建署”获悉，台湾正在投建的合宜住宅项目仍由官方提供土地，但由开发商提出规划及兴建、销售，官方在招标中限定了价格上限，同时监控其质量。由于官方提供土地，成本大幅降低，开发商虽以低于区域行情价格出售，但仍有一定的利润。

Fitting into the housing market mechanism，By well-known developers development，The confidence of the people is much higher。Reporters from“Interior construction department”Learned that，Taiwan is TouJian suitably residential projects still by the official provide land，But put forward by the developers planning and construction、sales，The official in the bidding price limit the upper limit，Monitor the quality。Because the official provide land，A much lower cost，Although developers for less than the market price sale area，But there is still a certain profit。

　　日前记者在“日胜幸福站”销售中心看到，这个项目不但绿化率高，而且休闲、健身、商业等配套设施齐全，从规划上看，并不输于一般商业住宅。

A reporter at“Day is worth happiness stand”Sales center to see，The program not only high afforestation rate，And leisure、fitness、Business facilities，Look from planning，Don't lose in the general commercial residential buildings。

　　【条件】家庭年收入不能超过247万

【conditions】Family year income can't more than 2.47 million

　　福州的保障性住房，只能是持有福州本市户口的家庭申购。而在台湾，合宜住宅面向全岛所有符合条件的民众开放。据“营建署”规定，决定一个家庭是否具有申请合宜住房的资格的指标，除了家庭成员不能拥有住房之外，最重要的就是家庭收入水平，考察依据是台北市的年平均家庭收入。

The fuzhou affordable housing，Can only hold the city of fuzhou is registered permanent residence family explain buy。And in Taiwan，Fitting for the house all meet the conditions of the people open。According to“Construction department”provisions，Decided to a family whether it has the right of the qualification for housing index，Except the family members can't have housing outside，The most important is the family income level，Based on the investigation, with an average household income。

　　在这些家庭中，又分为两类，一类是低于台北50%家庭之平均所得，即家庭年收入少于或等于158万元。另一类是高于50%但低于80%的家庭之平均所得，即家庭年收入高于158万元，但低于或等于247万元。

In these families，And divided into two classes，One kind is lower than the 50% average income of Taipei family，That is less than or equal to families with an income of 1.58 million yuan。Another kind is higher than 50% but less than 80% of the average income of the family，That is higher than 1.58 million yuan annual household incomes，But less than or equal to 2.47 million yuan。

　　据统计，目前，全台湾约有2.5万户已取得申购资格，但在递交申请书后，还需经过抽签，而在抽签中，这两类家庭又有先后顺序的差别。以“日胜幸福站”为例，吴祁告诉记者，按照“营建署”的要求，“日胜幸福站”可供销售的住宅约有4400户，第一类家庭拥有抽签优先权，只有第一类家庭全部完成选位后仍有余房时，才提供符合第二类资格条件者购买。

According to the statistics，At present，All about 25000 homes in Taiwan has been explain buy qualification，But in the application form submitted，Also required to pass through the draw，And in the，The two types of family and the difference of order。to“Day is worth happiness stand”For example，WuQi told reporters，According to“Construction department”requirements，“Day is worth happiness stand”The residence of available for sale about 4400 households，The first kind of family have the right of priority，Only the first kind of family to complete all the one still room to spare，To provide conforms to the second qualification requirements to buy。

　　【惩罚】借别人名字购房收回房子还罚50万

【punishment】Borrow someone else buys a room to take back the house still name for 500000

　　在大陆，“骗购”保障性住房的事情时有发生，在台湾，这种现象也同样存在。吴祁坦言，合宜住宅有升值空间，骗购现象很难杜绝。

In mainland，“designated”The affordable housing often happens，In Taiwan，This kind of phenomenon also exist。WuQi said，Fitting appreciates residential space，It is difficult to put an end to the designated phenomenon。

　　为防“骗购”，台湾在制度上有一些设计。吴祁告诉记者，申购者在申购时除了需提供申请书和财产资料清单外，最重要的是需提供申购者家庭所有成员综合所得税各类所得资料清单，在台湾较为透明的纳税制度下，申购者在家庭收入这个指标上很难作假。

To prevent“designated”，Taiwan in the system has some design。WuQi told reporters，Explain full in nothing but must provide purchase application and property list outside，The most important is to provide all the members of the family should explain full of all kinds of comprehensive income tax income list，In Taiwan, more transparent tax system，Explain full family income the index in hard to give false。

　　因而，台湾“骗购”最常用的招数就是借用别人名字购房，然后再出售。而为了避免这种利用“人头户”购买合宜住房的投资行为，“营建署”额外增加了违约处罚条款，如果被发现投资客借用“人头”购买合宜住宅的违约行为，将处罚投资客每户50万元的违约金，并立即收回房屋。此外，为了防范炒房，新开发的合宜住宅，除遭法院拍卖或死亡继承外，10年内都不得转售，以此提高投资客的资金成本。

so，Taiwan“designated”The most common way is to borrow someone else name the house，And then sell。And to avoid this kind of use“Head door”The right to buy housing investment behavior，“Construction department”Extra breach penalty clause，If found investment guest borrow“head”Buy the right house breach，Will fine investment of $500000 per family guest penalty，And immediately recover houses。In addition，In order to prevent ChaoFang，The development of new residence fitting，Except in court to auction or death the inheritance，10 years may resale，Improve investment guest of the capital cost。