合肥学院学报（社会科学版）
閤肥學院學報（社會科學版）
합비학원학보（사회과학판）
JOURNAL OF HEFEI UNIVERSITY(SOCIAL SCIENCES)
2014年
2期
27-32
,共6页
新就业职工%住房支付能力%剩余收入%住房可支付性指数%房价收入比
新就業職工%住房支付能力%剩餘收入%住房可支付性指數%房價收入比
신취업직공%주방지부능력%잉여수입%주방가지부성지수%방개수입비
newly employed%housing affordability%residual income%housing affordability index%housing price to income ratio
无论是租房，还是买房，城市新就业职工基本住房支付能力均较差，特别是购房月供能力严重不足。比较而言，剩余收入是理想的住房支付能力判断指标；住房可支付性指数可用于租房支付能力判断，但不适合购房支付能力判断；房价收入比是否超过6：1仍然是简单易行的房价高低判断标准。收入、房价(房租)、住房贷款利率，是影响住房支付能力主要因素。建议新就业职工以租房为主，在收入和积累达到一定水平后，再选择购房；对首次置业、购买90平方米以下普通商品住房，提供优惠住房贷款，提高购房支付能力。
無論是租房，還是買房，城市新就業職工基本住房支付能力均較差，特彆是購房月供能力嚴重不足。比較而言，剩餘收入是理想的住房支付能力判斷指標；住房可支付性指數可用于租房支付能力判斷，但不適閤購房支付能力判斷；房價收入比是否超過6：1仍然是簡單易行的房價高低判斷標準。收入、房價(房租)、住房貸款利率，是影響住房支付能力主要因素。建議新就業職工以租房為主，在收入和積纍達到一定水平後，再選擇購房；對首次置業、購買90平方米以下普通商品住房，提供優惠住房貸款，提高購房支付能力。
무론시조방，환시매방，성시신취업직공기본주방지부능력균교차，특별시구방월공능력엄중불족。비교이언，잉여수입시이상적주방지부능력판단지표；주방가지부성지수가용우조방지부능력판단，단불괄합구방지부능력판단；방개수입비시부초과6：1잉연시간단역행적방개고저판단표준。수입、방개(방조)、주방대관리솔，시영향주방지부능력주요인소。건의신취업직공이조방위주，재수입화적루체도일정수평후，재선택구방；대수차치업、구매90평방미이하보통상품주방，제공우혜주방대관，제고구방지부능력。
It is hard for city newly employed to purchase or rent houses because of their inadequate fundamental housing affordability, especially the capacity to pay off mortgage loans. Relatively speaking, residual income is a reasonable index of housing affordability. Housing affordability index can be used for judging renting housing affordability, but not for purchasing housing affordability. Whether housing price to income ratio is more than 6 to 1 is still an index that is easy to use for judging whether the housing price is high. Incomes, housing prices ( and renting prices) and housing rent interests are main factors influencing housing affordability. It is suggested that most of the newly employed mainly should rent houses and purchase houses after their incomes and savings increase to a certain level, and in order to increase the housing affordability, concessional loans should be offered to those who are to buy their first house or buy houses less than 90 square meters.
