居民家庭普通商品住房的支付能力研究——以海口市为例  

A Study of the Ordinary Commercial Housing Affordability for the Household: With Haikou City as an Example

作　　者：刘金灿[1] 尚春静[2] 李艳荣[2] 

机构地区：[1]同济大学经济与管理学院,上海200092 [2]海南大学土木建筑工程学院,海南海口570228

出　　处：《海南大学学报（人文社会科学版）》2015年第2期78-85,共8页Journal of Hainan University （Humanities & Social Sciences）

基　　金：教育部人文社会科学研究基金项目(12YJA630099)

摘　　要：从现有住房支付能力测度方法出发,构建了以单位面积商品住房抵押贷款月还款额占家庭月收入比例为基础的住房支付能力评价模型,并利用该模型,分析海口市居民家庭普通商品住房支付能力。实证表明,若考虑家庭收入增长效应,其住房支付能力将会得到提高;中等偏下收入及以下家庭基本不具有住房支付能力,中等或中等偏上收入家庭则可能发生因购房而诱致的生活贫困问题;此外,住房抵押贷款利率变化也会显著影响住房支付能力。On the basis of the existing measuring methods on the housing affordability,a new evaluation model on the housing affordability is established,which is centered on the proportion that the monthly repayment of commercial housing mortgage loan per unit area accounts for the monthly family income. This model is adopted to analyze ordinary commercial housing affordability of the residents in Haikou. The empirical result shows that,the ordinary housing affordability of the residents in Haikou would be improved significantly if the household＇s income growth is taken into account. While the lower-middle-income households barely have the housing affordability on the whole,the middle-income or higher-middle-income households may suffer from the living in poverty induced by purchasing the commercial houses. Moreover,the changes of mortgage loan rate also have the significant impact on the housing affordability.

关 键 词：普通商品住房 住房支付能力 海口市 

分 类 号：F293.35[经济管理—国民经济]