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依貸款者觀點探討高屏地區還款選擇之影響因素-壽險公司之實證研究

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表 2  2003 年國內住宅貸款市場經濟指標  第一季  第二季  第三季  第四季  國內銀行  承作購屋貸款筆數  157,609  170,622  175,012  184,371  國內銀行  平均每筆購屋貸款(萬元)  276.00  263.33  235.14  247.97  台灣放款基準利率  -五行庫平均利率(%)  4.00  3.64  3.52  3.43  經濟成長率(%)  4.69  -1.27  4.64  6.41  住宅市場景氣分數  9.00  10.00  13
圖 1    國內銀行承作購屋貸款情形
表 5    解釋變數敘述性統計表  屬性  變數項目  預期符號  (違約/提 前清償)  類別  次數與 百分比  按時還款 比例  違約 比例  提前清償比例  個人  特徵  婚姻  (X 1 )    -/+  0 1  185 (30.6%)   420 (69.4%)    75.1% 73.8%  11.4% 7.6%  13.5% 18.6%  年齡  (X 2 )    +/-  1  2  3  4  99 (16.4%)   254 (42.0%)   221 (34.9%)   4

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