| IVOD_ID |
162598 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/162598 |
| 日期 |
2025-06-18 |
| 會議資料.會議代碼 |
委員會-11-3-15-26 |
| 會議資料.會議代碼:str |
第11屆第3會期內政委員會第26次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
3 |
| 會議資料.會次 |
26 |
| 會議資料.種類 |
委員會 |
| 會議資料.委員會代碼[0] |
15 |
| 會議資料.委員會代碼:str[0] |
內政委員會 |
| 會議資料.標題 |
第11屆第3會期內政委員會第26次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-06-18T09:48:08+08:00 |
| 結束時間 |
2025-06-18T09:58:35+08:00 |
| 影片長度 |
00:10:27 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/5617cf280bc2552af02de203233da24c0c7c4ba622572b974c29659fdfe1d1e83b970c124de97d675ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
張宏陸 |
| 委員發言時間 |
09:48:08 - 09:58:35 |
| 會議時間 |
2025-06-18T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期內政委員會第26次全體委員會議（事由：一、邀請內政部部長、行政院消費者保護處處長就「公寓大廈公設點交爭議及其處理與預防作為」進行專題報告，並備質詢。二、審查「住宅法」修正草案等38案，詳見議事日程。【進行專題報告及詢答，並宣讀住宅法第(二十一)案至第(三十八)案提案條文，第(三十八)案如經院會復議則不予審查。】【6月18日及19日二天一次會】） |
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| transcript.whisperx[0].start |
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我先請部長劉部長有請趙偉豪我們今天專報是說公寓大廈公設點交其實現在的法令制度其實都有而且很多現在的購買戶他也都會請專人去看他的房子然後如果沒有來採點交其實我覺得目前有可能比較發生比較有問題的 |
| transcript.whisperx[1].start |
31.994 |
| transcript.whisperx[1].end |
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其實是很多建商他自己的保留戶也很多或是甚至地主自己的保留戶也很多他們啊 |
| transcript.whisperx[2].start |
41.86 |
| transcript.whisperx[2].end |
63.752 |
| transcript.whisperx[2].text |
就已經佔了三分之一以上了所以他們有很大的話語權啦我覺得問題比較可能會有問題的是出在這一小部分吧不知道部長的看法是 我們現在聽到爭議性的大部分就是在點交的過程當中啦那當然有出現買方跟賣方但是因為很多就是保留戶 |
| transcript.whisperx[3].start |
64.733 |
| transcript.whisperx[3].end |
91.779 |
| transcript.whisperx[3].text |
他在那個公益大校管理委員會的組成他的比例就比較高所以講話聲音比較大所以在點交過程當中大概就是會以建商的意見為意見或者以保留戶的意見為意見然後單一只有一戶的他就只有一票那所以這個大家就會產生爭執這個我們大概知道說這個可能是制度上面需要在通盤檢討的部分而且啦當點當交屋的時候啦其實也沒有什麼住戶什麼 |
| transcript.whisperx[4].start |
92.783 |
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118.86 |
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誰知道他要當主委可能大家都不想當主委啦阿你保留戶多的他們就派一個人來當主委啦阿那個主委就可以掌握所有的議程掌握所有的東西阿當教務大家也對環境不熟我覺得最大的問題有出問題就是在這裡而已吧對不對可是法令他還是沒有人要當主委他還是主委阿 |
| transcript.whisperx[5].start |
119.941 |
| transcript.whisperx[5].end |
146.979 |
| transcript.whisperx[5].text |
因為主委也都是大多數選出來的沒有 現在很多的社區管委會主委是要拜託人家當的是要拜託人家當的誰都不想去做這個事情所以我覺得大家都知道問題點在哪裡但這個問題點要如何去解決我倒覺得如果你是建商的保留戶在未來 |
| transcript.whisperx[6].start |
148.747 |
| transcript.whisperx[6].end |
172.155 |
| transcript.whisperx[6].text |
在未來你是不是你的那個啊你參與管委會的那個啊你的比例要稍微受限一個思考方向比如說我建商我還有留一半我沒有賣的那一半沒有點交的是不是他可以暫時排除他去開管委會 |
| transcript.whisperx[7].start |
175.119 |
| transcript.whisperx[7].end |
198.39 |
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他雖然是所有權人,但未來是要賣的喔他未來是要賣的喔但是我們好像,我們公務機關裡面得到的我知道啦,這個現行的法令是不行嘛對,我意思是說,我們可以朝這個方向大家來思考如果彌補法令的不足啦我的意思是這樣啦我這邊請署長跟您回應一下 |
| transcript.whisperx[8].start |
201.029 |
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215.18 |
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感謝委員因為委員對這個題目非常的內行現實的確是這樣我們現在就有兩個極端一個就是像召委所講的這一種極端就是因為被保留戶掌握了這一個 |
| transcript.whisperx[9].start |
216.269 |
| transcript.whisperx[9].end |
233.505 |
| transcript.whisperx[9].text |
一開始成立的時候的最主要契機那完成了典交那有些公社的確就是事後才陸陸續續出現問題但是因為他掌握了這一個部分所以在當時典交的過往當中並沒有被處理到那所以這但是現行的法規的確沒有辦法去限制這一個 |
| transcript.whisperx[10].start |
234.265 |
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那我想委員的這個建議我們再來跟地政司在一起來討論在相關的一個合約還有在成立公寓大廈管理委員會的時候是不是要來討論一下這個機制讓第二個就在點交的過程當中可不可以還有更公平的方式來處理對啦 我沒有說要你們先在做啦我只是說這個方向大家可以思考一下啦 |
| transcript.whisperx[11].start |
258.557 |
| transcript.whisperx[11].end |
276.035 |
| transcript.whisperx[11].text |
來來另外部長你可以先休息一下我先要問一下署長是署長其實我們現在有很多的購買戶不管是他買預售屋或是他要再買第二間其實很多的銀行 |
| transcript.whisperx[12].start |
278.238 |
| transcript.whisperx[12].end |
296.876 |
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雖然我們政策有講了有一些第二戶的你是換屋的或什麼的你都可以購買銀行也應該要貸款但實際上發生的情況是很多銀行就是不貸款他找很多理由我不知道這個部分署長有沒有了解到這個部分 |
| transcript.whisperx[13].start |
298.499 |
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321.745 |
| transcript.whisperx[13].text |
雖然這不是你的全責啦我只是想要請問你有沒有了解到這個部分有沒有這個現象發生的確是有不過因為這是在監管會他要求銀行在針對這個販款的集中度還有個人的這個信貸的標準他是採取比較嚴格的機制啦那但是實際上的操作還是要看各銀行的 |
| transcript.whisperx[14].start |
322.386 |
| transcript.whisperx[14].end |
347.503 |
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的一個操作的處理機制不是啊署長這不是你的業務啦我只是要請教你啦有沒有發現有這個問題其實是有啦有啦齁那再來我們危老都更應該不受銀行法72條之二的限制吧是是嘛齁是但現在很多的銀行他變成用央行管制的額度35% |
| transcript.whisperx[15].start |
349.633 |
| transcript.whisperx[15].end |
365.377 |
| transcript.whisperx[15].text |
他就說這不能貸款了不能怎麼樣有沒有這種情況發生的確是有但是我說明一下我們也有跟金管會去詢問那當然因為有一些雖然他不受他是的確不受72條的這個限制 |
| transcript.whisperx[16].start |
367.438 |
| transcript.whisperx[16].end |
389.612 |
| transcript.whisperx[16].text |
但是後續央行還是有要求這一個部分要考慮到建商的部分或是個人的部分還是重點在於那個放款的集中度還有它的風險性還是要要求要銀行特別注意所以銀行端才會針對這些案件去做比較強的這樣一個檢視我為什麼要請教署長這個問題呢都更可能是建商可能是什麼 |
| transcript.whisperx[17].start |
397.688 |
| transcript.whisperx[17].end |
423.103 |
| transcript.whisperx[17].text |
當圍牢很多人家是自己耶我們就這一棟我們自己要蓋的就是自主圍牢啦自主圍牢銀行就是怕啊怕你這些人沒有建商的保證沒有什麼的個人的信用額度的問題啦個人信用額度的問題但我們的法令規定它是在排除72之2這是我們當初定圍牢條例我們非常重要的精神 |
| transcript.whisperx[18].start |
424.451 |
| transcript.whisperx[18].end |
443.261 |
| transcript.whisperx[18].text |
對不對你這個這麼重要的精神你因為央行的管制那你銀行反正這些人我也很擔心他到時候房子蓋不出來然後又怎麼了可是我覺得跟我們的政策是很違背的我不知道署長你的看法 |
| transcript.whisperx[19].start |
444.346 |
| transcript.whisperx[19].end |
465.633 |
| transcript.whisperx[19].text |
感謝委員其實我在我之前也有大概遇過這個案例就是說有協助民眾來跟銀行溝通那我們的同仁也有去跟銀行溝通那當然銀行在這個總行端大致上都沒有問題他們都支持到分行的時候有可能個別的這個承辦人員他有可能就是考慮到 |
| transcript.whisperx[20].start |
469.302 |
| transcript.whisperx[20].end |
492.863 |
| transcript.whisperx[20].text |
來乘坐的這些人他會擔心個人的信用額度不足那或是後續要成立信託機制的話他們也不願意來處理那所以他這個會遭到拒絕那這個部分我們也有最近在開始在朝你一些方向那也會來陸陸續續跟財政部跟金管會一起來討論就危老或是自主都更以個人名義來辦的話 |
| transcript.whisperx[21].start |
494.244 |
| transcript.whisperx[21].end |
511.21 |
| transcript.whisperx[21].text |
可不可以在在授信方面的一個放寬或是說政府要訂出什麼樣的一個政策給予相關的一個信託保護的這樣的一個方式讓這些危老自主危老自主都更能夠得到多銀行端的支持我們的確現在是在朝向這個方向在努力 |
| transcript.whisperx[22].start |
511.73 |
| transcript.whisperx[22].end |
530.441 |
| transcript.whisperx[22].text |
對阿我覺得署長我覺得要趕快做尤其齁我再強調一次你如果不是自主督耕的那都是建商了啦那一塊我們給他切出去嘛對不對但你自主的危老自主的督耕現在很多就變成而且這是 |
| transcript.whisperx[23].start |
531.441 |
| transcript.whisperx[23].end |
547.985 |
| transcript.whisperx[23].text |
違反到民眾的權利是你們政府跟我講說我可以不透過建商我自己來我自己動大家講好了我自己就可以來圍牢了是政府跟人家講說可以這樣然後政府又跟人家講說我百分之百可以銀行的貸款不是說百分之百銀行一定會貸款 |
| transcript.whisperx[24].start |
554.346 |
| transcript.whisperx[24].end |
573.517 |
| transcript.whisperx[24].text |
對 跟所有的民眾講那民眾現在遇到這個問題我覺得 署長可能啦要找財政部金管會大家來講如果不行你也請部長出面啊再不行我們內政委員會那麼多委員我相信大家都想替這些自主都更 |
| transcript.whisperx[25].start |
574.096 |
| transcript.whisperx[25].end |
587.833 |
| transcript.whisperx[25].text |
的這些人解決問題然後自己的危老改建的不然這個真的會後續會出很大的問題跟委員報告啦我們也有跟院裡面反映這個事情就跟行政院反映這個事情那院裡面應該也會開始準備來 |
| transcript.whisperx[26].start |
590.902 |
| transcript.whisperx[26].end |
609.022 |
| transcript.whisperx[26].text |
準備來內部再來籌組看看相關的單位一起來討論解決這樣一個問題這也已經有跟醫院報告過了好啦我們要盡快啦不然真的是我們接到很多的民眾你政府要求跟我講可以現在又都不行這個我們會來努力有的人 |
| transcript.whisperx[27].start |
611.385 |
| transcript.whisperx[27].end |
621.98 |
| transcript.whisperx[27].text |
已經房子要拆了 他已經外面租房子了那他每個月那個租屋欸對不對 我覺得這個是浪費社會資源啦好 謝謝 謝謝委員好 謝謝曾宏祿召委的諮詢 |