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the taiwan authorities' "new youth security loan" policy has caused chaos. taiwan bank's mortgage loans have approached the 30% warning line of taiwan's "banking law" because taiwan's "central bank" ordered bankers to submit improvement plans before september 6. in addition, many people complained that they could not get loans, and the market interpreted it as a "loan restriction order." on the 28th, the head of the taiwan authorities' administrative agency, zhuo rongtai, argued that there was no "loan restriction order" and there would not be a "loan restriction order." taiwan media person xie hanbing pointed out that speculators will sell their houses in five years, and taiwan's housing prices will collapse by then. but taiwan's leader lai ching-te will never come out to speak, and will let zhuo rongtai take the responsibility, which will not be good for taiwan.

after the "new youth security loan" policy was implemented, the taiwan housing market showed signs of overheating. it is said that taiwan banks have issued the most stringent "loan restriction order" in history, and taiwan's "central bank" has also urged banks to independently control the total amount of real estate loans. former legislator guo zhengliang pointed out a few days ago that the "new youth security" policy was one of the political platforms of taiwan leader lai qingde during his election campaign. the loan term was extended to 40 years and the grace period was extended to 5 years. the policy was originally said to reduce the burden of young people buying houses, but due to the lack of supporting facilities, young people who originally had no ability to buy houses have flocked into the housing market, and even speculators have used dummy accounts, brewing a storm in the housing market.

according to statistics from taiwan's "central bank", there were about 99,000 housing transactions in taiwan last year, and the number of transactions in the first half of this year is close to 75,000, of which "xinqingan mortgage" accounts for more than 40% of the total new mortgages. guo zhengliang warned that the number of housing transactions may reach 150,000 by the end of this year. the overheated housing market has led banks to issue "loan restrictions", which not only affects the loan demand of ordinary homebuyers. at the same time, it is about to face the largest housing delivery wave in 20 years. it is estimated that as many as 180,000 houses will be completed in 2025. "with such strict restrictions on mortgages, how can we sell them by then?"

guo zhengliang bluntly stated that the "new youth security" policy not only exacerbates housing injustice in taiwan, but also disrupts the stability of taiwan's financial system. many young people or pseudonymous households buy houses before they have sufficient repayment capacity, and may face the risk of being unable to repay in the future. once the economy faces a downturn, a large number of unrepayable loans may trigger a taiwanese version of the "subprime mortgage crisis."

regarding the current situation of taiwan's real estate market, he shichang, ceo of taiwan xinchuan real estate think tank, posted on facebook that over the past week, the real estate market has been in a state of mourning due to the bank's "loan restriction order" and the total control of real estate lending, with both the number of visitors and the volume of transactions falling. generally speaking, the second-hand housing and pre-sale housing markets have all collapsed, and the only survivors are the first-tier brand developers.

xie hanbing said on the 28th that the original purpose of the "new youth security" policy was to enable young taiwanese who do not own a house to buy one. but young people have parents, and they think this is a good investment opportunity, and they can borrow money in a very simple way! "then many people will think: what will you do with your children in the future? how will you pay the loan in the future? don't worry, why? i will sell it in five years! many people want to take advantage of this opportunity to make money. so now that you have blocked it, it will cause a lot of trouble in the future."

xie hanbing pointed out that zhuo rongtai will definitely not be the head of the taiwan executive yuan in five years, so he can say whatever he wants now, "it doesn't matter, anyway, i won't take the blame!" but five years later, a very tragic situation will happen, because everyone is ready to sell their houses in five years, and housing prices will continue to rise. "by that time, the entire housing price will collapse! now it depends on who will receive the last bomb?"

xie hanbing sarcastically said that lai qingde would never speak out. because lai qingde himself knows, and zhuo rongtai also knows, that the head of the executive yuan will be replaced in five years. so of course zhuo rongtai will face it at this time, "i, lai qingde, don't want to bear it. if you want to scold me, just scold zhuo rongtai!" because lai qingde is going to run for re-election, and what he expects is that all taiwanese people have "goldfish brains" (referring to poor memory). even if the housing prices really collapse in five years, it doesn't matter if lai qingde is re-elected. xie hanbing denounced that when every taiwanese politician calculates like this, taiwan will not be good, and everyone will be waiting for the end.(lin jingxian, strait herald reporter in taiwan)