文档介绍：华中科技大学
硕士学位论文
基于房价收入比的武汉市住房购买力研究
姓名:姚焱
申请学位级别:硕士
专业:土地资源管理
指导教师:卢新海
20080529
华中科技大学硕士学位论文
摘要
随着我日渐提高,与生活最息息相关的
住房也越来越受到重视。1998 年实行住房货币化改革至今已经将近十年,我国住房
市场迅速发展,伴随而来的是住房价格的一路升高。住房价格的连续上涨带来了越
来越多居民购房压力的变大,居民是否具备相应的住房购买力已经成为社会各界关
心的问题。
本文通过分析国内外大量研究资料,结合中国国情和国际公认惯例,运用房价
收入比指标衡量武汉市居民住房购买力。首先,分析了武汉市住房市场概况,阐述
其发展历程并着重分析了武汉市住房市场现状。其次,在分析房价收入比相关理论
的基础上,以个人住房贷款的可获得性与偿付能力为引入点,换算出房价收入比模
型并确定其合理范围。最后计算分析武汉市不同收入阶层家庭对新建商品房、二手
房和经济适用房各自的房价收入比,提出当前武汉市新建商品房房价收入比较高,
多数家庭不能形成有效购买力;中高收入阶层家庭可以整体形成对二手房的购买力,
中低收入家庭则对部分中小户型二手房和经济适用房形成阶梯状分布的购买力;最
低收入阶层对全部类型的住房均不具备有效购买能力的结论,并从住房供应、住房
消费、居民收入和制度建设四大方面提出改善武汉市居民住房购买力的对策建议。

关键词:住房价格可支配收入住房购买力
I
华中科技大学硕士学位论文
Abstract
With the rapid developing of society and economy in China,people's life-level
improved day after day. As a necessity that is closed to the people's lives,the housing got
more attentions. It's more than ten years since the capitalization reform of housing
distribution implemented in 1998. The housing market grow fast panied the housing
price rising rapidly. Continuously rising house price has put a heavy pressure on more and
more residents. The residents' housing purchasing power has e a publicly concerned
issue.
This paper utilized a lot of existing research bining national
conditions in China and the International practice,use house price to e ratio as an
index to value house-purchasing power of residents. Firstly,it discussed the current
situation of Wuhan city's housing market. It reviewed the housing constructions and
housing system reform,analyzed the existing problem of present housing market.
Secondly,based on families' e and their payment ability to loan,the paper
established a house-purchasing power model, resulted the suitable scope of the house
price to e ratio. Then,for different e levels,this paper calculated the house
price to e ratio of the new house,the second-hand house and the economical house
in Wuhan city's housing market.