用可负担能力指数分析我国城镇居民购房负担能力

结合我国最近7年房地产市场实际情况,借鉴国外所用的可负担能力指数理论来验证全国以及北京和上海1998～2004年房价,得出当前我国商品住宅总体上处于可负担水平；北京的房价如此高使得指数一直低于可负担水平但可负担指数在逐渐提高；上海的房价最近两年上涨太快使得指数剧烈下降,由2002 年的可负担下降到2003年和2004年的不可负担水平最后给出相应分析。

To Analyze the Price of the Priced House in China from 1998-2004 by Using Housing Affordability Index

Housing Affordability Index is used for in vestigating the affordability of median-in- come household in the market of housing for the media-priced home.By integrating the real- ity of housing market for recent seven years in our country and refening the theory of Housing Affordability Index in foreign countries,this paper tests and verifies the house price in Beijing,Shanghai and the whole country,con- cluding that the priced house in our country is generally affordable.The price in Beijing has been so high that the Index has been lower than the affordable state while it's Index is gradu- ally increasing.The price of real estate in Shang- hai increases so fast that its affordability index is dramatically declining in recent two years, from the affordability in the year of 2002 to the unaffordable state in the year of 2003 and 2004. In the last section of this paper,a corresponding analysis is presented.