本文將我國購屋貸款制度分為一般貸款與補貼貸款兩部份，首由住宅負擔能力之觀點，探討住宅負擔能力與購屋貸款制度之關係；由相關文獻與理論探討住宅負擔能力之定義與種類，討論其與購屋貸款間之關聯性，並建立住宅貸款負擔能力指標。透過典型個案之設計，分析貸款利率、貸款額度、貸款期限以及償還方式對貸款負擔能力指標之影響。在購屋貸款補貼制度方面，則以住宅補貼公平觀點，檢討我國購屋貸款補貼制度之問題。最後參考各先進國家之購屋貸款制度，配合國內現況，提出以金融手段協助人民解決住宅問題之政策性建議。 研究結果發現，就貸款負擔能力之觀點而言，政府若欲透過貸款制度以協助人民購置住宅，在降低貸款利率方面，基於銀行追求利潤與政府補貼財源有限之前提下，對其幫助之程度有限；而貸款額度之決定端賴貸款者會有資金多寡、日後償還能力、擔保品價值與銀行資金狀況而定；償還期限若延長至三十年以上，對貸款者負擔能力改善，並無實益；然多樣化的償還方式卻可提供貸款者考量其負擔能力之自由選擇空間，惟為顧及銀行因此而承擔之貸款風險，可研究引進美國針對特定對象之保險或保證制度，以保障其貸款安全。而目前我國貸款補貼制度確實存有不公平現象，且受住宅價格偏高影響，現行制度實無法確實解決較低收入者負擔能力不足問題，故其實施成效不大，值得政府有關單位之重視與研究改進。

近年來，國內房價飆漲，自民國93年以來國內房價所得比自民國93年第1季為4.7倍成長至民國103年第1季為7.51倍，尤其台北市自民國93年第1季為6.14倍成長至民國103年第1季為14.6倍最為嚴重，住宅負擔能力成為社會大眾所關注之議題。本文探討住宅負擔能力與購屋自備款資金來源種類互動關係，以及房價或租金負擔與消費行為間關聯性。 對於購屋自備款資金來源與負擔能力，由二元羅吉斯特迴歸模型分析不同購屋自備款資金來源選擇與負擔能力之關係，再採複迴歸模型分析購屋自備款資金來源對購屋負擔能力造成之影響。透過二元羅吉斯特迴歸模型分析，在購屋自備款資金來源無須或須償還選擇中，以不同購屋者選擇之有顯著影響因子分別為購屋區位、家戶月所得、貸款負擔率。複迴歸模型分析影響貸款負擔率，顯著影響因子分別為購屋區位、購屋面積、家戶月所得、購屋決策者年齡、購屋自備款資金來源。 另外，房價或租金負擔與消費行為關聯性分析，本文將消費行為分為居住及生活行為，以複迴歸模型分析影響因子，再以次數分配分析減少生活支出項目及影響程度，發現因購屋或租屋支出，而減少生活支出項目，相同支出為基本日常開支、休閒娛樂(如旅遊)等2項；不同支出項目，購屋者為減少投資理財及儲蓄，租屋者以購物及奢侈品支出減少，兩者消費行為不同，購屋者較重視投資理財及儲蓄；然由影響程度大小觀察，得知租屋者影響程度較大，其經濟能力通常較差。 / In recent few years, the housing price grows rapidly. Since 2004, the growth of housing price was 470% in the first quarter of 2004 and 751% in the first quarter of 2014. In Taipei city, the growth of housing price was 614% in the first quarter of 2004, and it was the worst with growth rate of 1460% in the first quarter of 2014. Therefore, the ability of mortgage loan is the top focusing topic around the country. In our study we discusses the association of the ability of mortgage loan and the source of down payment; the association between housing price versus buying consumption behavior and rental fee versus buying consumption behavior. In our study, we discuss three topics. First, the association of the ability of mortgage loan and the source of down payment is analyzed by using logistic regression. In the logistic regression, the response variable is the down payment with or without second mortgage. The significant variables for impacting the sources of down payment are the location of house, the monthly income of household, the percentage of mortgage loan to household income. Second, the impact of mortgage loan is analyzed by multivariate regression. In multivariate regression for the impacting of mortgage loan, the significant variables are the location of house, the size of house, the monthly income of household, the age of housing buyer, and the source of down payment. Third, housing price or rent burdens associated with consumption behavior analysis，This article will be divided into residential consumption behavior and lifestyle behaviors. The analyzing methods are multiple regression and frequency distribution analysis. The most important finding is that people with mortgage loan or rental fee have lower down their living expense. The same expenditures for these two groups (homeowner and renter) are grocery expenditures and entertainment expenditures. The difference expenditures are the reduction of investment and savings for homeowners; the reduction of shopping expenditures and purchasing luxury products for renter. The buying powers are different between homeowners and renters. The homeowners are more focus on the investments and savings. However, the buying power has more impact for renters, who have poor economic status.