美
国研究公司Demographia的一份报告显示，在被调查城市中，香港房价最高。Demographia周一公布的报告显示，香港在全球325个城市中住房负担能力最差，排倒数第一。该公司由与美国几个保守智库合作的公共政策咨询师考克斯(Wendell Cox)负责。
AFP/Getty Images
2010年7月8日，香港住宅区和商业区俯瞰图
在人口过百万的城市中，美国亚特兰大市的住房负担能力名列第一，其房价中值为12.94万美元，是家庭收入中值5.58万美元的2.3倍。
悉尼市在各大城市的住房负担能力排名中位列倒数第二。
官方数据显示，由于香港利率较低，房屋供应紧张，香港房价2010年前三季度上涨了15%，而此前2009年全年已经大涨了30%。
尽管香港政府试图抑制房价的升势，但房地产中介公司中原地产代理有限公司(Centaline Agency Property Ltd.)本月公布，香港豪宅交易价值总额已超过了1997年香港楼市繁荣期的水平。
香港政府去年11月对那些买入后在两年内转售的房屋加征印花税，税率高达15%，同时将价值1,200万港元或以上住宅的按揭贷款最高成数下调为五成。这是Demographia第一次将香港纳入到调查当中。
中原地产研究部主管黄良升(Wong Leung-sing)批评Demographia的调查方法"过于简单"，对调查结果是否可靠表示怀疑。
黄良升说，该调查没有用到按揭抵押贷款利率这一最重要的指标。香港一般用每月按揭供款占家庭收入的比率计算住房负担能力。香港财政司司长曾提醒说，家庭月按揭还款额不应超过家庭收入的40%。美联物业(Midland Realty)提供的数据显示，香港家庭的月还款额大致占家庭收入的36%。黄良升说，以这个标准看，香港的房地产市场非常健康。
Alice Truong
（本文版权归道琼斯公司所有，未经许可不得翻译或转载。）
Hong Kong's home prices are the highest among those surveyed in a report by research firm Demographia.
Hong Kong ranked last of 325 cities in housing affordability, according to the report released Monday. Demographia is run by Wendell Cox, a public-policy consultant who works with several conservative U.S. think tanks.
The survey calculates housing affordability by dividing median home price by median household income. In the third quarter of 2010, Hong Kong's median home price was 2.58 million Hong Kong dollars (US$331,138), or 11.4 times the median household income of HK$225,400. By contrast, at $61,400, the median home price in Saginaw, Mich., was 1.6 times the median household income of $39,500. Saginaw was ranked No. 1 for affordability.
Among cities with populations of more than one million, Atlanta ranked first in terms of affordability, with a median house price of $129,400, 2.3 times median income of $55,800.
Sydney ranked next to last in terms of affordability among major cities.
With low interest rates and tight supply, Hong Kong's home prices increased 15% in the first three quarters of 2010 after a 30% jump in 2009, according to official data.
Despite government efforts to rein in the market, real-estate agency Centaline Agency Property Ltd. reported this month that the value of luxury transactions in Hong Kong has exceeded the level reached in the 1997 property boom.
In November, the government levied additional stamp duties of as much as 15% for properties bought and sold within two years, and lowered the mortgage limit to 50% for residences valued at HK$12 million or higher. This is the first time Demographia included Hong Kong in its survey.
Wong Leung-sing, associate director of research at Centaline, a property agency, criticized the firm's methodology as 'too simplistic,' casting doubt on the validity of its results.
'It doesn't have the most important factor: mortgage rates,' Mr. Wong said. Hong Kong commonly calculates affordability using a ratio of mortgage payments to income. The financial secretary has warned families' monthly payments shouldn't exceed 40% of household income. Overall, Hong Kongers' mortgages come to 36% of their income, according to data from Midland Realty. 'Using this, Hong Kong is very healthy,' Mr. Wong said.
Alice Truong
Hong Kong ranked last of 325 cities in housing affordability, according to the report released Monday. Demographia is run by Wendell Cox, a public-policy consultant who works with several conservative U.S. think tanks.
The survey calculates housing affordability by dividing median home price by median household income. In the third quarter of 2010, Hong Kong's median home price was 2.58 million Hong Kong dollars (US$331,138), or 11.4 times the median household income of HK$225,400. By contrast, at $61,400, the median home price in Saginaw, Mich., was 1.6 times the median household income of $39,500. Saginaw was ranked No. 1 for affordability.
Among cities with populations of more than one million, Atlanta ranked first in terms of affordability, with a median house price of $129,400, 2.3 times median income of $55,800.
Sydney ranked next to last in terms of affordability among major cities.
With low interest rates and tight supply, Hong Kong's home prices increased 15% in the first three quarters of 2010 after a 30% jump in 2009, according to official data.
Despite government efforts to rein in the market, real-estate agency Centaline Agency Property Ltd. reported this month that the value of luxury transactions in Hong Kong has exceeded the level reached in the 1997 property boom.
In November, the government levied additional stamp duties of as much as 15% for properties bought and sold within two years, and lowered the mortgage limit to 50% for residences valued at HK$12 million or higher. This is the first time Demographia included Hong Kong in its survey.
Wong Leung-sing, associate director of research at Centaline, a property agency, criticized the firm's methodology as 'too simplistic,' casting doubt on the validity of its results.
'It doesn't have the most important factor: mortgage rates,' Mr. Wong said. Hong Kong commonly calculates affordability using a ratio of mortgage payments to income. The financial secretary has warned families' monthly payments shouldn't exceed 40% of household income. Overall, Hong Kongers' mortgages come to 36% of their income, according to data from Midland Realty. 'Using this, Hong Kong is very healthy,' Mr. Wong said.
Alice Truong
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