我国城市住房价格合理性评价研究——以南昌市为例

Study on Appraisal of Rationality of Housing Price in Chinese Cities——A Case Study of Nanchang

利用剩余收入法、月供款占家庭收入比例控制法、各大城市统计数据横向比较法这3种思路,推导出简便易行的公式确定房价收入比的界限,并结合市场实际情况对房价收入比的相关参数进行界定,分析了房价收入比与住房负担能力指数之间的相关性。以南昌市为例,计算分析了南昌市2004—2009年房价收入比和南昌市2004—2008年住房负担能力指数。

This paper makes use of the three methods of residual income method, monthly payments in total household income ratio, and transverse comparative statistical data in major cities to derive simple for- mula to define the boundaries of housing price to income ratio. It defines the parameters of it combined with the actual market situation, and analyzes the relativity of housing price to income ratio and housing afford- ability index. Then it calculates and analyzes the housing prices to income ratio from 2004 to 2009 and the housing affordability index from 2004 to 2008 in Nanchang.