大樹築家：百歲人生下的全齡住宅金融整合方案

Abstract

中文摘要 本研究針對臺灣人口與住宅同步高齡化所衍生的租屋不穩定、住宅資產流動性不足及高齡照護資金缺口，提出「大樹築家」全齡住宅金融整合方案。研究採次級資料分析、利害關係人分析、商業模式畫布及法規初篩，依青年租屋者、中年屋主與高齡屋主的需求，規劃租屋守護、住宅資產管理、退休現金流、高齡安居及數位平台五項模組。分析結果顯示，跨機構整合具有提升服務連續性與降低交易摩擦的潛力；然而，事故住宅價值補償與承購機制仍涉及逆選擇、估價爭議、資金占用及法規限制，不宜直接採固定補償比例或保證回購。本文因此提出分階段試辦、獨立估價、人工覆核、資料最小化與停止條件，作為後續消費者訪談、精算驗證及法遵審查的基礎。

Abstract This study proposes Tree Home, an integrated housing-finance solution addressing housing instability, limited property liquidity, and later-life care funding in an ageing Taiwan. The study applies secondary-source analysis, stakeholder analysis, the Business Model Canvas, and a preliminary regulatory review. Five modular services are developed for tenants and homeowners across the life course: tenant protection, housing asset management, retirement cash-flow planning, ageing-in-place support, and a consent-based digital platform. The analysis indicates that cross-institutional coordination may improve service continuity and reduce transaction friction. However, compensation and repurchase mechanisms for incident-affected properties remain exposed to adverse selection, valuation disputes, capital concentration, and regulatory constraints. Fixed compensation rates and guaranteed repurchase promises are therefore not recommended before actuarial and legal validation. A staged pilot, independent valuation, human review, data minimization, measurable decision gates, and explicit stop criteria are proposed for subsequent consumer research, actuarial testing, and compliance review.