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eCounsel group

A boutique firm with unparalleled expertise in business and technology. We have good command of industrial ecology and legal practice, and have undertaken highly regarded cases. Because the small business scope, we pay more emphasis on effectiveness and efficiency, and choose clients with deliberation. The managing partner not only has extensive experiences in various legal issues more over than 20 years, but invests and manages several technology companies. In addition, he always checks each case rigorously. Clients’ business objectives are our primary focus. To achieve the same in the most cost-effective fashion trumps all seemingly sophisticated legal discussions.

Housing: U.S Middle-Class Can No Longer Afford

2016 - 08 - 11

Since 2012, U.S housing recovery has began in 2012, but a revamp housing market didn’t create an equal economic benefit for everyone, but a generation of renters who can no longer afford a house.


美國房市從2012年開始復甦,但房價回升並未帶來雨露均霑的經濟復甦,反而創造了一整個世代的長期租屋族,無力買房,只能望屋興嘆。

華爾街日報此篇新聞摘譯如下:

(1) 房價持續上漲,整體而言,只比金融海嘯前的高點低2%
Overall prices are now just 2% below the peak reached in July 2006.

(2) 擁屋率(62.9%)持續下探,跌至51年來的最低點;有專家預測至2050年時可能掉到58%甚至再低
While economists expected the homeownership rate to begin edging up this year, the rate fell to a 51-year low of 62.9% in the second quarter.

The rate could fall to 58% or lower by 2050, according to a recent prediction by housing experts Arthur Acolin of the University of Southern California.

(3) 租金報酬率在4%以上,接近台灣三倍;租屋族苦哈哈,包租公笑哈哈

(4) 買不起房的雙重打擊:一方面享受不到財富增值(房價上漲)且退休後仍須承擔租屋壓力,二方面要不斷面對接連上漲的租金
Long-term declines could erase gains made by middle-class Americans since World War II. Owning a home provides protection against rising rents and has been a key component of retirement saving and wealth creation.

新聞來源:
Lopsided Housing Rebound Leaves Millions of People Out in the Cold

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追訴法律責任?大家別傻了。 一案建商,遠比消費者、比政府更精於算計,要比奸比賤,我們是贏不了的。 曾有律師投書向媒體表示:「像這種法律責任事沒有時效消滅的問題,就算公司結束了還是可以追究負責人。」 我們不這麼樂觀。 建案完銷,股東把賺的錢分一分,公司就辦停業或解散,你覺得董事長或總經理還會把錢留在身上、把財產放自己名下,等著將來自己起的樓被發現是海砂屋、或輕輕一震房子就倒時,供屆時賠償之用? 也許讀者認為可以用刑事責任逼他們展現誠意? 可預見的狀況是:賠償金十億,而這些不良建商負責人被法院以業務過失致死判二年,最後關個一年半就假釋在外。 或是開公司期間,這些建商的董事長和總經理,根本是每個月領三萬元車馬費的人頭? 那要不要再出個殺手鐧,立法禁止任何一個建商在房子蓋好後到住戶同意非因瑕疵而拆屋重建(例如都更)前,全部售屋所得均不得以股利或任何其他模式處分掉、更不准解散清算?(能想得出這種橋段的人肯定不知道憲法上的平等權和財產權保障是什麼意思) 故此,這幾十年來台灣建築業生態上常見的現象該如何解套,請見下篇「民刑事責任,對掃蕩瑕疵建案毫無幫助」。