大陸與台灣的房地產有不同的政治經濟環境，其實並不能相對而論，但在兩岸交流日趨熱絡之下，往返兩岸的人士越來越頻繁，購置不動產的比例也越來越高，所以，對兩岸不動產的買賣性質及保障政策等，必須做一個比較和了解，從經濟學的角度來看，不動產也是一種商品，其價格是應該是由供需來決定的，惟自2009年以來，兩岸的房地產都有過熱的傾向，在台灣，由於政策導向及台商、陸資進入，儘管金融風暴剛過，房價還是節節高漲，行政院研考會在綱路調查十大民怨結果：都會地區房價過高名列第一；在大陸，由於都市地區經濟發展迅速，所以對不動產的需求量也相對的急遽增加，其中也包括外商以及台商的需求量，導致房價過熱，人民銀行也不得不祭出升息來抑制房價。 「住」是重大的民生需求，政府在政策與法律上如果沒有明確的目標和規範，勢必引起民怨，由於兩岸同樣面臨房市過熱的問題，政府的政策和購屋的保障成為民生重大的課題。由其台灣政府開放大陸來台投資房地產後，兩岸房地產產權的概念釐清，將有助於對兩岸人民的保障。本篇將從兩岸城市的住房政策、保障著手研究，比較其間的利弊得失，並提出一些具體的建議供執政者參考。

The real estates between Mainland China and Taiwan have different political and economical environment. They actually can not be compared on the same platform. However, with the extending interactions across the Taiwan Straits, the frequency of people who travel between these two regions is becoming more persistent. Hence the percentage of realty-purchase is increasing. As a result of this, it is essential to compare, and to study the nature of realty-transactions, as well as the related security-polices between these two regions. From an economic aspect, real estate is also a type of merchandise, which the prices should be set on the basis of demand and supply. Nonetheless, the real-estate-markets in both regions may have been overheated since 2009. Take Taiwan for example, due to the inclined-policies, and the participations of Taiwan businesses and Mainland investors, property-prices keep climbing up, despite the recent financial crisis. According to Taiwan RDEC's (The Research, Development and Evaluation Commission) Internet poll, the top public discontent is the ”Over-priced housings in metropolitan area”. As for Mainland China, the demands for real estates have increased radically due to the rapid economical-growth in metropolitan areas. These demands include businessmen from Taiwan and other countries. This results in over-priced properties in the cities, which left The People's Bank of China with no choice, but to raise interest rate in order to restrain housing prices. ”Housing” is an important demand among people. There sure will be serious public discontents, if the governments do not have clear objectives and regulations in terms of policies and legislations. Since “overheated housing markets” is a mutual problem for Taiwan and Mainland China, government policies on securing property-purchase hence become a major issue. Especially after Taiwan government opens up for Mainland investors to purchase properties in Taiwan, it will help to secure people's rights in both regions if the concept of ownership is clarified. This thesis will start with researches related to housing policies and securities of the metropolitan areas in both Taiwan and Mainland China, followed by comparisons of the pros and cons, along with some specific suggestions for the governments as references.