The owner-occupied housing demand is determined by (1) the disposable non-capital income, (2) the unit cost of owning a house, (3) the expected resale price, (4) the weight of bequest function in the utility function.

• 自有房屋的需求主要取决于(一)可利用的非资本所得(祖先的遗赠金额加上恒常所得减掉最低遗赠限值)，(二)单位拥屋成本(当期房价加上预期的单位使用者成本)，(三)预期重出售房价，(四)遗赠函数在效用函数的权重。