Taiwan 💰 TWD Last updated2026-05-28

房屋貸款 Calculator Taiwan

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Quick answer (Taiwan)

A mortgage of NT$12,000,000 at 2.185% over 30 years works out to a monthly payment of about $45,473, with total interest of $4,370,174 over the full term.

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Mortgage Calculator

USD

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$65,473

PITI

Principal + Interest

$45,473

27% goes to interest

Total Interest

$4,370,174

over 30 years

Monthly Breakdown

Principal & Interest$45,473

Property Tax (1.1%/yr)$13,750

Homeowner's Insurance (0.5%/yr)$6,250

Total Monthly$65,473

Principal vs Interest Split

73% principal

27% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

房屋貸款s in Taiwan

Typical loan

$12,000,000

in Taiwan

Typical rate

2.185% p.a.

prime borrower, 2026

Typical term

30 years

most common

Market overview

Taiwan mortgages are issued mainly by Mega International Commercial Bank, Cathay United Bank, Taishin International Bank and the state-owned Land Bank of Taiwan. The Central Bank of the Republic of China (CBC) sets the policy discount rate and has tightened LTV caps multiple times since 2020 to cool Taipei and New Taipei property speculation. The 2024 CBC selective credit controls capped second-home LTV at 60% and third-home at 50%.

Why 2.185% is the typical rate

Rates near 2.19% reflect the CBC discount rate of 2.0% plus a thin 15-30 bps bank spread, kept low by Taiwan's structurally high savings rate and excess liquidity.

Tax & regulatory notes

Buyers pay a 6% deed tax (契稅) on government-assessed value and stamp duty of 0.1% under the Deed Tax Act. The House and Land Transactions Income Tax (房地合一稅 2.0, effective July 2021) imposes 45% capital gains tax on properties sold within 2 years, dropping to 35% for 2-5 years. CBC Selective Credit Control Regulations govern LTV caps.

🧮 Worked example

A mortgage of NT$12,000,000 at 2.185% over 30 years

Loan amount

$12,000,000

Annual interest rate

2.185%

Term

30 years (360 months)

Monthly payment

$45,473

Total interest paid

$4,370,174

Total paid (principal + interest)

$16,370,174

❓ FAQ (Taiwan)

Common questions in Taiwan.

What is the typical mortgage rate in Taiwan in 2026?

First-home mortgages from Mega ICBC, Cathay United and Taishin are priced around 2.06-2.4% based on the CBC discount rate of 2.0%. The government-subsidized Youth Housing Loan (青年安心成家貸款) offers preferential rates near 1.775% for first-time buyers under age 45.

Can foreigners get a mortgage in Taiwan?

Yes, foreigners with ARC residency can borrow from Land Bank, Mega ICBC and Cathay United, typically capped at 50-60% LTV with shorter 20-year terms. Reciprocity rules under Article 19 of the Land Act apply.

What is house-land combined tax (房地合一稅) in Taiwan?

It is a unified capital gains tax on property sales: 45% if held under 2 years, 35% for 2-5 years, 20% for 5-10 years, and 15% beyond 10 years. It was reformed in 2021 to close the corporate-name flipping loophole.

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