Taiwan Mortgage Payment Calculator 2027

Taiwan home loan rates are typically 2.0-2.5% for prime borrowers (Bank of Taiwan, Mega, CTBC). Calculate your monthly payment for a 20-30 year loan using standard amortization. Includes total interest, monthly PITI estimate, and effective monthly rate.

Min 20% standard
Monthly Payment (P&I)
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Principal + Interest
Loan Amount
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Monthly P&I
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Total Interest
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Total Paid
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Interest % of Total
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Effective Annual Cost
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Taiwan Mortgage Rates 2027 — Typical 2-3%

Taiwan's central bank (CBC) policy rate sits around 2%, with bank prime rates 2.0-2.5% for first-time buyers and primary residence purchases. Rates vary by bank, LTV (loan-to-value), and borrower profile. Bank of Taiwan, Mega Bank, and CTBC offer the most competitive rates. First-home incentive programs (e.g. 青安貸款 Youth Loan) can offer 0.4-0.6% subsidies. Source: cbc.gov.tw.

LTV Limits and Down Payment Rules

Standard LTV is 70-80% (20-30% down). For second homes or investment properties in 6 cities (Taipei, New Taipei, Taoyuan, Taichung, Tainan, Kaohsiung), LTV drops to 60% per central bank macro-prudential rules. Loans above NT$80M require additional reserves. Foreign nationals face stricter LTV (50-60%) and require local guarantor.

Total Cost of a 30-Year Taiwan Mortgage

A NT$12M loan at 2.18% over 30 years pays NT$45,300/month, totaling NT$16.3M. Interest = NT$4.3M (35% of total). For comparison, a 20-year loan at the same rate would pay NT$61,600/month but cost only NT$2.8M in interest (23% of total). Shorter term saves NT$1.5M in interest. Source: CBC analysis.

Mortgage Tax Deduction Caps NT$300k

Mortgage interest on self-occupied primary residence is deductible up to NT$300,000/year. This caps deduction value at NT$60-120k tax savings depending on bracket. Combine with the Youth Loan subsidy and household-registration setup for max benefit. Source: Income Tax Act Article 17.