Qing-An 3.0 Eligibility Check 2026
Check age, NT$2 million income limit, price caps and the one-loan rule against Youth Loan 3.0, with the eligible ceiling and original wording.
Condition-by-condition result
8 met, 0 not met, 0 for the bank to decide, 0 not filled in
- Loan cap under the clauses
- NT$10M
“General limit” cap is NT$10M, taking the lower of that and 80% of the price. Bank discretion is not included.
MeetsAge: under 50 at application
Original clause (Chinese)
借款人符合民法規定之成年年齡以上，申貸時未滿50歲，且借款人與其配偶及未成年子女均無自有住宅者。
MeetsAge plus loan term: total of 80 or less
Program summary (this site’s condensation of the Treasury’s press release, not verbatim clause text)
申貸時未滿 50 歲，且年齡加年限不逾 80
MeetsLoan term: 40 years or less
Program summary (this site’s condensation of the Treasury’s press release, not verbatim clause text)
40 年（含寬限期）
MeetsBorrower’s own annual income: NT$2M or less
Program summary (this site’s condensation of the Treasury’s press release, not verbatim clause text)
借款人本人年所得不逾 200 萬
MeetsHome price: NT$25M or less for this county
Program summary (this site’s condensation of the Treasury’s press release, not verbatim clause text)
臺北市 3,500 萬；新北市、新竹縣市 2,500 萬；其他縣市 2,000 萬
MeetsOne loan only: no earlier Qing-An or Nongan approval
Original clause (Chinese)
112年8月1日以後經銀行核貸本優惠貸款者或經農業金融機構核貸青年安居購屋優惠貸款（下稱農安貸款）者，不得申貸本優惠貸款。
MeetsNo owned home for you, your spouse or minor children
Original clause (Chinese)
以申辦時借款人本人、配偶及未成年子女『全國財產稅總歸戶財產查詢清單』均查無建物資料為原則；惟倘持有建物屬停車位、靈骨塔位，得經承辦銀行依實況查核審認後，視為無自有住宅。
MeetsProperty: title registered within 6 months before applying or within 6 months after approval
Program summary (this site’s condensation of the Treasury’s press release, not verbatim clause text)
建物登記日在申請日前 6 個月內，或銀行核准後 6 個月內，因買賣取得所有權的住宅
The bank still has discretion
並非每案均得以本項貸款最高額度上限、貸款最高成數8成或寬限期最長5年及最長40年期核貸。
Other clauses: owner-occupancy, renting out, violations and the application window
自住用途：核貸時借款人須簽訂自用住宅使用切結書，並經承辦銀行查證確係作為自用住宅使用。
借款人將大於其自住需求之「居住空間」出租，如房間分租、整層（戶）出租、頂樓加蓋出租、作為公益出租人出租等，均影響房屋居住空間之自住事實，不符本項貸款協助購屋自住之政策目的
倘貸後經承辦銀行查證借款人所購置住宅非供自住使用情形或有為符合貸款資格條件，提供虛偽不實之文件者，應自事實發生日起停止利息補貼，且借款人已溢領利息補貼者，應由承辦銀行追回
自115年8月1日起至118年7月31日均得申請辦理，惟撥款日至遲不得逾118年10月31日。
Results are estimates for reference and are not financial, tax or legal advice. Actual rates, loan limits, grace periods and approval depend on the lending bank. Policy terms are as of 2026-11-10; check the Ministry of Finance and each bank for later changes.
How do I read the result?
Each clause shows a status and the original text. “Pass” means your inputs meet the condition; “bank review” means the clause leaves the judgement to the lending bank, so the tool shows the wording only.
When every clause passes, the page shows the loan ceiling for your category and can send the ceiling and term to the mortgage calculator. Approval is decided by the lending bank.
How this result is produced
The tool splits the Treasury’s Qing-An 3.0 rules and Q&A into individual clauses. From your age, income, home price, county and current home ownership it returns one of four results for each clause: pass, fail, bank review or not enough information, with the original wording. Where a clause leaves the judgement to the lending bank, the tool draws no conclusion.
The comparison uses the Treasury’s loan rules and Q&A. Where an item says the bank decides, the clause leaves the judgement to the lending bank and this tool does not draw a conclusion for it. Whether an applicant qualifies is up to the bank’s review at filing.
Where does the data come from?
Frequently asked questions
What are the age and income limits for Qing-An 3.0?
The Qing-An loan (Taiwan’s state-subsidised Youth Home-Starter Loan, run by state-owned banks) requires the borrower to be an adult under 50 at application, with age plus loan term no more than 80, and the borrower’s own annual income no more than NT$2M. The age cap and the income limit are new in 3.0 and did not exist in 2.0. Based on Treasury publications, as of 2026-11-10.
Can I borrow again if I already have an earlier Qing-An loan?
Not if the earlier loan was approved on or after 2023-08-01. Anyone approved for a Qing-An loan by a bank, or for the agricultural-bank youth home loan, from that date cannot apply again. The one-loan rule was announced on 2024-06-27. Loans approved before 2023-08-01 are not covered by the rule in the text, and the lending bank still reviews each case.
Does owning a parking space or a share of a property count as owning a home?
In principle the borrower, spouse and minor children must show no building records on the national property register. A parking space or columbarium niche can be treated as no home ownership after the bank checks the facts, and holding shares in buildings that add up to under 40 square metres is also allowed.
Can I rent out the home?
At approval the borrower signs a statement that the home is for own use, and the bank checks it. Renting out living space beyond what the borrower needs, whether room sharing, renting the whole unit or renting a rooftop addition, conflicts with the policy aim of owner-occupation.
What are the price caps and loan limits?
Price caps: county.臺北市 NT$35M; county.新北市, county.新竹縣, county.新竹市 NT$25M; all other counties NT$20M. Loan limits: NT$10M in general, NT$12M if married within 2 years, NT$15M with minor children. The maximum term is 40 years including the grace period, the grace period is at most 5 years, and the loan-to-value ratio is at most 80%.
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