Housing · Tools

Mortgage and home-buying calculators

Four tools that run your own numbers on published policy terms and official statistics

The mortgage calculator opens on a Qing-An 3.0 example: NT$10M over 40 years with a 5-year grace period. Payments during the grace period are NT$14,792 to NT$16,875, the first payment after it is NT$33,901, and the highest is NT$34,539. Terms and rates are read from data published by the Treasury of the Ministry of Finance, as of 2026-11-10. Back to the housing topic

What a loan costs each month, and how the rate steps change it

Mortgage calculator

Enter a loan amount, term and rate to see the monthly payment, total interest and repayment curve. Switch to the Qing-An 3.0 step-rate path and overlay a standard mortgage on the same chart.

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Loan terms

Qing-An 3.0 loads its step rates automatically: 1.775% → 1.9% → 2.025% → 2.15% → 2.275%. Data as of 2026-11-10.

Comparison
Prepayment (optional)
Loan principal
NT$10M
Annual rate
1.775% to 2.275%
Monthly payment in grace period
NT$14,792 to NT$16,875
First payment after grace period
NT$33,901
Highest monthly payment
NT$34,539
Total interest
NT$5,423,642
Total repaid
NT$15,423,642
Payoff
480 months (40 yr)

From year 6, the monthly payment jumps from NT$16,875 to NT$33,901

From year 6, the monthly payment jumps from NT$16,875 to NT$33,901Step line chart: repayment year on the horizontal axis, monthly payment on the vertical axis. With comparison on, the dashed orange line is the standard mortgage.0M0.01M0.02M0.03M0.04MMonthly payment (NT$)010203040yrQing-An 3.0From year 6, the monthly payment jumps from NT$16,875 to NT$33,901Step line chart: repayment year on the horizontal axis, monthly payment on the vertical axis. With comparison on, the dashed orange line is the standard mortgage.0M0.01M0.02M0.03M0.04MMonthly payment (NT$)010203040yrQing-An 3.0

Payment steps

PeriodAnnual rateMonthly payment
Months 1 to 36 (grace period, interest only)1.775%NT$14,792
Months 37 to 48 (grace period, interest only)1.9%NT$15,833
Months 49 to 60 (grace period, interest only)2.025%NT$16,875
Months 61 to 722.15%NT$33,901
Months 73 to 4802.275%NT$34,539

Interest totals NT$5.42M, 35% of everything repaid

Interest totals NT$5.42M, 35% of everything repaidBar chart of each year’s repayment split into principal and interest, with a line for the year-end loan balance. Year-by-year figures are in the schedule table below.0M0.2M0.4M0.6M0M2.5M5M7.5M10MRepaid per year (NT$)Balance (NT$)110203040yrPrincipalInterestLoan balance (right axis)Interest totals NT$5.42M, 35% of everything repaidBar chart of each year’s repayment split into principal and interest, with a line for the year-end loan balance. Year-by-year figures are in the schedule table below.0M0.2M0.4M0.6M0M2.5M5M7.5M10MRepaid per year (NT$)Balance (NT$)110203040yrPrincipalInterestLoan balance (right axis)
Year-by-year schedule
YearPaid in yearof which interestof which principalYear-end balance
1NT$177,500NT$177,500NT$0NT$10,000,000
2NT$177,500NT$177,500NT$0NT$10,000,000
3NT$177,500NT$177,500NT$0NT$10,000,000
4NT$190,000NT$190,000NT$0NT$10,000,000
5NT$202,500NT$202,500NT$0NT$10,000,000
6NT$406,815NT$213,098NT$193,717NT$9,806,283
7NT$414,465NT$221,085NT$193,381NT$9,612,903
8NT$414,465NT$216,639NT$197,826NT$9,415,076
9NT$414,465NT$212,091NT$202,374NT$9,212,702
10NT$414,465NT$207,439NT$207,026NT$9,005,676
11NT$414,465NT$202,680NT$211,786NT$8,793,890
12NT$414,465NT$197,811NT$216,654NT$8,577,236
13NT$414,465NT$192,831NT$221,635NT$8,355,601
14NT$414,465NT$187,735NT$226,730NT$8,128,871
15NT$414,465NT$182,523NT$231,942NT$7,896,929
16NT$414,465NT$177,191NT$237,274NT$7,659,655
17NT$414,465NT$171,737NT$242,729NT$7,416,926
18NT$414,465NT$166,157NT$248,309NT$7,168,617
19NT$414,465NT$160,448NT$254,017NT$6,914,600
20NT$414,465NT$154,609NT$259,857NT$6,654,743
21NT$414,465NT$148,635NT$265,831NT$6,388,913
22NT$414,465NT$142,524NT$271,942NT$6,116,971
23NT$414,465NT$136,272NT$278,193NT$5,838,778
24NT$414,465NT$129,877NT$284,589NT$5,554,189
25NT$414,465NT$123,335NT$291,131NT$5,263,058
26NT$414,465NT$116,642NT$297,824NT$4,965,235
27NT$414,465NT$109,795NT$304,670NT$4,660,564
28NT$414,465NT$102,791NT$311,674NT$4,348,890
29NT$414,465NT$95,626NT$318,839NT$4,030,051
30NT$414,465NT$88,297NT$326,169NT$3,703,882
31NT$414,465NT$80,798NT$333,667NT$3,370,215
32NT$414,465NT$73,128NT$341,338NT$3,028,878
33NT$414,465NT$65,281NT$349,185NT$2,679,693
34NT$414,465NT$57,254NT$357,212NT$2,322,481
35NT$414,465NT$49,042NT$365,424NT$1,957,057
36NT$414,465NT$40,641NT$373,824NT$1,583,233
37NT$414,465NT$32,047NT$382,418NT$1,200,815
38NT$414,465NT$23,256NT$391,209NT$809,606
39NT$414,465NT$14,263NT$400,203NT$409,403
40NT$414,465NT$5,063NT$409,403NT$0

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.

Sources

Method and assumptions

The monthly rate is the annual rate divided by 12, with no daily accrual. Grace-period payments are interest only; when the grace period ends or the rate changes, the payment is recomputed from the balance and remaining months. Banks round each installment, so totals can differ by a few dozen dollars. Future floating rates are not forecast; step rates are whatever you enter. Qing-An 3.0 payments here are this site’s own calculation from the published rate steps, because neither the Ministry of Finance nor the state banks publish a payment table.

Equal-payment installment = principal × r × (1 + r)^n ÷ ((1 + r)^n − 1), where r is the monthly rate and n the number of months. Equal-principal repays balance ÷ remaining months each month, with interest falling as the balance falls.

Where the mortgage burden lands on the official scale

Housing affordability check

Enter household income and a home price to get the mortgage burden ratio and price-to-income ratio, set against the Ministry of the Interior’s four-level scale and official figures by county.

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Method

The official method fixes a 20-year term, a 70% loan-to-value ratio and a 2.318% rate, so the down payment, rate and term fields are disabled. This is how the Ministry of the Interior builds its index, and it will differ from your own loan.

Your figures
Mortgage burden ratio
41.47%
Price-to-income ratio
9.47×
Ministry of the Interior level
Low
Loan amount
NT$6.76M
Monthly mortgage payment
NT$35,236
Monthly income (annual ÷ 12)
NT$84,975

Loan size at a payment of 30% of monthly income, about NT$4.89M；Home price that implies, about NT$6.99M

Nationwide, official median (2026 Q1): burden ratio 41.46%, price-to-income ratio 9.47.

Your burden ratio is 41.5%, in the “Low” level; the official national figure is 41.46%

Your burden ratio is 41.5%, in the “Low” level; the official national figure is 41.46%Horizontal axis is the mortgage burden ratio; the shaded blocks are the ministry’s four levels. The three markers are your result, the chosen county and the national official figure.AffordableSlightly low30%Low40%Very low50%You 41.5%Nationwide 41.5%Your burden ratio is 41.5%, in the “Low” level; the official national figure is 41.46%Horizontal axis is the mortgage burden ratio; the shaded blocks are the ministry’s four levels. The three markers are your result, the chosen county and the national official figure.Affordable30%Low40%Very low50%You 41.5%Nationwide 41.5%
Chart data (table)
LevelMortgage burden ratio
Affordable< 30%
Slightly low30% – 40%
Low40% – 50%
Very low≥ 50%

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.

Sources

Method and assumptions

Burden ratio = monthly payment ÷ monthly income; price-to-income = price ÷ annual income; equal-payment amortization. Level thresholds come from the notes published with the Ministry of the Interior index. County figures are 2026 Q1 medians built on a 20-year term, 70% loan and the official rate; the official table has no row for Lienchiang County.

How many Qing-An 3.0 conditions you meet, one by one

Qing-An 3.0 eligibility check

Compares your answers with the Ministry of Finance’s Qing-An 3.0 conditions one by one. It lists the match result and the original clause text only; the lending bank decides approval.

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Applicant
The home
Existing homes and loan history

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.

  1. 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。

    財政部國庫署：公股銀行辦理青年安心成家購屋優惠貸款原則

  2. 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

    財政部國庫署：財政部青安貸款3.0，加碼支持婚育家庭，持續協助民眾購屋安居（2026-07-16）

  3. 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）

    財政部國庫署：財政部青安貸款3.0，加碼支持婚育家庭，持續協助民眾購屋安居（2026-07-16）

  4. 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

    財政部國庫署：財政部青安貸款3.0，加碼支持婚育家庭，持續協助民眾購屋安居（2026-07-16）

  5. 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

    財政部國庫署：財政部青安貸款3.0，加碼支持婚育家庭，持續協助民眾購屋安居（2026-07-16）

  6. 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。

    財政部國庫署：公股銀行辦理青年安心成家購屋優惠貸款原則

  7. 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。

    財政部國庫署：公股銀行辦理青年安心成家購屋優惠貸款問與答

  8. 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

    財政部國庫署：財政部青安貸款3.0，加碼支持婚育家庭，持續協助民眾購屋安居（2026-07-16）

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。

財政部國庫署：公股銀行辦理青年安心成家購屋優惠貸款問與答

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。

財政部國庫署：公股銀行辦理青年安心成家購屋優惠貸款原則

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

財政部國庫署：公股銀行辦理青年安心成家購屋優惠貸款問與答

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

財政部國庫署：公股銀行辦理青年安心成家購屋優惠貸款原則

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。

財政部國庫署：公股銀行辦理青年安心成家購屋優惠貸款問與答

Send this cap and these terms to the mortgage calculator

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.

Sources

Method and assumptions

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.

Whether buying or renting builds net worth first

Rent vs buy comparison

Compares net worth year by year on the buy path and the rent path. Whether prices rise or fall, and what the renter earns on the money saved, comes entirely from the assumptions you enter.

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Buying
Renting
Your assumptions

Home price change and investment return both default to 0%, so the tool assumes neither optimism nor pessimism for you. The buying, holding and selling costs and the rent are placeholders for illustration; replace them with your own numbers. Rent growth defaults to 0% because this site does not yet carry the latest rent component of the consumer price index from the Directorate-General of Budget, Accounting and Statistics; enter your own.

From year 23, net worth from buying passes net worth from renting

This result comes from placeholder assumptions. Replace them with your own numbers before reading anything into it.

Net worth if buying End of year 30
NT$14.4M
Net worth if renting End of year 30
NT$13.1M
Buy minus rent
+NT$1.32M
Crossover year
Year 23
From year 23, net worth from buying passes net worth from rentingLine chart with years on the horizontal axis and net worth on the vertical axis. The solid blue line is buying, the dashed orange line is renting, and a vertical line marks the year the two cross.0M5M10M15MNet worth (NT$)151015202530yrYear 23Net worth if buyingNet worth if rentingFrom year 23, net worth from buying passes net worth from rentingLine chart with years on the horizontal axis and net worth on the vertical axis. The solid blue line is buying, the dashed orange line is renting, and a vertical line marks the year the two cross.0M5M10M15MNet worth (NT$)151015202530yrYear 23Net worth if buyingNet worth if renting
Chart data (table)
YearBuyingRentingBuy minus rent
1NT$4.15MNT$5.08M−NT$0.93M
2NT$4.4MNT$5.35M−NT$0.96M
3NT$4.65MNT$5.63M−NT$0.98M
4NT$4.92MNT$5.9M−NT$0.99M
5NT$5.18MNT$6.18M−NT$1M
6NT$5.46MNT$6.46M−NT$1M
7NT$5.74MNT$6.73M−NT$0.99M
8NT$6.03MNT$7.01M−NT$0.98M
9NT$6.33MNT$7.28M−NT$0.96M
10NT$6.63MNT$7.56M−NT$0.93M
11NT$6.94MNT$7.84M−NT$0.9M
12NT$7.25MNT$8.11M−NT$0.86M
13NT$7.58MNT$8.39M−NT$0.81M
14NT$7.91MNT$8.66M−NT$0.76M
15NT$8.25MNT$8.94M−NT$0.69M
16NT$8.59MNT$9.22M−NT$0.62M
17NT$8.95MNT$9.49M−NT$0.54M
18NT$9.31MNT$9.77M−NT$0.46M
19NT$9.69MNT$10M−NT$0.36M
20NT$10.1MNT$10.3M−NT$0.25M
21NT$10.5MNT$10.6M−NT$0.14M
22NT$10.9MNT$10.9M−NT$0.02M
23NT$11.3MNT$11.1M+NT$0.11M
24NT$11.7MNT$11.4M+NT$0.26M
25NT$12.1MNT$11.7M+NT$0.41M
26NT$12.5MNT$12M+NT$0.57M
27NT$13MNT$12.3M+NT$0.74M
28NT$13.5MNT$12.5M+NT$0.92M
29NT$13.9MNT$12.8M+NT$1.12M
30NT$14.4MNT$13.1M+NT$1.32M

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.

Sources

Method and assumptions

Buyer net worth = home value less selling costs and loan balance. Renter net worth = the down payment plus one-off buying costs, plus the monthly difference saved, compounded at the return you enter. Whichever side spends more each month sets the shared budget, and the other side saves the difference. Mortgage interest deductions, tax differences and moving costs while renting are not included. The result depends entirely on your assumptions.

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