Taiwan Mortgage Calculator 2026
Enter loan amount, term and rate to get the monthly payment, total interest and repayment curve. Compare Youth Loan 3.0 step rates with a normal loan.
- 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
Payment steps
| Period | Annual rate | Monthly 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 72 | 2.15% | NT$33,901 |
| Months 73 to 480 | 2.275% | NT$34,539 |
Interest totals NT$5.42M, 35% of everything repaid
Year-by-year schedule
| Year | Paid in year | of which interest | of which principal | Year-end balance |
|---|---|---|---|---|
| 1 | NT$177,500 | NT$177,500 | NT$0 | NT$10,000,000 |
| 2 | NT$177,500 | NT$177,500 | NT$0 | NT$10,000,000 |
| 3 | NT$177,500 | NT$177,500 | NT$0 | NT$10,000,000 |
| 4 | NT$190,000 | NT$190,000 | NT$0 | NT$10,000,000 |
| 5 | NT$202,500 | NT$202,500 | NT$0 | NT$10,000,000 |
| 6 | NT$406,815 | NT$213,098 | NT$193,717 | NT$9,806,283 |
| 7 | NT$414,465 | NT$221,085 | NT$193,381 | NT$9,612,903 |
| 8 | NT$414,465 | NT$216,639 | NT$197,826 | NT$9,415,076 |
| 9 | NT$414,465 | NT$212,091 | NT$202,374 | NT$9,212,702 |
| 10 | NT$414,465 | NT$207,439 | NT$207,026 | NT$9,005,676 |
| 11 | NT$414,465 | NT$202,680 | NT$211,786 | NT$8,793,890 |
| 12 | NT$414,465 | NT$197,811 | NT$216,654 | NT$8,577,236 |
| 13 | NT$414,465 | NT$192,831 | NT$221,635 | NT$8,355,601 |
| 14 | NT$414,465 | NT$187,735 | NT$226,730 | NT$8,128,871 |
| 15 | NT$414,465 | NT$182,523 | NT$231,942 | NT$7,896,929 |
| 16 | NT$414,465 | NT$177,191 | NT$237,274 | NT$7,659,655 |
| 17 | NT$414,465 | NT$171,737 | NT$242,729 | NT$7,416,926 |
| 18 | NT$414,465 | NT$166,157 | NT$248,309 | NT$7,168,617 |
| 19 | NT$414,465 | NT$160,448 | NT$254,017 | NT$6,914,600 |
| 20 | NT$414,465 | NT$154,609 | NT$259,857 | NT$6,654,743 |
| 21 | NT$414,465 | NT$148,635 | NT$265,831 | NT$6,388,913 |
| 22 | NT$414,465 | NT$142,524 | NT$271,942 | NT$6,116,971 |
| 23 | NT$414,465 | NT$136,272 | NT$278,193 | NT$5,838,778 |
| 24 | NT$414,465 | NT$129,877 | NT$284,589 | NT$5,554,189 |
| 25 | NT$414,465 | NT$123,335 | NT$291,131 | NT$5,263,058 |
| 26 | NT$414,465 | NT$116,642 | NT$297,824 | NT$4,965,235 |
| 27 | NT$414,465 | NT$109,795 | NT$304,670 | NT$4,660,564 |
| 28 | NT$414,465 | NT$102,791 | NT$311,674 | NT$4,348,890 |
| 29 | NT$414,465 | NT$95,626 | NT$318,839 | NT$4,030,051 |
| 30 | NT$414,465 | NT$88,297 | NT$326,169 | NT$3,703,882 |
| 31 | NT$414,465 | NT$80,798 | NT$333,667 | NT$3,370,215 |
| 32 | NT$414,465 | NT$73,128 | NT$341,338 | NT$3,028,878 |
| 33 | NT$414,465 | NT$65,281 | NT$349,185 | NT$2,679,693 |
| 34 | NT$414,465 | NT$57,254 | NT$357,212 | NT$2,322,481 |
| 35 | NT$414,465 | NT$49,042 | NT$365,424 | NT$1,957,057 |
| 36 | NT$414,465 | NT$40,641 | NT$373,824 | NT$1,583,233 |
| 37 | NT$414,465 | NT$32,047 | NT$382,418 | NT$1,200,815 |
| 38 | NT$414,465 | NT$23,256 | NT$391,209 | NT$809,606 |
| 39 | NT$414,465 | NT$14,263 | NT$400,203 | NT$409,403 |
| 40 | NT$414,465 | NT$5,063 | NT$409,403 | NT$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.
How do I read the result?
The result has three parts: the monthly payment, total interest and the repayment curve. The payment changes as the rate steps up and when the grace period ends, so read each row of the payment-step table. Total interest is everything repaid minus the principal; a longer term or a longer grace period usually means more interest.
Switch the scenario to a normal loan to overlay it on the Qing-An 3.0 curve. The calculation covers principal and interest only; set-up and account fees are not included.
How this result is produced
Equal-payment installment = principal × r × (1 + r)^n ÷ ((1 + r)^n − 1), where r is the annual rate divided by 12 and n is the number of months. Equal-principal repays balance ÷ remaining months each month, with interest falling as the balance falls. During a grace period (months when you pay interest only) the balance does not move; when the grace period ends or the rate changes, the payment is recomputed from the balance and remaining months.
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.
Where does the data come from?
Frequently asked questions
How much do I pay during the grace period?
During the grace period you pay interest only and the principal stays untouched. For NT$10M over 40 years with a 5-year grace period at Qing-An 3.0 step rates, the monthly payment during the grace period runs from NT$14,792 to NT$16,875 as the rate steps up. The first payment after the grace period is NT$33,901, and the highest payment over the whole loan is NT$34,539. A grace period only postpones repaying principal, so it does not lower total interest.
What is the difference between equal-payment and equal-principal repayment?
Example: NT$10M over 30 years at 2.318% a year (the rate the Ministry of the Interior used for its 2026 Q1 affordability statistics), no grace period. Equal-payment repayment costs a fixed NT$38,572 each month and NT$3,886,049 in total interest. Equal-principal starts at NT$47,094 in month 1 and falls to NT$27,831 in the last month, with NT$3,486,658 in total interest. Equal-principal costs more at first and less in total; equal-payment keeps the monthly amount constant.
Should a prepayment shorten the term or lower the monthly payment?
Example: NT$10M over 30 years at 2.318%, prepaying NT$2M at the end of year 5. Shorten the term: the payment stays NT$38,572, the loan is paid off after 22 yr 11 mo, total interest NT$2,599,886. Lower the payment: the term is unchanged, the payment drops to NT$29,782, total interest NT$3,249,012. Without prepayment, total interest is NT$3,886,049. For the same amount, shortening the term saves more interest, while lowering the payment eases monthly cash flow.
How will the Qing-An 3.0 rate change over time?
The Qing-An loan (Taiwan’s state-subsidised Youth Home-Starter Loan) is currently a single floating rate: the benchmark, Chunghwa Post two-year time-deposit floating rate (deposits under NT$5 million), is 1.72% plus a spread of 0.555%, for an unsubsidised rate of 2.275%. The government subsidy starts at 0.5 percentage points, so the borrower pays 1.775% for the first 3 years. The subsidy then shrinks each year and the rate runs 1.775% → 1.9% → 2.025% → 2.15% → 2.275%, returning to 2.275% from year 7. The floating rate moves with the benchmark; this site does not forecast it.
Why does the result differ slightly from my bank’s figure?
This site divides the annual rate by 12 and does not round internally, while banks round each installment, and the drawdown date, floating-rate changes and fees also move the figure. As an example, Taiwan Cooperative Bank states total fees of NT$5,300 and up on a NT$2M Qing-An loan over 20 years; this calculator does not include such fees. The bank’s approval notice sets the actual payment.
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