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.

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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.

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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