Central bank relief
Central bank relief measures: the new Qing-An (non-luxury homes) is exempt from the first-home and second-home limits of the seventh round of controls
Topic · Housing · Qing-An loan
The Qing-An Youth Home Loan 2026: Version 3.0 Is Current
The "new Qing-An" is Qing-An 2.0, which expired on 31 Jul 2026. The current scheme is Qing-An 3.0, open since 1 Aug 2026: 1.775% for the first 3 years on a single floating rate, 2.275% from year 7. As of 10 Nov 2026, all Qing-An loans together have disbursed 530,812 households. Qing-An (青安) is a subsidised first-home loan run through state-owned banks.
1.775 %
Qing-An 3.0 rate, first 3 years
Then +0.125 points a year, reaching 2.275% in year 7.
530,812 households
All Qing-An loans disbursed
NT$2.9 trillion, as of 30 Sep 2026.
1,862 households
Qing-An 3.0 disbursed
NT$15.8 billion, from 1 Aug 2026 to 30 Sep 2026.
Ministry of Finance, National Treasury Administration , as of 10 Nov 2026 ; Ministry of Finance, National Treasury Administration , as of 30 Sep 2026
Get the names straight first, then terms, rates and payments after the subsidy ends
"New Qing-An", "Qing-An 2.0" and "Qing-An 3.0" refer to different periods.
The "new Qing-An" is Qing-An 2.0, expired 31 Jul 2026; the current scheme is 3.0
What the media called the new Qing-An has the official name Qing-An 2.0. In the first half of 2026 some outlets called the later 3.0 "new Qing-An 2.0" as well, so when searching, the date is more reliable than the name.
- Original Qing-An Also called : "Old Qing-An" 1 Dec 2010 to 31 Jul 2023 Closed
- Qing-An 2.0 (loan refinement scheme) Also called : "New Qing-An" 1 Aug 2023 to 31 Jul 2026 Expired
- Qing-An 3.0 Also called : Some outlets called it "new Qing-An 2.0" in the first half of 2026 1 Aug 2026 to 31 Jul 2029 Applications until 31 Jul 2029; disbursement no later than 31 Oct 2029. Current
Source: Ministry of Finance, National Treasury Administration , as of 10 Nov 2026
The three versions differ mainly in age, income, price caps and how interest is charged.
Three versions side by side: limits, terms, age and price caps
The table compares the original, Qing-An 2.0 and the current 3.0 row by row. On a phone each row opens into three lines, so there is no sideways scrolling.
| Item | Original | Qing-An 2.0 | Qing-An 3.0 |
|---|---|---|---|
| Maximum loan | NT$8 million (from 1 January 2016; NT$5 million at launch) | NT$10 million | NT$10 million; NT$12 million if registered as married within two years; NT$15 million with minor children |
| Loan term | 30 years | 40 years | 40 years (including the grace period) |
| Grace period | 3 years | 5 years | Up to 5 years |
| Loan-to-value | Up to 80% | Up to 80% | Up to 80% |
| Age | Adults | Adults | Under 50 at application, and age plus term no more than 80 |
| Income cap | No data | No data | Borrower’s own annual income no more than NT$2 million |
| Home price cap | No data | No data | Taipei NT$35 million; New Taipei and Hsinchu City and County NT$25 million; elsewhere NT$20 million |
| One loan per person, owner-occupier pledge | None | One loan only from 2024-06-27; new borrowers sign an owner-occupier pledge | One loan only and the owner-occupier pledge continue |
| Interest type | Mixed fixed, or single floating | Single, two-stage or mixed | Single floating rate only |
| Property | Existing homes | Existing homes | A home bought and registered within six months before the application or within six months after the bank approves it |
Source: Ministry of Finance, National Treasury Administration , as of 10 Nov 2026
The rate has two layers: the base loan rate, and the rate after the government subsidy.
Qing-An 3.0 rates: 1.775% for the first 3 years, 2.275% from year 7
The calculation in one line Rate after subsidy = Chunghwa Post two-year floating deposit rate 1.72% + spread 0.555 points − subsidy. The base loan rate before subsidy is 2.275%.
The benchmark is the Chunghwa Post two-year time-deposit floating rate (balances under NT$5 million), 1.72% since 27 Mar 2024. The single floating rate adds 0.555 points, giving a base loan rate of 2.275%.
The subsidy is 0.5 points for the first 3 years, hence 1.775%. From year 4 it shrinks by 0.125 points a year (the data file calls this half a "ma") and reaches zero in year 7.
Rate after subsidy: 1.775% for 3 years, then rising each year to 2.275% from year 7
The top of each bar is the rate after subsidy; the gap up to the dashed line is the government subsidy.
Data table
| Loan year | Rate after subsidy | Subsidy (points) |
|---|---|---|
| 1–3 | 1.775% | 0.5 |
| 4 | 1.9% | 0.375 |
| 5 | 2.025% | 0.25 |
| 6 | 2.15% | 0.125 |
| 7+ | 2.275% | 0 |
Existing Qing-An 2.0 borrowers get the same step-down: those whose subsidy had run 3 years began the half-ma annual cut on 1 Aug 2026.
Note from the data file: Single floating rate (for new loans from 2021-01-01). The 0.5-point subsidy is 0.375 point from the Ministry of the Interior housing fund plus 0.125 point forgone by state-owned banks. After year 3 it falls by 0.125 point a year, and from year 7 the original loan rate applies. Existing Qing-An 2.0 borrowers get the same step-down. The rate for each stage is calculated by Taiwan.md from the official benchmark, spread and subsidy.
Source: Ministry of Finance, National Treasury Administration , as of 10 Nov 2026
The wording that counts is the Ministry of Finance text.
Who can apply: 9 eligibility rules, quoted word for word
Each rule below is quoted from a document of the Ministry of Finance, National Treasury Administration, with a link. The lending bank keeps discretion, as the last quoted rule says.
-
Age and no owned home
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。
Original wording (Chinese) 公股銀行辦理青年安心成家購屋優惠貸款原則
-
One loan only
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。
Original wording (Chinese) 公股銀行辦理青年安心成家購屋優惠貸款原則
-
Owner-occupier pledge
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。
Original wording (Chinese) 公股銀行辦理青年安心成家購屋優惠貸款原則
-
How "no owned home" is judged
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。
Original wording (Chinese) 公股銀行辦理青年安心成家購屋優惠貸款問與答
-
Exception for small shares
所持有建物之持分換算面積合計未滿40平方公尺，可申辦本項貸款
Original wording (Chinese) 公股銀行辦理青年安心成家購屋優惠貸款問與答
-
Renting out and owner-occupation
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
Original wording (Chinese) 公股銀行辦理青年安心成家購屋優惠貸款問與答
-
Bank 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。
Original wording (Chinese) 公股銀行辦理青年安心成家購屋優惠貸款問與答
-
Handling of violations
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
Original wording (Chinese) 公股銀行辦理青年安心成家購屋優惠貸款原則
-
Application window
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。
Original wording (Chinese) 公股銀行辦理青年安心成家購屋優惠貸款問與答
Source: Ministry of Finance, National Treasury Administration , as of 10 Nov 2026
Check it clause by clause
The checker below only compares your answers with the clauses above. It never says you can borrow; the lending bank decides.
Qing-An 3.0 Eligibility Check 2026: Age, Income, Price Cap
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.
逐條比對
符合 8 項、不符合 0 項、需銀行認定 0 項、尚未填寫 0 項
- 依條文計算的額度上限
- NT$10M
「一般額度」上限 NT$10M，與房價的 8 成取小，尚未計入銀行的審核裁量。
符合年齡：申貸時未滿 50 歲
符合年齡加貸款年限：合計不超過 80
符合貸款年限：不超過 40 年
符合借款人本人年所得：不超過 NT$2M
符合房屋總價：不超過所在縣市的上限 NT$25M
方案條件摘要（本站依國庫署新聞稿整理，並非條文逐字）
臺北市 3,500 萬；新北市、新竹縣市 2,500 萬；其他縣市 2,000 萬
符合限貸一次：沒有核貸過青安或農安貸款
符合本人、配偶及未成年子女均無自有住宅
條文原文
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。
符合標的：建物登記日在申請日前 6 個月內，或銀行核准後 6 個月內
方案條件摘要（本站依國庫署新聞稿整理，並非條文逐字）
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
銀行仍有審核裁量
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。
其他條文：自住、出租、違規處理與申請期間
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。
試算結果僅供參考，不構成財務、稅務或法律建議。實際利率、額度、寬限期與核貸條件以承貸銀行的審核結果為準，政策條件截至 2026-11-10，之後若有調整請以財政部與各銀行公告為準。
資料來源
算法與假設
比對的是國庫署公布的貸款原則與問答集。標「需銀行認定」的項目，條文把判斷交給承貸銀行查核，工具不替銀行下結論。申請人是否符合，以送件時銀行的審核為準。
Between the three versions came a string of smaller changes.
Changes over time: from the 1 Dec 2010 launch to the 1 Aug 2026 start of 3.0
13 entries in date order, each with a source.
-
The Ministry of Finance launched the Youth Home-Starter Loan, run by 8 state-owned banks from their own funds
Source : Ministry of Finance, National Treasury Administration Official / the group itself
-
The loan limit rose from NT$5 million to NT$8 million
-
The Executive Yuan cabinet approved the refined scheme: NT$10 million limit, 40-year term, 5-year grace period, interest subsidy to 2026-07-31
Source : Ministry of Finance, National Treasury Administration Official / the group itself
-
The "new Qing-An" (Qing-An 2.0) took effect
Source : Ministry of Finance, National Treasury Administration Official / the group itself
-
The central bank raised rates by an eighth of a point on 21 March; the Ministry of Finance said the government would cover the increase with an equal extra subsidy
-
A one-loan-only rule was added, and new borrowers must sign an owner-occupier pledge
Source : Ministry of Finance, National Treasury Administration Official / the group itself
-
First inspection round: 1,502 cases not owner-occupied (1,332 rented out, 170 nominee borrowers)
-
Second inspection round: 73 cases not owner-occupied (34 rented out, 39 nominee borrowers)
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Central bank relief measures: the new Qing-An (non-luxury homes) is exempt from the first-home and second-home limits of the seventh round of controls
Source : Central Bank of the Republic of China (Taiwan) Official / the group itself
-
FSC ruling: new Qing-An loans disbursed after 2025-09-01 do not count toward the limit under Article 72-2 of the Banking Act
Source : Financial Supervisory Commission Official / the group itself
-
Ministry of Finance: as of end-July 2025, 5,421 cases of subsidy recovered, over NT$103.48 million; 12,923 approved cases awaiting disbursement, over NT$125.7 billion
-
The Executive Yuan cabinet (4012th meeting) approved Qing-An 3.0
Source : Ministry of Finance, National Treasury Administration Official / the group itself
-
Qing-An 3.0 took effect; Qing-An 2.0 borrowers whose subsidy had run 3 years began the half-ma annual step-down
Source : Ministry of Finance, National Treasury Administration Official / the group itself
State-owned banks run the Qing-An loan, and at that volume two limits come into play.
Lending limits and credit controls: whether 3.0 stays outside Article 72-2 has no official document yet
Two limits bear on Qing-An: the cap under Article 72-2 of the Banking Act, and the central bank’s selective credit controls. Below are three adjustments recorded in official documents, followed by an extract of the central bank’s own wording.
FSC ruling
FSC ruling: new Qing-An loans disbursed after 2025-09-01 do not count toward the limit under Article 72-2 of the Banking Act
Awaiting disbursement
12,923 cases NT$125.7 billion
Ministry of Finance: as of end-July 2025, 5,421 cases of subsidy recovered, over NT$103.48 million; 12,923 approved cases awaiting disbursement, over NT$125.7 billion
Extract of the central bank’s wording
Two rows of the central bank timeline that bear on Qing-An, kept in the Chinese wording of the data file. This column keeps the Chinese wording of the data file.
- 第 7 度
①名下有房屋者之第 1 戶購屋貸款不得有寬限期；②第 2 戶 6→5 成，範圍由特定地區擴大全國；③公司法人、高價住宅、第 3 戶以上由 4→3 成；④餘屋貸款 4→3 成；購地 5 成、工業區 4 成未變。同次調升存款準備率（見 §三）。另此前 2024-08-12 至 21 央行邀 34 家本國銀行座談，以道德勸說請其「研提未來一年自主管理之不動產貸款具體量化改善方案」
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央行「選擇性信用管制規範之協處措施」：自 2024-09-20 起申貸案件適用：繼承取得之房屋與房貸不計入戶數；有實質換屋需求者切結 1 年內出售原屋，新申辦第 1 戶/第 2 戶購屋貸款得排除規定；已簽約者若申辦財政部青安貸款（非高價住宅）不受第 1 戶/第 2 戶限制
Source: Central Bank of the Republic of China (Taiwan) , as of 20 Sep 2024, 9 Oct 2024
No answer yet: Whether the FSC keeps Qing-An 3.0 outside the Article 72-2 limit: no 2026 official document was found
Scale: how much has been lent.
All Qing-An loans have disbursed 530,812 households and NT$2.9 trillion, as of 30 Sep 2026
Cumulative figures from the official monthly report, plus our own estimate for the Qing-An 2.0 period obtained by subtracting monthly reports.
530,812 households
All Qing-An loans disbursed
NT$2.9 trillion
Since launch in December 2010, to 30 Sep 2026.
1,862 households
Qing-An 3.0 disbursed
NT$15.8 billion
From 1 Aug 2026 to 30 Sep 2026.
8,237 households
Qing-An 3.0 applications accepted
NT$70.4 billion
Accepted cases, not all disbursed yet.
171,705 households
Disbursed in the 2.0 period Calculated by Taiwan.md
NT$1.34 trillion
Calculated by Taiwan.md: cumulative disbursement at the end of 2026-06 minus the cumulative figure at the end of 2023-07. The official release says "over 170,000 households approved under Qing-An 2.0".
Source: Ministry of Finance, National Treasury Administration , as of 30 Sep 2026 ; Ministry of Finance, National Treasury Administration , as of 30 Sep 2026 Calculated by Taiwan.md
Non-performing ratio
0.04%
Qing-An loans
0.08%
All mortgages at domestic banks
As of 31 Jul 2025. The ratio is overdue loans as a share of all loans.
Source: Ministry of Finance, National Treasury Administration , as of 31 Jul 2025
One scheme, and different people see different things in it.
The debate: what government, housing groups and scholars say
Each card is something the speaker said in public, with date and source. Agency statements quoted by the media are marked as paraphrase. Political parties and candidates are not included here.
Government agencies
為避免變成懲罰結婚者，因此決定排富門檻是以借款人本人的年所得200萬元，作為貸款資格條件。
To avoid it becoming a penalty for getting married, we decided the means-test threshold is the borrower's own annual income of NT$2 million. Our translation; the original is Chinese
最主要是希望政策更精準協助民眾，因此希望房屋總價有限額。
The main hope is that the policy helps people more precisely, so we want a cap on the total home price. Our translation; the original is Chinese
寬限期最長5年，但是真正適用寬限期到5年的只有23%。
The grace period can be up to five years, but only 23% of borrowers actually get the full five. Our translation; the original is Chinese
至於有什麼漏洞，這是財政部的職責，我們不會越俎代庖，超越職責。
As for any loopholes, that is the Ministry of Finance’s responsibility; we will not overstep and go beyond our duties. Our translation; the original is Chinese
公股銀確實有背負政策性放款，但法規規定3成，若分子不能調整，也可透過分行吸收存款來加大分母
State-owned banks do carry policy-based lending, but the rule sets it at 30%; if the numerator cannot be adjusted, they can also enlarge the denominator by taking in deposits through their branches. Our translation; the original is Chinese
Housing advocacy groups
借越多、還越久，房價又越高
Borrow more, repay longer, and prices go even higher. Our translation; the original is Chinese
Scholars
不論是蓋社會住宅或新青安貸款都並非真的在解決高房價，反而在幫助鞏固房價
Whether it is building social housing or the new Youth Loan, neither really solves high home prices; if anything they help entrench them. Our translation; the original is Chinese
新青安透過低利率、寬限期及40年房貸，製造青年買得起房的假象，但實際上可能讓青年買在高點、背上一輩子債務
Through low rates, grace periods and 40-year mortgages, the new Youth Loan creates the illusion that young people can afford a home, but in reality it may leave them buying at the peak and carrying debt for a lifetime. Our translation; the original is Chinese
Limits of what we collected
This page has several limits. Official texts were mostly out of reach, so much comes from media reports, and paraphrase is kept apart from verbatim quotation. Public material critical of current policy outweighs material defending it, and no scholar defending the new Youth Loan was found. For parties we include only 2024 presidential-campaign positions and official party releases, and nothing from any 2026 local-election candidate; the KMT and TPP therefore have only one or two paraphrased items, and for the New Power Party, the Green Party and the Taiwan Statebuilding Party nothing was collected within that scope. Banks are represented by one bank's indirectly quoted investor briefing, and the Social Housing Advocacy Alliance only by its 2014 demands. Gaps are shown as 'no data' under each issue rather than filled with someone else's words.
A fuller account of each side’s position is still being prepared.
What happens to the monthly payment once the grace period ends and the subsidy fades.
After the grace period the payment jumps from NT$14,792 to NT$33,901, and to NT$34,539 once the subsidy is gone
Use the calculator below for your own terms. It starts on Qing-An 3.0 with NT$10 million, 40 years and a 5-year grace period, and the payment path is shown here. Neither the government nor the state-owned banks publish a payment table, so these numbers are our own calculation.
Monthly payment path in the default case
- During the grace period (years 1 to 5)
- NT$14,792
- Year 6, when the grace period ends
- NT$33,901
- From year 7, subsidy gone
- NT$34,539
Calculated by Taiwan.md: NT$10 million, 40 years, 5-year grace period, rate following the subsidy steps, first payment of each year. No official payment table exists. Calculated by Taiwan.md
Taiwan Mortgage Calculator 2026: Qing-An 3.0 Step Rates
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.
- 貸款本金
- NT$10M
- 年利率
- 1.775% 到 2.275%
- 寬限期內月付
- NT$14,792 到 NT$16,875
- 寬限期後第一期月付
- NT$33,901
- 最高月付
- NT$34,539
- 總利息
- NT$5,423,642
- 總還款
- NT$15,423,642
- 還清期數
- 480 months (40 yr)
第 6 年起，月付從 NT$16,875 跳到 NT$33,901
月付階梯
| 期間 | 年利率 | 每月應繳 |
|---|---|---|
| 第 1 到 36 期 (寬限期，只繳息) | 1.775% | NT$14,792 |
| 第 37 到 48 期 (寬限期，只繳息) | 1.9% | NT$15,833 |
| 第 49 到 60 期 (寬限期，只繳息) | 2.025% | NT$16,875 |
| 第 61 到 72 期 | 2.15% | NT$33,901 |
| 第 73 到 480 期 | 2.275% | NT$34,539 |
利息共 NT$5.42M，佔總還款的 35%
逐年攤還表
| 年次 | 當年還款 | 其中利息 | 其中本金 | 年底餘額 |
|---|---|---|---|---|
| 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 |
試算結果僅供參考，不構成財務、稅務或法律建議。實際利率、額度、寬限期與核貸條件以承貸銀行的審核結果為準，政策條件截至 2026-11-10，之後若有調整請以財政部與各銀行公告為準。
資料來源
算法與假設
月利率取年利率除以 12，不做日計息。寬限期內只繳利息，寬限期結束或利率變動的那一期，依當時餘額與剩餘期數重算月付。銀行實際逐期取整，總額會有數十元內的差距。機動利率未來走勢不預測，分段利率由你自己填。青安 3.0 的月付金是本站依公布的利率階梯試算，官方與公股銀行沒有公布試算表。
本息平均攤還的月付 = 本金 × 月利率 × (1 + 月利率)^期數 ÷ ((1 + 月利率)^期數 − 1)，本金平均攤還每月還本 = 餘額 ÷ 剩餘期數，利息隨餘額遞減。
Source: Ministry of Finance, National Treasury Administration , as of 10 Nov 2026
Three things a borrower can do
- Run it once with the grace period and once without
For the same NT$10 million over 40 years with no grace period, the first-year payment is about NT$29,112 and from year 7 about NT$31,484. The grace period lowers early payments and pushes principal later, which also raises total interest, so compare both versions.
- Prepayment comes in two modes
The calculator offers two prepayment modes: keep the payment and shorten the term, or keep the term and lower the payment. Enter each once and compare total interest and payment.
- Ask the lending bank about adjusting repayment
Whether the repayment arrangement can be adjusted, and on what terms, is up to the lending bank. We found no official, uniform rule on extensions, so confirm with the bank directly.
This page does not judge whether to buy a home or whether to take a Qing-An loan.
Last, what we could not find.
Open questions and sources
Questions with no answer yet
- Whether the FSC keeps Qing-An 3.0 outside the Article 72-2 limit: no 2026 official document was found
- The Ministry of Finance’s cumulative figure for recovered subsidies on the same basis in 2026: no data
- The new Qing-An’s share of all new home-purchase loans: no official figure
- An official or state-owned-bank payment table: none published
Sources
| Agency | Document | Type |
|---|---|---|
| Ministry of Finance, National Treasury Administration | 公股銀行辦理青年安心成家購屋優惠貸款原則 | Official document |
| Ministry of Finance, National Treasury Administration | 公股銀行辦理青年安心成家購屋優惠貸款問與答 | Official document |
| Ministry of Finance, National Treasury Administration | 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） | Official document |
| Executive Yuan | 青安3.0方案 | Official document |
| Ministry of Finance, National Treasury Administration | 財政部青安貸款精進方案，擴大協助民眾購屋成家（2023-07-13） | Official document |
| Ministry of Finance, National Treasury Administration | 新青安貸款新增不得再次申貸規定（2024-06-27） | Official document |
| Financial Supervisory Commission | 銀行辦理新青安貸款案件114年9月1日後撥款者不計入銀行法第72條之2限額（2025-09-04） | Official document |
| Central Bank of the Republic of China (Taiwan) | 本行選擇性信用管制規範之協處措施（2024-10-09） | Official document |
| Ministry of Finance, National Treasury Administration | 公股銀行辦理青年安心成家貸款統計資料（截至 115 年 9 月底） | Official document |
| Taiwan Cooperative Bank | 財政部青年安心成家貸款 | Official document |
| Ministry of Finance, National Treasury Administration | 財政部將就114年9月1日起新青安貸款不計入銀行法第72條之2限額，督導公股銀行落實徵授信審核（2025-09-04） | Official document |
Data checked 10 Nov 2026
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