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.
- 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。
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.
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。
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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