| Bank of Taiwan Consumer Loans Interest Rates (I) |
| The index is adjusted every three months. Interest rate index applicable since December 21, 2006: 2.297% |
| Loan Item | Feature | Maximum Amount (NT$00,000) | Maximum Loan Period (year) | Processing Cost | Interest Rate Applicable (interest rate index + processing cost + other individual add-on) | Total Fees (NT$) | Credit Insurance Fee | Annual Percentage of Total Fees |
| Housing purchase loans | Without self-use residence | 600 | 30 | 1.650% | 3.947% ~ 6.697% | 2000 | | 3.95%~6.70% |
| General housing | 2000 | 30 | 1.750% | 4.047% ~ 6.797% | 2000 | | 4.05%~6.80% |
| Housing savings loans | Without self-use residence | 600 | 30 | 1.650% | 3.947% ~ 6.697% | 2000 | | 3.95%~6.70% |
| General housing | 600 | 30 | 1.750% | 4.047% ~ 6.797% | 2000 | | 4.05%~6.80% |
| Building additions and repairs loans | - | 500 | 20 | 1.750% | 4.047% ~ 6.797% | 2000 | | 4.05%~6.80% |
| Consumer loans – collaterals provided | Short-term | 500 | 1 | 4.000% | 6.297% | 2000 | | 6.37% |
| Mid- to long-term | 500 | 7 | 4.025% | 6.322% | 2000 | | 6.33% |
| Consumer loans – collaterals non-provided | Individual (Credit Rating) | 60 | 5 | 5.225% | 7.522% | | | 7.52% |
| Individual（previously provided collaterals as sub-pledge） | 200 | 7 | 4.975% | 7.272% | | | 7.27% |
| Group application by employees of public agencies, schools and enterprises | 150 | 7 | 4.525% | 6.822% | | | 6.82% |
| Group application by employees of private companies | 80 | 5 | 4.775% | 7.072% | | | 7.07% |
| Consumer loans – simple consumer loans | Purchase credit insurance | 60 | 3 | 4.775% | 7.072% | | 3.40% | 9.43% |
| Family growth loans | revolving | Collaterals provided – mid-term | 500 | 5 | 2.500% | 4.797% ~ 7.547% | 2000 | | 4.81%~7.56% |
| Collaterals non-provided -- previously provided collaterals as sub-pledge | 200 | 3 | 4.975% | 7.272% | | | 7.27% |
| Collaterals non-provided -- employees of public agencies, schools and enterprises | 80 | 3 | 4.725% | 7.022% | | | 7.02% |
| Non-revolving | Collaterals provided | 1000 | 20 | 1.750% | 4.047% ~ 6.797% | 2000 | | 4.05%~6.80% |
| Car loans | - | 80 | 3 | 6.325% | 8.622% | | | 8.62% |
| Loans for studying abroad | Collaterals provided | 240 | 5 | 4.725% | 7.022% | 2000 | | 7.06% |
| Collaterals non-provided | 120 | 5 | 5.725% | 8.022% | | | 8.02% |
| Notes: 1. The annual interest rates listed in the table are calculated based on the standard set by the governing authority. Please contact the Bank for the actual interest rate of each loan product. And the actual annual interest rate for each customer will be different based on different loan product and credit ratings. 2. Annual percentage of total fees does not equal to loan interest rate. 3. Annual percentage of total fees is calculated based on the maximum loan amount and period. |
| Bank of Taiwan Consumer Loans Interest Rates (2) |
| The index is adjusted every six months. Interest rate index applicable since December 21, 2006: 2.297% |
| Loan Item | Feature | Maximum Amount (NT$00,000) | Maximum Loan Period (year) | Processing Cost | Interest Rate Applicable (interest rate index + processing cost + other individual add-on) | Total Fees (NT$) | Credit Insurance Fee | Annual Percentage of Total Fees |
| Housing purchase loans | Without self-use residence | 600 | 30 | 1.650% | 3.947% ~ 6.697% | 2000 | | 3.95% ~ 6.70% |
| General housing | 2000 | 30 | 1.750% | 4.047% ~ 6.797% | 2000 | | 4.05% ~ 6.80% |
| Housing savings loans | Without self-use residence | 600 | 30 | 1.650% | 3.947% ~ 6.697% | 2000 | | 3.95% ~ 6.70% |
| General housing | 600 | 30 | 1.750% | 4.047% ~ 6.797% | 2000 | | 4.05% ~ 6.80% |
| Building additions and repairs loans | - | 500 | 20 | 1.750% | 4.047% ~ 6.797% | 2000 | | 4.05% ~ 6.80% |
| Consumer loans – collaterals provided | Short-term | 500 | 1 | 4.000% | 6.297% | 2000 | | 6.37% |
| Mid- to long-term | 500 | 7 | 4.025% | 6.322% | 2000 | | 6.33% |
| Consumer loans – collaterals non-provided | Individual (Credit Rating) | 60 | 5 | 5.225% | 7.522% | | | 7.52% |
| Individual（previously provided collaterals as sub-pledge） | 200 | 7 | 4.975% | 7.272% | | | 7.27% |
| Group application by employees of public agencies, schools and enterprises | 150 | 7 | 4.525% | 6.822% | | | 6.82% |
| Group application by employees of private companies | 80 | 5 | 4.775% | 7.072% | | | 7.07% |
| Consumer loans – simple consumer loans | Purchase credit insurance | 60 | 3 | 4.775% | 7.072% | | 3.40% | 9.43% |
| Family growth loans | revolving | Collaterals provided – mid-term | 500 | 5 | 2.500% | 4.797%~ 7.547% | 2000 | | 4.81% ~ 7.56% |
| Collaterals non-provided -- previously provided collaterals as sub-pledge | 200 | 3 | 4.975% | 7.272% | | | 7.27% |
| Collaterals non-provided -- employees of public agencies, schools and enterprises | 80 | 3 | 4.725% | 7.022% | | | 7.02% |
| Non-revolving | Collaterals provided | 1000 | 20 | 1.750% | 4.047% ~ 6.797% | 2000 | | 4.05% ~ 6.80% |
| Car loans | - | 80 | 3 | 6.325% | 8.622% | | | 8.62% |
| Loans for studying abroad | Collaterals provided | 240 | 5 | 4.725% | 7.022% | 2000 | | 7.06% |
| Collaterals non-provided | 120 | 5 | 5.725% | 8.022% | | | 8.02% |
| Notes: 1. The annual interest rates listed in the table are calculated based on the standard set by the governing authority. Please contact the Bank for the actual interest rate of each loan product. And the actual annual interest rate for each customer will be different based on different loan product and credit ratings. 2. Annual percentage of total fees does not equal to loan interest rate. 3. Annual percentage of total fees is calculated based on the maximum loan amount and period. |