1. Loans Applicable: housing purchase loans, loans for building additions and repairs, family growth loans – non-revolving.
2. Interest Rate:
(1) For new borrowers:
a. Housing loans: the interest rate is calculated by adding a fluctuating amount to the Bank’s time savings interest rate index.
b. Loans for building additions and repairs, family growth loans – non-revolving:
The interest rate is calculated by adding a fluctuating amount to the Bank’s time savings interest rate index.
(2) For old borrowers with normal repayment of loans (including housing loans, loans for building additions and repairs, family growth loans – non-revolving):
The interest rate is calculated by adding a fluctuating amount to the Bank’s time savings interest rate index.
(3) The time savings interest rate index will be adjusted on the 21st of March, June, September, and December each year.
(4) Please contact the branches of Bank of Taiwan for specific interest rates.
3. For applicants of housing purchase loans, if the collaterals provided have good locations and conditions, and the transaction prices have been verified to be similar to the market prices, the applicants can borrow as high as 80% of the transaction prices from the Bank. For applicants transferred from other banks, the borrowing amount will be the lower of 80% of the market price and the balance amount of the loan transfer.
4. For other issues, please refer to the relative regulations of consumer loans stipulated by the Bank.
5. Application Period: by the end of June 30,2007
6. The Service fee is NT$2,000. (The service fee can be waived or reduced for applicants applying for the credit cards of the Bank.); the loans can be repaid ahead of the schedule without being fined.