1. The applicant should be ROC citizen with proper work, stable income or other stable financial resources. The credit rating of the applicant conducted by the Bank should be above 60, and the applicant should not have unfavorable credit record such as a bounded check.

The applicant should be qualified by the company applied.

2. The applicant has provided land and building as collateral to apply for housing loans, building additions and repair loans or other consumer loans from the Bank, and the applicant has no unfavorable credit record such as a bounded check.

Purpose

For general consumer needs.

For general consumer needs.

Maximum Amount

1. Maximum NT$600,000.
Maximum NT$2 million.

Maximum NT$800,000, but the monthly repayment of principal and interest should not exceed one third of the employee’s salary.

Interest Rate

Calculated based on the Bank’s listed interest rate of consumer loans-collaterals non-provided.

Calculated based on the Bank’s listed interest rate of consumer loans- for group application by employees of private companies.

Loan Period

1. Maximum 5 years.
2. Maximum 7 years.

Maximum 5 years

Guarantor

The applicant should provide two joint-guarantors that are accepted by the Bank.

The applicant should be personally joint-guaranteed by two colleagues.