Qualified Applicants

Young people between 23-45 years old with domestic household registry.

Maximum Amount

The maximum amount per person per application is NT$4 million, of which the amount of the non-secured part should not exceed NT$1 million. If the company is owned by more than two people, to be eligible for application, the total number of owners should not exceed 10. The maximum total amount of loan is NT$12 million, of which the amount of the non-secured part should not exceed NT$3 million.

Interest Rate

Fluctuating rate based on the two-year time savings deposit rate of the Postal Savings plus 1.45%.

Period

With collateral: maximum 10 years, with 3-year grace period.

Without collateral: maximum 6 years, with 1-year grace period.

Collateral

The applicant should provide complete collateral for the secured loans. For non-secured loans, the responsible person should act as joint-guarantor, and the application should be guaranteed by Trust Guarantee Fund.