Qualified Applicants

The applicant have obtained the approval from the local government to purchase the housing for own use with low interest rate loans.

Maximum Amount

Determined by the bank offering the loans. The amount that enjoys preferential interest rate is the same as the amount provided by the Public Housing Fund under the government’s public housing loans arrangement (NT$2.2 million at present).

Interest Rate

For the part with preferential interest rate, the maximum annual interest rate for the first 7 years is 3%, fluctuated based on the two-year time savings deposits rate of the Postal Savings; for the remaining years, the interest rate is calculated based on two-year time savings deposits rate of the Postal Savings plus 1%.

• Period: maximum 20 years, with 5-year grace period.
• Collateral: land and buildings
• Others: this loan should not be used together with the preferential housing loans of the Central Bank or other policy loans.