Mortgage Calculator — Taiwan
Estimate your monthly mortgage payment in TWD using Taiwan's typical rates, and see the full interest cost. No signup, no tracking.
Local rates & providers
Mortgage rates ≈ 2.0–2.5% p.a. CBC discount rate 2.00% (Mar 2026, held since Mar 2024). Major banks: Bank of Taiwan, Mega International, CTBC, E.Sun, Cathay United, Taishin, Fubon, First Bank.
Reference figures, ~2026. The Central Bank of the Republic of China (CBC) sets the policy rate; your offered rate depends on your profile, deposit and the lender. Verify current rates before deciding.
Worked example
For every NT$1,000,000 borrowed at 2.20% over 20 years:
- Monthly payment: NT$5,154
- Total repaid: NT$1,236,983
- Total interest: NT$236,983
Scale this to your loan amount — e.g. NT$3,000,000 costs about 3× these figures. A larger deposit and shorter term cut the interest sharply.
Frequently Asked Questions
How is the mortgage payment calculated in Taiwan?
Lenders use the reducing-balance formula P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan, r the monthly rate and n the number of months. The fin·calc tool applies the same formula with Taiwan's typical rate.
What is the current home loan rate in Taiwan?
As a 2026 reference, typical rates are around 2.2% per year, linked to the Central Bank of the Republic of China (CBC) policy rate. Mortgage rates ≈ 2.0–2.5% p.a. CBC discount rate 2.00% (Mar 2026, held since Mar 2024). Major banks: Bank of Taiwan, Mega International, CTBC, E.Sun, Cathay United, Taishin, Fubon, First Bank.
How much deposit do I need?
A larger down payment lowers both your rate and total interest, and reduces the lender's risk. Most lenders also add valuation, legal and registration costs on top of the deposit.
Can I reduce the total interest?
Yes — a bigger deposit, a shorter term, and extra or early repayments all cut total interest significantly. Use the prepayment option in the calculator to see your exact saving.