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Mortgage eligibility estimator for foreigners in Taiwan

This tool helps foreign residents estimate their likelihood of obtaining a mortgage from a Taiwanese bank, based on common lending practices.

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Mortgage Readiness:

Typical loan-to-value ratio for your profile:

Estimated maximum loan amount:

This estimation reflects common lending practices for foreign buyers in Taiwan. Final approval, conditions, and rates depend on individual banks.

How Taiwanese banks assess foreign buyers

Banks in Taiwan typically apply stricter criteria to foreign nationals, especially regarding income stability, residency duration, and loan-to-value ratios. APRC holders and applicants with local guarantors or Taiwanese spouses generally receive more favorable consideration.

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Mortgage eligibility for foreigners in Taiwan – FAQ

Yes, foreign residents can obtain a mortgage from Taiwanese banks, but approval criteria are generally stricter than for local citizens. Loan-to-value ratios are usually lower, and banks assess residency status, income stability, and property type carefully.

APRC holders are generally viewed more favorably by banks, as permanent residency reduces long-term risk. Gold Card holders may also benefit, but approval conditions still depend on income source, down payment, and residency duration.

Some banks accept foreign income, but it is often subject to additional verification and may reduce the maximum loan amount. Income earned in Taiwan is generally easier for banks to assess.

Yes. Pre-sale properties are considered higher risk, especially for foreign buyers. Some banks may require a Taiwanese guarantor or spouse, or may decline financing altogether depending on the project and buyer profile.

Foreign buyers are typically expected to provide a higher down payment than locals. A minimum of 30% is common, while 40–50% can significantly improve eligibility and loan conditions.
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